SANTANDER BANK, NATIONAL ASSOCIATION
Consumer Complaints
There are over 3283 complaints on file for SANTANDER BANK, NATIONAL ASSOCIATION. Dated between 2019-12-04 and 2011-12-15.
Complaints Page 9
2019-04-10
Newton, MA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
New Rochelle, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
Burlington, CT
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
MA
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: On XX/XX/19 I went to apply for a personal loan through Santander. My wife and daughter were present as well during this application process. The Santander representative XXXX XXXX XXXX. Specialist, Relationship Banker -NMLS XXXX proceeded to assist us with the application. We attempted to filed for a personal loan in order to consolidate debt from high interest credit cards as we start our business. This application was to be filed under my name under the guidance from XXXX that a {$15000.00} loan under my current financial circumstances as described to him would be a non-issue. He had the application submitted as an employee rather than an indipendent contractor under his auspices that it would go more smoothly under those terms and again the loan would be approved with my approximate credit score, lack of defaults, and prior credit history. His Lead team member then proceeded to do some form of secondary verification apparently by proceeding to ask questions about and speak about her new child and the parent/child relationship. The branch representatives not only inadequately explained the terms and potential conditions of the loan but were able to coerce a signature under false pretenses. The dates on the submittal paper work and our receipts are also entirely wrong the date on the submittal paper work says XX/XX/19 whereas the application was filled out on XX/XX/19, and it has a call back date of XXXX the application itself is wholly fraudulent in terms of dates and willful signatories. Upon a return email from XXXX XXXX of Santanders Consumer Loan Operations Department stating the loan was declined and they offered a counter conditional loan I called in to clarify what were necessary steps and/or wrong with the application. At this point I was forwarded to a manager XXXX XXXX to whom I explained that under the conditions of the conditional loan I was never amenable to begin with not would have signed under any of the pretenses given having found out they were false, XXXX proceeded to explain that XXXX was incapable of offering such assurances and that the loan should not have been offered under those terms. XXXX then proceeded to convince me that he would do what he could to get this loan through despite me explaining that I would not have signed and that my signature was falsely coerced and I did not wish to proceed with the loan. XXXX then proceeded to say they would have a resolution within 24 hours and return a call to me. Wednesday XXXX I received a call that lasted 34 minutes explaining the terms of the new conditional loan were remaining the same and that there was nothing they could do, despite me having already expressed my desire not to proceed with nor my origional willingness to sign an application for credit under the false terms presented to me. XXXX proceeded to assure me he would file an internal complaint on my behalf and email me a copy of the complaint to which as of XX/XX/19 upon calling in no complaint has been filed and the loan had finally been dropped. The entirety of the origional application was factually wrong in terms of dating with coerced signatures brought about by willfully misrepresented information if not criminal malfeasance. Copies of the forms and call logs are available upon request as well as recordings of the various phone interactions -both parties were made aware of the calls being recorded-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
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
2019-04-08
Fertility, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Newark, NJ
Managing an account
Checking or savings account: Checking account
Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Warwick, RI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Schuylkill Haven, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The Santander Bank has repeatedly lied over the years to me about their practices. I recently asked to remove my escrow as my payment increased almost {$100.00} for the first time in 24 years. I was told to wait to make the payment as they were going to stop the escrow and instead of paying {$670.00} the payment would be {$370.00}. They told me to send in {$95.00} to wipe the Escrow out. I had sent in the money and did not make the payment. I called on Friday, XX/XX/XXXX and was on the phone with collections and the escrow department, talked with at least 5 different people and was told 5 different stories. After hours on the phone and complete frustration, I got nowhere. I called again Monday, XX/XX/XXXX, and also got nowhere. I talked to 2 different Supervisors and got two different answers again. The took my financial records and told me that I would eligible for a repayment plan. She said the payment would be almost {$1200.00} a month for three months. I asked is that all you can do for me since this is your fault and she got snippy with me and said, go borrow the money from your friends or a loan company or a 401 K.At that point I was at the point of tears and I hung up. XXXX XX/XX/XXXX I got another letter from the bank telling me to send in another {$95.00} and they will wipe the escrow out. I am two payments behind now because in XXXX XXXX, the did the same thing and I have never caught up. They are horrible, no one knows what they are talking about and two letters telling me to send in money and they know it can't be done, please help, it's now affecting my husbands credit score. This is awful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Bloomfield, NJ
Closing on a mortgage
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
2019-04-04
Duxbury, MA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Hendersonville, TN
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
Brooklyn, NY
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
2019-04-03
East Pembroke, MA
Managing an account
Checking or savings account: Savings account
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-03
Camden, NJ
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
2019-04-02
Ancora, NJ
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
2019-03-29
Little Silver, NJ
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-29
Providence, RI
Problem when making payments
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
2019-03-28
Providence, RI
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: I have a credit card with XXXX XXXX. I made an online payment of XXXX dolars on XXXX, for some reason XXXX ran this payment from an old account with Santander Bank I havent had in years and keep a small balance. the payment ran causing my account to over draw and incuring a fee of XXXX dolars to be charged. THEN to compound the issue Santander rejects the payment and for some reason XXXX kept re running the ACH every day up until I caught it today XXXX. No one from XXXX or Santander once contacted me just kept playing this game of rejecting and rerunning the ACH and causing my account to be now XXXX and the payment to XXXX never being processed. So to recap payment to XXXX was never made and I was charged 4 separate over draw fees for one transaction. I have contact both parties to resolve this and got zero help. Had XXXX or Santander simply mailed me a letter, emailed me, called me or even texted me about this issue it would of been resolved 2 weeks ago. But there is no profit of excessive over draft fees for 1 transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-28
Carver, MA
Problem with a credit reporting company's investigation into an existing problem
Payday loan, title loan, or personal loan: Personal line of credit
Problem with personal statement of dispute
Complaint: Ive been disputing a late payment that I paid with Santander bank, they told me at first it was a teller error and they now have me down for a 30 day late thats effecting my credit. They say there going to call me and they dont, ive had them hang up on me, tell me there is no one else I can speak to in a higher position. Now as a result of this my credit has taken been dropped significantly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
Billerica, MA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I went to Santander Bank At XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2019 at XXXX XXXX to deposit {$160.00} that I had in change. {$140.00} of it was rolled plus I had a dollar coin the rest was loose quarters pennies nickels and dimes but not enough to make a complete rolls I was told that they wouldnt take any of the change because it wasnt rolled even though there wasnt enough to make a roll I told him I find it hard to believe that the bank wont except the money and they told me it was just their policy they did however decide to take just the quarters in the dollar coin making my deposit {$150.00} but wouldnt Except the other {$5.00} and loose change I am really mad that my own personal bank would not take my money as I needed the money to be deposited because I am low on funds they told me it was their policy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-26
IN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: For over 11 years Santander bank has received an automatic payment from my checking account for the amount to cover my mortgage. The money has always been there and was there in XXXX of 2018 when Santander bank stopped accepting the automatic payment. After a few months of the mortgage payments accumulating in my checking account, I realized from the high balance that there must be a problem. I called Santander bank and explained that this payment had come out for the last 11 years but that apparently it hadn't recently and that I needed to get them paid and get that payment set back up again. At this time I was informed that my home was already in foreclosure and then I would need to submit a formal request for reinstatement and get the associated reinstatement fees paid so that we could move forward. I did exactly that.
The next communication I received from Santander bank was a mortgage statement which included a reinstatement amount as well as detailed instructions as to how the funds must be sent and where they should be sent.
Within a couple of days of receiving this statement, I went and got certified funds equaling the amount requested on the statement from Santander and mailed it as directed.
About 3 weeks later I received the letter from Santander stating they head received my payment and were returning the funds for 2 reasons : 1 ) the amount was not sufficient to cover all expenses associated with the debt 2 ) personal checks are not accepted.
However, no funds accompanied the letter.
Since the funds I had sent weren't included, and since I knew for sure I had sent certified funds, not a personal check, and had just received the reinstatement amount from Santander themselves, I called to inquire.
I spoke with XXXX in the mortgage disposition department and was told that the amounts on the Santander statements weren't actually correct and that for reinstatement I needed a reinstatement amount that came directly from their attorneys, XXXX XXXX. He asked that I again submit a written letter requesting the reinstatement amounts and assured me that he personally would see to it that once my request was received it would be quickly answered with the proper reinstatement letter.
Then, about a week later, I received the reinstatement letter from XXXX XXXX. The amount due listed on this this reinstatement letter was indeed higher. The this point, I called back to XXXX in Santander 's mortgage disposition department. XXXX told me he was able to hang on to my first check and that it would be acceptable for me to send an additional payment equal to the amount of the difference and that by doing so, as promised in the reinstatement letter from XXXX XXXX, my loan would be reinstated. So, I went back to my local bank, got a cashier 's check to meet the certified funds requirement and mailed it as directed by both XXXX XXXX and XXXX in mortgage disposition.
A couple of weeks later I get receive the letter from Santander stating that they did received my payment but were returning the funds and proceeding with foreclosure for 2 reasons : 1 ) the funds were not enough to cover the debt 2 ) personal checks are not accepted.
Since receiving that letter I have been in contact with both Santander and XXXX XXXX on over a dozen occasions. Neither can tell me where these funds are at this point or why they aren't honoring the reinstatement amounts they have sent me. At this point, after working on this rather constantly for the last 3 months, my home is scheduled for sale on XX/XX/XXXX of this year.
For the last 2 days I have worked wirelessly to find someone to represent me in this matter. I have followed my lender and my lenders attorneys instructions to the tea and they continue to tell me to hang in there and they'll get this worked out. However, with little over 3 weeks until the scheduled sheriff sale, I'm in absolute panic mode. Any information that might be able to help me save my home would be very much appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-22
Key Biscayne, FL
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
2019-03-21
Brooklyn, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX T:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX Fax : XXXXXX/XX/XXXX COMPLAINT BY DECLARATION RECEIPIENTS : NEW YORK STATE DEPARTMENT OF CONSUMER AFFAIRS ; SANTANDER BANK N.A. XXXX XXXX XXXX XXXX, PA XXXX ATTENTION NEW YORK STATE ATTORNEY GENERAL, XX/XX/XXXX SANTANDERS BANK N.A. was notified for UNAUTHORIZED USE of my debit card transactions by an unknown person ( s ) using an ALIAS XXXX account. Under article 15 U.S.C Sect. 1602 ( 0 ). Objections were made ; significant evidence was produced and entertained by the authorized Bank Managers, located XXXX XXXX XXXX XXXX, NY XXXX as instructed by the Bank Investigative authorities. I, Mr. XXXX XXXX derived no benefits from these transactions, nor do Mr. XXXX XXXX hold or ever has owned a XXXX ACCOUNT.
Attached are the exhibits disclosing fraudulent activity SANTANDERS BANK refused to acknowledge and complete a full investigation. SANTANDERS unfairly placed derogatory credit reports on my SOCIAL SECURITY number thereby obstructing my CIVIL RIGHTS to obtain another Bank account from a more reputable banking provider.
SANTANDERS never authenticated any of these transactions before or after the accounts were initiated.
Fraud minimization was never implemented ; allowing electronic funds transfer without notifying their client of irregular activities on the account.
The Bank refused to review the 100 of pages of evidence submitted as proof fraud, signed affidavits, and multiple written reports.
Exhibit II : Second complaint is incorporated and attached stating the unauthorized theft of monies from the account by Attorney XXXX XXXX, Esq.
Always faithful, Mr. XXXX XXXX, VETERAN XXXX Enclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation