SANTANDER CONSUMER USA HOLDINGS INC.


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"Products" offered by SANTANDER CONSUMER USA HOLDINGS INC. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfers - Domestic (US) money transfer
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 5856096

Date Received: 2022-08-08

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: On XX/XX/XXXX, there was an accident insurance claim filed with our insurance company. Around XX/XX/XXXX, or so there was an insurance check sent for the damages to my XXXX XXXXXXXX XXXX XXXX in the name of my husband and Santander Consumer Finance. We were told to send to them and then it would be sent back to us so our car would get fixed. Today is XX/XX/XXXX, my car never got fixed. We compiled with everything Santander ask from us. They wanted estimates from both the insurance company and the body shop. We got them that. They also ask for some form called a XXXX from the body shop ; as far as I knew they receive that also. My husband called them several times to complain and got know except excuses and the check was still in the account department. I call them today and they tell me that its past the date of the claim to be opened and they never received a final invoice that the car was fixed or the XXXX. How was I supposed to get my car fixed when they had my check? And the estimate was actually {$6500.00} in damages. Ive never been to a body shop where they do work with out an insurance check first. They took my insurance check and put it on my car loan and my husband never even signed the check. Hows that legal. And my car not fixed

Company Response:

State: WV

Zip: 254XX

Submitted Via: Web

Date Sent: 2022-08-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5853692

Date Received: 2022-08-08

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: The companies thats reporting on my report are : Santander Consumer USA XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.

Company Response:

State: NJ

Zip: 07018

Submitted Via: Web

Date Sent: 2022-08-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5852755

Date Received: 2022-08-07

Issue: Credit monitoring or identity theft protection services

Subissue: Billing dispute for services

Consumer Complaint: In XXXX I noticed a delinquency on my credit report from Santander. I purchased a car from XXXX financed by Santander on XX/XX/XXXX. The payments were supposed to begin on XX/XX/XXXX. I'm in the process of moving and despite having mail forwarding set up with XXXX I didn't receive a bill or mail of any kind until XXXX when I received a bill dated XX/XX/XXXX for {$270.00} ( {$260.00} Due + {$6.00} Late Fees ). I contacted Santander, paid the bill in full immediately, and asked why I wasn't contacted sooner. I was told that the phone number Santander had on record for me was XXXX digit off from mine and that they had tried to send mail previously but it was returned. Santander refused to remove the credit delinquency. I don't understand why they would report this against my credit when they incorrectly recorded my phone number and address.

Company Response:

State: FL

Zip: 33936

Submitted Via: Web

Date Sent: 2022-08-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5849929

Date Received: 2022-08-05

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place. They are reporting negative information on these reports. 15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.

Company Response:

State: MI

Zip: 48214

Submitted Via: Web

Date Sent: 2022-08-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5848413

Date Received: 2022-08-05

Issue: Struggling to pay your loan

Subissue: Loan balance remaining after the vehicle is repossessed and sold

Consumer Complaint: They made a offer for XXXX then took the car. They sold the car so how do I owe XXXX still

Company Response:

State: NY

Zip: 11570

Submitted Via: Web

Date Sent: 2022-08-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5847335

Date Received: 2022-08-05

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. Santander Consumer never sent me a XXXX and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!

Company Response:

State: IN

Zip: 46614

Submitted Via: Web

Date Sent: 2022-08-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5846254

Date Received: 2022-08-05

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: My credit report is being reported wrong

Company Response:

State: NY

Zip: 11691

Submitted Via: Web

Date Sent: 2022-08-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5845177

Date Received: 2022-08-04

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Chrysler Capital is reporting that I am delinquent in making payments for a leased XXXX XXXXXXXX XXXX, VIN # XXXX which I leased in XX/XX/XXXX and subsequently purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been making payments to XXXX XXXX, the only lien holder listed on the title. This incorrect, derogatory information has blemished my otherwise excellent credit and is preventing me from obtaining a mortgage. As the dealership that I leased the vehicle from has gone out of business, I called Chrysler Capital s corporate offices on XX/XX/XXXX and XX/XX/XXXX and was transferred from department to department ( Allegiance Team, Lease Buyout Dept., Credit Dept., Platinum Services Dept., etc. ) without any resolution. My last call transfer was to XXXX XXXX, who stated that there appears to be an issue with how the dealer bought out the vehicle. He then advised that the issue will be reviewed, and I will receive a call within 24 hours. Since time is of the essence as Ive already made an offer on a home that was accepted ; and I did not receive that call, I again called Chrysler on XX/XX/XXXX and was informed that the Dealership whom I purchased the vehicle from underpaid Chrysler during the buyout process, and that I must pay the outstanding balance if I want this derogatory information removed from my credit report. Why should I, the consumer that made EVERY payment on time be held liable for one of Chrysler Capital 's licensed distributors error - and Chrysler 's negligence in not realizing that error at the time and accepting the " underpayment '' - that is not fair! NOTES : I went to the dealer location in XX/XX/XXXX and informed them that I wanted to purchase the vehicle. At the time, there was one payment remaining on the lease. When asked if I should make that payment and then purchase, the dealer rep. said No that the last payment will be rolled up into the purchase price. The dealer made a payment to Chrysler in the amount of {$25000.00}, which I was informed by the dealer included the 39th and final lease payment amount of {$420.00}, the purchase option ( buy out ) fee of {$350.00} and any other related taxes and fees. This supports the presumption that the buyout process was flawed, and my lease account was not, at no fault of mine, properly updated and closed out. Also listed on my account as outstanding is the disposition fee of {$390.00} which is waived if the customer purchases the vehicle ( see additional terms on lease agreement ). Lastly, I am in possession of a my vehicle title that shows the only lien holder as XXXX XXXX ; why would Chrysler release a title if funds were owed?

Company Response:

State: NY

Zip: 11212

Submitted Via: Web

Date Sent: 2022-08-04

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5844930

Date Received: 2022-08-04

Issue: Problems at the end of the loan or lease

Subissue: Problem extending the lease

Consumer Complaint: I have tried to resolve this matter with Chrysler Capital directly on multiple occasions and have gotten a run around. Account # XXXX I called to extend my lease and put the account on autopay, I noticed no payment was withdrawn so I made the payments. I then see a late has come on XX/XX/2022. Yet I also received two refunds from Chrysler Capital so I am unsure how this was ever late or what issue is. I also requested payment history and retail installment sales contract which they just sent a letter back informing me that they can't help me either they don't have enough information to help me or they addressed this issue which they didn't.

Company Response:

State: NY

Zip: 11206

Submitted Via: Web

Date Sent: 2022-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5844823

Date Received: 2022-08-04

Issue: Attempts to collect debt not owed

Subissue: Debt was already discharged in bankruptcy and is no longer owed

Consumer Complaint: Santander is in violation of UCC code they were involved in a class action lawsuit for predatory loans on fair treatment of consumers I was one of those individuals they attempted to collect on a debt that was not valid and they have continued to report it on my credit report and I'm unable to dispute them because you're not allowed to continue to dispute a situation or a credit issue more than one time and I would ask that you do a complete investigation and keep me updated thank you so much

Company Response:

State: CA

Zip: 90804

Submitted Via: Web

Date Sent: 2022-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.