SANTANDER BANK, NATIONAL ASSOCIATION

2016-11-02

Colts Neck, 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

2016-10-31

Belmar, NJ

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 Timely Response

2016-10-31

Brooklyn, NY

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

2016-10-31

PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: See attached copy of letter to Santander Bank CEO & President XXXX XXXX XXXX XXXX. Below is an excerpt of the letter : - XXXX XXXX, 2016 Sent by Fax # XXXX and First Class Mail XXXX XXXX XXXX XXXX CEO and President Santander Bank, N. A. XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Dear XXXX XXXX : Re : Checking Account Number XXXX Earlier this year, I was solicited by Santander Bank, N.A. to open a checking account with {$150.00} Bonus. On XXXX XXXX, 2016, I opened the account with XXXX XXXX XXXX at the XXXX, PA XXXX Branch of Santander Bank. By deception, XXXX XXXX failed to offer or order an ATM/Debit card for the subject checking account, expecting that Santander Bank will impose fees on this account. I had to call Santander Customer Service three times before I received an ATM/Debit card and this caused more inconvenience to me. I am told that some Santander Bank employees engage in such deception to increase fees revenues. XXXX XXXX told me that any direct deposit of {$500.00} or more from any business entity made within 90 days of the subject checking account will qualify for {$150.00} Bonus. On XXXX XXXX, 2016, a business entity XXXX XXXX XXXX XXXX, XXXX made a direct deposit of {$500.00} to the above captioned account fully complying with the {$150.00} Bonus offer that Santander Bank, N.A. made online to solicit checking account customers. According to the terms and conditions of the {$150.00} Bonus offer ( copy attached ), it specifically states : - Direct deposits include deposits made by your employer or a federal or state government agency or retirement benefits administrator and generally payments made by corporations or other organizations. It does not include deposits to your Account that are made by an individual using online banking or an Internet payment provider such as XXXX. The direct deposit of {$500.00} was made by a business entity, XXXX XXXX XXXX XXXX, XXXX. It certainly was NOT made by an individual. See attached Bank Statement. The Santander Bank, XXXX PA XXXX Branch Manager XXXX XXXX XXXX was contacted about this matter and he chose to make misrepresentations about qualifying for the {$150.00} Bonus. He stated that the direct deposit must be from a payroll company like XXXX or XXXX which is grossly false and that kind of condition was never disclosed when the subject account was opened. Nowhere in the Terms and Conditions shown above ( copy attached ) does it state a requirement for Direct Deposit to be made exclusively by XXXX or XXXX. This same excuse of Direct Deposit has to be made by a payroll company ( XXXX or XXXX ) was repeated by the Santander Bank Customer Service call center Staff. It is evident that the systemic problem of deceptively soliciting new checking account customers with {$150.00} bonus is further compounded by Santander Employees being trained to mislead the customers that they are not entitled to the {$150.00} bonus unless XXXX or XXXX ( exclusively ) provides the direct deposit of {$500.00} or more. See attached copy of email sent by the owner and founder of XXXX XXXX XXXX XXXX to Santander Bank Branch Manager XXXX XXXX XXXX who chose to ignore and refused to respond to several reminders/calls about the lapses. As one of the many customers who was solicited and deceived by Santander Bank, I am writing to you XXXX XXXX as the CEO and President of the bank, to get assurance that {$150.00} Bonus owed to me will be credited on the subject account immediately. Despite my repeated requests, this matter has not been corrected. I would greatly appreciate your looking into this matter immediately and straightening it out. If Santander Bank fails to credit {$150.00} Bonus to the subject checking account, please close this account immediately and mail the check to my address shown above without any further delays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-10-31

PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: See attached copy of letter to Santander Bank CEO & President XXXX XXXX XXXX XXXX. Below is an excerpt of the letter : - XXXX XXXX, 2016 Sent by Fax # XXXX and First Class Mail XXXX XXXX XXXX XXXX CEO and President Santander Bank, N. A. XXXX XXXX XXXX, XXXX XXXX, MA XXXX Dear XXXX XXXX : Re : Checking Account Number XXXX Earlier this year, I was solicited by Santander Bank, N.A. to open a checking account with {$150.00} Bonus. On XXXX XXXX, 2016, I opened the account with XXXX XXXX XXXX at the XXXX, PA XXXX Branch of Santander Bank. By deception, XXXX XXXX failed to offer or order an ATM/Debit card for the subject checking account, expecting that Santander Bank will impose fees on this account. I had to call Santander Customer Service three times before I received an ATM/Debit card and this caused more inconvenience to me. I am told that some Santander Bank employees engage in such deception to increase fees revenues. XXXX XXXX told me that any direct deposit of {$500.00} or more from any business entity made within 90 days of the subject checking account will qualify for {$150.00} Bonus. On XXXX XXXX, 2016, a business entity XXXX XXXX XXXX XXXX, XXXX made a direct deposit payment of {$530.00} to the above captioned account fully complying with the {$150.00} Bonus offer that Santander Bank, N.A. made online to solicit checking account customers. According to the terms and conditions of the {$150.00} Bonus offer ( copy attached ), it specifically states : - Direct deposits include deposits made by your employer or a federal or state government agency or retirement benefits administrator and generally payments made by corporations or other organizations. It does not include deposits to your Account that are made by an individual using online banking or an Internet payment provider such as XXXX. The direct deposit of {$530.00} was made by a business entity, XXXX XXXX XXXX XXXX, XXXX. It certainly was NOT made by an individual. See attached Bank Statement. The Santander Bank, XXXX PA XXXX Branch Manager XXXX XXXX XXXX was contacted about this matter and he chose to make misrepresentations about qualifying for the {$150.00} Bonus. He stated that the direct deposit must be from a payroll company like XXXX or XXXX which is grossly false and that kind of condition was never disclosed when the subject account was opened. Nowhere in the Terms and Conditions shown above ( copy attached ) does it state a requirement for Direct Deposit to be made exclusively by XXXX or XXXX. This same excuse of Direct Deposit has to be made by a payroll company ( XXXX or XXXX ) was repeated by the Santander Bank Customer Service call center Staff. It is evident that the systemic problem of deceptively soliciting new checking account customers with {$150.00} bonus is further compounded by Santander Employees being trained to mislead the customers that they are not entitled to the {$150.00} bonus unless XXXX or XXXX ( exclusively ) provides the direct deposit of {$500.00} or more. See attached copy of email sent by the owner and founder of XXXX XXXX XXXX XXXX to Santander Bank Branch Manager XXXX XXXX XXXX who chose to ignore and refused to respond to several reminders/calls about the lapses. As one of the many customers who was solicited and deceived by Santander Bank, I am writing to you XXXX XXXX as the CEO and President of the bank, to get assurance that {$150.00} Bonus owed to me will be credited on the subject account immediately. Despite my repeated requests, this matter has not been corrected. I would greatly appreciate your looking into this matter immediately and straightening it out. If Santander Bank fails to credit {$150.00} Bonus to the subject checking account, please close this account immediately and mail the check to my address shown above without any further delays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-10-26

Camden, NJ

Account opening, closing, or management

Bank account or service: Savings 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

2016-10-25

MA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!
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

2016-10-25

MA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: The following is the text of a letter sent to Santander Bank on XXXX XXXX, XXXX : Please be advised that this is a second follow up letter related to the above referenced accounts with your institution. I have discussed the contents with XXXX of my attorneys and adviser, a former bank owner and CEO, and decided to proceed with my claims. I would prefer to settle without a costly and drawn out legal process, but am committed to move forward to recover my reputation and good credit record. In XXXX of XXXX, I was placed on XXXX ( Social Security XXXX Income ) by the Social Security XXXX of the United States Government XXXX. I have always prided myself in hard work and my ability to maintain a comfortable lifestyle and an excellent credit rating of over XXXX XXXX. At the beginning of this year, I was forced to retire. As you should be able to see from your own records and reporting and that of the Credit Bureaus, my history of credit has been long and above reproach. In spite of all of these difficulties and setbacks, I kept my accounts current and up to date and consistent with creditors expectations and policies. After 43 years and millions of dollars in transactions with Santander Bank N.A. and its predecessors, XXXX of my few paper checks that I use, that had already been cashed, franked and marked 'for Deposit only ', was intercepted and reused with a changed check number, amount and payee. It appears that access to those checks was gained, in XXXX XXXX, internally or electronically, since I never had access to the actual checks once they were cashed. Your institution is in possession of numerous copies, all of the exact same check, which were used for fraudulent purposes, and, to my knowledge, have made little attempt to investigate or detain the perpetrators. In fact, I personally did the research and found the original check that had been used in the scam ( copies enclosed ). Upon notification, I immediately 'froze ' that account and reported the transgression to the bank and authorities as well as put an alert on my Credit Bureau information. To add to the indignity, having been assured by that bank that all of my other functions ( BillPay, AutoPay ) would remain intact, I left those payments already scheduled, in place. It was not until I tried to use a credit card associated with those payments, that I was made aware that the payments made over a two week period had been reversed by XXXX, an outside payment agency contracted by the bank. You should, by now, be in receipt of the apology letter sent by my bank which indicates that the error was fully their responsibility. This and subsequent events have led to the compromise of my Identity and erosion of my credibility and solvency of no less than XXXX Credit Card Accounts for both my Business and Personal use. The events of the past months have taken an enormous toll on my XXXX well being as well as my finances and savings. Santander Bank, and its individual entities, have, for the most part, been less than helpful and understanding of my situation. I find this very troubling since it is your institution, that it would appear, is directly responsible for the downward spiral of my credit and credibility. It has forced me slowly and methodically remove my accounts and access from Santander and all its entities, and to freeze or close affected accounts at other institutions. There are still a large number of questionable fees and charges attached to my accounts that I fully intend to pursue for reimbursement. I was asked by you, or XXXX of your representatives, to research and provide a detailed accounting of all of the relevant transactions and charges with your bank and others which were part of my BillPay profile. ( continued )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-10-22

Maynard, 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

2016-10-21

Wallington, NJ

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

2016-10-20

E Meadow, NY

APR or interest rate

Credit card:

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

Disputed: Yes Untimely Response

2016-10-19

Canton, MA

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 with monetary relief

Disputed: No Timely Response

2016-10-19

Manhattan, NY

APR or interest rate

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

2016-10-18

Salem, OR

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

2016-10-18

Unity Plaza, CT

Account opening, closing, or management

Bank account or service: Savings 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

2016-10-17

North Waltham, MA

Closing/Cancelling account

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

2016-10-17

H I A, PA

Other

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: No Timely Response

2016-10-16

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Sandanter Bank is reporting XXXX line of credit accounts to my report as haveing been late on payments. I have disputed these account with Sandanter and Sandanter has failed to provide the notice of dispute in the required time frame as required by law. I am planning to sue Sandanter Bank in small claims court nearest to me. I am planning to sue for {$5000.00} as explained in attached letter. This is a goodwill attempt to solve this issue out of court and without monetary compensation. once i Sue in court i will not settle without momentary compensation.
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

2016-10-14

Bohemia, NY

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

2016-10-14

Nantucket, MA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-10-13

Flushing, NY

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

2016-10-13

Jersey City, NJ

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

2016-10-13

Three Bridges, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.
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

2016-10-13

Trenton, NJ

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 with explanation

Disputed: Yes Timely Response

2016-10-13

Allenwood, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My attorney and I have been trying to get a payoff amount for my mortgage since XXXX XXXX, 2016 and can not get Santander Bank to give us one. I am about to lose the sale of this house due to their incompetence and I need some help from you to obtain the numbers I need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response