SANTANDER BANK, NATIONAL ASSOCIATION

2016-07-06

Manchester, CT

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

2016-07-05

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-07-05

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: No Timely Response

2016-07-03

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: About XXXX, I opened a Home Equity Line of Credit with XXXX XXXX XXXX XXXX XXXX based in XXXX, Fl. The XXXX XXXX XXXX was subsequently taken over by the XXXX, in either XX/XX/XXXX or XX/XX/XXXX, and the loan was sold at least twice. The line of credit amount was $ XXXX and the initial draw was around $ XXXX. This amount was paid off and the account was dormant for some period of time. At some point, the loan was sold to Sovereign Bank and they forwarded checks to me in order to access the line as well as a solicitation letter stating that the checks would expire XXXX XXXX, XXXX. I did not use these checks. I subsequently received correspondence and checks from Sovereign/Santander Bank and again, did not use the checks. I have a statement from XXXX/XXXX/XXXX reflecting a XXXX balance. Around XX/XX/XXXX, I needed to have my roof replaced and contacted Santander Bank to determine if the line was still open. I was assured it was and so I accessed the line for about $ XXXX was paid off and in XX/XX/XXXX I accessed the line again for some remodeling. I believe that since that point, the account has had a balance with I believe the highest balance at around $ XXXX. The current balance is about $ XXXX. The monthly payment I make is well over the minimum interest only required as I usually pay {$500.00} and sometimes {$1000.00}. This brings me to the current situation which is both shocking and unbelievable. On XXXX XXXX, XXXX, I received a letter from Santander stating the following : " During a recent review of your account, we discovered that your Home Equity Line of Credit Agreement called for a balloon payment that was due on XXXX/XXXX/XXXX. Due to an oversight on our part, we continued to accept payments made after the Agreement matured on XXXX/XXXX/XXXX. Because of your willingness to make payments on this line of credit and our commitment to customer service, we are extending the date that you have to pay off this line for an additional 120 days from the date of this letter. '' I immediately contacted Santander believing that this must be an error. I was given the run around but the bottom line was that there was nothing that could be done and the tone was almost as if it was my fault? My points : 1. ) They could not advise when they purchased the loan and obviously did not review the documents prior to loading on their system. 2. ) I asked to see a copy of the note as after all these years I do not have this document 3. ) Even if this balloon payment clause is correct, they not only allowed, but encouraged me to use the line I contacted Santander and I said I would be open to paying off the balance but could not accomplish this by XXXX/XXXX/XXXX and requested an extension for about XXXX months assuming I pay {$500.00} a month. They would not agree to this and advised if not paid by XXXX/XXXX/XXXX, the account would be considered delinquent and would affect my credit I have worked my entire career in lending with large companies and most recently worked for XXXX for over XXXX years. I have often read and heard about situations that people have encountered related to banking errors or oversight but have never personally encountered any issues. My credit is excellent and my bills are always paid on time. I appreciate your time and look forward to hearing from you in the near future.
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

2016-07-03

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I had been saving my rent money in my savings account to set it aside for the first of the month. However, I transferred it back to the checking account too late ( one day late ) and because of that, I was charged a fee. I 'm in serious financial distress right now. After a medical problem, I have accumulated a lot of debt and I had only allocated the last {$20.00} that was supposed to be in my account to feeding myself for the next 10+ days. This bank has refused to return the {$35.00} despite my circumstances and my account remains negative with no possible way for me to fix it and with more fees on the way because I also had XXXX small bill that will now also overdraft my account since the fee was charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-07-02

Boston, 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: No Timely Response

2016-07-01

Elmhurst, NY

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

Disputed: No Timely Response

2016-06-28

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: No Timely Response

2016-06-28

Wrentham, MA

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: ATM Skimming device placed on XXXX MA, XXXX between XXXX XXXX and XXXX XXXX. Bank statement outlined " CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX US . on XXXX XXXX at XXXX XXXX. '' Santander alerted me via snail mail that my debit card may have been a victim of fraud and it was disabled. After noticing charges being declined, I called them up XXXX XXXX to inquire as to why, and immediately reported the XXXX ( not including fees ). That were stolen from my account. After responsibly, and honestly answering their questions, they denied my claim based on the fact that only I knew the PIN ( which could have easily been captured by a skimmer ), and that the withdrawal happened near the area which I work ( obviously, I am in the financial district ). Without notifying me, I only had XXXX appeal so I could prepare more evidence ( they demanded yes/no answers initially ), they denied my claim and refuse to reopen it. Santander does not protect their consumers as they claim to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Untimely Response

2016-06-27

Berkeley, NJ

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

2016-06-27

Boston, 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

2016-06-27

Newark, 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

2016-06-26

Brooklyn, NY

Delinquent 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

2016-06-23

East Windsor, NJ

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: Yes Timely Response

2016-06-22

Buffalo Mills, 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: No Timely Response

2016-06-21

East Rockaway, NY

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

Disputed: No Timely Response

2016-06-20

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 with explanation

Disputed: No Timely Response

2016-06-20

Colts Neck, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed 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

2016-06-18

Tallahassee, FL

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

2016-06-18

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016, I went to Santander bank branch located at the following address : XXXX XXXX XXXX, XXXX, MA XXXX, to open a Simply Right Checking account. I chose that branch because I work as a consultant at a company located close by. A gentleman named " XXXX '' helped me with the process, up to a stage when he had to get approval from another department over the phone. I left the branch since we did n't get an answer immediately. He called later that day, saying my application was denied and did not provide any explanation when I asked for the reason. On XXXX/XXXX/2016, I called Santander customer service to inquire about the reason for my application being declined, since I strongly felt that it was a discrimination due to my nationality ( XXXX ), and they wanted to avoid me as a customer to save themselves the headache of having to deal with a customer whose origin is a sanctioned country. This is despite the fact that I am legally working here in the US and have SSN and bank accounts at other banks. I was directed to talk to a lady named " XXXX XXXX '', who I believe was a customer service representative. She was extremely unhelpful when I explained I have complaint. She directed me to go to the branch, even though I explained the branch did not provide any explanation and instructed me to call customer service. After some discussion, she decided to try to open an account over the phone, but then again, she was impolite in the way she would talk to me, raising her voice when I challenged her answers. At some point in the application process, she asked weird questions that had nothing to do with my application, something like " What is the astrological month of your birth '' which apparently required knowledge of mapping calendar months to those months. I provided my date of birth but explained that I can not understand why I am required to have that kind of knowledge to be able to open an account. She simply said she can not help and I should choose one of the options, and obviously my application got rejected for that reason! I feel it was a case of discrimination against my nationality and I hope to get a clear answer for that. What bothers me that they are not willing to express the reason for declining my application, which I think is my right as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-06-18

Glendale, CO

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Transferring money out of my Santander checking account during a move because of a previous issue ( closing on my mortgage nearly fell through because of them ) I log into the account to see if all the money has been transferred out to close the account only to find out that pending transactions from XXXX and XXXX posted later without my knowledge, as well as {$170.00} in overdraft fees, one of them being a " sustained '' overdraft fee which I was unaware my account had even over drafted. Called customer support many times to attempt to have the fees removed. After hours of talking politely with different support, I was able to remove XXXX. I 'm still stuck with {$100.00} in overdraft fees for {$20.00} of purchases that I was unaware of.
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

2016-06-17

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: This is in regards to my Santander XXXX checking account. This account gives a {$10.00} bonus 2 times each month for a total of {$20.00} dollars. XXXX bonus ( {$10.00} ) is for having a direct deposit of at least {$1500.00} each month and the other bonus ( {$10.00} ) is for making a total of XXXX bill payments from the Santander website per month. I did not receive my bill pay bonus ( {$10.00} ) for XXXX separate months. Those months were XXXX of XXXX and XXXX of XXXX. During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$530.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$610.00} bill payment to XXXX Credit Card ( XXXX Card ) During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$480.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$14.00} bill payment to XXXX XXXX Credit Card ( XXXX XXXX Card ) I called Santander on XXXX XXXX. During this call a representative helped me open a case which was escalated and would be resolved in a week. I received a call on XXXX XXXX from Santander bank informing me my request had been denied and that I did not make XXXX bill payments from my account. I do not agree with this and the records on my account show that I did indeed make the required XXXX bill payments. I was not able to further escalate the case over the phone. I would like Santander to fix this issue and follow through with giving me the XXXX bonuses for {$10.00} each ( {$20.00} total ) as the account terms indicate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-06-15

Ipswich, MA

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

2016-06-15

Three Bridges, 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

Disputed: No Timely Response

2016-06-14

Garden City P, NY

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