SANTANDER BANK, NATIONAL ASSOCIATION

2015-04-22

Windsor Castle, PA

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-22

Boston, MA

Wrong amount charged or received

Money transfers: International money transfer

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-21

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: 1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-20

Great Notch, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company chooses not to provide a public response Closed

Disputed: Yes Timely Response

2015-04-15

New Britain, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-15

Philadelphia, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-13

Warren, RI

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-13

Milpitas, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed

Disputed: Yes Timely Response

2015-04-11

RI

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX, 2014 I noticed a fraudulent charge of {$490.00}, on my Santander bank statement, was made using my debit card. I immediately called Santander in regards to the charge. I was told that the charge had not yet processed so nothing could be done because the charge could potentially fall off rather than be processed. However, I had a new debit card issued in the meantime. On XXXX XXXX, 2014 the fraudulent charge was in fact processed. The charge was made to an unknown person in XXXX. I was in XXXX for my wedding and honeymoon from XXXX XXXX, 2014 to XXXX XXXX, 2014. Prior to my trip to XXXX I had notified Santander of my travel dates and since then I have confirmed with Santander that this is in fact on file. Additonally, I made a debit card purchase in XXXX on XXXX XXXX, 2014, which is evident within my back statement as well as the on the physical receipt I have for that purchase. Upon my return from XXXX, I called Santander to open a fraud claim. Within a week I was issued a charge back for the {$490.00} and a few weeks following that the charge back was debited from my account. I also received a letter stating that my claim had been denied. I then called Santander to request the documentation used in the claim investigation. It was at this time that I was also asked if I wanted to reopen the claim. I agreed to reopen the claim as I assumed that some piece of information was just overlooked. I was told that the claim results and the documentation would take approximately ten business days, however due to the holiday season and the countless days of in-climate weather that affected postal service, I waited nearly a month before contacting Santander once again. As it turns out, there was no record of my request for the documents or the reopening of my claim. So I placed the same requests for a second time. In approximately two weeks I received the documentation and another letter notifying me of the denied claim. Upon reviewing the documentation I came across contact information for the merchant who received my {$490.00}. The customer service number provided was disconnected, the email address was non-existent, and the merchant could not be located through any internet searching means. Also in the documentation was information showing the debit card authorization through a XXXX terminal that is listed as a " person to person '' transaction. I proceeded to call XXXX for more information regarding this. XXXX explained that the transaction was in fact " person to person '' meaning that the authorizing party would have to present the debit card to the merchant. The XXXX terminal used is not an online account, it is physical credit card terminal. Due to privacy policies, XXXX could not give me any further information regarding the merchant. I then relayed this information to Santander explaining that based on the " person to person '' transaction, I could not have physically been in XXXX when I was very clearly in XXXX on XXXX XXXX. I also explained that I had n't been able to contact the merchant himself as all of the information provided appears to be fake. Santander told me that nothing more could be done because they do not reopen a claim after it has been investigated XXXX. I then requested that the claim investigator contact me regarding this information. I have made this same request XXXX times now and have yet to receive any response. In the past month I have contacted a detective from my local police department to help me find more information. His calls to XXXX and Santander have left him with the same information that I have and no evidence that the merchant is truly a merchant. He has advised me to continue pressing Santander to reopen my claim. I have attempted to do so, however I am continually given the same answer that the will not reopen it for a XXXX time.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-10

Quakertown, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-10

N San Juan, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-09

Maynard, MA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-08

Wilmington, DE

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed

Disputed: Yes Timely Response

2015-04-06

Staten Island, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I was contemplating cashing in some US Savings Bonds. Went into my local Santander Branch in XXXX XXXX and the manager went on line, pulled the values and I then selected several bonds to redeem based on the info presented. I redeemed XXXX bonds out of XXXX for {$1700.00}. The amount was put into my account and all was fine. 1 week later i received a call from the manager that there was an " website system error '' and that the bonds were only worth {$750.00}. Before I could get there, they went into my account and took back the difference. I asked for my bonds back and was told your out of luck. When i showed the Santander printouts to my tax person he confirmed that there was no website error, the XXXX pulled the wrong screen. The values she pulled were for final maturities not current value. Based on this I am out 4 % bonds and the majority of the money was taken back. Santander has been bouncing me around different people with no resolve. Everyone makes a mistake, they need to admit the managers error and take responsibility. I have gotten responses ranging from " your out of luck '' to " You should have done more homework.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-06

Belmar, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2015-04-06

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-03

Audubon, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-03

Fort Pierce, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I would like to file a formal complaint about the owner and original holder of my mortgage loan, XXXX Bank, as well as the company that took over when XXXX failed and now is handling my loan, Santander. I have been lied to, deceived and given the runaround by this bank and they turned a bad situation that was manageable into a mess. Instead of working with me to resolve this they have tried to set an auction date for my home. I ca n't believe it has gotten to this point. I have tried to resolve this, but ca n't seem to get anyone to take me seriously or treat me fairly. I bought my home XX/XX/XXXX. XX/XX/XXXX this area was hit hard by hurricane. I had significant damage to my home. I went round and round with the insurance company and could not get them to sign off on the repairs. So I refinanced into a predatory adjustable rate loan with an interest rate that could only adjust up. I needed the money to get the repairs done on the house -- -I was not able to get any type of settlement out of the insurance company for over a year. To make matters worse after I had started on the repairs I got hit by ANOTHER hurricane. Power was out for almost three weeks, and more out of pocket money was required to get the house back in to livable condition. I was able to make my high mortgage payment but once the recession hit the plan of refinancing out of this loan was gone. As a XXXX I was concerned, but was assigned to a long term job so had some security. However when that job ended I tried to bid for new jobs and it was brutal. I bid on XXXX jobs in a row and lost the bid on each of them. I got nothing for nearly a year and all of my reserves were liquidated. In order to stay relevant and employed I had to start bidding lower on jobs. On more than one occasion I actually lost money on the job. I also had some customers who stiffed me after I completed work on their home. They knew my situation and assumed I could not afford to hire an Attorney to sue them. I was in tough financial shape. When I was not working and bleeding my reserves I was told by the agents at XXXX Bank that they would absolutely not consider helping me unless I was XXXX months delinquent on my loan. I tried calling in on more than XXXX occasion and all representatives parroted this talking point. Of course, I was not able to keep making the payment anyway and I fell behind on the loan. I called XXXX again when I was one month behind and they told me once again, we ca n't work with you or speak to you about modification until you are three months behind. After I was XXXX months behind I called in to find out how I could apply for assistance. The agent at XXXX then told me that they could not talk to me about a modification because I was late on my mortgage! ARE YOU KIDDING ME???? This was total deception and fraud by XXXX Bank, the company that wrote this loan and the owner of this loan. Santander, by proxy is in charge of not only the asset of this loan, but also the liability that goes along with it, which is significant. There is a reason this bank failed, they are bald faced liars who engage in unethical business practices. I tried over and over to make some headway with Sovereign and could not get anything done. I hired an Attorney and still ran into resistance. Since the loan has gone to Santander I have completed the paperwork for modification on numerous occasions but continue to run into resistance. Documents always seem to be lost or misplaced. The relationship manager has been nice, but is impossible to reach. And no real review for options has ever been conducted. Instead Santander is trying to auction my home without even giving me a chance. I deserve a seat at the negotiating table, this is not right or fair or legal.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-03

Philadelphia, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-03

Lower Makefield, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-02

Palmerton, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-03-31

Belleville, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-31

Florida, NY

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-30

Rahway, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-03-30

Boston, MA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since
Company Response: Closed

Disputed: No Timely Response