SANTANDER BANK, NATIONAL ASSOCIATION

2019-05-09

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-06

Princeton, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal 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

Timely Response

2019-05-06

Worcester, MA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

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

Timely Response

2019-05-05

El Paso, AR

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: XX/XX/2019 I own a XXXX credit card, an XXXX credit card and had a personal loan with Santander. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( XXXX, XXXX and XXXX ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XXXX cycle dates. I have never experienced this situation with any other bank. VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting. Santander Bank clearly is not in compliance with these rules. I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the Santander cards and loan in full so my FICO, Vantage, and other scores will go up before completing the purchase. I have been waiting weeks for Santander to do its job and update my information correctly. I called Santander CSC on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XXXX for my dispute to be solved. Nobody from Santander was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by Santander the next cycle. Is unfortunate that Santander seems to discriminate the reporting time frame based on a good or bad status. Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that Santander Bank will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-03

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-03

Ridley Park, PA

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-02

Allentown, PA

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-01

Lynn, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-30

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-29

Ridley Park, PA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: In XXXX of XXXX Santander Bank froze my loans after I received two checks from fema. I then had to switch to a new bank and requested payoff statements from XXXX XXXX. She provided these with {$0.00} listed as the satisfaction fee. My new bank then paid off the amount using the new loans. Flash forward to XXXX, XX/XX/XXXX. I realize I never received a payoff statement during another round of fema. I tried to deal with this with Santander but they informed me I owed a satisfaction fee which they took out of my new bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-28

MA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: On my XXXX XXXX with Santander I had a ( disputed ) bill of {$110.00}. This amount was due XX/XX/XXXX. I paid this amount in full onXX/XX/2019 Santander reported me late forXX/XX/2019 and XX/XX/2019on XXXX and perhaps other credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-26

NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Property inspection fees. unverified Did not request any inspectors or met any inspectors in relation with this group Recent statement has 7 inspection fees {$14.00}. each, total {$98.00} for month of XX/XX/2019 prior issue with this mortgage service provider for {$160.00} of same issue. attached photos of account concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-25

Airmont, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-24

Phila, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-23

Queens, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: This bank is crazy they treat me horible over the phone when I call customer service they tell me not to call they dont believe it is me have me go to branch for everything and whats worst is now a nasty lady calls me from their fraud department telling me that shes closing my account and the bank has decided to end their relationship with me for no reason just for calling and they said its suspicious their crazy I hate this bank and I will report them and go to court and tell the judge how they treat me are abusibe on the phone towards me and are closing all my account for no reason my credit card which I applied at the branch recently its unfair when I have done nothing illegal and have maintanined my student checking in good standing they want to do this to me and for applications when I only have XXXX credir card I dont understand these people
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-22

Randolph, MA

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-18

Boston, MA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-04-18

Elwyn, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-18

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-18

Danbury, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I OPENED 2 SEPARATE CHECKING ACCOUNTS ( PERSONAL ) THE SAME DAY, BOTH WERE OPENED IN A VERY SHORT PERIOD OF TIME. I HAVE ALREADY CLOSED THE FIRST ONE IN LESS THAN A MONTH, THE BANK SCREWED UP. THE ONE I AM REPORTING NOW HIT A SNAG WHEN I COULD NOT DEPOSIT A CHECK. CALLED MANY TIMES FINALLY SPOKE WITH A GUY XXXX, WHO ACTUALLY SOUNDED LIKE HE KNEW WHAT HE WAS TALKING ABOUT, WELL VERSED TO SPEAK TO CUSTOMERS. THEN THE PROBLEMS, I COULD NOT DEPOSIT A CHECK. BACK AND FORTH, BACK AND FORTH WITH THESE CALL CENTERS, CONSTANTLY REPEATING MYSELF, BEING ESCALATED, ESCALATED, ESCALATED, TALKING TO BRICK WALLS, XXXX XXXX CALL CENTER EMPLOYEES. BACK TO XXXX AGAIN, WHO ILUDED THAT IT WAS MY DEVICE. XXXX, THIS DEVICE HAS BEEN AROUND FOR AT LEAST 2 YEARS OR MORE AND THESE BANKS, BEING INTERNATIONAL, ARE EQUIPPED TO WORK WITH MANY DIFFERENT DEVICES. I DO NOT BELIEVE THIS XXXX WITH SANTANDER BANK. THIS IS A BLATANT STALLING TACTIC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-17

N Providence, RI

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-17

New Brunswick, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-16

Saugus, MA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-12

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-11

Carver, MA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I am a victim of identity theft. I have tried on several occasions to dispute multiple charges on my Bank Account between XX/XX/2018 with Santander of charges that were not mine. I lost my Wallet and Personal Documents. My Information was used in a Fraudulent scheme. I Have Several transactions that I did not authorize on my bank statement and it has caused a hardship. Santander had denied my claims. I am providing the following documents as proof of claim. Affidavit of Forgery Signature Specimen Page Police Report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response