Date Received: 2022-01-01
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Violation of my cease and desist. Today is XX/XX/XXXX. I am writing this without the assistance of any person. On XX/XX/XXXX, I submitted a complaint concerning SANTANDER CONSUMER USA ( SCUSA ). I have provided physical proof of how they have VIOLATED my RIGHTS as a consumer under the Fair Debt Collection Practices Act. 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). See CFPB complaint XXXX. Part of my remedy and claim was that SCUSA ceases and desist any further communication with me through any and all mediums. 15 USC 1692a ( 2 ). Communication includes consumer reporting agencies that I have no contract. Consumer Reporting Agencies include XXXX, XXXX, and XXXX. I am a federally protected consumer who asserted my rights under Federal Laws written by the trustees of the United States ( Congress ). I get email notifications from the USPS. On XX/XX/XXXX at XXXXXXXX XXXX, I became anxious when I saw a communication from a debt collector, SCUSA. During my 1hr commute to work, I could not get out of my mind what SCUSA or its representatives had to say to me. I got home around XXXX XXXX and finally got to check the mail, and by XXXXXXXX XXXX, I decided to call the number in the communication. I called XXXX as prescribed in the commutation, which reads, " For any questions, or to request to remove the Cease and Desist from the account, please contact us directly at ( XXXX ) XXXX. See proof attached and labeled as, XX/XX/XXXX - SCUSA Proves Violation of XXXX XXXX XXXX. The automated system did not recognize the account number for the alleged obligation. Even after four attempts, the system said, " I'm sorry that is still not a valid response ; this communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Please hold while I transfer your call to a customer service agent. '' On XX/XX/XXXX, EMPLOYEE ID : XXXX- XXXX said she couldn't find me in the system because her computer froze. She found me after another attempt. She said, " I'm going to send you over to the " SPECIALIZED DEPARTMENT '' that would be able to assist you since I'm from customer service... I'm not able to pull up the account ; they would be able to pull up the account. '' I doubt this department 's mission is to make the consumer feel special. On XX/XX/XXXX at about XXXXXXXX XXXX, EMPLOYEE ID : XXXX - XXXX stated that she couldn't find me in the system and had to refer me to another department. EMPLOYEE ID XXXX - XXXX from the " SPECIALIZED, PLATINUM SERVICES, CEASE AND DESIST DEPARTMENT '' stated I do not have an account after I provided her the account number ending in XXXX. SCUSA has furnished statements and other communications to coerce me into believing I am participating in repaying an alleged obligation that is not mine. 15 U.S. Code 1692j - Furnishing certain deceptive forms. See attachments from complaint ID XXXX and attachments in this complaint labeled as XX/XX/XXXX - SCUSA Proves Violation of XXXX & XXXX. I went back to review 15 USC 1692c ( c ), ( 1 ), ( 2 ), ( 3 ). Below is the only means of communication a debt collector is supposed to have with me, as prescribed by the United States Trustee, Congress. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Based on the dates on the face of the envelope, the communication is willful and knowing at this point. The date on the envelope reads XX/XX/XXXX FIRST CLASS MAIL. The communication within is dated XX/XX/XXXX and makes me feel oppressed. 15 U.S. Code 1692d ( 2 ). Emotional pain caused me anxiety even while writing this complaint, knowing that Federal Law is being overlooked and I am being deceived into paying on an alleged obligation. 15 U.S. Code 1692j. SCUSA sent another envelope on XX/XX/XXXX FIRST CLASS MAIL, but still, the communication inside was dated XX/XX/XXXX. So this leads me to believe the later dated communication was delayed on purpose as to try claim I have defaulted on an alleged obligation. I have still not received the accounting or balance sheet to prove I have a responsibility and that purchase money was loaned. These letters violate everything that a cease and desist under 15 USC 1692c ( c ) prescribes. SCUSA has caused me to have headaches and stomach aches just from that thought of the illegal action of repossession by this debt collector. The communications that came after the cease and desist reads in bold type font, " ... Santander Consumer USA Inc. will no longer be able to provide verbal notification prior to any repossession actions. '' SCUSA said, " Remember, you are still OBLIGATED to make your contractual payments on the account. '' I called ( XXXX ) XXXX, and no account could be found using the account number SCUSA provided. I called again at XXXXXXXX XXXX on XX/XX/XXXX to confirm. To repossess, you would first have to possess something. SANTANDER CONSUMER USA is listed as a lienholder, and I am listed as an Owner. I can not take the threat of repossession lightly for a vehicle I used for personal purposes to be taken from me. They are leaving me without a means of travel to work and the ability to pay my actual obligations, not alleged ones from a debt collector called SCUSA, with the threat of reposession. See attached violations of the Fair Debt Collection Practices Act and the Cease and Desist SANTANDER CONSUMER USA received on XX/XX/XXXX by XXXX XXXX. Congress wrote into Federal Law, " If such notice ( Cease and Desist ) from the consumer is made by mail, notification shall be complete upon receipt. '' 15 USC 1692c ( c ). SANTANDER CONSUMER USA has responded to me directly. It has willingly chosen to avoid a response through the Consumer Financial Protection Bureau. 15 U.S. Code 1692a ( 1 ). SCUSA received my Cease and Desist Request on XX/XX/XXXX. See proof attached as XXXX - SCUSA XXXX & XXXX. On XX/XX/XXXX SCUSA knowingly and willfully decided to communicate ( 15 U.S. Code 1692a ( 2 ) ) with me indirectly through a consumer reporting agency. 15 U.S. Code 1611 ( 3 ) - Criminal liability for the willful and knowing violation. One day after receiving my cease and desist XX/XX/XXXX.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Subprime auto loan - Lender : Santander Consumer Finance Purchase date : XX/XX/XXXX *secondary resigning of finance contract on XX/XX/XXXX. Finance Amt : {$31000.00} APR : 22.05 % Terms : 72 months / 6 years Monthly Payment : {$780.00} down payment : {$2500.00} & no trade two additional contracts were included in the finance contract signed the second time on XX/XX/XXXX, they included a GAP insurance policy adding {$640.00}, along with an extended warranty plan for {$3300.00} both of which were approved to be included in the financed amount by Santander adding them onto the top of my loan amount & charged 22.05 % interest rate. The dealership finance manager informed me that Santander required both of those items to be included in the loan as a condition for my approval -- -mind you this happened when I was asked to come back in on XX/XX/XXXX to resign the finance contract that had minor term changes primarily being the payment amount and due date but when I was sitting down to resign the revised contract the two additional contracts were added in, with the above explanation given to me as to why the resigning and changes in terms occurred. Not anything I could do at that point to attempt to have some leverage I had totaled out my other vehicle and had been driving the used but new to me vehicle for two full weeks & had no other transportation source, while already having paid {$2500.00} down payment, with the reason being that the two additional coverage contracts a requirement by Santander in order to approve the loan- I just had to accept it for what it was at that point. I was in the weaker spot to stand up against this wrong for what was right. my monthly payment obligation was ; {$780.00}, a much larger payment than what I had on my prior car I totaled, that payment was $ 340 month, now I was liable for double that amount every month. Below is an outline of my payment history up to the point I was forced to file a XXXX XXXX to avoid having the vehicle repossessed. The very date I was told if I did not have {$1600.00}- which was equal to two payments & two late fees, then by XX/XX/XXXX my vehicle would be dispatched for pick up on a repo. Payments due on the XXXX of each month ; YearXX/XX/XXXXmonth Payment amt paid Date payment made How payment reported to be applied to my balance XXXX {$820.00} XX/XX/XXXX w/late payment I paid the late charge as apart of that XXXX so XXXX {$39.00} late fee. payment made was applied ALL towards interest nothing applied toward principle no late fee paid from the XXXX paymt XXXX {$820.00} XX/XX/XXXX none of my {$820.00} was applied to the principle nor the late fee paid XXXX {$850.00} XX/XX/XXXX {$230.00} applied to principle no late fee paid -- i paid it in my paymt XXXX {$800.00} XX/XX/XXXX {$220.00} applied to principle no late fee paid -- no funds for late fee XXXX {$880.00} XX/XX/XXXX {$210.00} applied to principle no late fee paid- I paid it in my paymt XXXX {$760.00} XX/XX/XXXX none of my {$760.00} was applied to the principle - no funds for late fee Year : XXXX XXXX Deferment approved for defer Late fee of {$39.00} was billed to my account, payment deferred XXXX XXXX {$850.00} XX/XX/XXXX none of my {$850.00} was applied to principle- paid late fee-not applied XXXX {$900.00} XX/XX/XXXX {$22.00} applied to principle {$870.00} interest-paid ate fee-not applied XXXX {$610.00} XX/XX/XXXX {$57.00} applied to principle {$550.00} interest-paid late fee-not applied XXXX Deferment approved for defer Late fee of {$39.00} was billed to my account payment t, deferred ma XXXX {$900.00} XX/XX/XXXX none of {$900.00} was applied to principle - late fee paid not applied XXXX {$390.00} XX/XX/XXXX None applied to principle - late fee not paid by paymt - billed acct XXXX {$200.00} XX/XX/XXXX None applied to principle - late fee already billed on XX/XX/XXXX paymt XXXX {$1200.00} XX/XX/XXXX {$590.00} principle paid+ {$30.00} misc fee + {$39.00} late fee billed XXXX- {$1200.00} XX/XX/XXXX RETURNED PAYMENT BY BANK that XXXX payment was effectively {$780.00} + {$410.00} towards XXXX payment due leaving {$370.00} due for XXXX returned XXXX No payment made - received a letter from Santander stating that I had until XX/XX/XXXX to submit {$1600.00} or after that date if that payment amt is not made the car will be dispatched for pick by a repo company. Only option I had at that time in order to ensure I maintained my source of transportation was to enter into a XXXXXXXX XXXX bankruptcy - the car ( outside of some minor bills that I included in the case ) was the primary reason and only real reason I moved to file a chp XXXX the payments were unmanageable i am on a fixed income on XXXX from XXXX every month. that is why I had trouble meeting that obligation of nearly {$800.00} a month. Once my XXXX XXXX was filed it was mainly to be able to catch up on the past due payments and also ensure I kept my vehicle to be sure I had a form of reliable transportation. Filed my XXXX case XX/XX/XXXX, the same day that Santander informed me that if I did not have the {$1600.00} payment made my loan would go into default status and the vehicle would be scheduled for repo. I began making payments in my case starting in XXXX and have made every monthly payment ( not easy but I have maintained each payment in my case on time and at the amount due. Thus far I have paid {$16000.00} into my Santander claim with a balance due of {$18000.00}. not including the 7.5 % interest rate that is also paid monthly as well. Santander maintained their position as the lienholder and lender until approx. XX/XX/XXXX at which time they SOLD the loan to XXXX, whom is a debt collection firm, who in turn transferred the servicing rights to XXXX a debt collector agency who services charged off accounts/loans from lenders. Santander ironically SOLD my loan off to XXXX because Santander was 1. involved in the class action lawsuit ordeal which my loan meets the criteria to qualify for some form of restitution and relief in the settlement remedies issued. but Santander has written my loan off as a charge off account, and sold it at a significant discount to XXXX who has XXXX assigned as the servicer. I contacted both Santander as well as the settlement firm that has been hired to administer the lawsuit claims and manage the consumers that receive restitution in the settlement, and both of the companies were useless in helping me find resolution and answers as to confirmation that my loan qualifies and what type of settlement will I be due. Santander no longer has my account information in their system bc the loan has been fully charged off from their books as of XXXX and it was subsequently sold to XXXX a debt buyer for charged off auto loans from Santander. I then proceeded to contact XXXX regarding my eligibility to participate in the class action settlement based upon the criteria set forth in the class action terms and conditions; informing the XXXX agent that my loan met all the required items needed to be eligible for the settlement. Rightfully so, my loan obtained from Santander in XX/XX/XXXX is the primary and number one reason I am in a XXXX XXXX bankruptcy presently. XXXX customer rep informed me that he would not be able to provide me with any information relative to my loan being apart of the settlement and suggested I have my lawyer call them for further insight. I then called the third party administrator ; XXXX XXXX who told me that if I did not receive a post card or email in XXXX XXXX timeframe then they do not have any means to check if my loan is included in Santander 's list of consumer auto loans which meet the criteria for inclusion in the settlement restitution. They told me to contact Santander directly. I then gave Santander a call a second time to see if I could get someone more knowledgeable or at least willing to put more effort into helping me to find out if my loan met their criteria and how I would go about pursuing a claim. The gentlemen I spoke with did seemingly appear to try to find out this information for me, but no luck in finding a definitive answer for me. He suggested that I contact XXXX consulting the third party administrator whom he said would be able to check the records to find out if my loan was indeed on the list of consumers whom were listed in the settlement. Because I highly respect the CFPB and it's mission and results achieved since being formed, also having personal experiences in working with your organization in the past seeking assistance to resolve other consumer financial matters and having them resolved in the right kind of manner and with upmost success and fairness in upholding the laws and legal aspects of consumers and financial related matters that have wrongly affected them. I have the upmost confidence and belief in the CFPB from past history and felt that your organization could be a useful resources that I could leverage next to get to the bottom of this problem. You are results oriented and one of the very few govt groups that actually take these matters seriously and prove it by the results your staff obtain in the resolution of consumer complaints filed with your team. I am once again leaning on your organization for help in resolving this complaint and helping me find the fair and just resolution to ensure I am treated accordingly and not being taken advantage of due to my bankruptcy circumstances being that I filed a XXXX XXXXXXXX on XX/XX/XXXX not by choice but out of mere desperation because of the fact that the santander consumer auto loan put me into a financial bind that I was not able to find my way out of at the time. I read over the settlement summary as it contains the criteria that a consumer must meet in order to qualify for one of the three restitution awards that Santander has funded for certain types of relief based on the criteria a consumer loan must meet in order to be eligible for such specific relief measures. Santander is using the bankruptcy case I filed as of XX/XX/XXXX as a measure to charge off the loan and then further to that they chose to sell the charge off debt to a bad debt buyer ; whom is listed as an official collection agency who specifically buys bad debts that have been defaulted on, charged off by the originating lender and left for holding the consumer to the rest of their original contract terms for collecting the remainder of the balance due as per the contract terms. I have a hard time being able to reason with the idea that Santander whom originated an unfair setup to fail from the beginning putting me into a negative subprime auto loan which went into an official default with Santander as of ; XX/XX/XXXX, the same date I filed for relief and protection under XXXX XXXXXXXX no other choice but that route at the time. Another " Irony '' in this matter, XXXX acquired the charged off loan from Santander on XXXX, Santander decided to charge off the loan as of XXXX, once XXXX acquired the loan, they then created a new account number, detaching from the Santander account number which was the key component as to how Santander and XXXX the administrator of the class action settlement, would utilize in order to identify my loan as qualifying for the settlement and to execute the necessary communication to notify me of this action and what the remedy would be that my loan criteria met. The date that Santander and XXXX began notifying the consumers whose loans qualified for the settlement were initially contacted on XXXX. This is the exact date that XXXX assigned my " file '' to XXXX portfolio services whom would be servicing my loan. the same date of when santander began initiating contact with consumers whose loans met the criteria to receive settlement. that is outside of just being a mere coincidence., its financial trickery at its finest in my humble belief. And a new account number was created before XXXX received the file on the loan. In my opinion after reviewing the facts and figures of these series of events, I think Santander knew my loan had just less than one month well before any hearings or plan was even close to being confirmed, they knew that the easy way out was to pass the buck so that i would not be in a line of sight to be able to make contact with to notify of the settlement and how my loan would be handled. Last point I would like to bring to your attention is the manner in which Santander managed my auto loan accounting details was far from any standard that they are required to adhere to in order to minimize and avoid taking advantage of an average consumer. Nearly half of my payments made monthly were never used to pay towards the principal, they were applied towards the interest portion of the loan which the other half of the payments made had the expected principal applied. I made the payments late each month but once again when I did pay the bill, which was generally about 10 days or so past the actual due date due to conflict with when the payment was due and when I was paid didnt XXXX. I always added an extra {$40.00} bucks to cover the late fee that I knew I would assume by paying the bill later than the grace period but not past 30 days at first. Never not one time did Santander ever use those funds to settle the late charges they continued to add to the late charges cumulative total and kept increasing late charge totals month after month and never applied my extra {$40.00} to cover the late charges as I had instructed them to. They instead used that extra money I was paying thinking I was paying the late fees so they didn't rack up and build a bigger problem, they used those late payment funds to apply towards their interest fees. my APR was 22.05 % - of which is about the same as a credit card - I probably could have gotten a credit card cheaper than that rate, I am going to attach all of my documentation which will provide proof of my claims and statements made pertaining to Santander and my subprime auto loan that landed my in a XXXX bankruptcy simply because of this loan it being the root cause of my filing protection.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Santander Consumer USA at address XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been furnishing account # XXXX for {$13000.00} as a charge off on my consumer reports since XX/XX/2017. I have reported this canceled debt as income. Income is not to be reported or furnished on my consumer report, that is an invasion of my privacy and XXXX XXXX XXXX XXXX is violating the Fair Debt Collections Practices Act. On the websites of XXXX, XXXX and XXXX they state income is not to be reported on a credit report ( consumer report ). I am requesting Santander Consumer USA to show integrity and accuracy and delete account # XXXX from all consumer reporting agencies. I am also requesting the 1099-C and/or 1099-A or I will be forced to report Santander Consumer USA to the IRS for tax fraud .
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: SANTANDER CONSUMER USA claim that I owe them for a car loan and they have not shown me any proof that I owe this alleged debt.They claim I owe {$12000.00}. It was was sold to XXXX XXXX XXXX XXXX who I gave a call to about this alleged debt. They told me they do not have anything in their system saying that I owe this alleged debt and I would have to contact SANTANDER CONSUMER USA. When I contact SANTANDER CONSUMER USA they claimed that I do owe the this alleged debt which is defamation of my character on my credit report. This is FRAUD.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX I brought my XXXX XXXX XXXX to XXXX for them to buy out the lease from Chrysler Capital. The XXXX was in immaculate condition and due to the shortage of used cars, XXXX offered me substantially more than the end of the lease buyout price. The paperwork was done, the plates were off the car and I was ready to sign when XXXX informed me that the check amount that they were going to pay was {$1700.00} less than their offer. The reason given was that Chrysler Capital refused to give them a dealer buyout cost and would only allow XXXX to purchase the vehicle for the same amount that I would have to pay which would include the sales tax for the residual value of the car. Since dealers are exempt from paying sales tax the typical buyout purchase for dealers would only be the residual value plus a {$350.00} purchase option fee. I cancelled the deal with XXXX and went home to try to contact Chrysler Capital to resolve what was to me an obvious error on their part. This effort turned out to be a several month long exasperating and fruitless search for a straight or even consistent answer. I repeatedly requested a response in writing. Instead I received a wide variety of false justifications and conflicting excuses from the numerous representatives that I spoke with over the phone. I finally discovered that they feel they can get away with charging me this penalty disguised as sales tax for something I did not purchase by implementing an undisclosed policy that they say allows them to do this when a car is sold to certain dealers if there are less than 60 days left on the lease. This clearly falls into the category of a special or hidden loan term. There is absolutely nothing in my lease agreement referring to this policy. In fact ITEM No.17 NOTICES states " THIS LEASE CONTAINS THE ENTIRE AGREEMENT BETWEEN YOU AND US XXXX No agreements exist between you and Lessor except as set forth in the lease. '' The same paragraph goes on to say that at the end of the original lease it may be extended by agreement at their discretion. I did in fact request an extension at the end of the lease but they denied my request. There is NOTHING in the lease agreement pointing to any potential or unforeseen costs for trading in or selling the car to a dealer toward the end of the lease. To the contrary in bold capitalized letters there IS such a warning regarding costs and penalties for ending the lease early. It states in bold letters : " EARLY TERMINATION. You may have to pay a substantial charge if you end this Lease early. The charge may be up to several thousand dollars. The actual charge will depend on when the Lease is terminated. The earlier you end the Lease, the greater this charge is likely to be. I have opened and reopened the complaint on this numerous times with Chrysler Capital because they repeatedly closed my complaints as if they were resolved. My last phone calls were to simply request a written response clarifying their justification. I last spoke with them on XX/XX/XXXX when I was told flatly that " the legal team will not allow any such letter '' and that " Chrysler Capital does not include policies and procedures in the contract ''. She also stated that she is " entering this into the file and closing the complaint with this resolution. '' I stated that " this is not by definition a resolution because I do not accept it. '' I have yet to hear from them again. Please help me to recover the {$1700.00} penalty from Chrysler Capital. I simply do not understand how a bank can establish a policy that precludes them from abiding by the truth in lending laws requiring lenders to inform consumers about potential fees or charges that are neither predictable nor transparent. Sincerely, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
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: XXXX XXXX I purchased A XXXX XXXX XXXXXXXX XXXX truck from XXXX dealership located in XXXX Texas. The vehicle was delivered to me after I went through every step including a down payment of {$1500.00} to get approved and delivered to my front door. After getting the vehicle and driving it for 30 days my temporary tags expired on XXXX. This company sales taxes are included in the finance charges.I then asked about the permanent license plate and never received answers. XXXX XXXX temp tags expired. I wasn't able drive my truck 3 weeks due to them not answering my email and hanging up in my face until one day I push a number as if I was purchasing a new vehicle received another temp tag XXXX XXXX which will expire on XX/XX/XXXX not having those a full 30 days. I still have no true answers to when I would receive my permanent tags besides they needed to request a duplicate title. So I'm not sure why they didn't do that before selling the truck. It takes them weeks to get them to request my temp tags when I do call.
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: After trying to acceess a refund for overpayment on my car loan with Santander Consumer USA- I was mailed a prepaid 'debit ' or credit card for use with the left over balance shipped in two cards. The phone number and website is run by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX. The issuing bank is XXXXXXXX XXXX XXXXXXXX. Despite spending hours across several days, I was unable to access the monies due to me as a refund. When I called today, I was put on hold and told to retry online over and over re-entering my routing number, personal bank account number to attempt to transfer the money to my account. When I tried to use the money online as a debit or credit. transaction it also failed I want my refund now. This is abusive to force someone into a refund in this manner with such a faulty and poor unfair customer service process. The person on the XXXX number was not helpful.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading. These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I believe I was part of litigation where Santander used deceptive practices.
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am ready to pay off my loan and the bank which is Santander consumer USA, has charged me over XXXX dollars in late fees even though it was not 30 days late. The XXXX on this loan is 16 % so they already made thousands of dollars off this loan. I called in today XX/XX/29 to try and have them waived and spoke to XXXX with employee number XXXX and she refused to wave any late fees. I asked for someone else I was transferred to XXXX employee number XXXX and he said only {$50.00} could be waved but did {$100.00} as a courtesy. To me thats not enough based on the XXXX. I want all late fees waved and I will make the final payment.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A