Date Received: 2022-08-29
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Life happened, I communicated to Santander, letting them be aware of what was going on, I lost my employment with the school system back in XXXX, back was still able to pay my car note, but it wasn't until late XXXX to early XXXX when things took a turn for me, which I was just working to pay my rent and utilities. Santander repossess my car back on XX/XX/XXXX. I got some information for them about they have sold my car, I only have a few months to go, before it was completely paid off, like {$1600.00} or more. After I was informed that my car was sold, there was no need for me to even try to come up with any money, my car was sold. I got notices for a while, then it stop, knowing that they put me down at the credit bureau. So I received a call and I should have ignored it for the sole purpose, it was unknown, I received a couple of them maybe twice a day, but would not answer them, that XXXX day that I did was in XXXX of this year???? So I noticed that there was a message on my phone, I listen to it, and this lady told me that it was to my benefit to give her a call back ASAP, for it was dealing with a law suite , she did not go into details of the matter, but to return her call, so I did. The person that left the message did not answer the callback, I spoke with someone by the name of XXXX XXXX, and she came across as loud and asked me if this was XXXX XXXX that she was speaking with, I acknowledge her. She then went through this spill of why she was calling and that Santander had this arbitrary company that work for them to contact me. She went on that I needed to paid the balance and if I didn't that I could go to jail, I told her that I have had a hardship because of my employment status and that I could not pay, but as I proceeded to explain, she stops me in mid-conversation to tell me that she may help me but to wait on the phone, while she calls Santander about what happened to me for me to not paid my car note and after it was sold, I found it funny, that she came back on after XXXX seconds to tell me that Santander will accept {$550.00}, but that I need to put a deposit down that same day and I told her that I could not do it, but maybe the following week, she agreed, saying that she will work with me, because life does happen and that that was misfortunate. I also was trying to let her know that I received a letter in regards to Santander wrong doing with their customers that they were giving too high of a percentage in interests, but she over talk me to say that's okay, we will just deal with what's at hand now. So I put a partial down payment of {$150.00}, and that the rest of the XXXX partial of {$230.00} for XXXX and XX/XX/XXXX, which she did get for XXXX the XXXX, I thought about it {$230.00} later and I said that something didn't feel right, so I tried looking up their name and found nothing by that in GA, however, I did find this one in VA, but they spell their name full out. Not like this one that I sent money to already, XXXX XXXX Collect. I also called the XXXX XXXX that I paid for and ( XXXX ) from XXXX helped me out because I could not find this collection, XXXX, suspect that it was a scam, I informed my bank about it and she suspects that it too was a supposable scam too, so she advised me to go and get another bank card, so that they would not get any money out and on her end, she stopped it from going through, like who would reduce the payment to only {$550.00} to settle a debt? Their numbers are XXXX, XXXX, and XXXX ext. XXXX?
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: In XX/XX/2016 when I was finalizing the process of purchasing my car I conveyed to the sales representative that the interest rate was high. He said, after a few months to a year or so to go to a credit union to refinance the loan. I attempted to do that and was denied multiple times. One of the credit unions told me I didnt earn enough for a refinance yet it was the same amount ( SSDI ) as when I purchased my car. I purchased the car believing that I would be able to refinance the loan as advised by the car salesman to refinance the loan. When that didnt work I called the loan originator, Santander Consumer USA . I was denied a refinance because they dont refinance their loans. Im now beyond three years into the loan unable to take the misleading advice of the sales rep at XXXX XXXX XXXX and having failed at negotiating the APR with the lender as Ive had no late payments and paid on time. Im issuing this complaint today because both the car dealership and the bank ( XXXX, # XXXX ) gave the same misleading and deceptive advice. I believe this is a deceptive tactic which is misleading consumers into believing they can do something they may t be unable to do if theyre or on a fixed income. These practices are discriminating against the XXXX such as myself and imprisoning these consumers due to their misrepresentation in marketing the loans with deceptive business tactics.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I am writing to dispute the way that a SANTANDER CONSUMER USA account is being listed on my credit report. They are showing a charge off on my XXXX credit report that should not be there. Santander was ordered to remove the listing from my credit report as part of the Attorney General XXXX of XXXX Over {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Deceptive Auto Loan Practices. I have tried and waited patiently in the dispute process. I have made numerous calls to Santander, where customer service has mentioned to me that they have nothing on file which would cause this to be on my credit report. The credit bureaus continue to report the charge off and show a on record report till XXXX. At this point there should be no mention of this on my credit report at all. Santander continues to harm me financially by not removing this clear violation of a court order off my credit report.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I got a loan from santander consumer USA, I TOLD THEM THAT I JUST HAD PAID THE AMMOUNT OF XXXX $ THE LOAN WAS FOR XXXX AND WHEN I OPENED THE ACCOUNT TODAY TO SEE PAYOFF AMMOUNT MY OAYOFF AMMOUNT IS ALMOST XXXX SO I CALLED THEM THEY TOLD ME THAT MOST OF MY PAYMENT WENT TO INTEREST AND MAYBE JUST 10 % WENT TO PRINCIPAL I CANT AFFORD ANY MORE PAYMENT I HAVE TO FEED TWO KIDS AND IS VER HARD FOR ME PLUS GAS AND OTHER STUFF I NEED HELP TO WORK OUT WITH THEM PLEASE!
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: This complaint is regarding Santander. I have screen shots of the numerous calls that have been made to me, at different times of the day. I could be at home sleeping on my one or two days off I may get or at work, busy with a customer, or a very time oriented task that requires my full attention. I will receive a call from them almost every day. I have had an account now where they call me over 7 days in a row, 9 to be exact. I understand I owe money to them and continue to plan on paying till I pay it back and I have been paying multiple times per month some months when I can afford it. But due to the current economic situation we all face, it's made things harder on everyone. Having a company harassing you, annoying you, taking your enjoyment of things away, stressing you out further, or interrupt you during a very crucial task at work. I do understand I am a little bit behind on it and I have obligations. But due to they keep harassing me it makes me hesitant to want to have a loan with them. It has been causing me numerous problems at work and affecting me and my abilities to do so effectively and efficiently. They stuck me with a nasty interest rate, having tried them and others to refinance the loan to a lower rate or payment. But to no avail, even with a higher credit. I will not accept them being able to break a law and not be held accountable for it, regardless of the circumstances.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: I paid XXXX for the car I took the loan out for with Santander bank and was told none of that money went towards my car payments. This bank caused me to be arrested because they contacted local pct and said to them my car was stolen secondly I kept getting harassed by the police and followed everywhere I went. This bank has also caused me my education and reputation because after arrest I was not accepted to finish my last semester of classes. Thirdly, harassed at my job by calling having individuals that were my higher ups fire me. Contact my housing and had my rent raised to the same amount as my mthly payments. I live in income based housing while I went to school and built myself from being in a family shelter with my children. A class action lawsuit was taken out and they lost forgave everyones loan and they still have that I owed them {$30000.00} way more then the car was worth and plus not adding the money I paid on the car on my credit report.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report 100 percent accurate. These accounts are as following Santander, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am respectfully requesting the deletions of these accounts
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was trying to buy a car and they used my information improperly
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A