Date Received: 2022-01-11
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/XXXX I applied for a auto loan through XXXX XXXX of XXXX. On XX/XX/XXXX after taking possession of the car I realized that the dealer lied on documents saying I only made half of what I actually make monthly. They stated that i have a monthly income of XXXX dollars monthly when I in fact make choose to XXXX dollars a month. Santander XXXX XXXX is who agreed to finance the loan. With a APR of 24.07 % at 75 months for a XXXX XXXX XXXX XXXX with a sticker price of XXXX, I'll have paid an additional {$24000.00} for this car over the life of the loan. More than 2 times the actual value or asking price. I contacted Santander on XX/XX/XXXX to use what my options were as far as a cooling off period to possibly return the car without a penalty to my credit. At that time they claimed to have 0 record of me, my account or my vehicle. Santander just recently settled for some odd XXXX XXXX dollars for providing predatory auto loans so this seems to be a common practice of theirs
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Dealing with Santander consumers has been a nightmare! I made a mistake by accidentally paying 2 car notes in one month. Since I needed to be reimbursed for one of the payments I contacted Santander as well as chase ( my bank ) for details on reimbursement. My bank was able to reimburse me the extra payment and later contacted Santander for a refund. Instead of Santander refunding my bank.. they marked the car as said off. Sent me my title and dropped a 30 day LATE PAYMENT on to my account. This ultimately resulted in my credit score dropping over 75+ points. My auto loan was paid every month on time. This company reported a false delinquency out of spite. I am asking that action is taken to remove this false Delinquent claim
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My current car loan company has had me at a 45 day deficit since the very beginning of my loan. The first payment I brought to the dealership as advised by the dealership. At the end of XX/XX/XXXX Santander Consumer reached out and infomed me that my first payment had not been made. I told them that the dealership said they would be making the first payment and when they called me again mid XX/XX/XXXX it was apparent that no payment was going to arrive. At santaders request I went to the dealership because they wanted a written letter saying that they took cashiers check but did not send it into santander as payment. I didnt think that a company would write a letter where they admited theft but I went to dealershop anyway. No one seemed to remember waiting on me and they all pointed to the next person. So, I told santander that I wasn't going to be able to get much more out of them but what could i do to fix it. I immidiately made a payment and the salesman on the phone said that if I made another payment asap we could move my due date to the XXXX of the month effectively altering the contract by 15 days and then i would be on time. So i made a payment before XX/XX/XXXX and continued to pay 3 to 4 days before the XXXX of the month cause I was instructed that it would take a couple days and so I didn't want to be late. When I checked my credit report XXXX of XXXX Santander Consumer has reported that I have been 30 and 60 days delinquent 8 times in the past 3 years where according to my accounting i've only ever been 17 days late and in that case I ended up making a double payment as my next payment and then without missing a amonth continued paying normally. It took about 5 months of calling and trying to figure out where these delinquecies came from when I just got this information from a rep yesterday. I have been 45 days late always. They never moved my due date nor did they change anything at the begninng of the loan so my XXXX and early XX/XX/XXXX payments didn't seem to catch me up at all and because I was paying at the XXXX of the month I was 30days late plus 15 days because my actual due date is the XXXX of every month. This is information I was never told and after speaking with the company so very often i am confused as to why no one mentioned that i was paying every month at the wrong time and or that i was already 45 days late from the get go. So XXXX and XX/XX/XXXX payment counted for XX/XX/XXXX and XX/XX/XXXX so my next payment in XX/XX/XXXX meant that XX/XX/XXXX was the last time i paid technically because that's what they never honored their own suggested plan of action to get current. Nor was i informed that i was not current. Operating as if I was paying on time at the right time you can see that throughout the last 3 years my payments are steady and adhere to the assumed due date only going 17 days late once, which they recorded as 72 days late. It took me 5 months for everyone to figure out why anything was considered delinquent, I believe that this is a total abuse of power and cost of loan and interest and delinquency is a required piece of information to report not just to the credit bureau but also to the consumer. Over the course of 30 months never once did they question my payment schedule or comment on my always 45 day deliquency. I did however speak to someone at the company at least once every 2 months and in XXXX of XXXX even spoke with someone about the change of my intinal due date because of the theft of the first payment to which no counter information was given at that time, no information I said was refuted and I took that as a verification that I was paying on time and on the correct date. They claim that they are reporting correectly and that i was delinquent and that is the end of the convo.
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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: i noticed an account on my credit report i immediately contacted all parties and the XXXX credit bureaus XXXX fixed the error but XXXX and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I recently had a conversation with a representative from Santander concerning a deferment with XXXX and/or XXXX car payments. I was directed to the loan officer there and she questioned me about why I needed a deferment and why was I not able to pay my bill. She went to say I had been late 7 other times during the possession of my vehicle. She wanted to know why, and then she asked me why my husband could not make payments. She then asked me why to keep my car if I am not able to pay or how was I going to keep something that was making me unable to keep paying for it. I replied, dont worry I am not losing my car, then I hung up. I called to try to be proactive and the representative was so mean and horrible in how she spoke to me. Right after our conversation, I received a letter that was typed on XX/XX/XXXX, stating XXXX and XXXX payments must be made by XX/XX/XXXX or repossession. I attached a copy of the letter.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I the consumer purchased by XXXX XXXX XXXX on XX/XX/XXXX from XXXX and the original loan was through Santander Consumer USA without my consent my loan was bought out by XXXX XXXX XXXX and it was last reported on my credit report XXXX 1XXXX.I the consumer would like to file a complaint for the misuse of my information and it being traded to another company without my knowledge.
Company Response:
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account was paid in full I see on my credit report it shows as a charge off which is a direct violation of my rights as a consumer per fca I paid the account in full since its mentioned as a charge off on my credit reports ANY PAYMENT INFORMATION surrounding the account should be removed and not available remove any late fees surrounding this account as Ive already taken care of the debt this is a violation of my rights regarding this account I never received any notification for this account only whats placed on my score which is also a direct violation of my rights as I have to be notified REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit Or I will move forward with litigation there are numerous clas action lawsuits against this company for invalid reporting and NO NOTIFICATION SURROUNDING DEBT
Company Response:
State: IL
Zip: 60505
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Santander Consumer USA is holding my vehicle unlawfully and refuses to disclose the location of my vehicle. I am the Bona fide Lien Holder of the vehicle. I have the physical possession of the title, and the lien satisfaction letter. Santander Consumer USA is trying desperately to avoid detection by the CFPB regarding numerous violations. On XX/XX/XXXX, Santander Consumer USA unlawfully repossessed my vehicle. I financed my vehicle through Gateway One Lending & XXXX. Santander USA has never been my lien-holder. Santander acquired Gateway One in XX/XX/XXXX. I later discovered thru XXXX report, Lien with Gateway One satisfied on XX/XX/XXXX. Santander Consumer USA assigned XXXX XXXX XXXX to do the Repo. XXXX XXXX assigned XXXX XXXX XXXX ( XXXX ) to do tow recovery. Notably, XXXX tow driver initially reported to his employer XXXX, XXXX XXXX and Santander that he retrieved the vehicle from XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. But the Repossession Notification indicated that tow agent recovered vehicle on XX/XX/XXXX at XXXX pm. Tow driver also reported that police were notified of the tow on XX/XX/XXXX. And it was not until after I spoke with XXXX Compliance ( XXXX XXXX on XXXX, did XXXX on XXXX call police dispatch and change the location of where the tow driver reported the vehicle was recovered. On XXXX, XXXX ( XXXX XXXX stated that tow driver reported that he towed the vehicle from XXXX XXXX XXXX at XXXX pm. And XXXX was surprised to discover that vehicle was not recovered from that location. XXXX asked for the address and I informed that vehicle taken from a restaurant parking lot. Also, I informed that there was a breach of the peace on XX/XX/XXXX. XXXX ( XXXX XXXX confirmed that tow agent did not report there was an altercation in the restaurant parking lot on XX/XX/XXXX. Also, on XXXX, earlier that day, I spoke with Santander USA and XXXX XXXX who both said that XXXX tow driver reported vehicle taken from XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. Also, both Santander and XXXX said the tow driver did not notify of the breach of the peace that occurred on XX/XX/XXXX. Both Santander and XXXX said that tow agent reported that he notified police on XX/XX/XXXX. In response to the breach of the peace, Santander said in its CFPB response dated XX/XX/XXXX, It had no control over the policy or procedures of the repossession vendor, nor can we, confirm any of the actions, or comments mentioned in my statement against XXXX XXXX XXXX as they are a separate entity. However, on XX/XX/XXXX. XXXX of the Executive Office called and said she was informed of the altercation between the tow agent and me. XXXX asked and I confirmed that a police report for a stolen vehicle was filed on XX/XX/XXXX. XXXX said that she would send a claim packet so that I could make a claim against XXXX XXXX and the tow agent XXXX XXXX XXXX XXXX, XXXX ). But Santanders Executive Office ( aka so-called internal legal department XXXX never sent the claim packet. Also, notably, when asked, XXXX said that they did not have an internal legal department. Santanders Executive Office was complicit in the coverup of the breach of the peace and unlawful tow. XXXX said in its CFPB response dated XX/XX/XXXX, After the repossession was complete and the vehicle was on hook and the driver was leaving the parking lot, that it noticed someone yelling, but could not ascertain to whom the person was calling. But during the call dated XX/XX/XXXX, XXXX Compliance ( XXXX XXXX said the driver reported that he informed me that it was a repossession and left automatically. I said I never had a conversation with the tow driver. And had I been informed of a repossession, I would not have made a stolen vehicle report on XX/XX/XXXX. XXXX retorted there was another person with me. How would XXXX know this if the tow driver reported earlier to his employer XXXX and XXXX XXXX that he never had any contact with me? I asked XXXX if police were called and XXXX hesitantly said the police were called on XX/XX/XXXX. I said the XXXX XXXX Police Incident Detail Report showed that police dispatch were notified on XXXX. Caught in a LIE, XXXX requested that I email the Incident Report to her. On XXXX XXXX tow agent reported to XXXX XXXX Police Dispatch that he towed/recovered my vehicle from XXXX Restaurant XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX pm, giving the appearance that he towed the vehicle on that day. Totally contradicting his earlier report that he took the vehicle from XXXX XXXX on XX/XX/XXXX at XXXX pm. Note : The tow occurred on XX/XX/XXXX, not on XXXX. So, this tow agent, his employer XXXX, XXXX XXXX and Santander USA had my vehicle in their unlawful possession for XXXX ( XXXX ) days before the tow was reported to police dispatch. The Incident Detail Report also noted the discrepancy that tow Occurred on XX/XX/XXXX, but tow driver called in today ( XX/XX/XXXX ), XXXX days later than what tow driver reported to XXXX, XXXX and Santander. XXXX, XXXX XXXX and Santander had my vehicle in their unlawful possession for 5 days before the tow agent reported on XXXX. And my vehicle continued to be in their unlawful possession since their actions violated city, state and federal laws. And on XX/XX/XXXX, Santander secretly and maliciously transported my vehicle across state line for auction. On XX/XX/XXXX XXXX checked the VIN and noted that I am the Title Holder and Gateway One the loan originator. Neither XXXX XXXX nor XXXX checked the VIN before they assigned and/or executed the repossession. On XXXX, after I advised the XXXX tow yard manager ( XXXX ) that tow driver falsely reported where he retrieved the vehicle and he breached the peace, XXXX gave me the number for XXXX Compliance and advised that I call. XXXX said the tow driver was already in a little bit of trouble, and retorted you didnt hear that from me. I called XXXX Compliance and spoke with XXXX who noted the discrepancies in the tow drivers report. XXXX said she needed to do further investigation, and she would call back shortly. Two hours later I called back and noticeably XXXX had a different demeanor. After speaking with XXXX Compliance, I advised XXXX that I spoke with Compliance ( XXXX ). On XXXX, XXXX said the following : XXXX had not sent over RELEASE and she had informed her home office too, just to make sure. And they do, XXXX automatically uploads onto the system. So we just pull it, soon as it goes on it, we see it. And its not on it. So you may want to call XXXX and ask them wheres the RELEASE? XXXX said once she had that she could release it ( Vehicle ) to me no problem. So, on XXXX XXXX acknowledged that tow/repossession was unlawful and XXXX had XXXX lawful right to continue to hold my vehicle. But XXXX at the behest of Santander USA and XXXX XXXX refused to release my vehicle on XXXX. And on XXXX, XXXX XXXX, XXXX complicit with Santander Consumer USA covered up the unlawful repossession ( THEFT ) and the breach of the peace. And on XX/XX/XXXX XXXX XXXX at the behest of Santander USA transported the vehicle across state line to XXXX XXXX for auction. On XX/XX/XXXX, I faxed documents to Santander USA and XXXX showing that I am the owner of vehicle. I also spoke with XXXX XXXX who said it would not release vehicle until it received authorization from Santander. I also called XXXX to confirm receipt of the fax. I spoke with Compliance ( XXXX XXXX who was rude and exhibited XXXX overtones. XXXX said she would not release the vehicle until Santander told her to do so. I also called Santander on XX/XX/XXXX. Notably, the call disconnected twice. I spoke with XXXX of Santanders Executive Office who said that Santander was still reviewing the CFPB COMPLAINT filed on XX/XX/XXXX. XXXX asked for an additional 48 hours to review the complaint. XXXX said she would have a response by Tuesday XX/XX/XXXX. But I received no response to my CFPB complaint and on XX/XX/XXXX, Santander instructed XXXX XXXX to transport my vehicle across state line for auction. I did not receive any notice from Santander regarding auction location, date and time. Santander Lied on XX/XX/XXXX, to prevent me from getting my vehicle over the weekend. On XXXX, I filed a CFPB complaint. On XXXX, I received an encrypted secured message from XXXX of Santanders Executive Office. XXXX said, My name is XXXX and Im your resolution specialist here at Santander Consumer USA. Could you please provide me the best phone number to reach you, as well as the best time to contact you. Please note that XXXX secured message was sent only two days after I filed the CFPB complaint dated XXXX. On XX/XX/XXXX, I called XXXX direct extension and informed that he was unavailable. The call was transferred and I spoke with XXXX of Santanders Executive Office. XXXX said the feedback expressed that I wanted to speak to someone about an issue on the account. He said that XXXX reached out to get some further details of what that issue was and how we can assist you. I said that was not my complaint. I did not reach out to Santander to provide or get any feedback. I made a CFPB complaint against Santander for violations, and Santander reached out to me. I filed a CFPB complaint on XX/XX/XXXX and received a secured message shortly after. I said I didnt know what feedback Santanders waiting on because I dont have any feedback to provide to them. I noted in Santanders CFPB response dated XX/XX/XXXX, that Santander asserted, effectively XX/XX/XXXX, all titles held by Gateway were sent to Santander Consumer USA. Further, Santander said that when the account balance is satisfied, it will process the release of the title including removing the lien held by Gateway. Notably, Santander USA inadvertently admitted that the TitlXXXX was held by Gateway. On XX/XX/XXXX I spoke with SC XXXX who said the Title was released to me on XX/XX/XXXX, and asked if I received the title. I said no and the agent asked me to confirm my special mailbox. The Agent confirmed that the title was sent to this address. XXXX noted that duplicate title sent on XX/XX/XXXX. I confirmed receipt of the duplicate title. Agent said there was no need to be concerned about the original title since I had the duplicate title. XXXX said the original title voided since I had the duplicate, and that no one could do any thing with the original title. And on XX/XX/XXXX, I contacted XXXX. I said that I was informed by XXXX that my Title was previously sent to my XXXX XXXX XXXX I said that I never received the original title and asked if she would confirm the address where it was sent. The XXXX Agent said that it was not sent to my XXXX XXXX XXXX it was sent to a NC address. I asked for the address, but she could not provide for privacy concerns. I retorted I am the owner of the vehicle ; you cant tell me where my title was sent? XXXX said you can request that information in writing. I said that I recently requested and received my XXXX History, but didnt see that information in there ( I later found that information in the report ). She asked me to hold to speak to someone about getting this information. While holding, I remembered that XXXX Auction is in XXXX NC. I googled the address for XXXX and when XXXX returned, I asked her to confirm whether that was the address where my original title was sent? She said, Yes. She asked if this was the address for the lien holder ( Gateway One ) who released the lien on XX/XX/XXXX? I said NO! Gateway One is in California. She retorted perhaps thats Santanders address? I said they are in Texas. I said thats the address for XXXX XXXX, the auction yard that held my vehicle from XX/XX/XXXX until it allegedly sold on XX/XX/XXXX. Santander sent my Title to XXXX XXXX on XX/XX/XXXX. Both Santander and XXXX knew before and after receipt of that title that I am the lien holder of the Vehicle. On XX/XX/XXXX, XXXX of the Executive Office also said that Santander was the lien holder until the vehicle was paid in full. I retorted, how can Santander claim to be the lien holder when Im standing here looking at my title? XXXX said, you may have a copy of the title. There are different documents we can send out to customers for them to register the vehicle. I retorted that I received my title from SC XXXX. I am the owner of the vehicle. I just paid my taxes, and my insurance is current. I said that I spoke with XXXX who said they dont know anything about Santander or a repossession. XXXX said that I am the lawful owner of the vehicle. The lien was satisfied through Gateway One on XX/XX/XXXX. XXXX apologized and said he would forward this info to XXXX, so he could review further. He apologized saying its showing one way in our system. And said that he definitely believed what I was saying. XXXX said theres obviously some type of discrepancy. XXXX asked that I take a picture of the Title showing that vehicle or lien is under my name and there is no lien on the vehicle. Notably, Santander USA is still asking me to provide a copy of my title. XXXX said that XXXX could have that as part of his review to determine the next steps. I told XXXX that I would not get off this phone until I find out where my vehicle is. You ( Santander ) had my vehicle for five ( XXXX ) XXXX months. XXXX said the vehicle sold at auction. I asked what the vehicle sold for? XXXX initially said {$15000.00}, and then pulled up more detailed info. XXXX placed me on hold so he could pull up the full breakdown. When the call resumed, XXXX apologized saying he misspoke. XXXX said the sales price showed {$25000.00}. XXXX confirmed there is no balance. I asked for the deficiency letter. XXXX said there is no deficiency letter. I said if the vehicle sold, Santander should have provided a letter to me. XXXX said if a deficiency letter sent out, it would have been system generated. XXXX said that when he forwarded this info to XXXX, he would also request that XXXX obtain that Letter so he can send a copy directly to me. Notably, I never received this deficiency letter from XXXX. I said that you should be able to pull that letter up now as we speak. I said I want you to pull that letter up and give me the breakdown of that letter. XXXX nervously said sure and placed me on another hold. When the call resumed, XXXX apologized, saying, he didnt show anything on file for a deficiency letter. XXXX said since there is no deficiency balance, he didnt believe I would receive a deficiency letter. XXXX said that he would let XXXX know thats something Im looking for so he can find out if theres a document somewhere. I said if that vehicle sold, Santander is required to inform that vehicle was sold, including the date, and the amount it sold. XXXX said there is not a document here that he could reference. XXXX never called as requested or contacted me again. I knew that Santanders Executive Office was trying to contain my issues within the Executive Office. I discovered an email address for Santanders CEO and Board of the Directors. I emailed both XXXX and Directors my concerns on XX/XX/XXXX, early Saturday morning. And notably, on XXXX early Monday morning, I received an email and call from Santanders Attorney, XXXX XXXX XXXX. Attorney XXXX said that his firm has been asked to respond to my complaint against Santander. Attorney XXXX said that he tried calling me, but it went to voicemail. Attorney XXXX asked, Can you please let us know when you have time to have a brief call to help us better understand what your complaint is against Santander and what you are asking for? I called Santanders Attorney and spoke with him for about an hour. He claimed that he had the complaint for about five hours, and didnt have much information from Santander . He asked if I would provide a copy of my title, lien satisfaction letter and XXXX report for the vehicle. On XX/XX/XXXX, I emailed Santanders Attorney that I would not disclose these documents since Santander repossessed my vehicle and should already have the title to support that Santander had the lawful right to repossess and subsequently sell or dispose of the vehicle. Notably, I received no response from Santanders Attorney. And on XX/XX/XXXX, I received a CFPB response indicating that Santander was unable to respond to my complaint dated XXXX through CFPB because it involves the same issue raised in a pending or prior litigation between the company and account holder. Please note that on XX/XX/XXXX, I filed a CFPB complaint against Santander Consumer USA for which Santander responded by pretending to review the complaint for several days and on XX/XX/XXXX, Santander secretly had my vehicle transported across state line for auction. On XX/XX/XXXX, I spoke with CFPB who informed that it was contacted by Santander on XX/XX/XXXX and that Santander stated it could not respond to my complaint for the reasons already stated. I told CFPB that Santander never properly addressed my complaint filed on XXXX. I said that Santander has committed several violations and is desperately trying to avoid detection by the CFPB. CFPB noted that Santander Consumer USAs said its legal department would be responding directly to my complaint. Notably, as of date, I have not received any response from Santanders legal department. However, Santander USA sent correspondence dated XX/XX/XXXX, saying that it had received my request for protections afforded by Servicemembers Civil Relief Act ( SCRA ). Notably, I never requested any protections under XXXX. I retired from the military in XXXX, why would I request protections under the XXXX? Moreover, my vehicle was unlawfully repossessed by Santander Consumer USA on XX/XX/XXXX, and allegedly sold at auction on XX/XX/XXXX. So, how would the protections afforded by XXXX benefit me after repossession? On XX/XX/XXXX, I spoke with XXXX XXXX who appeared confused and asked if I requested these protections? Apparently, XXXX XXXX had no record of a request from me for protections afforded by XXXX. Santander fabricated this request to give the appearance that my XXXX CFPB complaint pertained to a request for protections afforded by XXXX. Notably, I received this letter around the same time Santander informed CFPB on XX/XX/XXXX that it was unable to respond to the complaint through CFPB. Santanders legal department never contacted me as stated in their response to CFPB. But on XX/XX/XXXX, I received an email from Santanders Attorney who said that the check received on XX/XX/XXXX was the excess amount of what the vehicle sold for. Santanders Attorney said that hes still investigating the questions regarding title. Interesting, Santanders Attorney was sure the check sent on XX/XX/XXXX was the excess from the sale of the vehicle. But ten days after speaking with him, Attorney XXXX is still unsure as to whether Santander held Title to the vehicle. Bear in mind XXXX days later, Santander still had not provided proof of title or any documents to Attorney XXXX supporting that Santander had lawful right to repossess my vehicle. Also, Santanders Attorney asked that I not contact Santander since hes representing them. However, recent calls to Attorney XXXX have gone unanswered. After receipt of the email dated XX/XX/XXXX, I immediately contacted Santanders Attorney and spoke briefly with him since he had to attend another call. I told him that check was not the excess of what the vehicle sold for since Santander stated in the deficiency letter dated XX/XX/XXXX the vehicle sold for {$10000.00} and that a deficiency balance of {$15000.00} was owed to Santander. Also, in regards to contacting Santander earlier, I said that my insurance provider ( XXXX ) contacted Santander attempting to get documentation supporting that vehicle repossessed and sold on XX/XX/XXXX. Santander USA did not provide notice of repossession or sale to XXXX. XXXX of Santanders Executive Office said he could not speak with XXXX or provide any information without my consent and asked that I call Santander. Also, XXXX told XXXX that hes preparing these documents and said he would send these documents to me soon. I havent received any documents from XXXX or Santander supporting that the repossession and alleged sale of vehicle lawful. Santanders Attorney asked what would you like me to do today? I said that I will file another CFPB and South Carolina Consumer Affairs complaint because Santander unlawfully took my vehicle. I am the lawful owner of that vehicle. I said Santander is only delaying the inevitable. So lets move forward. The Attorney reiterated that he had a call in a few minutes and asked if theres anything he could do today or are you just calling to notify that you are going to be filing a complaint. I said you can go ahead and settle with me or I move forward. I said its been almost six ( 6 ) months and Ive been stressed out over this. Either move forward, get this thing resolved or Im moving forward. Santanders Attorney asked what is your demand and I will take it to them. Santanders Attorney said that he just need to know the number. Said he got another call and he was not trying to be difficult. But if I could let him know the number. Or if you want to email it to me and lay everything out that would be better. I said I would email it to him. Santanders Attorney said he would talk to them and get back with me with their response. On XX/XX/XXXX, I emailed the Settlement Demand Letter to Santanders Consumer USAs attorney. Attorney XXXX did not confirm receipt of the demand. And on XXXX, I requested confirmation. No response from Attorney XXXX. But, I received additional correspondence dated XX/XX/XXXX from Santander. This correspondence was in response to my communications with Santander USA on XX/XX/XXXX regarding XXXX. Again Santander asked that I provide documentation in order for them to review your account for protections afforded by XXXX. Santander said that records indicated that they had not received any documents from me and their searches of XXXX XXXX XXXX XXXX ( XXXX ) do not indicate that I am currently on military service covered by XXXX. Santander is apparently strategizing to close out the fictitious XXXX request to avoid detection and cover themselves with the CFPB. Santander will claim that the XXXX request was closed due to no response. Santander sent me a deficiency letter dated XX/XX/XXXX, asserting that it sold the vehicle for {$10000.00}. Also, this letter indicated that there was a balance due of {$15.00}, XXXX, for which demand was made. But on XXXX, I spoke with XXXX of XXXX XXXX who said the vehicle sold for {$25000.00}. Also, XXXX XXXX said there was no balance. And on XX/XX/XXXX, I spoke with Customer Service ( XXXX ) who said the vehicle sold on XX/XX/XXXX for {$14000.00}. Also, XXXX said a deficiency letter sent, but she was unable to see the letter in the system. XXXX also said there was no correspondence sent out regarding payoff. Notably, Santander gave fouXXXX ( XXXX ) different amounts the vehicle sold for. The calculations in the deficiency letter dated XX/XX/XXXX amounted to {$25000.00}. I subtracted this amount from {$25000.00}, which is a difference of {$490.00}. I noted in the deficiency letter that {$490.00} was Santanders purported cost of selling the vehicle. {$25000.00} + $ XXXX {$25000.00}. Apparently, in Santanders rush to commit fraud, and other wrongdoing, Santander added the cost of selling the vehicle twice in its calculation to arrive at the {$25000.00}. Also, I noted in our conversation, Santanders legal counsel said on XX/XX/XXXX, perhaps the {$10000.00} check dated XX/XX/XXXX was the leftover. But, I argued that if Santander claimed in the deficiency letter I owed them {$25.00}, XXXX, and the vehicle sold for {$10.00}, XXXX, why would Santander send me the proceeds for the sale of the vehicle? I would still owe Santander {$25000.00} plus {$10000.00} = {$35.00}, XXXX. And if Santander claimed I owed them {$25.00}, XXXX, and Santander sent me a check for {$10.00}, XXXX that would leave {$35.00}, XXXX owed to Santander. And if I owed {$25.00}, XXXX as stated in the deficiency letter dated XX/XX/XXXX and the vehicle sold for {$25000.00} as later claimed by Santanders Executive Office, Santander would have owed me {$490.00}. But Santander Consumer USA sent me a check for {$10000.00}. Thats a difference of {$9.00}, XXXX. Am I to believe that Santander sent me this extra money out of the kindness of its heart? Santander sent that check dated XX/XX/XXXX hoping I would accept this check, just go away and not pursue any legal action against Santander. And when I spoke with Santander on XX/XX/XXXX, there was no record of a check sent to me. And the Reinstatement Manager ( XXXX XXXX confirmed through the deficiency letter dated XX/XX/XXXX that the vehicle sold for {$10.00}, XXXX on XX/XX/XXXX. But XXXX said on XXXX that the vehicle sold for {$25000.00}, and no deficiency letter generated or sent to me due to the zero balance. Notably, on XX/XX/XXXX, I received another Secured Encrypted Email from XXXX XXXX, Manager, Complaints Management at Santander Consumer USA. Santanders scripted message said, We recently received feedback that you requested contact in regards to a concern you have. We take these issues seriously and continually seek to improve our processes and products based on consumer feedback. Santander requested that I respond with permission to contact them strictly in regards to this specific concern, including my preferred contact number. If no response received within seven ( 7 ) days, then the issue will be closed until contact is made with our offices. I noted that this message came from the Executive Office. On Tuesday, XX/XX/XXXX, I responded to Santanders secured message. I provided my contact number and requested that XXXX XXXX call. On XX/XX/XXXX, I called Santander and spoke with XXXX of the Executive Office. XXXX was rude and very condescending. XXXX said that he no longer had the account and that I needed to speak with XXXX XXXX. He said he would contact and transfer the call. But later XXXX said that XXXX XXXX is not a Phone Based team and that he was unable to get on the phone. He said XXXX XXXX reached out to me regarding permission to contact because it showed in XXXX ( XX/XX/XXXX ) that you requested something in regards to retired military. So whenever thats the case, we do have to open that up on this end. He reiterated that XXXX XXXX is not a phone based team and would not be able to transfer me. XXXX said he didnt know exactly what was going on with the account, but noted there is activity on the account. XXXX said that he would advise XXXX XXXX that I called and provide the number to reach me. As of date, I have not received any response from XXXX XXXX XXXX or anyone of Santanders Executive Office. Again, I assert that the purported request for protections afforded by XXXX is a ploy by Santander to avoid detection by the CFPB. I have gone back and forth with Santanders utter foolishness and blatant lies for almost ( XXXX ) months and I refuse to allow Santander to harass and oppress me further. Santanders actions are abominable and have affected both my emotional, mental and physical health. I noted that Santander said in its CFPB response, dated XX/XX/XXXX, and notice to sell vehicle that it took my vehicle on XX/XX/XXXX. Santander unlawfully took my vehicle on XX/XX/XXXX. So, even in its response, Santander still cant get its LIES straight. The XXXX, Title, Lien Satisfaction Letter and XXXX History Report clearly shows that I am the lawful owner of the vehicle. After Santander had my vehicle transported to an undisclosed location on XX/XX/XXXX, I called XXXX XXXX on XX/XX/XXXX. The XXXX Agent said Since it already left the tow agents lot, I would have to get with Santander and they will give you the location where its at so you can go and pick it up. Also advised that I ask if they ( Santander ) could do a Take Back where they can bring the vehicle back to me. Moreover, XXXX XXXX said it sent XXXX the Order To Repossess that it received from Santander, implying that XXXX did not verify the XXXX holder before it assigned the vehicle for XXXX. Santander stole my vehicle on XX/XX/XXXX. I asked Santander Consumer USA many times to provide documents supporting that I owed Santander money, and it had the lawful right to repossess my vehicle. And each time, my requests were ignored. I called Santander constantly about this matter, Santander never called me to collect a debt they claimed that was owed to them. Also, Santander Consumer USA would hang up on me, which is strange behavior for a company that claims a debt is owed to them. Also, there is absolutely no credit reporting on this account. So how did Santander make its determination of delinquency? Also, I was told by several Santander USA employees that this was a closed account. And there was nothing there. Again Santander stole my vehicle on XX/XX/XXXX. I have the title and several other documents, including the lien satisfaction letter showing that the lien was satisfied thru Gateway One Lending & Finance on XX/XX/XXXX. Santander USA acquired XXXX in XX/XX/XXXX, and Santander admitted in its CFPB response dated XX/XX/XXXX, that it had my Title since XX/XX/XXXX. Santander fraudulently withheld my title for 1 year and 4 months before fraudulently releasing the original title to XXXX XXXX on XX/XX/XXXX. Santander knew that Im the rightful owner, which explained why Santander feigned to review my CFPB complaint on XX/XX/XXXX, and on XX/XX/XXXX, had my vehicle transported across state line to an undisclosed location. Santander provided no notice of the vehicles location, nor date or time of auction. Also, Santanders more than two month delay to sale my vehicle confirmed that Santander was not the lien holder. Strangely, Santander on several occasions asked me to send them a copy of my title. If Santander had the title since the inception of this matter, why would Santander ask me to send it a copy of my title? I say the vehicle was allegedly sold because Santander could not sale or dispose of the vehicle since it did not hold Title to the vehicle. Santanders actions against me were for the sole purpose of intimidating and extorting money that was not lawfully owed to Santander. On XX/XX/XXXX, My insurance provider contacted XXXX in an effort to locate my vehicle. XXXX said the vehicle sold and XXXX would have to contact Santander about the vehicle, XXXX called Santander and was given the run around before Santander advised XXXX to call XXXX Solutions. XXXX called XXXX who advised that they were assigned to do the Repossession Claim, but was unable to pursue the claim since the account had a Zero balance and I am the Title Holder. But Santander undeterred, fabricated and executed its own repossession claim as evinced in the XXXX XXXX dated XX/XX/XXXX. Santander STOLE my vehicle on XX/XX/XXXX. Santander lied to coverup the unlawful repossession and breach of the peace. Santander LIED in its CFPB response dated XX/XX/XXXX. And Santander LIED in its CFPB response dated XX/XX/XXXX. Also, Santander fabricated a request for protections afforded by XXXX. And Santander continued this LIE in its letter dated XX/XX/XXXX. Also, XXXX XXXX continued this LIE when he sent the secured message dated XX/XX/XXXX. As indicated by their lack of responses to the CFPB, Santander never intended to resolve any issues raised by the Complainant. Also, I noted in my conversation with XXXX dated XX/XX/XXXX, XXXX said the record indicated that the complaint resolved. Santander Consumer USA never addressed my CFPB complaint filed on XX/XX/XXXX. Nor has Santander made any efforts to resolve this CFPB complaint.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX I signed an extension with Santander Consumer USA with the clear understanding from the representative on the phone that after I paid the XXXX payments that I was late on due to issues with XXXX and XXXX that my contract would return to the original agreement. I paid them I think in about 60 to maybe 90 days later, and when checked my credit report it said that Santander was now reporting me as on time, and that all was good. Later about XXXX of XXXX I wanted to trade in the vehicle and so I requested a pay off amount and I was shocked to see that Santander was charging me 62 % interest on my contract. My monthly payment of {$500.00} Santander was applying {$390.00} to interest. An unbelievable 78 % interest rate. And {$100.00} toward the principal. I called the Santander for an explanation and they would keep me on the phone for usually over an hour, then the representative would come back on the phone say that their boss said they would mail me an explanation. Nothing would happen and I would call and it would the same run around. They wore me out. Help me please.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. There is also a billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00}. I do not understand why my account is reflecting {$1800.00} due for XXXX besides XXXX payment {$570.00} that has not been submitted yet.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A