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 7
2019-10-15
Winston Salem, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called Santander.
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance.
I was forced to surrender the vehicle in XX/XX/XXXX. Santander states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.
Company Response: Closed with explanation
2019-10-15
Rockaway Beach, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: You are reporting inaccurate information on my credit reports you are to correct that information at once or be sued. you are reporting my account status as derogatory when in fact the account status is sold and charged off your are reporting my payment history as in collections/charged off as per 611 FCRA dispute you are to show me proof that my payment status has a collection on it did you send my account to collections after you sold it that is inaccurate reporting so me proof that a account you don't own can be derogatory you don't own it to report it that way. you have as 90 days late 11 times you are to proof that I'm 90 days late after you closed the account XX/XX/2018 and charge off XX/XX/XXXX.
I have sent a request to the IRS to investigate why you let my account go 90 days late 11 times before you closed and charged off the account that's is what you are reporting .In the United States , Federal regulations require creditors to charge-off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days. a complaint has been filed with NYS Office of the Attorney general consumer affairs XXXX and NYS dept of consumer protection and the Dept of state
Company Response: Closed with explanation
2019-10-15
Jacksonville, FL
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-15
Atl, GA
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-15
Holbrook, 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
2019-10-15
Adelanto, CA
Took or threatened to take negative or legal action
Debt collection: Auto debt
Seized or attempted to seize your property
Company Response: Closed with explanation
2019-10-15
Hazlehurst, GA
Getting a loan or lease
Vehicle loan or lease: Lease
Fraudulent loan
Company Response: Closed with explanation
2019-10-14
Decatur, GA
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
2019-10-13
Oxford, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation
2019-10-12
Moncks Corner, SC
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
2019-10-12
Denver, CO
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
2019-10-11
FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I opened with Santander consumer USA on XX/XX/2013 it was 60-month loan at a very high rate and as time went along I was making monthly payments of XXXX and at times I may have fallen behind and the late fees were insane avg XXXX a month and having to pay the charges I was never able to get caught up I don't know how to get a record of how much I paid but just in the 60 months besides the monthly payments of XXXX x 60 equals XXXX and I would say another XXXX in overcharges now at the end they said I had a balance of XXXX approx and made me finance again for a 24 months because all the late charges and penalties I never got credit to the principal I just feel have been taken advantage of so for a XXXX approx loan I which I already paid XXXX now they want XXXX more with interest that XXXX dollars and I know im getting ripped off I wish I knew how to get a records of exactly how much I paid every time I called to complain I would get some slick willy giving me some crazy equation to justify why I hadto pay some crazy late charge I need your help hopefully erase what they say i owe bec ause I way over paid and show on my credit as paid off and not late only reason showed late because I was just paying late fees now its harming my credit and its not fair to always say they are gon na repo
Company Response: Closed with explanation
2019-10-11
Adelaide, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Company Response: Closed with non-monetary relief
2019-10-10
Oakland, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Closed with explanation
2019-10-10
FL
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: In XX/XX/2019, my vehicle was declared a total loss. On XX/XX/2019, XXXX sent out a total loss statement. On XX/XX/2019, XXXX reported that check had cleared for {$6.00}, XXXX. However, Santander USA Consumer reported that they had no knowledge of check being received. I, XXXX XXXX, had taken it upon myself to three way call Santander USA representative along with XXXX agent and finally, Santander stated that they had received the check but could not process it for 10 days.
XXXX, asked what was the reason for them to hold check, cash and not process until a week later, Santander responded that they had procedures to follow. XXXX ask Santander where they in receipt of Gap payment from XXXX XXXX, XXXX?
Santander representative acknowledge payment, however, again they were unable to apply payment.
For the next couple of weeks, XXXX, attempted to contact Santander regarding payment ; however ; Santander stated to XXXX that in order to apply payment, that Santander would need to take two of XXXX, past payments of XXXX and XXXX, delete them ( although funds where deducted out of XXXX bank account previously.
Santander USA Consumer stated that this was required in order for payments of XXXX and XXXX XXXX to be paid.
About a week later, XXXX received a letter from Santander stating that loan was under default for missing two payments. XXXX contacted Santander and ask how would loan be under default when over {$12000.00} was received. The agent research and stated it was an error and that the reason was because payments were deleted in order for insurance payments to be processed but for XXXX to ignore issue.
On XX/XX/2019, XXXX was notified by credit monitoring agency that two payments were missed for XXXX and XX/XX/2019? When XXXX contacted Santander and asked for an explanation, agent and manager stated that it was incorrect.
XXXX explained to Santander that there closing for a home is less than 30 days and the false credit reporting is jeopardizing XXXX future home.
The manager at Santander stated that in order to remove report, that XXXX would need to dispute claim. XXXX did not know why it was required since no payments were missed and large insurance funds received.
When XXXX replied of obtaining an attorney, Santander Manager stated that there Executive Manager would contact me within 24 hours.
Company Response: Closed with non-monetary relief
2019-10-10
Houston, TX
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was result of identity theft
Complaint: I have disputed this account from Santander Consumer many times, only for it to be verified and remain on my credit report. How can an account be verified if it does not belong to me? I have even called and requested Santander to provided me proof of my Authorization. I also mailed a letter along with my police report for identity theft. I do not know what date the Debt started.
Company Response: Closed with non-monetary relief
2019-10-10
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. Santander has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.
Company Response: Closed with explanation
2019-10-10
Grovetown, GA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-10-09
Soddy Daisy, TN
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: Account is not mine
Company Response: Closed with explanation
2019-10-09
TX
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation
2019-10-09
Warren, RI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: An account is still showing derogetory when its not, and theres 2 account in that name. The one showing derogatory is ruining my life. Ive settled with that company and negotiated that it be off. I cant get anything done with that on my credit. Its 1 year away from being off but Im trying to get a house. And other stuff. Please get this off or update the derogetory to closed and paid.
Company Response: Closed with explanation
2019-10-09
Flushing, NY
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Company Response: Closed with explanation
2019-10-08
Yonkers, NY
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Closed with explanation
2019-10-08
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Company Response: Closed with explanation
2019-10-08
Orion Twp, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had a lease for a XX/XX/XXXX XXXX XXXX with Chrysler Capital - account # XXXX.
I recently checked my credit report and there was a 90 day late on my credit report for this account.
I was NEVER late on my payments and turned this in without issues.
This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.
Company Response: Closed with non-monetary relief