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 13
2019-09-03
CA
Getting a loan or lease
Vehicle loan or lease: Loan
Changes in terms mid-deal or after closing
Complaint: XX/XX/XXXX : I went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) to inquire on a used XXXX XXXX XXXX they had in stock. The price was guaranteed to be {$19000.00} according to our salesman 'XXXX XXXX XXXX who was helping us with the car. Upon agreeing to purchase the car, I was sat down with their finance sales manager named XXXX XXXX XXXX.
XXXX XXXX was extremely shady in his negotiations with the car after he pulled my credit report, he initially advised that I would only be needing {$1500.00} as a down-payment which I agreed to, then he went into his office and came back, asking for {$4500.00}. He showed me a list of all my credit cards on my profile and my credit limits on each card, he then started to advise me on which credit cards I could max out to reach that down-payment. He then advised that if I could put down {$4500.00} as a down-payment, it would be a guaranteed approval.
He later then showed me a breakdown of how much my monthly payments are going to be for price of the car. I then noticed a discrepancy with the price, the advertised price of the car was {$19000.00}, but on the cost-breakdown sheet he was showing me, there was a {$3900.00} " package '' added to the price. I then questioned this package, and he reassured that they would take that package off, if I didn't want it. After agreeing that {$4500.00} down-payment is my max I could go, he then went to his office and came back with an approval saying I am approved for the car, with a down-payment of {$4800.00} ( {$300.00} more than the previous agreed down-payment ). He then only showed me what my monthly payments were going to be, and when I questioned the interest rate, he backed off a bit saying the interest doesn't matter, as long as I got the car. XXXX then advised that he could take my 3 credit cards to run the {$4800.00} down-payment. Thinking it was just {$300.00} extra, I agreed to the deal, as I was tired and really wanted the car.
Around XXXX XXXX that day, I was finalizing the paperwork with the finance manager named XXXX XXXX ', he was extremely pushy and was hastily forcing me to finish all my paperwork without reading it. He pressured me into signing everything quickly, giving the impression of him wanting to leave as soon as possible. After everything was done, and that morning I read my contract again, and couldn't help but noticed that the vehicle 's price on the contract had a huge discrepancy to the promised price of {$19000.00}. The contract shows that the price of my car is : {$23000.00}, and after tax and licensing, the new total would be {$25000.00}. After that, they applied my down-payment of {$4800.00} to the new total, to get my finance amount of : {$21000.00}. I was shocked that they had cheated me. I was originally promised a guaranteed price of {$19000.00}, which would of had my {$4800.00} down-payment applied, and the amount financed would of been {$14000.00} pre-tax and licensing. Not only that, but I was financed an interest rate of 24.56 % and the bank 's name is NOWHERE to be found on the contract. I had to call numerous times to get a finance manager to give me the bank 's information.
XX/XX/XXXX : I then called XXXX about this discrepancy right away, and the first thing he said was that the contract was already signed and he can't do anything about it, I then advised that he wouldn't finance any extra packages on top of the original agreed amount without my consent, XXXX then acted confused saying he doesn't remember any of that. XXXX then tried to push the problem to the finance manager XXXX XXXX '. I then contacted XXXX XXXX ' and inquired about the " package '' that was added on top of my sales price to which he answered vaguely saying it's for the door trims. I then asked for a list of what was included in the package, and he said he would email me it, to which I never received.
XX/XX/XXXX : I then called XXXX XXXX to ask for XXXX numerous times to only be ignored and transferred around and then hung up repeatedly. I was finally able to get in touch with XXXX XXXX ' the finance manager and he advised that he already gave the list to XXXX , which was odd, because he was originally supposed to email me the list. I then asked XXXX to email me the list, and he bluntly refused saying XXXX has the list and to get it from XXXX. I then tried numerous more times to call XXXX to only be ignored, transferred, and then hung up on.
XX/XX/XXXX - XX/XX/XXXX : I also work almost every single day, and it is nearly impossible to constantly reach out and try to get a hold of XXXX. During these dates, I have tried numerous more times to inquire about the contract discrepancy and the " package '' content that was worth almost {$4000.00} to no avail. I am afraid that this " package '' added on top of my car was a scam by the dealer to pocket {$4000.00}. Nowhere on my contract mentions anything regarding a package, they literally just raised the vehicle guaranteed price from {$19000.00} to {$23000.00}. Not only that, the contract mentions no bank that financed me. I feel so devastated that I was taken advantage of since this is my first car that I am financing, and I barley immigrated to America with not much knowledge regarding financing. I honestly feel that these men have taken advantage of my situation and manipulated it for their own gain. And in the end, I am left with a vehicle price I never agreed to and a car that is already high mileage.
Before leaving the dealership, I asked XXXX XXXX, the salesman about any dents or dings would be fixed under our warranty, since the vehicle 's color is silver, and it was already dark, so I was not able to judge the vehicle 's condition. XXXX then advised that it if any scratches or dings were visible, they would fix it free of charge. That wasn't the case when I contacted XXXX XXXX, he advised that the vehicle is purchased as is, and he gave a very blunt attitude to his answers.
XX/XX/XXXX : I came back to the dealer with my family members and found XXXX in person, we advised him of the fraudulent contract, to which he started acting confused and saying " Which salesman was it? '' knowing full well that he worked with 'XXXX XXXX ' on my vehicle. I then advised of XXXX XXXX and XXXX XXXX, to which he started to pretend to " remember ''. I reminded him of the numerous calls and messages my husband left for him. He then blamed that it was because of the XXXX XXXX weekend, hence why he was busy and he couldn't get back to me. This was all before XXXX XXXX weekend, and he had many opportunities to get back to me, to which he obviously ignored. It was then when my family member called him out on his dealings, he then said it is an open contract and nothing could be done. He showed no remorse, and aggressively brushed us off. We then left the vehicle and key at the dealership, and took pictures of the vehicle parked at their dealership. It was later then that my home video recording caught a worker at the dealership driving the car and aggressively parking it on my property without permission. They not only cheated me, but also trespassed my property, when we told them in person to not bring the vehicle to our property.
Original agreed vehicle price : {$19000.00} | Dealer 's Fraudulent Vehicle Price : {$23000.00} From now on, XX/XX/XXXX : We will be dropping the vehicle back at the dealership early morning, before I go work. As I do not find it fair for me to be stuck with this fraudulent contract.
Please see the attachments of the promised vehicle price taken prior to negotiating and the contract screenshot, as well.
Company Response: Closed with explanation
2019-09-03
Kingstree, SC
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Company Response: Closed with explanation
2019-09-03
TX
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.
Company Response: Closed with explanation
2019-09-02
Quartzsite, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I had traded in my car for a XXXX truck. I had called Santander to advise car was traded in and if payment still needed to be made. They stated no since they would receive a check from dealership and would be paid in full. Month later they show account closed and add remarks saying 30 to 60 days late payment. This all happened in XXXX of 2019. I submitted disputes with creditor, never got back to me.
Company Response: Closed with non-monetary relief
2019-09-02
Hampton, VA
Getting a loan or lease
Vehicle loan or lease: Loan
Changes in terms mid-deal or after closing
Complaint: In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms.
On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal.
As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it.
This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan.
This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.
Company Response: Closed with explanation
2019-09-01
West Harrison, NY
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
Company Response: Closed with explanation
2019-08-31
Ashburn Park, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-30
Gloucester City, NJ
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Complaint: Just recently I had a birthday and asked my father for assistance with catching up on payments that I was behind. The original amount I was past due was {$2200.00} I requested {$1500.00} in assistance from my father in hopes to apply it to my account to bring it current. After agreeing he asked me for the information to my account to make the payment and ensured me it was taken care of when I asked him if he was sending me the money. A few weeks went by and I received a phone call from a representative on the XXXX asking for payment to which I didn't understand. After speaking to the representative I learned that I was behind for the months of XXXX and XXXX to which an extension was granted. The agreement was to make the payment for XXXX on the XXXX. On the XXXX I found out that there was actually no way for me to make a payment at all and the amount due was for {$6100.00}. Confused I called the company and spoke to a few different representatives and was ultimately told that upon review of the account there had been checks mailed out on my behalf that were returned for ridiculous amounts which when asked, I was told checks written for {$9000.00}, {$9500.00}, {$9300.00} and one for {$4500.00}. When asked which bank was listed as the paying account it was for a bank account I am not familiar with. I am positive this had something to do with my father and not only were these fraudulent payments not authorized by me, the original {$1500.00} I asked for was no where to be found, which I had requested as cash for my birthday. Now I'm facing a possible repo whether voluntary or involuntary, unless I can come up with the past due amount which exceeds {$5000.00}. When asked I was told the account is past due by 352 days which doesn't even make any sense whatsoever to me because I've only had the vehicle for a year which would have meant no payments were ever made since I bought the vehicle. I am attempting to get this matter resolved and this issue fixed so that I can keep the vehicle and get back on track because I am 99.9 % certain some sort of error has occurred and the wrong information is being reflected to the extent of either every payment for the last year has been returned or none of the payments I've made in the past year are being reflected. Every payment I've made has been going toward the interest which accrues daily and any payments toward the loan would apply to interest first not the balance of the vehicle meaning if any payments made were to be returned they would count against the interest not the principal of the loan. I can see the returned payments in the summary of the account but there is no information regarding where these thousands of dollars have been applied to any fees.
Company Response: Closed with explanation
2019-08-30
Oxford, GA
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: The car had so many problem and they knew that most of my money want to the car by fixing it instead making my payment on time and miss days out of work ...
Company Response: Closed with explanation
2019-08-30
ND
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Personal information incorrect
Complaint: I am in the process of improving my credit score so I opened a credit monitoring account. Over the last 2 years I have been contacting and paying off or removing old collections. I knoticed on my auto loan collections it showed Santander Consumer USA opened on XX/XX/XXXX and was last reported on XX/XX/XXXX. The amount shows {$15000.00} paid 100 % and account closed on XX/XX/XXXX. I tried to dispute to have this collection removed off my credit report as it was showing paid/charged off. Instead of it being removed it was declined and updated stating payments late/not paid through XX/XX/XXXX and states the last payment was made on XX/XX/XXXX, neither of which are accurate or rational. Due to this I called the Santander customer service hot line 3 different times only to never get answers. The 1st time I called they could not find any account under my name or social and then proceeded to give me 2 other collection agency numbers to call saying they sold the account. When calling those numbers no accounts were able to be found as well using any personal information. The 2nd customer support call still no account could be found and they stated they cant remove the collection if they cant find the account and I needed to redispute the credit bureaus findings. So I once again disputed this collection this time with a description of the reason for dispute, only to be told all the findings for the previous dispute would stand. They claim Santander is providing proof of this account although they are unable to provide me any information. I called for the 3rd time today only to be told for another time they are unable to find any account, collection, or information using my social security number and name. This has been going on for a month now with still no proof of an account and no change to my credit report.
Company Response: Closed with explanation
2019-08-29
Oxford, GA
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Complaint: Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX.
10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer.
Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW.
I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit.
The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX
Company Response: Closed with explanation
2019-08-29
Chicago, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-29
Gardnerville, NV
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: In XX/XX/XXXX, I purchased a vehicle from XXXX of XXXX. I agreed to pay {$390.00} per month for 72 months on a loan of {$16000.00} with an interest rate of 18 %. My car was stolen XX/XX/XXXX and I continued making payments every month. In XX/XX/XXXX, I was given a pay off amount of {$11000.00}. My insurance mailed a check to them on XX/XX/XXXX in the amount of {$12000.00}. Santander removed the payments I made to them from XX/XX/XXXX up until XX/XX/XXXX for some reason. There website showed I was behind {$1900.00} and there website was showing accrued interest. I called them on XX/XX/XXXX and they stated that I was behind over 90 days on my car, which was false. Then after I argued with the lady she apologized for being incorrect and couldn't provide me a reason as to why my payments were removed. XX/XX/XXXX I checked their website and now it showed that I had a balance of {$600.00} and there reasoning was because the funds are currently being ''reallocated '' and that I should see my account reflect the insurance payment. Which STILL makes no sense. They are showing a transaction for {$10000.00} and another one for {$1900.00} on XX/XX/XXXX which is the insurance payment. These people received my check weeks ago and did not put it in the system until I called. I also noticed that my month payments that I made for the same amount each month have different and really high interest rates. Under my transaction history on their website, the payments that I made are not matching the payments my bank ( XXXX XXXX XXXX ) is showing.
Company Response: Closed with explanation
2019-08-29
Melrose, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2019-08-29
Wexford, PA
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
2019-08-29
Clifton Park, NY
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-08-28
Lakewood, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-08-28
Dallas, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I do not have the date, but when I recently called the phone number in the letter from Santander Consumer USA, the representative could not tell me why my credit was run without my permission as evidenced in my XXXX credit report. After writing XXXX, the item has been removed but I want to file a complaint for this should not have happened.
Company Response: Closed with explanation
2019-08-28
Tampa, 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
Complaint: I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Company Response: Closed with explanation
2019-08-28
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
2019-08-27
Charlotte, NC
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Closed with explanation
2019-08-27
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation
2019-08-27
Melrose, VA
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
2019-08-26
Tampa, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-08-26
Cold Sprgs Hi, KY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation