Date Received: 2022-01-18
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: The bank Santander Consumer USA, I am waiting for the payment of my refund by Gap Insurance since last year, but the bank does not want to refund the money even though XXXX resided the car and that money was paid to the bank.The bank agrees to have received the check in XX/XX/2021, but has not sent the money to my house due to an error on their part. They ask me to call week after week and they never give me an answer when they will send me my money for a value of {$710.00} that they have in their possession and they don't want to send me.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX, XXXX XXXX ( Beneficiary ), consumer, natural person, and original creditor of an open end credit plan have been violated with a blatant disregard for my rights by Santander Consumer USA. This company is violating a Cease and Desist Order they have claimed to process in communication with me, specifically 15 U.S.C. 1692a ( 2 ) as they continue communication through third parties being consumer reporting agencies in essence not ceasing all communication with i the consumer as consumer reporting agencies are a medium of contact. These actions have gravely damaged my reputation as well as harmed my confidence in the banking system as a consumer. In addition the assignee ( XXXX XXXX XXXX has failed to CC my Right of Rescission under Title 15 U.S.C. 1635 for the security interest given in the null in void contract ( see attached document ). According to the Truth In Lending Act as well as the Equal Credit Opportunity Act 15 U.S.C. 1602 and 15 U.S.C. 1691a, as an consumer, natural person, and original creditor to an open end credit plan i have disputed this alleged debt and have yet to receive any verification under 15 U.S.C. 1692g that i am liable to you for anything. The Finance charge under 15 U.S.C. 1605 was paid at signing ( where you were not present as you weren't at any part of the contract ) and in fact was not properly accredited and applied to the consumer as insurance was not included ( see 15 U.S.C. 1605 ). For further clarity on my position as a Consumer and Original Creditor See ( 15 U.S.C. 1602 ( g ) & ( i ) as well as 15 U.S.C. 1692a ( 3 ) & ( 4 ) ). This company also violated the Fair Debt Collection Practices Act under 15 U.S.C. 1692e ( 4 ), 15 U.S.C. 1692b ( 2 ) & ( 5 ), 15 U.S.C. 1692d ( 1 ) & ( 2 ), and 15 U.S.C. 1692f ( 6 ) ( A ) & ( 8 ) in the communication they sent me stating they processed a cease and desist. Santander Consumer USA is now civilly liable up too { {$8000.00} } pursuit to 15 U.S.C. 1692k, { {$5000.00} } pursuit to 15 U.S.C. 1611 and { {$5000.00} } pursuit to 15 U.S.C. 1640 ( A ) ( i ) totaling at { {$18000.00} } in which Santander Consumer USA is civilly liable to pay me.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I was refinancing from Santander due to very high interest predatory loan amount and interest ( Predatory to XXXX XXXX in pricing from XXXX even though credit score was in the XXXX range ) and XXXX said they could refinance on XX/XX/2021 so I signed up with them for a lower overall payment on the same term. I was also told there was a 45 day account setup and payment schedule to start XX/XX/2021. Well, my payments are on XX/XX/2021 with a ten day grace period. Santander received the refinance contract on XX/XX/2021. The payoff quote amount was {$14000.00}. Santander sent them a check a few weeks after and they charged two months payments and interest from a {$14000.00}. So that means there was two payments taken out of the check that was money I was suppose to actually receive as the refinance remainder. My loan was even higher because of whatever way Santander worked and they have been shady the whole time. I have recordings from both sides and XXXX XXXX blames Santander for the confusion and creative accounting ( stealing/embezzling ). I did not find out they had given me only {$120.00} of the payoff until the XXXX of XX/XX/2021.
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I let Santander know that I never got a car with their company. This is an allegedly debt. I didnt even possess a drivers license when they reported that this alleged debt was created. How can you finance a car without a drivers license. This is sad an a extreme case of identity theft. They sold the debt to XXXX capital. XXXX XXXX says I dont owe them because I let them know that this was identity theft. Santander still tells me that even though they sold it we not attempting to collecting but until we receive payment well continue to report delinquency. So its reporting on my consumer report as a repossession and charge offs every month. Ridiculous
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a statement in the mail today for a {$20000.00} loan made in my name but not by me
Company Response:
State: CT
Zip: 06460
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I am being harassed, threatened, and my private information is being sold to companies that I did not give consent to contact me. I dont feel safe anymore and my personal property was stolen because Santander consumer Usa has shared my private information with 2 other companies and I have an active cease and desist out against Santander . My car was stolen from in front of my friends home on XX/XX/XXXX after Santander violated my right to privacy! They sold my information to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never gave them consent to give out my location information or any of my personal private information to these companies! This is my third complaint against this company with the cfpb and they are continuing to threaten, harass, and abuse me. I dont feel safe with this company continuing to violate my right to privacy along with the numerous other federal laws that they are violating! I have sent this company two affidavits of truths that were never rebutted and a cease in desist. Ive also asked this company for verification of the debt? They have directly violated the fair debt collection practice that states if a debt is disputed the debt collector shall cease collection of the debt. The debt was disputed in XXXX of XXXX and within the affidavit I sent them I specifically requested that my information not be shared and they have not only shared my information with these two companies that came to my friends house and stole my car but also have been reported on my credit report. This is ridiculous the amount of harassment I have endured from this company. They illegally repossessed my vehicle and is threatening to sell my vehicle at an auction on XX/XX/XXXX. And I demand that my vehicle be released and returned to me. I have lost out on business due to my car being stolen and this has caused alot of mental anguish. The company is trying to provide a deceptive contract as validation but I asked them for verification and they never responded. Santander is participating in racketeering activities!
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX La XXXX and the bank Santander Consumer USA for a XXXX XXXX XXXX. I payed a {$1500.00} down payment and agreed on paying $ XXXX for XXXX term of 72 months starting XX/XX/XXXX. On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called Santander to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. Santander claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. I hereby confirm that I have not received any calls from Santander. I also did not receive any mailing correspondence from them, and that after confirming with UPS they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. Santander submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. I believe these claims are invalid because of the following : XXXX I did not receive any correspondence from Santander regarding this. 2- Santander did not have my correct mailing address or my email. 3- efforts should have been made to contact the dealership to get my correct contact information. Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. Santander have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against Santander. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that Santander did not reach me either via email, mail or phone to get the correct credit card number. Please feel free to call me at XXXX to discuss further if needed. Thank you so much
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 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.
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
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: On XX/XX/XXXX I received a letter from Chrysler Capital / Santander Consumer USA Inc dated XX/XX/XXXX that stated " Chrysler Capital does not perform goodwill or courtesy requests to remove accurately reported negative information from your credit report '' ( as shown in attachment ) after I filed my dispute concerning my rights under the FCRA. I inform Chrysler Capital that the information they was reporting was diminishing the value of my consumer credit report and needed them to block and remove it immediately. On or around XX/XX/XXXX I talked to Chrysler Capital / Santander Consumer USA Inc. fraud department and spoke with representatives " XXXX '' employee ID # XXXX and " XXXX '' employee ID # XXXX both XXXX and XXXX had horrible customer service, rude, was yelling thru the phone and using profane language.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A LETTER TO REMOVE THESE INACCURATE INQUIRIES FROM MY CREDIT REPORT WAS SENT XX/XX/2021.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A