SANTANDER BANK, NATIONAL ASSOCIATION

2017-10-03

Collingdale, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2017-10-02

Blackbird, DE

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: On XXXX/XXXX/XXXX, I attempted to open a Santander Simply Right checking account, after receiving a promotional offer in the mail for an additional {$200.00} once {$1000.00} is direct deposited within the first 90 days of opening. The promotional offer is XXXX. I submitted the application, got through the whole process, deposited an initial {$25.00} via my credit card, and then got to the authentication interview. The A/I questions from my credit report were all regarding my father, who has the same name as me. Two initial problems here : 1 ) You attempted to verify me using the wrong CB report, and 2 ) My father is XXXX. Then, the account was declined ( since I either failed the A/I, or a red flag went off from my father 's XXXX indicator ). I called into Santander at XXXX - I was told that I have to go into my local branch to figure it out. So, I called my local XXXX, DE branch at XXXX to figure out what I need to bring. They advised a copy of my driver 's license showing that I live at the address I input on my application and a 2nd form of ID. Problem number three comes into play here : 3 ) I recently sold my condo, which is the address on my driver 's license. I am temporarily living with my family in a small interim period while I am looking to buy a new house. The Santander reps told me to update my driver 's license - I advised I am not going to do that for the few months I am living with my family. So I asked what other documents I can bring in to prove my identity. I was told a lease agreement or a utility bill, but not a cell phone bill, or a copy of my pay stub. Problem number four comes into play here. 4 ) As previously stated, I am living with my family for a short period of time. There is no lease agreement. There are no utility bills in my name. And unfortunately my pay stub does not have my address. So then I asked what else I could show. I offered to bring in a copy of any one of my four credit reports ( XXXX XXXX XXXX XXXX ). I advised I could bring a copy of my birth certificate, which has my parent 's names, and a utility bill in my mother 's name. No go on that. I was then told I could just reapply, but no guarantees. Problem number 5 and 6 : 5 ) If I reapply, Santander will repull my bureau ( leading to an inquiry, not sure if it is hard or soft ). 6 ) If I reapply, I will lose the {$200.00} promotional offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-01

East Rockaway, NY

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

2017-09-28

Griffin, GA

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

2017-09-28

Fertility, PA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2017-09-27

Norwalk, CA

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in XXXX, recently one of my XXXX friend who lives in XXXX agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an XXXX ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-27

Jackson, NJ

Struggling to pay mortgage

Mortgage: Other type of 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

2017-09-26

Blmgtn, IN

Struggling to pay mortgage

Mortgage: Other type of 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

2017-09-26

Phila, PA

Closing an account

Checking or savings account: Other banking product or service

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

2017-09-26

Heer Park, NY

Closing your account

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

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

2017-09-25

Havertown, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-24

PA

Closing your account

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

Company closed your account
Complaint: On XXXX XXXX I attempted to make a purchase with my credit card. I had checked my credit line/available credit on line using the bank website. My account shows a credit line of {$3500.00}, Available Credit of {$2300.00} and a balance of {$1100.00}. The purchase was denied at the checkout - I called the bank from the store and was told the account had been closed. I asked when the account was closed and was told it has been closed since XXXX. I received NO notification from the bank that the account had been closed - and the information I looked up on line for my account shows " available credit ''. When I received my paper statement it also includes and " available credit '' amount. I called the bank and asked why I have available credit showing if the account is closed. I did not receive a reasonable response. I believe they continued to show available credit to entice me to continue payments - and would let me know the account was no longer usable once the card was paid off.
Company Response: Closed with explanation

Timely Response

2017-09-22

Nashua, NH

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

2017-09-21

Cherry Brook, MA

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

2017-09-21

Providence, RI

Applying for a mortgage or refinancing an existing 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

2017-09-17

Lancaster, PA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated 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

2017-09-15

Lynn, MA

Problem when making payments

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

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

Timely Response

2017-09-14

Rehoboth, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-13

NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Complaint: On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-08

Cherry Brook, MA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was result of identity theft
Complaint: Applied for Home Equity Line of Credit XX/XX/XXXX at Santander Bank. I wanted to consolidate credit cards to pay off at lower rate and have a better credit rating to cosign my daughter 's college loans. SHe is a XXXX so I have more loans to go. I am XXXX XXXX, had XXXX XXXX 2 yrs ago. Was told 6wks. It took until X/XX/17 to close. XXXX XXXX was the executive at XXXX XXXX I spoke with. He pushed me off to assistant XXXX XXXX who repeatedly had me fax papers saying they never got them. Dates passed by as I kept asking what was going on. Very poor understanding of their product by the employees. Closing was held at a XXXX by XXXX XXXX, noist, papers fying, on stools. It was there I was 1st told I had to open a checking account to pay my interest and principal payments into in order for HELOC to be taken out. This was a surprise and questioned why I would n't just pay directly. I have a XXXX cchecking acct. I do n't need this one. She said it was how they did it. I was told ther would be an overdraft fee. But, since I never planned to take any $ out ever agin, but only pay off, I did n't think I would need it. As in my XXXX acct overdraft charges are only made if you overdraft. I found out 2 wks ago this is a monthly regular charge. News to me as was the invoice showing $ XXXX/monthly statement. There are surprise fees evry single month. I am being nickle and dimed. It was bait and swith just to open a cking acct to get those fees. My wallet was stolen XX/XX/XXXX and Santander allowed the thieves to get {$50000.00} from an dummy checking acct and allowed them to take from my HELOC!! I have reported the fraud XX/XX/XXXX,XX/XX/XXXX and every day until today when I was called to the branch to file a claim. XXXX handled it by XX/XX/XXXX, all funds returned to my accts. I filed a police report. they said they never heard of a bank not replacing funds asap! I am very stressed and feel abused and pushed to my limits until I am crying and screaming, swearing at them to remove those hidden fees and refund those funds after 6 whole days. During last 5 months many errors, tellers not knowing how to process my payment tho I followed directions to the " T '' and many, many calls from them again and again. It is harassment.
Company Response: Closed with explanation

Timely Response

2017-09-08

Phila, PA

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

2017-09-08

Woodbridge, NJ

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

2017-09-07

Exton, PA

Trouble during payment process

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

2017-09-07

Lakehurst, NJ

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

2017-09-06

PA

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: In XX/XX/XXXX I found my XXXX XXXX XXXX Account in the glove box of my truck I traded in and in the book stated that I had {$830.00} in the account as of XX/XX/XXXX. I went to Santander Bank who merged with XXXX XXXX and talked with the customer service rep. who did a check of the system and could not find any information in their computers of the account using my name, date of birth, social security number or the account number. several months passed and I went back to Santander Bank who stated that they only keep records for 7 years and that they had no record of the account and that I should have received a letter advising of the merger and to come and get my money. I never received any letter from the bank and I was also advised to check with the state at Unclaimed money for Pa. in which I checked twice all with negative results. My state Rep did also check with no luck. In XX/XX/XXXX a man from the bank named XXXX XXXX XXXX stated that they sent me a check in the amound pof {$830.00} on XX/XX/XXXX in which I never received. I requested from the bank several times a copy of the check with my signature on the check cashing the check in which the bank states they do n't have. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response