SANTANDER CONSUMER USA HOLDINGS INC.


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"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

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 5972267

Date Received: 2022-09-13

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: On XX/XX/2022, I sent CHRYSLER CAP a notice of unauthorized inquiry that has caused damage to my credit file. By law CHRYSLER CAP had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give CHRYSLER CAP any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior

Company Response:

State: MI

Zip: 48182

Submitted Via: Web

Date Sent: 2022-09-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5971633

Date Received: 2022-09-13

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: Please provide documentation that the account SANTANDER XXXX with a Balance Owed : {$0.00} belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.

Company Response:

State: TX

Zip: 77449

Submitted Via: Web

Date Sent: 2022-09-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5971452

Date Received: 2022-09-13

Issue: Incorrect information on your report

Subissue: Old information reappears or never goes away

Consumer Complaint: Over several years I have disputed this entry on my credit report through the three major credit reporting bureaus XXXX, XXXX, and XXXX. This information remains even though the account has been paid off.

Company Response:

State: NV

Zip: 891XX

Submitted Via: Web

Date Sent: 2022-09-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5970931

Date Received: 2022-09-11

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: I purchase new care from XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase XXXX owner sold my loan to Santander USA which is a subprime auto lender affiliated w/crysler which was on same lot as XXXX Dealership and owned by same man. Santander was sue by 34 states in XXXX for deceptive and unfair business practices. I've had my car 3 years on XX/XX/XXXX and I don't even own a tire on the car. Santander has taken all my pmts interest only and my APR is 26.32 %. I'm XXXX yrs old. Santander has submitted negative info to credit agencies and I've been forced into oppressive conditions unable to trade in or refinance car. I've been put in a position to default or continue to let them steal my money. I was sent email XX/XX/XXXX that {$4200.00} was paid in principal but now I'm told it was a mistake.

Company Response:

State: CA

Zip: 92026

Submitted Via: Web

Date Sent: 2022-09-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5969422

Date Received: 2022-09-10

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I sent a paper dispute to XXXX, XXXX, and XXXX via certified mail about the account on my reports, XXXX XXXX on XX/XX/XXXX. I've disputed many times online between XXXX and XXXX with the bureaus and the company. I have requested for the contract I signed to be sent to my home via US mail so that I may verify this account. Dispute results always state the information has been verified with the bureau by the company. I still have not received any documents which I've requested. The account is showing on my credit reports as current. It shows " Paid '' account status on the XXXX and XXXX reports and " closed '' on the XXXX report, but all reports show that payment status is current. How can a closed/paid account status be current when there have been no payments? I have no knowledge of this account and I have not verified the account. Santander/Chrysler Cap is on my XXXX and XXXX credit reports. The previous amounts owed and initial contact amounts are unverified. Santander has a class action lawsuit filed for predatory and deceptive practices with customers. I have never signed any contracts with Santander. I have disputed the accuracy of the account and the amount owed between XXXX and XXXX online and via US mail with bureaus and the company. Nothing has ever been sent to my home to verify this debt. This debt was included in a XXXX XXXX bankruptcy file on XX/XX/XXXX and discharged on XX/XX/XXXX. All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. The XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory " account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX. Sold to XXXX XXXX XXXX '', and my XXXX report as Open and " current ''. I have been disputing this account online and via email from XXXX to XXXX with the bureaus and the company. Account statements change, The account changes from open to closed, then closed to open. How can an account that has been discharged in a XXXX XXXX bankruptcy be open and current or have any other description outside of " discharged in XXXX XXXX bankruptcy ''? Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that I be disclosed all the documents that have been recorded and retained in the bureaus/company 's files at the time of my request concerning the accounts that are reporting in my credit reports. If there isn't any documentation in the files to verify the accuracy of the disputed accounts, they should be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these bureaus are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In two years of disputes, the bureaus and companies have been unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed above within 30 days of all my dispute letters/attempts. Therefore, these bureaus must remove these accounts from my credit reports.

Company Response:

State: GA

Zip: 303XX

Submitted Via: Web

Date Sent: 2022-09-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5960530

Date Received: 2022-09-08

Issue: Incorrect information on your report

Subissue: Information is missing that should be on the report

Consumer Complaint: My car stolen and I informed Santander police and Santander would not retrieve auto the Lawyer Stated insurance refund was lower than XXXX and didnt contact tow yard or me the XXXX lost keys and I paid only XXXX XXXX Santander refuses insurance and my offer of payments. Would not negotiate or communicate with me. This credit reporting leaves these facts and tells me that there is No police report for theft or that the XXXX XXXX stopped in Ca and drove thief back to Nevada border Thief reckless driving,

Company Response:

State: CA

Zip: 90731

Submitted Via: Web

Date Sent: 2022-09-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5958244

Date Received: 2022-09-07

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.

Company Response:

State: TX

Zip: 77584

Submitted Via: Web

Date Sent: 2022-09-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5955509

Date Received: 2022-09-06

Issue: Problems at the end of the loan or lease

Subissue: Unable to receive car title or other problem after the loan is paid off

Consumer Complaint: He had a XXXX XXXX XXXX model car which had a cost of {$16000.00}, he had been paying for it for approximately 3 years without any problems. This year, in the month of XXXX, I called so that they could make an adjustment in my payment, they said that it would be possible, but in the month of XXXX, they repossessed the car. Situation that I really did not understand because they had reached an agreement with me. They tell me that I have until XX/XX/XXXX to refinance the car or pay the amount I owed. When I called and paid for the car they told me that it was no longer possible because it was bad communication with me and it had to be a day before. They accept that they were wrong but there was no remedy.

Company Response:

State: FL

Zip: 33823

Submitted Via: Web

Date Sent: 2022-09-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5955500

Date Received: 2022-09-06

Issue: Problems at the end of the loan or lease

Subissue: Unable to receive car title or other problem after the loan is paid off

Consumer Complaint: In reference to SANTANDER CONSUMER USA recent CFPB response dated for XX/XX/XXXX, XXXX SANTANDER CONSUMER USA states that " We have reviewed the account and we are unable to locate communication with you on XX/XX/XXXX. '' Attached to this complaint is all evidence of the correspondence between myself and SANTANDER CONSUMER USA. Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. Also Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. A copy of the the original receipts from the USPS confirming the proof of mailing and copies of the USPS tracking information confirming the proof receipt from SANTANDER CONSUMER USA has been provided for review for the CFPB and SANTANDER CONSUMER USA as well. SANTANDER CONSUMER USA agreed to terminate the previous agreement with me and to remove the alleged lien on said property : XXXX XXXX XXXX Vin number # XXXX in the XX/XX/XXXX agreement. SANTANDER CONSUMER USA agreed on these term XX/XX/XXXX.

Company Response:

State: OH

Zip: 44122

Submitted Via: Web

Date Sent: 2022-09-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 5953521

Date Received: 2022-09-06

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: In XX/XX/2022 I decided a voluntary repossession would better suit my situation, and on XX/XX/2022 the car was sold at auction - the Fair Market Value of the car was greater than the sold amount and so they applied the XXXX to the balance. I received a deficiency notice in XX/XX/2022, and that said my balance was {$2200.00}. On XX/XX/2022, I settled with Santander Consumer USA for {$580.00} and we agreed to 3 payments between XXXX, XXXX and XXXX. I made my payment on XX/XX/XXXX and I found out they applied the payment to interest - but they put my account as charged off ; a charged off account can not accrue interest. My credit reports show a balance of {$1200.00}, my online portal with Santander shows a balance of {$730.00}, and the settlement letter from Santander shows a balance of {$1400.00}. I refuse to continue to pay towards a settlement when they refuse to report correct balances, lie to me every time I inquire of these discrepancies over the phone, and put my payments towards interest that shouldnt exist.

Company Response:

State: CT

Zip: 063XX

Submitted Via: Web

Date Sent: 2022-09-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.