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 9
2019-10-02
Scottsdale, AZ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: I was in an accident on XX/XX/2019. I decided to file 1st party and use my own insurance to handle the claim. My vehicle was deemed a total loss on XX/XX/2019. XXXX called my finance company on XX/XX/19and requested the payoff as well as a copy of the title and a letter of guarantee. They received a payoff good through XX/XX/2019, and were advised the documents would take 3-5 days. On XX/XX/2019, Santander called XXXX to verify what documents were needed so they could send them. OnXX/XX/2019 XXXX followed up with Santander, as well as again on XX/XX/19, as they had yet to receive the documents. Without these documents, XXXX could not release the total loss payment.
On XX/XX/19 I called Santander and was advised they had not heard from XXXX yet, at all. I called XXXX and we did a conference call with Santander. At this point we were transferred and then told the request for the title and the letter of guarantee was getting submitted right then, but it had not been before. They said wait 3-5 days. I called XXXX back on XX/XX/2019 and we did another conference call. We were told that the documents were getting sent that day. XXXX was finally able to issue the payment on XX/XX/2019.
I checked this morning to see if Santander had processed my check yet. I contacted them via chat support and was advised that the check had not yet been received. I also noticed I was charged {$85.00} for an evaluation to be done on the XXXX XXXX XXXX while it was in the tow yard, but that was never discussed nor disclosed with me. I asked for it to me removed and was told that it wasn't an option.
I called XXXX to get a copy of the total loss check and was advised that it is showing cashed in their system.
This ENTIRE time I have been getting charged {$7.00} PER DAY in interest charges, I got charged {$16.00} for a late fee because there was a payment due XX/XX/19 that I didn't pay assuming they would not have delayed everything this long.
I want the interest from the original payoff date of XX/XX/2019 to the date they received the check to be waived. That's 26 days at $ XXXXday for a total of {$200.00}. I also want my late fee of {$16.00} waived because if they had submitted the request initially they would have received and processed the check prior to XX/XX/19 when the late fee added. I also want the {$85.00} evaluation fee I was charged waived. There was absolutely ZERO communication that anyone from Santander would be looking at the car, let alone inspecting it. I am expecting {$300.00} back ON TOP of the remaining funds after payoff. I should not need to contact a company over 10 times to get them to do their job as outlined in our agreement.
Company Response: Closed with monetary relief
2019-10-02
Black Jack, MO
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-10-02
Auburn, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information is incorrect
Complaint: I purchased a XXXX XXXX XXXX, through Santander Consumer USA In XXXX it was in an accident which was a total loss, my Insurance paid their portion and there was a balance left which I had Gap insurance to cover the rest of balance.But Santander Consumer USA didnt file a claim and they put a charge off on my credit report and will take it off I have talked to them over and over about it and Ive deputed it They also sold the account to XXXX XXXX XXXX which they gave a settlement to pay it off, But Santander still have it on my credit report
Company Response: Closed with explanation
2019-10-02
El Sobrante, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-10-02
VA
Incorrect information on your report
Vehicle loan or lease: Loan
Account status incorrect
Complaint: For the last 21 months, we have paid our monthly payments for our Santander auto loan. However, Santander continues to report the debt as charged-off. The vehicle is now, and always has been, in our possession. Santander is falsely reporting the debt as charged-off to the credit bureaus, while accepting payments from us and listing the account as Active on their website. We need Santander to correctly report our credit to the bureaus, as required by law.
Company Response: Closed with explanation
2019-10-01
KY
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
Complaint: As previously reported. I have sent documents to Santander Consumer for the money owed to myself. I have called and got no where with them to receive the payment they mention. I have sent the information they requested to their legal department and still have gotten no where.
Company Response: Closed with explanation
2019-09-30
Columbus, GA
Getting a loan or lease
Vehicle loan or lease: Loan
Problem with additional add-on products or services purchased with the loan
Complaint: I PURCHASED MY VEHICLE XX/XX/2019, I WENT THROUGH XXXX AND HOT WATER TRYING TO GET MY CAR. THE FINANCE MANAGER SOLD ME A 5 YEAR EXTENDED WARRANTY FOR MY CAR. XX/XX/XXXX I STARTED HAVING ISSUES WITH MY CAR AND I CONTACTED THE WARRANTY COMPANY AND I WAS TOLD THAT I ONLY HAVE A 2 YEAR WARRANTY. I PULLED OUT MY PAPERWORK TO REVIEW ALL OF MY DOCUMENTS AND I NOTICED THAT NEITHER WERE THE ORIGINAL PAPERS AND THEY ONLY GAVE ME COPIES UPON THE DELIVERY OF THE VEHICLE. I HAVE CONTACT XXXX XXXX XXXX XXXX XXXX IN REFERENCE OF THIS MATTER AND NO ONE HAS CONTACT ME BACK AS OF XX/XX/2019. I TALKED TO MRS.XXXX MY CAR SALES PERSON AND SHE SPOKE TO XXXX THE OTHER FINANCE MANAGER BECAUSE XXXX WAS OUT SICK AND THE FIRST THING THAT HE STATED OUT OF HIS MOUTH IS THAT THEY DO NOT COVER ELECTRICAL ISSUES AND NOT ONE TIME I SAID ANYTHING ABOUT AN ELECTRICAL ISSUE, AFTER THAT I HAVE BEEN AFRAID TO PARK MY CAR IN THE GARAGE BECAUSE AFTER DRIVING MY CAR THE ALARM WILL SOUND OF AND REPEAT EVERY OTHER HOUR. MY NEIGHBORS HAS FILED A COMPLAINT WITH THE HOMEOWNERS ASSOCIATION AND IT IS EMBARRASSING. I PAID XXXX FOR THE WARRANTY AND THE PAPERWORK THAT HAS MY SIGNATURE STATES EVERYTHING AND THE PAPERS THAT WAS DELIVERED TO ME DO NOT HAVE MY SIGNATURE. I HAVE ALL OF MY CONVERSATIONS RECORDED TO BACK UP EVERYTHING THAT I AM STATING AND I JUST WANT TO GET THE MATTER RESOLVED ASAP..
XXXX XXXX XXXX XXXX XXXX XXXX reviews XXXX dealer in the XXXX XXXX, Georgia Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX You visited in XX/XX/XXXXHours : Open Closes XXXX Phone : ( XXXX ) XXXX PLEASE HELP ME WITH THIS MATTER.
Company Response: Closed with explanation
2019-09-30
Euclid, OH
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: I got my most recent credit score on XX/XX/2019. I have been trying to get my credit back on the right direction. i cosigned for a friend and they turned the car back in to the dealership and stopped making payments. This account is still reporting on my credit and affecting me from getting the house i want and the car i want. I made a mistake cosigning and now i have to suffer and not get the things i want in life. I asked that santanders remove this account because it is damaging my credit and they are reporting inaccurate payment history i sent a letter in the mail on XX/XX/2019 and never got a response. I ask that this account please get removed from my credit file i cant qualify for a car to get my children to school and get my self back and forth to work.
Company Response: Closed with explanation
2019-09-30
MI
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
Complaint: In XX/XX/2016 I obtained a leased vehicle from XXXX XXXX for a XXXX XXXX XXXX and I was told that I had unlimited mileage at the end of my lease that was paid off. I then in turned got truck and there was no financial advice on getting into this vehicle and now this has left me with a {$20000.00} mileage overage which has damaged my credit. bringing my credit score down from a XXXX to low 500 's. I am now in distress over this. I have never been late on any payments my credit to shambles. I called the company Chrysler Financial and complained to them as well as the Dealership. The salesmen told me it's on you now. This is very frustrating, I am suffering financially now due to this event. I also want them to reimburse for the interest charges as well as the damages to my character. My credit is in shambles.
Company Response: Closed with explanation
2019-09-29
Quartzsite, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This will be second attempt to try to resolve my matter with Santander Consumer USA. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.
Company Response: Closed with non-monetary relief
2019-09-29
Far Rockaway, 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
2019-09-28
Jupiter, 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
Problem with personal statement of dispute
Complaint: I have been in communication with Santander Consumer numberous of times via phone and have also written to them demanding that they show me where the balance of {$310.00} is coming from? Was it interest? was it other charges? Representatives on the phone are only assuming it is interest and upon digging for more, they don't know where the balance is coming from after my insurance and gap paid off my auto loan, the balance was only {$23.00} in which I paid in XXXX but somehow a new balance came up and no matter how many times I ask and demand that they tell me where balance came from, they are unable to tell me or provide an itemized statement. After many months of Santander defaulting my credit and finally charging off my account. I argued but was exhausted and so I paid off the {$310.00} not knowing my rights to receive an itemized bill and not knowing that I can still dispute it. Please help. I have contacted them in several occasions and have mailed letters. On the phone they say they are unable to contact their accounting department nor give me a phone number or address to reach them.
Company Response: Closed with explanation
2019-09-27
Lexington, NC
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {$15.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {$50.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.
Company Response: Closed with explanation
2019-09-27
Milford, CT
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with monetary relief
2019-09-26
Bridgewater, VA
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {$3000.00} ) and inflated a demand for payment to {$13000.00}.
Company Response: Closed with explanation
2019-09-26
Warrenton, VA
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem with paying off the loan
Company Response: Closed with explanation
2019-09-26
Martinsville, VA
Can't contact lender or servicer
Payday loan, title loan, or personal loan: Title loan
Complaint: I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, North Carolina in about XXXX. It was financed through Santander Corporation. At the time of the loan and currently I live in XXXX, Virginia. I paid off the loan as agreed, maybe a few months early about XX/XX/XXXX. Santander sent me a letter stating that my lien was satisfied. When I carried this letter to the Virginia DMV in XXXX to get my title, I was informed that the car had a lien in Tennessee held by XXXX XXXX so Virginia could not issue a title. XXXX XXXX is now XXXX XXXX and an office employee there says they don't have XXXX XXXX XXXX. I now have a car that I paid for last XXXX and I have no title for it. I have written letters to Santander, Virginia DMV, XXXX XXXX and XXXX XXXX with no luck in getting my title. I have been on the phone for hours with Santander, Virginia DMV and XXXX XXXX also with no success in getting a title.
Title # XXXX VIN # XXXX
Company Response: Closed with explanation
2019-09-25
Jupiter, 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
Was not notified of investigation status or results
Complaint: I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request.
This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
Company Response: Closed with explanation
2019-09-25
NY
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: I contacted the bank in order to get the late payments removed so be able to refinance my car and they wouldn't do it they said they don't give forgiveness on that matter due to my payments being so high now its kinda hard for me to keep up with the payments
Company Response: Closed with explanation
2019-09-25
Danbury, CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX {$240.00} DATE OPENED ON XX/XX/XXXX
Company Response: Closed with explanation
2019-09-25
Cleveland, OH
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
2019-09-24
VA
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: Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response: Closed with explanation
2019-09-24
Clermont, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I should not owe still 4 years later over XXXX Started this loan at XXXX and its now XX/XX/XXXX and I still owe XXXX XX/XX/XXXX I sent them over {$1200.00} as they claim I owed misc fee 's and late fee 's and return check fee 's which is not accurate at all, I been making my payments weekly and it seems over the years if my payment came in the XX/XX/XXXX when it was due theXX/XX/XXXX they fee my account. says my maturity date is XX/XX/XXXX was told today it won't be the case now with all this money paid my payments haven't started going straight towards principal as this loan is going into its 5th final year, I get lied too every-time I speak with someone I get a different story, I am sure if and when I deferred payments they added more and still took payment from me, I was charged when I deferred years ago, something is NOT right about this loan and I am looking for an attorney as well someone keeps adding fees to a vehicle that should be paid off XX/XX/XXXX I have much more documents I can send I have saved every chat and every letter.
This Loan was not by any chance explained by the dealership this was sent years ago to them ( Santander ) my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit wasn't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, their interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase in our loan, which should be decreased as we make our payments that even thou our loan is due the XX/XX/XXXX of every month because they receive it from our bank on the XX/XX/XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until I saw this on our credit report, so I called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape 80 thous miles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there are no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I can't believe we are not the only ones please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
Company Response: Closed with non-monetary relief
2019-09-24
Washington, DC
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Closed with explanation
2019-09-24
Saint Clair, MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Santander Consumer USA is reporting incorrectly to XXXX ; XXXX and XXXX a charge-off on the SANTANDER CONSUMER USA account number XXXX. ( Please see page attached from my credit report. ) Santander misappropriated a payment that caused the late unnecessarily. By not correctly applying my payment, this error has started a chain of events that is seriously harming my credit score. This account is currently reporting as a charge-off. I have the vehicle and I make the payments on time. This account needs to be updated to report accurate information and/or deleted. I have contacted Santander as well as the ( 3 ) credit bureaus to resolve this incorrect reporting however, I have not been successful.
Company Response: Closed with explanation