SANTANDER BANK, NATIONAL ASSOCIATION

2018-08-21

Harrisburg, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Santander Bank Violated the Fair Credit Reporting Act by not verifying and validating her mortgage debt as requested on XX/XX/2015. The Defendants wrongful course of conduct is as stated to be unfair billing, not providing license to collect a debt, and not providing a validate OMB Control Number under the Paper reduction Act XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-21

Bremen, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-08-20

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-20

Brooklyn, NY

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-19

Providence, RI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-16

Queens, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I never received the {$150.00} checking account opening bonus with a {$1000.00} direct deposit even though I've fulfill all the requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-15

N Andover, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-14

Palos Park, IL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: The problem I'm having with the mortgage company/servicer is that they refuse to speak with me regarding my husband mortgage. This has happened month after month. So, I took the initiative to reach out in XXXX XXXX. To an organization that help with modifying the mortgage and lowering the interest rate but they refuse to speak with them as well. I feel as if I'm at the end of my rope that I now have to file a complaint against the mortgage company and the service of the mortgage. Please keep in mind I'm on the Deed, So my concern here is why are they given me the runaround and refusing to speak with me. This all started in XX/XX/XXXX my husband deceased XX/XX/XXXX. PLEASE HELP. XXXX XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-14

Reading, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-14

Astoria, NY

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-13

Parlin, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-09

NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/17 thru XX/XX/17 there was more than {$1100.00} in unauthorized atm withdrawals/debit charges to my account. My immedialty went to the bank disputed the charges explaining my safe was stolen out of my hotel room by individuals that I know. The wife called the hotel pretended to be me adding her husband to my reservation without verifying bcc it was done via phone. I went out for the night to celebrate my bday, when I came back I noticed my safe was empty. I was traveling at the time so the only place for me to keep something valuable would my safe. Santander bank is the only bank I know of that sends a debit/credit card in the mail. a seperate envelope that has a PIN number inside for th debit card. Which was how my PIN number was revealed. The couple was not on my reservation, I never gave my pin to debit but card to anyone ever. Since XX/XX/2017 Ive filed a claim about these charges numerous times. The bank refuses to credit me. I provided a police report etc. I called the FDIC for help because I dont understand how Im not entitled to the money that was stolen. They referred me to you. So Im hoping you can help. Im attaching affidavits, list of unauthorized charges and letters from the bank regarding there decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-09

Brooklyn, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Good Afternoon, I have an overdraft line of credit with Santander Bank US. In the past year, I have been charged fees, always in the amount of {$50.00}, totaling about {$400.00}. When I called the bank to ask for an explanation, they claimed that the most recent fee was an annual fee and claimed to have no record of the previous fees ( which I've already paid ). I'm just trying to get a reasonable explanation. These fees can not be late fees, because they all exceed the amount that I owed each month on the account. Please help! Thank you. Sincerely, XXXX
Company Response: Closed with explanation

Timely Response

2018-08-08

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-08

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-08

Elizabeth, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-07

Brooklyn, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-06

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I havent officially complained about this issue yet, but only because I cant get through to Santander Bank. Im XXXX and when I call their XXXX line, Im on hold forever until it finally just disconnects. I tried calling their main number using a XXXX service but the representatives are either hanging up on me or Im getting disconnected with them as well. So my complaint is this ... I have two erroneous charges on my debit card. They appear to be atm withdrawals. There are also some atm fees. Im attaching a screenshot of the unauthorized ATM charges. Please open a dispute claim for these and send me a new debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-03

Manhattan, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-03

Framingham, MA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-02

Slatersville, RI

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-02

Brooklyn, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-02

Reading, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-02

Betsytown, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-01

MA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX ). The check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. My complaint is regarding Santander 's untimely processing of a fraudulent claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response