SANTANDER BANK, NATIONAL ASSOCIATION

2016-03-22

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2016-03-22

San Jacinto, CA

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

2016-03-21

Spfld, MA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2016-03-20

Carver, MA

Advertising and marketing

Credit card:

Complaint: Santander Bank, NA had advertised a promotion on mass media for its XXXX credit card sometime in XX/XX/XXXX - XXXX XX/XX/XXXX time period. The promotion stated that if a XXXX customer charged {$1000.00} or more each month for XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX the customer 's XXXX account will be awarded XXXX bonus reward points. I am a XXXX card holder and I liked the promotion offered so I decided to participate. For each of the XXXX months I charged expenses totaling {$1000.00} or more to my XXXX card. To make sure I had qualified for each of the three months I called Customer Service at Santander Bank after I received my billing statement and during each call the CSR ( Customer Service Representative ) assured me I had met the promotional requirement. However, when I did n't receive the XXXX bonus reward points I called CSR at Santander toward the end of XXXX XXXX to inquire as to the status. After several calls Santander Bank informed me that I had not met the requirement XX/XX/XXXX. My billing statement for XX/XX/XXXX did clearly show that I had over {$1000.00} in new charges. A Rewards Department representative then explained that the promotion required charges during the calendar month and not the billing month. This deceiving explanation totally surprised me and I strongly disagree with it because there is no easy way for the customer to figure out total amount charged during a calendar month. That is because a customer may execute a transaction within a certain month but if does n't get posted until the following month the bank may not consider it as having occurred in the month that it actually took place. This situation makes it almost impossible for a customer to make sure transactions are posted within a given month. For that the customer depends on the billing statement, which in my case has usually ended on the XXXX or XXXX of the month. For the reasons stated above I firmly believe that Santander Bank is exhibiting unfair consumer practice and CFPB needs to intervene on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-03-18

Providence, RI

Lost or stolen check

Other financial service: Refund anticipation check

Complaint: Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail.
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

2016-03-16

Brooklyn, NY

Deposits and withdrawals

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

2016-03-16

Dix Hills, NY

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 with explanation

Disputed: No Timely Response

2016-03-15

Town Center, NJ

Loan modification,collection,foreclosure

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: No Timely Response

2016-03-15

Brooklyn, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I went to the bank XXXX/XXXX/2016 and asked why my debit card is blocked. Representative took my debit card information and said that I took XXXX dolars from ATM and my account is overdraft. I said that I did n't do it and XXXX XXXX helped me file a claim about fradulent activity on my checking account by phone I was talking with person from Card Claims Team ( XXXX, MA ) who said that the fraud was exactly from my card in the Santander ATM in the XXXX, New York on XXXX/XXXX/2016. I did n't leave my room XXXX/XXXX/2016 because I had a flu, so I was in the XXXX XXXX, XXXX. Santander Bank refunded XXXX dollars to my account plus they refunded overdraft fees which they charged me. I thought that everything is okay now, so I did n't go to the police with it in the XXXX. In the end of the XXXX I got the letter that bank denied my claim and want me to paid XXXX dollars plus fees. I called them in emotions and explained that I did n't took the money. I believed that they will take care of it. XXXX/XXXX/2016 Santander Bank, XXXX MA charged me XXXX dollars and I got the letter that my account is charged. By the phone bank worker from Card Claims Team said that I had the card which was a crime and suggest that I gave my card or PIN number to somebody. I went to the bank and XXXX XXXX said that he ca n't help me, because decision against me was made in the XXXX, MA and the only way is the case in the court. He also said that it will cost me a lot of money for attorney. I felt bad after it because I am not rich as a Santander Bank, but I just wan na justice as a customer. I also heard from XXXX XXXX that I am not the only person who has money missing from the account in the Santander Bank, New York. I went to the police and they said that at the moment I should have a case against the bank in the court, because they ca n't make it report after bank investigestion. Every few days bank charged me extra XXXX dollars fee. My account is overdraft. I got the information that I have 35 days to pay everything or they will close my account and I will have bad credit score. From the beginning of this situation I felt discriminated because of my immigration status by the bank workers. They have a lot of my informations and they asked me about my passport information by the phone. I am a victim of XXXX so I will regulate my XXXX in a diffrent way. I felt totally bad because of my hard life situation and Santander bank make it even worse. I swear on the Holy Bible that I did n't took XXXX dollars from the Santander ATM and I did n't give my PIN number or credit card to anybody. Please help me.
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

2016-03-14

Maynard, 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: Yes Timely Response

2016-03-11

Newton, MA

Application, originator, mortgage broker

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

2016-03-11

Staten Island, NY

Making/receiving payments, sending money

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

2016-03-11

Boston, MA

Loan modification,collection,foreclosure

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 with explanation

Disputed: Yes Timely Response

2016-03-10

WA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Before leaving for an extended stay in another country, I contacted Santander Bank to let them know that I would be in a certain city for 9 weeks and wanted to make sure that there would be no problem using my debit card at the Santander ATM in the city I would be staying in. They noted this on my account and assured me that there would be no problem. In XXXX 2016 ( mid-way through my stay ), Santander made a decision to de-activate my debit card as a new one, with a new chip, had been sent to my home and had been activated by the bank. I received no notice that the card I had with me would be de-activated. So, basically, Santander Bank is holding my funds hostage while I am in another country, unable to get the card that is sitting in a pile of mail at home. I have spoken with numerous representatives trying to get help and the answers have been the same ... so sorry ... .nothing we can do ... .the new cards were machine generated ... .the card you have with you can not be reactivated ( exp. date XX/XX/XXXX ) etc. I am trying to figure out a way to get cash. I can not believe that Santander activated a new card and deactivated the card I currently have with no notice or input from me. I thought it was up to the consumer to activate a new card. The fact that Santander is unwilling to even try to help me is unacceptable. I am sure that I am not the only consumer who has been left stranded without access to their funds while out of the country. How could this possible be legal???? Of course, I am closing my accounts with Santander upon my return home but I think more needs to be done to address this completely irresponsible decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-03-09

Jersey City, NJ

Account opening, closing, or management

Bank account or service: Cashing a check without an 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

2016-03-09

Billerica, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund.
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

2016-03-07

Warren, RI

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

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

2016-03-07

Three Bridges, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Santander Bank did not credit my checking account the {$150.00} bonus, and is unwilling to tell me the timeframe it will take them to credit the funds to my account. This is a direct violation of the account agreement that was set up when I created the account with the {$150.00} promotion code. I fulfilled the full terms of the offer by making a Direct Deposit of {$500.00} into the account and keeping it in good order for 90 days. I am deeply troubled that Santander 's customer service was unwilling to give me a specific date that the bonus would be credited, and that I now have to present this to them via the CFPB. This should n't have to happen.
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

2016-03-05

Peabody, 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

2016-03-04

DE

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-03-04

Brook Park, PA

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

2016-03-03

Clayton, MO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared, nor could she confirm that at the moment I would call in in the next few days that it would be closed. Horrible customer service. They provide no option to close the account via secure message either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-02-29

Cherry Brook, 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 monetary relief

Disputed: No Timely Response

2016-02-29

East Milton, MA

Taking out 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 with non-monetary relief

Disputed: No Timely Response

2016-02-29

Derry, NH

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response