SANTANDER BANK, NATIONAL ASSOCIATION

2017-01-27

Arlington, VA

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-01-27

Northside, NC

Making/receiving payments, sending money

Bank account or service: Savings account

Complaint: I am in process of buying a house. 10 days before closing date which is XX/XX/2017, someone faked email ids of my real estate agent and real estate attorney, and duped me into sending a wire for USD XXXX as the cash down component of my house purchase. The wire was sent on Friday XX/XX/2017. Copy of the entire email communication with the " fake '' email id is attached, so is the copy of the wire I sent. My bank is XXXX XXXX XXXX ( XXXX ) in XXXX XXXX and the receiving bank is Santander Bank in XXXX, XXXX. I did the wire through a branch of XXXX. The associate who sent the wire, although the address of receiving bank that i had in my wire instructions and the ones showing up on bank 's screen did not match, the associate did not think it was of concern and sent the wire. The FED ID no of the wire is XXXX, and the money was received into the receiving account, as confirmed by the FED ID number. May be noted that fake email ids were created by changing 1 character of the email id to disguise it well and make it very difficult for anyone to realize they are face. The genuine mail id of real estate agent is XXXXXXXXXXXX while fake one is XXXXXXXXXXXX ( note the extra " XXXX '' after estate ). Genuine mail id of real estate attorney is XXXXXXXXXXXX while fake one is XXXXXXXXXXXX ( note the change of. position ) On Monday, XX/XX/2017 morning, I got a call from the fraud dept of Santander Bank ( contact number XXXX ), asking me to verify the authenticity of the wire. I then realized that something is wrong. Santander said i should check if this is fraudulent and if yes, contact my bank immediately and take steps to recall the money. I did that immediately. XXXX XXXX XXXX generated a " wire recall '' advise on same day XXXX XXXX, but due to some procedural issues, was actually sent to Santander on XX/XX/XXXX, at XXXX, using MTP XXXX with ref no. XXXX. The recall advise clearly mentioned that this is a fraudulent transaction and funds should be reversed immediately. I called XXXX Police dept and filed a fraud case ( case no. XXXX ). Detective XXXX XXXX started work on the case on XX/XX/XXXX. I and Detective XXXX have followed up with Santander several times now. The bank says they will not take any action or return my money until they receive from XXXX XXXX XXXX a " letter of indemnity, also called Hold Harmless letter '', which apparently indemnifies them against any liability. XXXX XXXX XXXX refuses to send any such letter, they claim by doing so, they will become liable, which they are not. Despite multiple follow ups with multiple departments of both banks, neither bank is willing to budge from its respective position. Santander meanwhile has frozen the account under question, since they already suspected something suspicious. They refuse to divulge any more information, including whether my money is still in that account or not. On XXXX, I received a new email from the fraud email account ( fake email of my real estate agent ) saying there 's a problem with them accessing the funds and the funds are being reversed and later sent me a fresh set of wire instructions for another bank account ( details in the email thread ). From this, it seems clear that there is high probability that the funds are there in the frozen account. I want to file a complaint against Santander Bank, for not releasing the funds despite a ) Their Fraud dept calling me first to check the authenticity of the wire, and asking me to then take steps to recall the money b ) Freezing the account because they probably know it 's fraud c ) High probability my money is still there since scamster 's email suggests they could not withdraw the funds. Santander also refuses to talk or discuss with me or my bank to try and find a solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-26

Wilson, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-26

Coconut Creek, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2017-01-26

Providence, RI

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-26

Boston, MA

Problems caused by my funds being low

Bank account or service: Other bank product/service

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

Disputed: Yes Timely Response

2017-01-26

New Bedford, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-25

Halyoke, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-01-24

WY

Closing/Cancelling account

Credit card:

Complaint: My name is XXXX and I am a victim of identity theft. There is a fraudulent Santander account reporting on my credit report. I have called Santander to report the account as fraud. Each time I call, I am told that an investigator will call me back. No one has returned my call. The card is reporting open on my credit report. They have not even closed the card down yet because every representative that I have spoken to has been unable to locate the account. This company has been near to impossible to deal with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2017-01-24

Boston, MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XX/XX/2017 I transfered {$150.00} from a savings account to a checking account. I did this on line, as I had done many times before. I made this transfer to make sure there was sufficient funds in my checking account to cover expenses. In the past the decrease in funds from one account and the corresponding increase in funds in another account would show immediately. Recently this has not been the case. The reciept I printed shows the action I took occured on XX/XX/2017 but the transfer date was to be XX/XX/2017. When I went to the bank to voice my concern they said it was a business day sort of thing. To me this was a LAME excuse as the bank has no problem reducing a balance for a transaction on a friday and showing that decrease on saturday. As I said this is a new situation, It did not used to be this way. I believe Santander has changed it logrhythms to generate more overdraft fees. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-24

Ridley Park, PA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Took a loan out with Santander Bank on XX/XX/2016. They escrowed money from my loan proceeds to pay all of XX/XX/2016 taxes. Just found out they never paid them and now I 'm delinquent on my borough and county taxes. When I called them they told me they never took out the money which I can see on my settlement statement they did. XXXX XXXX in Mortgage Servicing told me they never with held any loan proceeds. I want a full accounting of my entire settlement, since they also paid off homeowners, title insurance, etc. Every time I call them I get a run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-23

Lakewood, NJ

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-01-20

Reading, PA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: HELLO XXXX XXXX XXXX apply for a mortgage loan from Santander bank in XXXX PA. For the purchase of a property that had to be repaired but not much since I personally had the staff available and the contractors to repair the property. The realtor asked me for a deposit of {$1000.00} dolare. I have an excellent credit About XXXX points and my salary is ecellent I am a retired person and XXXX. The bank asks for money in checks and that there would be a new account with them and all supposed mind for the house. The loan was 2.8 % so I stayed with them and {$13000.00} suddenly, when it increased soon to {$26000.00}. The bank raised the interest to 3.99 % I paid all the certification of the reading area wather authority I paid the apraisal of real property. Which indicate that in reparal the property had a cost of {$2500.00} dollars as a person left an open door traceras and stole XXXX feet of copper pipe of the house. Only the basement but the same would be remplasado in 1/2 day since the house had water and make a repair of the window of the second floor that by the strong winds lost a protective bareta and the water entered but very little was repaired but not corecta mind. And to replace a pedaso of panel on the second floor I have the photos to be more detailed I have the money for the repairs this was informed the day of request of the loan and they gave a combentional loan to me and not an FHA. And the closure was scheduled for XXXX XXXX, XXXX and was suspended without warning because they wanted more inspections of light and water and the roof. The house has connected the water and the light and the roof. After being paid to the contractors the bank without notice on XXXX XXXX, XXXX. tells me that they can not give me the loan because I did not make it biable and that the money lost would not recover it that they give me a personal loan of XXXX XXXX Dollars to the 7.9 % that if I take it or leave it which provoked that I can lose the house and because of it I paid fines for breach of contract and that I lost {$1000.00} dollars without counting what I gave to them. To all this was not communicated the house has a value of {$70000.00} giving suddenly {$26000.00} for a loan of {$43000.00} the value of the property in the market is {$120000.00} dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-20

Jersey City, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-19

Lodi, NJ

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-01-18

Lydick, IN

Customer service / Customer relations

Credit card:

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

Disputed: Yes Timely Response

2017-01-18

West Brandywine, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-14

Cupertino, CA

Other

Credit card:

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

Disputed: No Timely Response

2017-01-13

Stoughton, MA

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-01-13

Palmerton, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-01-12

Phila, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-01-12

Tuckasegee, NC

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2017-01-12

Dayton, OH

Billing statement

Credit card:

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

Disputed: No Timely Response

2017-01-12

Boston, MA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-01-11

Pinellas Park, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response