SANTANDER CONSUMER USA HOLDINGS INC

2019-10-08

Philadelphia, PA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Ive had this car since XXXX of 2016 and they told me only XXXX dollars came off the loan Ive complained to them many times about the loan and Ive complained that they are collecting on a car that has factory defects to the car is a lemon reported by XXXX and they charged me to much for the car and they are not applying my money to the principal and they are charging me interest everyday Im late even before the ten day grace period starts Ive told them the car has been in the shop over 15 times and it s still in there for the same thing from two years ago
Company Response: Closed with explanation

Timely Response

2019-10-08

Naples, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: In XX/XX/XXXX, I signed an auto loan with Santander on a XXXX XXXX through XXXX for {$19000.00}. Since that time, I was diagnosed with XXXX XXXX and we experienced Hurricane Irma so we got behind in our payments. At the suggestion of Santander, we agreed to a total of three extension agreements. We were told that the past due payments would be " added to the end of the loan ''. The result was that between XX/XX/XXXX and XX/XX/XXXX, I made payments totalling {$9300.00} and yet not one penny was credited to principal. So, as of XX/XX/XXXX since inception, I had made payments totalling {$17000.00} but my principal balance had been reduced by only {$1900.00}!! When I questioned this, I was told some double talk about " simple interest ''. CFPB sued Santander for not disclosing how principal interest would be allocated on an extension. That matter was settled but when I questioned three people at Santander including a Supervisor, they had no idea what I was talking about. I had the impression that Santander would be giving relief to customers affected. Due to my illness I have been running three payments behind but I have made a full monthly payment every month for the past year on the date I receive my Social Security check ( 2nd Wednesday ). Yet I get 2 and sometimes 3 calls a day on my cell phone from Santander and when I ask them to stop ( many times ) I was told they can't because their computer dials my number. They leave voice mails and threaten repossession even though I pay every month and they tell me sometimes that the repo order has been sent until they cancel it, I should hide my car.
Company Response: Closed with explanation

Timely Response

2019-10-08

Deer 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

2019-10-08

Laveen, AZ

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

2019-10-08

Euclid, OH

Incorrect information on your report

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

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

Timely Response

2019-10-07

Perris, CA

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

2019-10-06

Brooklyn, NY

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

Timely Response

2019-10-05

Barboursville, WV

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: We went to XXXX XXXX XXXX in XXXX WV to purchase a new car for my military son stationed in Kansas. Well needless to say that my husband and I are both XXXX with limited income and this was all explained to car lot. Well we got a XXXX XXXX XXXX that we really didn't want but we were going to Missouri to see my son and he needed a vehicle to go on to XXXX XXXX well payments were {$500.00} which was alot higher than we asked for and they put the car in our name not my son 's so it went on our credit. We put {$2000.00} down of my son 's money and he paid {$500.00} monthly till he came in on leave. We went to car lot to trade the car in for a vehicle my son wanted well they wouldn't take the car on trade because they'd lose money cause car we were paying way over what car was worth I volunteerily surrendered the car to Santander and they sold it for over XXXX We had paid over {$8000.00} already so they wanted XXXX more and I said no the car wasn't worth that and they agreed to drop it and it was off my credit report for months and then all of a sudden it's back on there and they are calling us after over a year of not bothering us. This company and car lot have been in trouble before on getting outrageous loans for people who can't afford them so they make a profit. My husband has XXXX XXXX and is not compent to enter into loans they were aware of this but guess whose name is main principal. So that's illegal and we've lost enough money over this we just want it off our credit.
Company Response: Closed with explanation

Timely Response

2019-10-05

Canton, OH

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
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. Moreover, I was never 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 confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-05

Boynton Beach, FL

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-04

Charlotte, NC

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. Moreover, I was never 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 confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-04

Powder Spgs, GA

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

2019-10-04

Missouri City, 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
Company Response: Closed with explanation

Timely Response

2019-10-03

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I leased a vehicle from this company that was a total loss on XX/XX/2014. This company is stating that I still owe money when car was paid off by gap and insurance company. I have never received any written notification about the charges and when I call and ask for info they never send it. I am trying to get this bad debt off my credit. Santander Consumer Usa will not provide any info for this debt.
Company Response: Closed with explanation

Timely Response

2019-10-03

Cheverly, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: On XX/XX/XXXX, my vehicle was repossessed by my finance company Santander Consumer USA. They stated that to reinstate the loan and be able to retrieve my vehicle I had to pay {$430.00}. After two weeks, I began to make attempts to payments. One such payment was made via my bill-pay with my bank, XXXX. I was subsequently told that that payment would be " bounced back '' as an account in this status, the only acceptable payments were via a debit card, XXXX or XXXX XXXX. I then scrambled to pay an additional {$1000.00} to replace the {$1000.00} that Santander stated did not count towards the {$4300.00}. I was able to pay the {$1000.00} and when I did so on XX/XX/XXXX, I was told that I had to put a stop payment on the {$1000.00} via my bank. I attempted to do so via XXXX and the payment stated that it was " pending '' however, Santander Consumer USA retained the {$1000.00} in spite of this and therefore retained {$5300.00} before releasing my vehicle. I requested that they return the {$1000.00} as this created a hardship and I would not be able to pay my mortgage as a result of this misinformation. On XX/XX/XXXX, I was to make the XXXX payment on my account and I have not yet heard from Santander as to the status of my request as of XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-03

NH

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: We purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX inXX/XX/XXXX The vehicle has been in the shop many times and they have been unable to fix it. We are now in arbitration with Chrysler. Our XXXX has been in their shop for nearly 2 weeks now for their allowed final repair attempt. However, they refused us a loaner vehicle. My husband has been taking his motorcycle to work in the rain and freezing cold temperatures because of this. We still have to pay our $ XXXX/month payment and we have no vehicle. This is absolutely absurd. We have attempted to resolve this with both XXXX and Chrysler, but the fact of the matter is that we are under warranty. We pay our payments. We both need to get to work and my husband absolutely should not be forced to put himself at risk on a motorcycle in the rain or freezing temperatures. We are paying a lot of money for absolutely nothing. That's stealing plain and simple.
Company Response: Closed with explanation

Timely Response

2019-10-03

Garrett Park, MD

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I called Santander Consumer USA Inc. to get payoff quote XXXX XXXX. The company representative XXXX gave a payoff quote figure XXXX. She said the figure was good until XXXX XXXX. Accordingly my uncle XXXX XXXX obtained a bank check for the exact amount and sent it via XXXX to the address XXXX provided. The check was received but by telephone the company now says that a further {$380.00} is due to extinguish the loan. They do not dispute that they provided a payoff amount of {$11000.00}, but say that figure was not complete. Having taken time from work on a weekday to obtain a bank check and gone to the expense of shipping it via XXXX, {$34.00}, I object to having to pay a further sum over and above the payoff quote I relied on from Santander 's representative. Santander should honor the quote they provided. Account # XXXX
Company Response: Closed with explanation

Timely Response

2019-10-03

Temperanceville, VA

False statements or representation

Debt collection: Auto debt

Indicated you were committing crime by not paying debt
Complaint: XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a collections representative contacted me to collect past due payment on my car loan. After I tried to set up arrangements I was told on each call that I need to make a full payment or they can't guarantee the safety of my vehicle. On the call today XX/XX/XXXX I was told my car will be repossessed if I didn't make a full payment. My vehicle isn't even in the department that handles repossessions nor do the Representatives that I spoke with have the authority to issues a repo. Blatant violation of fdcpa regulations
Company Response: Closed with explanation

Timely Response

2019-10-03

Coatesville, PA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2019-10-03

San Jose, CA

Getting a loan or lease

Vehicle loan or lease: Lease

Fraudulent loan
Complaint: On Tuesday, XX/XX/2018, an unknown person fraudulently used my name to sign a lease for a 2018 XXXX XXXX XXXX ( VIN : ending in XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The attached lease agreement ( see Exhibit A ) was entered into without my consent or authorization. No lease agreement was faxed to me or overnighted to me to sign and I could not have signed the lease in person, since I was in my home located in XXXX XXXX, California. XX/XX/2018 timeline of my activities supported by XXXX XXXX, Bank Receipts and Photos At XXXX XXXX I left my home in XXXX XXXX and drove XXXX minutes to my gym at XXXX XXXX ( See Exhibit B ) At XXXX XXXX. I left my gym and returned home at XXXX XXXX were I remained until XXXX XXXX. ( See Exhibit B ) At XXXX XXXX. I departed from my home and drove to XXXX Paints located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I arrived at XXXX XXXX. ( see Exhibit B ). I proceeded to purchase a can of paint ( see Exhibit C ). I departed at XXXX XXXX. and arrived back home at XXXX XXXX., where I stayed until XXXX XXXX. ( See Exhibit D ) I then returned to XXXX XXXX XXXX at XXXX XXXX. and departed again from XXXX XXXX back home at XXXX XXXX. I arrived home again at XXXX XXXX. and stayed until XXXX XXXX., ( See Exhibit D ). My wife and I then went shopping at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. to XXXX XXXX. ( See Exhibit E ). My wife and I returned home at XXXX XXXX ( See Exhibit E ). My wife and I were painting our house ( See Exhibit F ) Please see letter also attached from my attorney to XXXX XXXX XXXX XXXX XXXX XXXX as well as any other enclosures.
Company Response: Closed with explanation

Timely Response

2019-10-02

N Falls, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I had a previous issue with my checking account which i have resolved by obtaining a different checking account with a new bank however because I have had too many NSF checks because of the previous bank I was with Santander Consumer USA will not allow me to either make payments online or send a check to them as they will not accept them and they expect that I now either call in and pay with my debit and pay an outrageous fee on top of the ridiculous interest I already pay them or they expect me to use XXXX XXXX or XXXX XXXX which costs even more in fees to pay my bill.. What I am seeking is for them to accept check from the new banking institution that I am with and allow me to use the free pay options that they offer to other consumers. I feel as though I am being held hostage and being discriminated against because I don't have the same options to pay my bill with no fee that every other customer has. I want the ability to either send a check to them and have them accept it or to be able to pay online. I cant even pay the lower fee of paying with a debit card online as they have that locked too. I don't have the time to be calling them every month and speaking with them is very stressful because I don't get consistent information with my questions. They are the worst financial institution I have ever had to deal with. Hopefully the CFPB can help restore my opportunity to be treated as an equal consumer amoungst my peers.
Company Response: Closed with explanation

Timely Response

2019-10-02

Silver Spring, MD

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

2019-10-02

Plymouth, 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 reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Company Response: Closed with explanation

Timely Response

2019-10-02

Charlotte, NC

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

2019-10-02

Auburn, AL

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money
Company Response: Closed with explanation

Timely Response