SANTANDER BANK, NATIONAL ASSOCIATION

2016-09-26

Nashua, NH

Billing disputes

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

2016-09-26

Allentown, PA

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: Yes Timely Response

2016-09-26

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I am XXXX XXXX - filing this complaint for my XXXX, XXXX XXXX. She appears to have been involved in some predatory banking with Santander Bank, N.A., XXXX. She is currently XXXX years old, was given a line of credit of {$100000.00} in XXXX on a home that was not worth that much, but my main concern is that she only had {$630.00} coming in via SSI with no other means of repayment. I do not think she understood that this had to be paid back, possibly she thought it was a " reverse mortgage ''. Plus already had a line of credit from XX/XX/XXXX with her Mother who has been deceased since XX/XX/XXXX in the amount of {$10000.00}. She has given my sister and I power of attorney so we can assist with this matter. My grandparents built this home in XX/XX/XXXX and had it paid off XX/XX/XXXX. I do not understand how she qualified for these monies. Now the bank wants us to put the property up for sale before they will foreclose. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX Work 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

2016-09-23

Boston, MA

Using a debit or ATM card

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

2016-09-23

Cherry Brook, MA

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 with explanation

Disputed: No Timely Response

2016-09-22

Emmaus, PA

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 Untimely Response

2016-09-22

Cavetown, MD

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

2016-09-22

Hopkinton, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: due to the Bank checking on fraud ( which I understand ) they denied a transaction at a local ATM due to me being out of state. ( again which I understand ) I called the bank and although in a public place require me to give my social to access the account. I asked if there is any other way and they refused to help me. I then requested a manager and they repeatedly put me on hold and then the same person gets on the phone and even though I explained to her earlier that I am XXXX miles from a branch she says they will not help me and I need to go to the Branch. After asking for the manager again and waiting on hold almost 20 minutes she hangs up on me. Can someone please help me. It 's my money and they are holding it hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-09-21

Danvers, MA

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: Yes Timely Response

2016-09-21

Arlington, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On my most recent account statement, Santander charged me a {$3.00} " paper statement fee. '' I had not been notified that I would be charged for receiving my checking account statements via XXXX Mail. Not only was the fee a surprise, but it is also unjustified because the price of printing and postage does not add up to {$3.00}. Nevertheless, I complied with Santander 's desire and signed up for online statements. Then I asked Santander to reverse the {$3.00} fee in light of lack of notice. To date, Santander has not reversed the fee.
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

2016-09-20

Palmerton, PA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: Santander Bank Na continues to report an account which is not mine and refuses to correct the reporting of this debt. They have not verified or provided any documentation in reference to this debt. When disputed with XXXX they replied : t & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact : Santander Bank XXXX, XXXX XXXX XXXX, MC XXXX XXXX XXXX, XXXX MA XXXX Phone : ( XXXX ) XXXX. XXXX XXXX Title XXXX Chapter XXXX Subchapter V XXXX Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. XXXX XXXX Title XXXX Chapter XXXX Subchapter V XXXX Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. XXXX XXXX Title XXXX Chapter XXXX Subchapter XXXX XXXX XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. XXXX iii XXXX a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information XXXX XXXX XXXX XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( XXXX ) The false representation of -- XXXX XXXX XXXX the character, amount, or legal status of any debt ; ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed 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

2016-09-20

NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My business Merchant account is setup without my intention and fee is charged in ACH withdrawal every month from my business account. I have never / am not using any equipment or services from this account from Santandard bank and XXXX XXXX XXXX. Sales Rep XXXX XXXX XXXX from Santandard bank located at XXXX XXXX XXXX NJ tried to sell me Merchant Services for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2016 and I did not agree until I get it on paper and send me so I can review the agreement. She filled up all agreement documents and signed my name on documents and sent me all final documents. I never signed or authorized any person on my behalf to sign those papers. Even my name is incorrect and my signatures are incorrect on all agreement documents which can be verified. In last 6 months I have tried several times to reach Santadard bank representative to discuss matter but she never picked up my phone. I contacted XXXX XXXX XXXX to resolve this issue but never got any reply from them. I would like to have a lawful action on XXXX XXXX XX/XX/XXXX to do forgery and damages to my business. There are XXXX documents to be attached with this complaint.
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

2016-09-20

Palmerton, PA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: Santander Bank Na continues to report an account which is not mine and refuses to correct the reporting of this debt. They have not verified or provided any documentation in reference to this debt. When disputed with XXXX they replied XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact : Santander Bank N.A., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MA XXXX Phone : XXXX. U.S. Code Title 15 Chapter 41 Subchapter V 1692g Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. U.S. Code Title 15 Chapter 41 Subchapter V 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-09-19

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

2016-09-16

Salem, NH

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

2016-09-15

Eliz City, NC

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

2016-09-15

Manor, DE

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

2016-09-15

Ridley Park, PA

Received a loan I didn't apply for

Consumer Loan: Title loan

Complaint: santander bank issued me a over draft acct that i neither asked for now want. they gave me an over draft bill of XXXX which i promptly paid and told the bank rep on the phone. she assured me that after i paid it they would take it off my acct. the following month XXXX was added on as another fee that they said i had to pay for this over draft acct. when i paid the XXXX dollars the rep assured me that this was all i owe and it would be paid off and taken off. i called santander banks fraud dept and got the run around and put on hold for over an hour where they disconnected me 3 times. now there is a collection rep who has called me every day for a month to pay that bill plus late charges and other fees which now total XXXX .i am at wits end because now they 've closed all of my acts and put a negative rating in my credit score which will prevent me to cosign for my daughters student loans. i want to sue them for fraud and punishment damages for putting me into an account i did n't ask for and am forced to pay for. even if i pay this santander tells me that i ca n't get rid of this over draft acct.
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

2016-09-14

Lawrence, 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

2016-09-14

Phila, PA

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

2016-09-14

Boston, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Upon having my debit card rejected when attempting to purchase a coffee, I checked my account statement online which read $ XXXX. A check had been deducted from my account for {$40000.00}. I suspected check fraud, called Santander and was instructed to proceed to a branch. While at the branch, the tellers and I deduced that an ATM error misread my check for {$40.00} and, unfortunately, nothing could be done. I demanded that this be resolved as soon as possible as I needed gas to return home but was told that the check had to be cleared before any action could be taken. This could take up to 2 business days. I asked how this amount could be automatically subtracted from my account with no alert, whether electronically or by phone and the tellers could not provide a sufficient answer. The teller then advised that I should have a credit card as a back-up for gas and I should have downloaded the Santander app. The Santander app would have alerted as soon as the check was deducted from my account. The teller further indicated that if I had acted sooner, ie. in the morning vs. afternoon, this problem could have been averted. It has now been 24 hours and I still do not have access to my funds and my account remains to be $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-09-13

San Francisco, CA

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

2016-09-13

Taunton, 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

2016-09-13

Gloucester City, NJ

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 with explanation

Disputed: Yes Timely Response

2016-09-12

Coventry, RI

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