SANTANDER BANK, NATIONAL ASSOCIATION

2016-12-17

Quincy, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My checking account at Santander Bank was closed without any notice. I went to the branch and the woman told me that they can not reopen the account, and my direct deposit will be sent back to my employer. The employer receives nothing so I call back and they tell me that they have instead took my deposit for an outstanding balance of 55 days. I review my contract and there is no mention of this. The representative acknowledged they have n't sent any notice since XXXX. They simply waited for the next direct deposit and closed the account so I can no longer access the funds. It is a week before the holidays, I have bills due, no food and unable to survive until my next payday.
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

2016-12-16

Boston, MA

Deposits and withdrawals

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

Disputed: No Timely Response

2016-12-15

Allenwood, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: Overnight on XXXX/XXXX/16, my Santander checking account received multiple " hits '' from an unknown source in XXXX XXXX, XXXX. Most were duplicate, repetitive charges which now total more than {$3000.00} on my account. As of this morning, my account is overdrawn - {$1400.00} and growing. I contacted the bank at XXXX this morning to advise them of the fraudulent charges, and my ATM was cancelled. I was then told that the money would stay OUT of my available funds, leaving me overdrawn and without money, until such a time as the vendor requested payment and they " post '' to my account. I 'm supposed to check my account daily, contact them when these charges " post '', and open a claim to have each charge reversed which can take 7-10 days for a provisional credit. For now, my money remains in some limbo account belonging only to Santander. The vendor does n't have it but has up to 30 days to request payment. I ca n't have it, even though the bank LP advised me that the charges are clearly fraudulent. Even when I see it post, I have to wait to have it reversed and made available. My money - clearly part of international hacking/theft - is being held by Santander and not being made available to me even though this was clearly a theft. I have asked that all charges, pending to XXXX XXXX, be noted as " void '' and all my funds be made available to me, but have been advised that it is not their bank policy. I desperately need intervention to move the needle on this chess match. If the vendor holds these pending charges and does n't post them for days or weeks, I may be without appropriate resolution for weeks. Please provide assistance immediately.
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

2016-12-14

Rochdale, NY

Problems caused by my funds being low

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

Disputed: No Timely Response

2016-12-14

Colts Neck, NJ

Deposits and withdrawals

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

Disputed: No Timely Response

2016-12-14

Central Heights, IA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

Disputed: No Timely Response

2016-12-14

Ernul, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Have on the credit report that this is a joint account. I am divorce, it on file in XXXX XXXX in NC. The bank is Santander Bank N.A. XXXX XXXX XXXX, XXXX, MA,XXXX Tele- 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

2016-12-12

Trenton, NJ

Account terms and changes

Consumer Loan: Personal line of credit

Complaint: XXXX XXXX payment paid XXXX/XXXX/16. Santander reports payment XXXX59 days past due. Payment came out my account XXXX/XXXX/16. Santander reports no payment for XXXX in the historical account information section and XXXX59 days past due is the negative information reported. In addition, I made payment in XXXX for twice the amount of the monthly payment and Santander refuses to apply the payment correctly. This has happened twice in the past where the branch applies the payment Incorrectly. The branch told me to contact customer service and customer service refused to apply it correctly and refused to update my credit report. They only updated it to show I made XXXX 's payment after the first dispute but did not update over 30 days or historical account information to show XXXX payment. I request for Santander Bank to accurately report the correct information for XXXX/XXXX/16 payment to all XXXX bureaus since I have to bring this matter through Federal Trade Commission.
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

2016-12-10

Waughtown, NC

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 with explanation

Disputed: Yes Timely Response

2016-12-09

Warren, RI

Deposits and withdrawals

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

2016-12-08

Washington Green, CT

Deposits and withdrawals

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

2016-12-08

West Brandywine, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I had a small business merchant banking account with Santander Bank several years ago. I decided to switch back to my original provider and closed the checking account associated with my Santander merchant processing account, but regretfully neglected to also close the merchant processing account. Without having the ability to perform the duties they were charging me for, and without notifying me that it was a dead account with nothing but fees, they continued to charge me up to {$83.00} per month directly through my primary 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: Yes Timely Response

2016-12-08

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 with explanation

Disputed: No Timely Response

2016-12-08

NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I inquired online on XX/XX/2016 about when a {$300.00} bonus would post to my account. I received a message back that I would receive a response in XXXX business day, I waited until XX/XX/2016 and after not receiving a response, I replied to the email about a status. On XX/XX/2016 I receive a response from a XXXX with an email tag of Sovereign Bank stating that if I still needed assistance to call their customer service phone number. It took customer service 5 days to reply with no resolution and to have me then call them back. This is unacceptable 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

2016-12-07

East York, PA

Managing the loan or lease

Consumer Loan: Installment 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

2016-12-07

RI

Deposits and withdrawals

Bank account or service: Savings account

Complaint: On XXXX XXXX, 2016 I was contacted by someone from a Santander Bank branch in XXXX asking if I was in the state of XXXX because someone was in her branch with my account number & an ID. I immediately called the customer service number on my debit card. As I was on the phone with customer service I logged into my account & discover someone has taken XXXX separate with drawls out of my savings account. XXXX at XXXX branch {$5500.00} cash, {$2000.00} in a cashier 's check. XXXX {$6000.00} cash at another branch all in XXXX. I was connected to the fraud department. I was told I had to go to a branch location with my ID to prove I was in XXXX. All of my accounts were frozen ( checking & savings ). I had to go to the Police Station & file a report. On XXXX XXXX I inquired on the status & was told I needed to get a copy of the police report before the investigation could be completed. On XXXX XXXX I went to the police station picked up the police report brought it to my branch. It was faxed to the fraud department & I was told it would be a few days before the investigation was completed. On the XXXX I called the fraud department because I was concerned that my bills were not going to get paid & my direct deposit was scheduled for the XXXX. I was told the investigation was still in process & could n't give me a date when it would be completed. On the XXXX I called the fraud department AGAIN. I was put on hold so she could contact the investigator. I was told my money would be back in my account by the end of the week. I checked my account several times on Friday XXXX XXXX & my money was not in my account. I called yet again & was told I had to go to a branch someone could help me there. I explain the situation to the 3rd person in this branch & then was told the fraud department was closed for the day so there is nothing he can do for me. He printed my profile took my cell phone number & promised he would follow up with the fraud department in the morning & call me. I never heard from him. On XXXX XXXX I filed an online complaint with the XXXX office, I have not heard back. I contacted XXXX. They gave me the phone number to OCC. After speaking with the OCC I was told I have to contact Consumer Financial Protection Bureau. It is now XXXX XXXX. It 's been 27 days since my money was taken. I have no answers. My money has still not been replaced. I do not want to speak to another person at that bank, the fraud department or the branch. I am extremely frustrated with this whole situation & do not understand what is taking so long to replace my money. This was the banks error for allowing someone to walk into branches in another state & with draw large amounts of money out of my account. I feel I have had to jump through hoops. Prove it was n't me. Take numerous hours out of my work day between having to go to branches & phone calls. I am hoping someone can help me please.
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

2016-12-07

Cambridge, 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: Yes Timely Response

2016-12-07

Wellesley, 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

Disputed: No Timely Response

2016-12-06

Hamilton, 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

2016-12-05

TX

Unsolicited issuance of credit card

Credit card:

Complaint: I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.
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

2016-12-05

Carver, MA

Problems caused by my funds being low

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

2016-12-02

Saratoga, CA

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

2016-12-02

Boston, MA

Deposits and withdrawals

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 Untimely Response

2016-12-01

Brookside, NJ

Other fee

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

2016-11-30

Bath, NH

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