SANTANDER CONSUMER USA HOLDINGS INC
Consumer Complaints
There are over 6365 complaints on file for SANTANDER CONSUMER USA HOLDINGS INC. Dated between 2019-12-09 and 2012-05-14.
Complaints Page 12
2019-09-10
Santee, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts.
To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check.
My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX.
It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}.
I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?
Company Response: Closed with explanation
2019-09-10
Powell, TN
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: I purchase a XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I receive a loan from Santander Consumer USA for XXXX with payments of XXXX monthly for 76 months. I was paying my payments on time but the balance will never decrease on my credit report. I have payed a total XXXX towards the loan, Every time I tray to trade the car or refinance the loan I was told that the total payoff was XXXX. I have called Santander Consumer USA several times to go over the contract because something did not seem right as to why my payoff was so high although the care was only worth XXXX. the only thing Santander will do is give me a one month deferment just to shut me up. finally I decided to give the car back on XXXX XXXX. I called the Santander and told them I no longer wanted the car and where should I take it. I was told that they will process the paper work send it to me in the mail to sign and they will come and pick up the car. On XXXX XXXX I called and Santander consumer USA that I did not receive my paperwork and will they be coming for the car. I was transfer to different departments until I spoke to a Supervisor and was told that due to laws they are working on getting the car reprocessed . it took them 6 months before they finally came and got the car. I was told that they will take the car for auction and I will be sent a final bill. Unfortunately, I did not receive anything in the mail. I check my credit report. Santander USA has been reported negative payments towards my credit port to this day although they have the car in their possession. it is now reported that I still owe XXXX and the account is delinquent. it has not reflected any payments I've made for 4 years nor the amount that the car was auctioned off for and the balance keeps increasing on my XXXX and my XXXX credit report
Company Response: Closed with explanation
2019-09-10
WA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem related to refinancing
Complaint: I am XXXX XXXX owner of a white XXXX XXXX XXXX 2 door. The XXXX was financed thru Santander Consumer USA. On XXXX XXXX they illegally towed my car and never returned. They never provide me court order. I was XXXX XXXX US XXXX when I got the car and remain active when the day they illegally repossessed my car. I would like to submit a formal complain to the Santander Consumer USA. On XXXX XXXX I receive order to deploy to XXXX XXXX XXXX XXXX XXXX and after that I was deployed to XXXX. I am submitting this complain in order to get my jeep back. Failure to provide me resolution I will move forward to sue the company in accordance with the SCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX XXXXemail: XXXXI would like to please the SANTANDER rep to call me ASAP.
Company Response: Closed with explanation
2019-09-10
New Orleans, LA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with monetary relief
2019-09-09
Atlanta, GA
Getting a loan or lease
Vehicle loan or lease: Lease
Credit denial
Complaint: On XX/XX/2018, I visited XXXX XXXX of XXXX, North Carolina to purchase a truck for work. I applied as a XXXX XXXX XXXX. I provided all required financial documentation relative to my business and income. That evening, I was told the loan was approved and was given the keys to the vehicle and signed all necessary lease paperwork. The next day, I received harassing telephone calls from the Finance Manager ( stating " You better call me immediately ''. I let him know that I was working out of town and that I would return his phone call when I was able. He continued to call and harass me. When I called back, I asked for the General Manager, XXXX XXXX. I let him know that I found the behavior of his finance manager harassing in nature and that I wanted to only deal with him. He obliged and stated that they needed me to " re-sign '' the same paperwork, citing that the original paperwork had the incorrect mileage per year ( XXXX instead of XXXX ). I told him that they could have overnighted me the paperwork instead of demanding that I return in person to sign ( my work was in XXXX, GA ). I signed the paperwork again, and asked if there was any other information, they needed from me. He stated that there was no additional information needed and that I could see the XXXX department for the promised accessories for the truck. The Service department installed the accessories and I drove away. A week or so later, I get additional calls from XXXX XXXX stating that they needed my signature card for my business account. I told him that I would have my bank send the financial documentation directly to the lender ( XXXX XXXX ), but my bank did not use or issue signature cards. He said that this was fine and provided me with the loan ID to reference, what was Loan ID # XXXX. XXXX XXXX was happy to provide Chrysler with documentation that they did not use signature cards. This was completed via email to XXXX, by a 3-way call with me, XXXX XXXX and XXXX XXXX. When on the call with XXXX XXXX and XXXX XXXX with XXXX XXXX, I told them that I felt discriminated against given the different requests for documentation, after I was told the deal was completed, funded, and allowed to insure the vehicle. I also let Mr. XXXX and Mr. XXXX know that I felt like the team at XXXX XXXX was not providing them with all the financial documentation that I provided directly to the General Manager, XXXX XXXX. They confirmed that he never provided my financial documents from all sources. XXXX XXXX made sure that they knew that no signature card was given to account holders and provided documentation of deposits. Mr. XXXX also let me know that I did not have to deal with anyone at that dealership any longer and that my loan with them, not XXXX XXXX of XXXX. As a minority small business owner, I felt completely discriminated against and harassed by XXXX XXXX and his finance team. Mr. XXXX encouraged me to file a formal complaint with the CEO 's office of XXXX XXXX. He walked me through the process, and this was submitted with their company. I never heard anything back from this complaint. Regarding the mechanics of the vehicle, my daughter and I noticed that the display would get extremely hot to the touch when driving, as well as a loud " frog-like '' sound coming through the dashboard/air vents. We reported this to XXXX in the Service department at XXXX XXXX. I also reported that the cruise control would rev up/down without me pushing any buttons. We showed him a video recording of the issues we'd experienced, and he called a service mechanic over to watch the video as well. They both mentioned that the vehicle had an open recall that needed to be addressed. They assured me that the car was safe to drive and scheduled an appointment for me for after XXXX XXXX, XX/XX/18. Unfortunately, the vehicle broke down on us in XXXX XXXX, LA and had to be towed to XXXX XXXX XXXX. To my surprise, when the vehicle was in repair, XXXX XXXX issued a " repossession '' and sent a company to retrieve the vehicle. He also filed a fraudulent police report stating that I stole the car. I was arrested and charged with a felony. Over a year later, the District Attorney dropped the charges. My life and small business have been completely ruined due to the criminal acts of XXXX XXXX of XXXX, XXXX XXXX and Chrysler Capital. I have tried to remedy this situation with them, but to no avail. As a person living with XXXX, this issue has exacerbated my issues and rendered me unable to provide for myself and my daughter. They purposefully and willfully allowed me to drive a vehicle that they knew had mechanical issues that warranted a recall. They also purposefully and willfully withheld financial documentation from XXXX XXXX knowing that it would be detrimental to my application. As a person living with XXXX, this issue has exacerbated my issues and rendered me unable to provide for myself and my daughter. They purposefully and willfully allowed me to drive a vehicle that they knew had mechanical issues that warranted a recall. They also purposefully and willfully withheld financial documentation from XXXX XXXX knowing that it would be detrimental to my application. Given this, I am seeking compensatory compensation for myself and my business, as well as punitive damages for pain/suffering/defamation of character regarding the fraudulent criminal charges filed by XXXX XXXX, General Manager of XXXX XXXX of XXXX, and harassing emails from his staff and staff from XXXX XXXX at XXXX XXXX. XXXX XXXX continued to harass me via emails after the car broke down and was towed to XXXX XXXX XXXX in XXXX XXXX, LA
Company Response: Closed with explanation
2019-09-09
PA
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: Leasing agreement with Chrysler Capital of XX/XX/XXXX.
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule.
The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX.
In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly.
All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas.
XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well.
The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account.
When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end.
I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus.
The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX.
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated.
She asked me to send a copy of the confirmation, which I did.
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect.
I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well.
I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault.
It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house.
Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
Company Response: Closed with explanation
2019-09-09
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
2019-09-08
Arco, CA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.
Company Response: Closed with explanation
2019-09-08
Cabot, AR
Struggling to pay your loan
Vehicle loan or lease: Loan
Problem after you declared or threatened to declare bankruptcy
Company Response: Closed with explanation
2019-09-08
NH
Credit monitoring or identity theft protection services
Payday loan, title loan, or personal loan: Installment loan
Didn't receive services that were advertised
Complaint: I'm a XXXX year old lady and XXXX year old husband that is XXXX and very sick and also a Veteran, and I have a thing on my credit report from a company. We live on nothing but social security and I have a part time job that buys us a little bit of grocery and now we have been notify from the people that we have been renting from for 23 years and found that the house can not be rented anymore because of the condition of the house, and I have been trying to find a place for my husband and I to live and I have this XXXX XXXX bill on my credit report and have no idea where it came from. I could really use your assistants on this as soon as possible.The account is closed
Company Response: Closed with explanation
2019-09-07
Palmerton, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!
Company Response: Closed with explanation
2019-09-07
City Of Sunrise, FL
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
2019-09-06
Harrisburg, PA
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
2019-09-06
Memphis, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Company Response: Closed with explanation
2019-09-05
Magnolia, TX
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: On XX/XX/2017 my information was personal information was compromised due to the XXXX Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.
Company Response: Closed with explanation
2019-09-05
Hinsdale, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: In XXXX of 2019 my wife XXXX and I purchased a XXXX XXXX XXXX and also opted in for the extended warranty. Within two weeks we decided to cancel the extended warranty which was within the timeframe to do so and filled out the paperwork with the dealer. In XXXX we had seen no credit applied to our loan and contacted the dealer. We found out that the extended warranty was still active and that no action had been taken. We complained to the dealer who contacted XXXX XXXX XXXX to find out what the hold up was. Now it's XXXX and when we checked back on this the extended warranty is still active and no refund has been issued. The full price for the extended warranty is {$3800.00} which is what we are due to be refunded, unfortunately these depreciate over time which means that this warranty is worth less now than it was when we cancelled it. We would like the full refund due.
Company Response: Closed with explanation
2019-09-05
Burlington, WI
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
2019-09-04
NY
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: I contacted Santander numerous amount of times about them reporting incorrectly. I reached out to the XXXX about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment.
As stated before i have reached out to Santander multiple times and they are very rude and unhelpful.
Company Response: Closed with explanation
2019-09-04
Key Biscayne, FL
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: there has been account in my credit bureau for more than 7 years and the credit bureau dont deleted
Company Response: Closed with explanation
2019-09-04
Patterson, MD
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.
Company Response: Closed with explanation
2019-09-04
Memphis, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Company Response: Closed with explanation
2019-09-04
Paterson, NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Closed with explanation
2019-09-04
Lafayette Hl, PA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Company Response: Closed with explanation
2019-09-03
Newnan, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.
Company Response: Closed with non-monetary relief
2019-09-03
Alpharetta, GA
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