SANTANDER CONSUMER USA HOLDINGS INC

2019-09-16

Grosse Ile, MI

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: Chrysler Capital restricts payments to {$2000.00} or less per day on their online system. This prevents consumers from paying off their loan.
Company Response: Closed with explanation

Timely Response

2019-09-16

Stewart, AL

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with signing the paperwork
Company Response: Closed with explanation

Timely Response

2019-09-16

Fort Worth, TX

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: This company is not updating my on my auto loan showing my principal is decreasing which in prohibited by FCRA the information theyre reporting is not my true balance. My true balance is XXXX as XX/XX/2019 and my credit bureau report is reporting XXXX which that was my loan balance way back XX/XX/2019. This company is neglecting to report true and accurate updates to my report which is unethical and prohibited by law. When I called they told me that they update monthly but no remedy has been giving to resolve my complaint
Company Response: Closed with explanation

Timely Response

2019-09-16

Poteet, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-09-15

Stewart, AL

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-14

OK

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Complaint: My issue is with Chrysler Capital. A little over a year go I needed to purchase a vehicle so that way I could work. At the XXXX XXXX XXXX there was a really nice 2018 XXXX limited edition truck that I was interested in getting so my boyfriend at the time talked to them about it and I filled out the credit application and they called back and told him that we would be able to do it and that the interest rate would be 7 %. So we headed down there to talk about it some more, they seemed very rushed to get me to sign the papers, honestly they were really pushy about the whole thing. So I signed the papers and we left, because they were rushing it and being so pushy about me buy this truck I didnt go over the paperwork in the Dealership, and this was my first time buying a vehicle so I didnt really know what I was doing and they took advantage of that. I was looking over the paperwork when I got home and noticed the interest rate wasnt 7 % like they had told me it was but it was instead 16.28 % and its financed through Chrysler Capital. After I found out how much the interest was we called the dealership and told them we wanted to bring the truck back because I didnt agree to that but they wouldnt take it back. {$41000.00} was they amount financed through them and after i will end up paying {$65000.00} for this vehicle. I have tried to talk to Chrysler Capital about this and they just told me I had to take it up with the dealership. My payments are {$870.00} a month and I can not afford that. I really struggle with making that payment and I have told them that and when I end up being late they call me sometimes 8 times a day and when I do answer and try to tell them whats going on sometimes they have been pretty rude to me about it. It honestly feels like harassment. I lost my job and it took me a couple months to find another one that paid decent then I got kicked out of my house and I had to find a new one so now I have rent and bills and have to buy food and I really struggle with this, its either pay the payment or be homeless and starve and if I pay the payment then I dont have enough money for food or my house and I will be homeless and starve. I have told them this and they wont do anything to help me. If I lose this vehicle then I wont be able to make it to work, its just be all on my own and I think that they have really pretty much screwed me over. I think that the reason they made the interest rate so high is because they were the only ones that agreed to finance my vehicle and they knew that so they knew I didnt have any other option. They did give me one extension for the two months I didnt have a good paying job but that didnt give me any time to be able to catch back up. The stress this has put me under hasnt been good for my health.
Company Response: Closed with explanation

Timely Response

2019-09-14

Thousand Oaks, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

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

Timely Response

2019-09-14

Adelanto, CA

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
Company Response: Closed with explanation

Timely Response

2019-09-13

Clifton Park, NY

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-09-13

Flor, MO

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-09-13

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Company Response: Closed with explanation

Timely Response

2019-09-13

Rochester, OH

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: The vehicle in question with this lien holder was involved in a hit and run accident by a stolen dump truck ( see linkXXXX XXXX XXXX ). My insurance company investigated and screwed around for almost 4 months ( 3.2 months ). The claim was settled with XXXX XXXX on XX/XX/2019 - they have screwed around and didn't issue payment for the vehicle until yesterday XX/XX/2019 - Santander whom I called a half a dozen times prior to this, even made a {$50.00} good will payment so SOMETHING had been paid, ( which they never reported or credited ) and charged off the account on XX/XX/2019 when they clearly KNEW it had been a total loss in early XXXX! They also kept me from making payments online via debit/credit for months and when I would call and try and make a payment just so SOMETHING would be paid, they kept giving me the runaround of " dept is closed '' and they won't be open until XXXX tomorrow nonsense. So when I see the account is charged off on my credit report NOW they tell me that if i would've made payments they would've reimbursed me? something I've never heard of, why would they reimburse me when I would still have to file a claim with the GAP coverage to cover the balance of the loan. I call XXXX, I have attached, not only the statement from the bank I made the {$50.00} payment from but also the entire phone conversation with them stating everything that they said plus they said I should've been told that the first time I called and nobody would inform me of anything.
Company Response: Closed with explanation

Timely Response

2019-09-13

AL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-12

FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I started my vehicle loan in XX/XX/XXXX with Santander Consumer USA. I endured a hardship with my job in XX/XX/XXXX through XX/XX/XXXX. I received letters in the mail from Santander from XX/XX/XXXX through XX/XX/XXXX about the assistance program offered with my loan. I called and many times I was told the program was unheard of or there wasnt one that existed. I finally was able to reach someone who can set me up with assistance. From XX/XX/XXXX until XX/XX/XXXX I was told I would be on a payment plan and as long as I paid the amounts requested it wouldnt effect my credit. XX/XX/XXXX I received a call saying I was 60 days past due and my car had been picked up and was pending repossion. I was given the option to pay and receive the car back or voluntarily sign it over. After doing so I was told I would receive notice of the sale and balance. The car was sold and the incorrect balance and account status was placed on my credit. I contacted Santander many times and this situation was never rectified. I reported this to the credit bureaus. Santander in turn continued to report the incorrect status and balance on my credit report. Knowing this is unethical and a violation of the FCRA, I would like the account to be removed from my credit.
Company Response: Closed with explanation

Timely Response

2019-09-12

Miami, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-12

Charlotte, NC

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-12

Corona, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: Chrysler Capital/ Santander has been awful. I bought a XXXX XXXX 3 years ago so it is under the Chrysler umbrella. This was a brand new car and I was swindled big time by the dealership and Chrysler Capital funding. This car I should have only paid maybe XXXX but I paid XXXX they took advantage of a single mom out of a divorce with zero child support and there with her XXXX kids trying to get a car with crappy credit from divorce which is now much better. The 19 % APR on this car means that after 3 years I still owe XXXX even though I have paid XXXX on this car already. At this point the car is now under water being worth maybe XXXX on a good day. Not only that but XXXX does not stand by their cars and I was sold a piece of crap. I have had to fix the head gasket, radiator and now the catalytic converter is bad and XXXX has a recall but my car is not on the recall yet and will have to wait until it is. All expensive fixes for a 3 year old car. XXXX has not been helpful and now the fumes from the XXXX XXXX because of the Catalytic Converter now affect my children and me. This car is unsafe and has been a nightmare financially since I could not refinance an underwater car so I am stuck with a car that can kill us. Also I have reached out to Chrysler Capital and have asked them multiple times to lower the APR and their service reps basically laugh at me and say they do not do anything to help even though they send out letters that they have programs to help. When I call in they just say what date are you making a payment. Also I have been locked out of my online account for months on Chrysler Capital and they still have not fixed after asking multiple times. Right now I am stuck with a bad catalytic converter on car waiting for recall and I have XXXX on this multiple times and they ignore and they should last longer in CA. Chrysler capital which has literally been zero help with the worst purchase and financing of a car not worth any money and making over XXXX on this car. Which is so corrupt and predatory. I am filing this complaint because I want this to be noted at how they are scamming people and trapping them with no way out. They are also selling products that are not worth their weight or payment and overcharging and then not standing by the product. The only way out of this nightmare would be to give them back the car which I would gladly do but it would kill my credit which I have worked hard to get back up. Even though as of now with me paying them XXXX I have basically already paid for the car XXXX XXXX XXXX and brand new basic package should have only been XXXX XXXX XXXX XXXX and XXXX scammed me really was too. They ignored me after the sale too and the way the dealerships treat women is abhorrent. I am filing this claim so people know the truth about these companies and how bad XXXX is and how they scam trusting people and how low they really are. I am sending out same letter to multiple outlets and I hope social media will help in getting this out because these scams should be taken seriously and should be investigated by CFPB because I know I am not the only one.
Company Response: Closed with explanation

Timely Response

2019-09-11

CT

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

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

Was not notified of investigation status or results
Complaint: In XXXX of XXXX XXXX sent a request to XXXX and XXXX for the XXXX time in XXXX to have the information regarding the Santander Consumer USA account removed from my report. I informed XXXX and XXXX with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at Santander along with verification of a contract with my social and signature, and how the obtained the information from Santander. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. XXXX and XXXX never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at Santander submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. Santander was part of state-wide lawsuit here in XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-11

New Britain, CT

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with explanation

Timely Response

2019-09-11

KY

Incorrect information on your report

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

Account information incorrect
Complaint: Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.
Company Response: Closed with explanation

Timely Response

2019-09-11

Euclid, OH

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: Hard Credit Inquiry on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-11

Key Biscayne, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Please review the credit reporting for my alleged account. This account was charged off and is still reporting monthly as a late payment. Thats in direct violation of the law. After 180 days of non payment this was charged off. Every month you state non payment. Can u provide proof that this is in conjunction with the FCRA. Ive been fighting this account for years and at this point can you remove it completely from my reports. It due come come off in less then 6 months. If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. XXXX XXXX XXXX esq
Company Response: Closed with explanation

Timely Response

2019-09-11

Cheverly, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: Approximately XX/XX/2019, Santander Consumer USA, once again reposted my vehicle without notifying me of their intent to do so. Further, this occurred after they were notified that I was hospitalized and that I was deemed XXXX XXXX and as a result, a claim would be filed with the XXXX XXXX XXXX XXXX and they would be paying the Note off in full. Since Santander Consumer USA was the lost payee the payoff would be made directly to Santander despite the fact that I had made many payments to Santander that were covered By the claim in an effort to keep my account in good standing and to avoid repossession. I was given inaccurate information by several different Representatives ; including being told that my vehicle had already been sold at auction, after I paid the amounts I was told would be required to recover the vehicle. My request for my case to be escalated to upper management and/or Corporate was never responded to. Further my request to have recorded conversations with Representatives reviewed to verify the inaccurate information I was given and to prove that I paid the amounts I was told would be required. These actions resulted in my inability to have XXXX insurance claim paid due to the vehicle being repossessed and auctioned and and outstanding balance remaining of 0ver {$9000.00}.
Company Response: Closed with explanation

Timely Response

2019-09-11

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-09-10

Watkins, CO

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I financed a new XXXX XXXX XXXX with {$5000.00} down payment ( total price {$53000.00} ) and 0 interest for 72 months at XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX , CO ). Today ( XX/XX/XXXX ) the dealer told me I must pay {$26000.00} more down payment otherwise I have to return the car, and charge {$99.00} dollar per day for the 10 days I drive. They have carefully checked my background before signing the contract. If they can not make the deal why not just tell me at the beginning? The monthly payment has not started yet ( will start from XX/XX/XXXX ) but they broke the contract already. I can not pay for the extra {$26000.00} dollars immediately. But if I return the car I need to pay {$1000.00} for the miles I drove these days ( just 200 miles ). This is absolutely a defraud and robbery. Assuming I have the money and paid for the extra down payment, what about after I drive for three months and they force me to fully pay for the car. If I don't have enough money at that time, they will charge me more money for the miles.
Company Response: Closed with explanation

Timely Response