SANTANDER CONSUMER USA HOLDINGS INC

2019-09-23

NE

Incorrect information on your report

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

Account status incorrect
Complaint: It has been brought to my attention that there are multiple XXXX days+ late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Company Response: Closed with explanation

Timely Response

2019-09-23

Rochester, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have set up payment arrangements twice via phone. Neither time has it been corrected on my account. XXXX I got on chat and was told in order to make payment arrangements, I'd have to call so I called. I asked if my current amount due could be put on the end of the loan, as I'd done once before, and payments resume in XXXX. I was told yes - and to call back at the beginning of XXXX to confirm I'd be making XXXX 's payment. I asked for email confirmation and never received it. XXXX XXXX XXXX XXXX ET I spoke with XXXX and the agreement she made with me is as follows : {$260.00} by XXXX of XXXX will bring me current with balance of {$28.00} and {$290.00} due XX/XX/XXXX will bring me up to date with remaining past due balance transferring to the end of loan. I paid the {$260.00} on XX/XX/XXXX and still none of the confirmations I requested, nor the correction of my account. XXXX MESSAGE I SENT TO SANTANDER - " I called in XXXX and again in XXXX and spoke with representatives that ASSURRED me that my request to put the next two payments on the end of my loan so I could get caught up due to divorce was approved. So far that has not happened. I've paid what I can but it still shows past due. Now I will be able to resume payment in XXXX but I need the {$720.00} balance to NOT be overdue and put on end. DON'T TELL ME TO CALL BECAUSE I KEEP DOING THAT. I WANT THE AGREEMENT IN WRITING! '' Today, XX/XX/2019, I check and now the past due amount is {$1000.00}. I contacted them via chat because I am getting nothing in writing ONLY verbal and when it doesn't get done, my account is being affected - AND AGAIN THEY SAY CALL but all my efforts are going unattended.
Company Response: Closed with explanation

Timely Response

2019-09-23

FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: Starting XX/XX/XXXX, I signed on for a 72-month used car loan with Santander consumer USA. The original principal amount was around {$13000.00}. As of XXXX, with a monthly payment of {$310.00} I have paid just under {$23000.00}. So far Santander has made around 66 % interest on the original amount financed. The problem is that they will not release my title because they say I still owe {$9400.00} approximately! I am appalled and I feel cheated and I feel like this is a crime! I've called them several times to get this resolved and explain that if I paid this amount they will have me 135 % profit from the auto loan. They refused to lower the amount only saying that I didn't understand how simple interest works. Unfair credit practice? And to add insult to injury, my car was repossessed on XX/XX/XXXX while I was 70 miles away from home. Now I have no way to get to work either!
Company Response: Closed with explanation

Timely Response

2019-09-23

PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.
Company Response: Closed with explanation

Timely Response

2019-09-23

Hinkley, CA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: Santander USA - Vehicle was repossessed in XX/XX/XXXX. They reported it as a charge off XX/XX/XXXX. Santander has reported Failure to Pay monthly since repossession. When they first repossessed it, they updated the balance to reflect what was owed after they auctioned off my vehicle ( around {$6000.00} ). But since have increased the balance to what was owed on the original loan ( {$11000.00} ). They report a failure to pay monthly, causing my credit to continuously take a hit.
Company Response: Closed with explanation

Timely Response

2019-09-23

Miami, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-22

Quartzsite, AZ

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX or XXXX. I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Company Response: Closed with explanation

Timely Response

2019-09-21

WA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: I am submitting proof evidence of XXXX orders and XXXX XXXX enlistment for XXXX XXXX. Santander illegally took my XXXX XXXX without court order. On XX/XX/XXXX while I was preparing for XXXX Santander took my XXXX XXXX without proper documents and never offer me assistance. I am sending you a copy so of my paperworks for you to review.
Company Response: Closed with explanation

Timely Response

2019-09-21

South Florida, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I owe about XXXX on this car that I verbally told take due to I was having several cat problems and issues that I felt I should not be paying monthly for a used car thats having so much trouble. SANTANDER consumer has taking this car for over 7 years now. They are lingering and haunting my credit like they dont have a life breath to just not get off my credit. I dont letters but I get phone calls from XXXX XXXX which they are the ones working with them. I think this is fraudulent information that should of been removed if there is no communication from this company. I am going to get lawyer cause there are lots of people with this same issues with SANTANDER better known as XXXX XXXX. They are high robbery and scammers. They want to stay on your credit report for life not 7 years. I want this company REMOVED or I will settle this in court. I dont even have an account number or loan information no more. I am sick of it. By law it should be removed if no communication whatsoever from this company.
Company Response: Closed with explanation

Timely Response

2019-09-20

Louisville, KY

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: After doing several disputes with XXXX, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Santander Consumer. All three failed to do an investigation before reporting false information. Santander Consumer failed to respond several letters
Company Response: Closed with explanation

Timely Response

2019-09-20

Forrest City, AR

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: You also agree to allow SC to request a refund of any credit insurance, life insurance, GAP coverage and/or service/warranty contract ( s ) that were financedunder your contract or loan and apply any and all refunds to the remaining balance dueon your account after the payment made by you of the Settlement Amount. Payment of the Settlement Amount must be received by one of the acceptable methods of payment set forth above and by. The settlement may have tax implications. Please consult a tax advisor to determine the impact on your specific tax situation.If you have any questions, please contact the Loss Recovery Department at XXXX. Our Customer Service Business Hours are as follows : Monday through Friday XXXX XXXX, Saturday XXXX XXXX.Sincerely, Santander Consumer USA XXXX.Loss Recovery DepartmentXX/XX/2019
Company Response: Closed with explanation

Timely Response

2019-09-20

Ft Myers, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with explanation

Timely Response

2019-09-19

PA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: SANTANDER AUTO is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Company Response: Closed with explanation

Timely Response

2019-09-19

Lithonia, GA

Struggling to pay your loan

Vehicle loan or lease: Lease

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-09-19

Brant Lake, NY

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-19

Bear, DE

Getting a loan or lease

Vehicle loan or lease: Lease

High-pressure sales tactics
Company Response: Closed with explanation

Timely Response

2019-09-18

Lewisville, TX

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/XXXX of XXXX I purchased my first car at XXXX years old. I had been saving up for quite a while because no dealership would sell me a car with a small down payment due to my age and lack of credit history. I inquired XXXX XXXX located in XXXX, TX on a XXXX XXXX XXXX which had over 63,000 miles priced at $ XXXX {$15000.00}. I brought {$10000.00} CASH. Being naive, I signed a loan with Santander Consumer which only listed {$2000.00} down. I did not realize this until I tried to get the payoff information for the car, thinking I only owed {$4000.00}. My credit score has been completely ruined for one late payment and I am {$30000.00} in debt including the 22.9 % interest I get charged at XXXX years old for a car I should owe less than 5 thousand on. I am highly frustrated with the situation because they took advantage of me and when I tried to resolve the issue, I was ignored. The dealership is being shut down because of fraud and title problems. I tried to get a lawyer but the cost would be more or the same as what is owed on the car. I do not know what to do at this point. The thing that upsets me the most is my credit score.
Company Response: Closed with explanation

Timely Response

2019-09-18

New Port Richey, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-09-18

Bellaire, TX

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: Santander is reporting a { {$21000.00} } debt on my credit report. This debt is Santander 's tactic to defraud the United States IRS. I requested validation of debt over 3 times with the latest being less than 2 months ago via certified mail. I NEVER received any type of correspondence to even validate the fraudulent amount nor verify the debt. They have violated many FDCPA rights. Santander has use my personal information to receive a tax write off for a fraudulent debt. Santander has reported payment history that can not be verified also.
Company Response: Closed with explanation

Timely Response

2019-09-18

Venice, FL

Incorrect information on your report

Vehicle loan or lease: Title loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-09-18

City View Heights, OH

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem when attempting to purchase vehicle at the end of the lease
Company Response: Closed with explanation

Timely Response

2019-09-18

Stkn, CA

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Complaint: Santander Consumer USA has been withdrawing funds totaling {$3600.00} from my savings account since XX/XX/XXXX for a loan I have no connection to. The loan number is : XXXX. This was brought to my attention Friday, XX/XX/XXXX. I immediately contacted my bank, XXXX XXXX. My personal banker moved my funds and alerted XXXX XXXX fraud department. She also contacted Santander and explained the error, to which the representative said there was nothing he could do. The most I was offered was to escalate the problem to the Executive Complaints Department ''. Today an individual finally returned my call and again told me this is my banks problem! Repeatedly Santander tells me that maybe I am part of this fraud, and that many accounts are paid by a third-party. I completely understand why they can not release customer information, but I do not understand why they do not investigate the issue and try and contact the person on the loan to verify if they know me or why their payments are coming out of my account. I am also sending an email to the CEO, XXXX XXXX ( XXXX ) sharing with him that I am filing a complaint with the FTC.
Company Response: Closed with explanation

Timely Response

2019-09-17

Dublin, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: During XX/XX/2019, I had my XXXX XXXX XXXX sent to the repair shop, it had common engine cooling issue. I stated this to my bank, ( Santander Consumer USA ), they agreed to lower my payment and work with me, Later on I also got laid off from my previous job, I do have a new job now as of XX/XX/2019. I did not receive any notice to cure or warning. Without my knowledge my car was repossessed XX/XX/2019, early morning, took my personal items, without a courteous warning. They agreed to work with me, if I make a XXXX payment which I did, then completely deny that. I told them it is still having mechanical issues and I also have invoices from the dealer part store and my repair shop. Santander Consumer USA XXXX XXXX, Texas
Company Response: Closed with explanation

Timely Response

2019-09-17

GA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-09-16

VA

Incorrect information on your report

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

Account information incorrect
Complaint: Santander Consumer repossessed our vehicle voluntarily in 2005. Santander got the vehicle but still maintains we own money ( {$13000.00} ) on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.
Company Response: Closed with explanation

Timely Response