Santander Consumer USA Reviews (%countItem)
Santander Consumer USA Rating
Address: 1601 Elm St. STE 800, Dallas, Texas, United States, 75201-4701
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www.roadloans.com
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Fraudulent practices..exorbitant fees..balance not reduced properly..deceptive contract...incorrect reporting to credit bureaus.Please help us!
Fraudulent practices..exorbitant fees..balance not reduced properly..deceptive contract...incorrect reporting to credit bureaus.Please help us!/2008 Lexus/17% interest/balance never goes down...please help...they have numerous complaints and they continue to mistreat consumers
Correct decrease in balance...remove all late fees...remove all derogatory incorrect information on credit report.
April 28, 2020
***
*** Ln.
Mansfield, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
After a review of the information provided in your complaint, we are unable to substantiate your statement that you were treated unfairly and found no evidence that Santander violated fair lending laws in the origination or servicing of your account. Santander is committed to fair lending and treating consumers, customers and vendors with the utmost respect and fairness.
According to our records, on October 12, 2015 you entered into a Retail Installment Contract (Contract) with CarMax Auto Superstores, Inc. (Dealership) in connection with financing the purchase of a 2008 Lexus GS 460 (Vehicle). The amount financed was $26,789.64 at an Annual Percentage Rate (APR) of 17.60%. The payment schedule called for 72 monthly payments in the amount of $609.41 each, beginning November 26, 2015. Santander was the assignee of the Contract.
The approval of an assignment of any contract, is based on the information provided to us by the customer and the Dealership. The terms of the Contract were negotiated with the Dealership at the time of purchase. Any disagreements with any terms and conditions would have needed to be addressed prior to agreeing and signing the provided documents at the time of the Vehicle purchase. Additionally, the signed Contract contained all of the terms of the financing agreement, and all of these terms were disclosed in the manner required by Federal and state laws.
Please note that the portion of each payment applied toward interest will generally decrease as the principal balance decreases. In regard to your account balance concerns, please be advised that the account principal balance has been reduced from $26,789.64 to $19,801.78.
After a review of the account, we have determined that the reduction of the principal balance is accurate. In the agreed upon auto finance contract, it shows that the account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes the customer will make their payment on their regularly scheduled payment due date.
When a payment is received, the accrued interest must be satisfied first, and the remainder of the payment is applied toward principal and/or fees owed on the account. The amount of interest accrued can vary based on the amount of the principal balance and the number of days between payments.
Over the life of the account you requested and was granted 8 monthly extensions and 1 due date change. Per terms of the Contract, a late fee can be assessed on the account 15 days after the payment is due. Our records indicate that 28 payments were received more than 15 days late, causing late fees to be assessed. The fees will remain on the account until you are able to satisfy the late fee balance in full. The enclosed Payment History shows that in some months no payment was received or the amount received was less than the contracted monthly payment amount
Due to the payment pattern more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been received according to the contracted payment schedule of 72 months, the principal balance would be less.
Further note, as of the date of this correspondence, the current payoff for the account is $20,915.27 good through May 11, 2020, which includes a principal balance of $19,801.78 , interest of $228.92, late fees of $824.96 and miscellaneous fees in the amount of $60.00. The payoff quote also includes unpaid, and accrued interest charges through May 11, 2020.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to the credit reporting agencies shows that on April 24, 2020, we advised the agencies that the account was a current with a balance of $20,743.00. Prior delinquencies report as 15 times 30 days past due.
We respectfully decline your request to adjust the account balance or update credit reporting as we have confirmed that this information is accurate. Additionally, we are unable to process a fee waiver as the fees were assessed accurately.
Please find enclosed account related documents.
Thank you for allowing us the opportunity to address your concerns. You may contact us directly at (XXX) XXX-XXXX if you need additional assistance.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Payoff Quote Letter
I am unable to get a release of lein for my vehicle which was paid off over 3 months ago.
This is the third time since January of 2020 that I have tried getting a release of leon or my title. It seems to me that they just do not want to help.
I want my title or a letter of release of lein.
April 28, 2020
***
***
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn of the difficulties you have experience in attempting to obtain title for your vehicle. Our customers concerns are important to us and we appreciate your feedback.
We reviewed your vehicle title information and have confirmed that the lien has been released. Please note that Santander is no longer listed as the owner and you are listed as the owner, therefore a release of lien will no longer be sufficient in requesting a duplicate title.
Our records indicate that the paper title to the vehicle associated with the account was mailed to the address listed in your complaint on or about January 15, 2020.
Please note that a duplicate title request has been initiated as of the date of this response, the title will be sent to you under separate cover to your address noted in the complaint: of ***, ***, *** XXXXX. Please allow additional time for processing of this request.
We apologize for the inconvenience this may have caused.
Enclosed is a copy of the Payment History indicating the account zero balance. Thank you again for the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with a representative from Santander sometime ago but still have not recieved the information requested. Until such time as I recieve the information requested I assume that this case is still going to be open.
8, 2020
***
***
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com). Thank you for this continued opportunity to address your concerns regarding your Chrysler Capital account.
We regret to learn of the difficulties you have experience in attempting to obtain title for your vehicle. Our customers concerns are important to us and we appreciate your feedback.
As stated previously, please note that a duplicate title request has been initiated as of the date of this response, the title will be sent to you under separate cover to your address noted in the complaint: of ***, ***, *** XXXXX. Please allow additional time for processing of this request.
In addition please note that when sent under separate cover the duplicate will be sent Via FedEx.
We apologize for the inconvenience this may have caused.
We apologize if you feel that you have been treated in an unprofessional manner. Thank you again for the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
As promised by Santander my title would be delivered FedEx. I still have not recieved my title or any confirmation i.e. tracking number that it has been sent. Again until I recieve the documentation promised I am not satisfied with the outcome to date. I am very disappointed in the level of customer service, which is not a heck of alot.
I am unable to get a release of lein for my vehicle which was paid off over 3 months ago.
This is the third time since January of 2020 that I have tried getting a release of leon or my title. It seems to me that they just do not want to help.
I want my title or a letter of release of lein.
April 28, 2020
***
***
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn of the difficulties you have experience in attempting to obtain title for your vehicle. Our customers concerns are important to us and we appreciate your feedback.
We reviewed your vehicle title information and have confirmed that the lien has been released. Please note that Santander is no longer listed as the owner and you are listed as the owner, therefore a release of lien will no longer be sufficient in requesting a duplicate title.
Our records indicate that the paper title to the vehicle associated with the account was mailed to the address listed in your complaint on or about January 15, 2020.
Please note that a duplicate title request has been initiated as of the date of this response, the title will be sent to you under separate cover to your address noted in the complaint: of ***, ***, *** XXXXX. Please allow additional time for processing of this request.
We apologize for the inconvenience this may have caused.
Enclosed is a copy of the Payment History indicating the account zero balance. Thank you again for the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with a representative from Santander sometime ago but still have not recieved the information requested. Until such time as I recieve the information requested I assume that this case is still going to be open.
8, 2020
***
***
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com). Thank you for this continued opportunity to address your concerns regarding your Chrysler Capital account.
We regret to learn of the difficulties you have experience in attempting to obtain title for your vehicle. Our customers concerns are important to us and we appreciate your feedback.
As stated previously, please note that a duplicate title request has been initiated as of the date of this response, the title will be sent to you under separate cover to your address noted in the complaint: of ***, ***, *** XXXXX. Please allow additional time for processing of this request.
In addition please note that when sent under separate cover the duplicate will be sent Via FedEx.
We apologize for the inconvenience this may have caused.
We apologize if you feel that you have been treated in an unprofessional manner. Thank you again for the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
As promised by Santander my title would be delivered FedEx. I still have not recieved my title or any confirmation i.e. tracking number that it has been sent. Again until I recieve the documentation promised I am not satisfied with the outcome to date. I am very disappointed in the level of customer service, which is not a heck of alot.
We are apart of the Chevy Equinox lawsuit of 2019 and our car broke down due to no fault of our own and they won't work with us or give us any options
We called and asked to get out of our contract or to see if there was additional solutions but the person who we talked to on the phone was rude and wasn't helpful. We are apart of the world class action lawsuit of the Chevy Equinox lawsuit 2019. Where Chevy Equinoxes years XXXX - XXXX were not suppossed to be sold due to high excessive oil consumption. I have a 2012 Chevy Equinox that has broken down and will always continue breaking down. We fixed it and it broke down again due to no fault of our own. It broke down because of the excessive oil consumption. It's amazing how this wasn't our fault and nobody wants to help us especially when those who are at fault. Why would we want to lay for a car that doesn't work and doesn't work because of the manufacturer and dealerships fault. Chrysler Capital should go after Landmark Dodge Chrysler in Independence MO for the rest of the money left on the car. We would like to cancel our contract with no penalties unless the dealership can offer us a trade in for another car with the same price contract.
We want to cancel out our contract and have the dealership pay for the rest owed.
April 23, 2020
***
*** St.
***, WI XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret any inconvenience that you may have experienced in attempting to resolve the issue concerning the Vehicles involvement in a Class Action Lawsuit. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on July 21, 2017 with Landmark Dodge Chrysler Jeep (Dealership) in connection with the purchase of a 2012 Chevrolet Equinox (Vehicle). The amount financed was $12,070.00 at an annual percentage rate of 14.99%. The payment schedule called for 72 monthly payments of $256.72 each, with the first payment due on September 4, 2017. The Contract was assigned to Chrysler Capital.
In regard to your repair concerns, please be advised that you are responsible for any maintenance and repairs to the Vehicle.
As such, we are unable to assist you with your request regarding the repairs to the Vehicle, as we do not provide any services related to vehicle maintenance, repairs, recalls or any involvement with 3rd party Class Action Lawsuits. We kindly refer you to contact Fiat Chrysler Automobiles US LLC (FCA) directly at X(XXX) XXX.9753 as Chrysler Capital is not the manufacture.
Regarding your request to return the vehicle, please be advised that taking the vehicle back is a decision that would be determined by the originating Dealership. We kindly suggest reaching out to the Dealership for questions regarding this matter.
Further note that it is the customer's responsibility to continue to make payments on the account until the account indicates a zero balance. We apologize for any inconvenience regarding this matter.
A review of the account indicates that on April 15, 2020, you were granted 2 monthly extensions for February and March 2020. As of the date of this correspondence, a payment in the amount of $273.16 is due for April 4, 2020.
Although we empathize with your situation, we respectfully decline your request to cancel the Contract without penalties as this matter would need to be escalated to FCA to make a final decision on how this matter regarding repairs would need to be resolved.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed please contact us directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Contract
Payment History
Extension Approval Letter
(The consumer indicated he/she DID NOT accept the response from the business.)
They knew they weren't supposed to sell the vehicle. They knew about the problems before sold. They did not enclose what was wrong with the vehicle when selling it in which they are required to do so by law. The fact that they arw not offering any solution at all, shows they do not care about their customers. They are just in it for the money.
8, 2020
***
224 Nelson St.
Sharon, WI XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you again for allowing us the continued opportunity to address your concerns.
We regret that you remained dissatisfied with our previous response. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Please note that the vehicle associated with the above-referenced account was purchased and financed in July 2017. Based off of the information listed in the complaint, the Lawsuit began in 2019 where it was discovered that there were mechanical issues. Therefore, we are unable to address claims that enclosures or disclosures should have been provided with these issues at the time of purchase, being that the matter was not made aware of until after the vehicle purchase. We apologize for any inconvenience or misunderstanding regarding this matter.
Although we empathize with your situation, we are unable to assist you with your request regarding the repairs to the vehicle, as we do not provide any services related to vehicle maintenance, repairs, recalls or any involvement with 3rd party Class Action Lawsuits.
We kindly refer you to contact the vehicle manufacturer General Motors Company as Chrysler Capital is not the manufacture. This matter would need to be escalated to the manufacturer to make a final decision regarding repairs that would need to be resolved.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed please contact us directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she DID NOT accept the response from the business.)
We do not accept because they did not do anything but basically tell us to deal with it. They did not offer any support at all. I am sure there is something they can do but not only did they not offer anything nor did they seem apologetic or sympathetic. The law suit was in 2019 but that is not when they found the problems. If they read the lawsuit, they would have known that the manufacturer told them and the car dealership that the car wasn't supposed to be sold due to defects. Do they not do any research before accepting offers? Or do they always believe the car dealership right off hand.
Santander needs to send Toyota information so they can finish processing my GAP claim.
My vehicle was totaled on December 3, 2019. Geico paid off everything except $1,856. I have GAP protection through Toyota and they need two pieces of documentation. They need a copy of the checks Geico sent then and cancellation or expiration of the extended warranty on the vehicle. I have been trying to get them to send the information over since January. I've called them multiple times. There is never a supervisor to speak to or anything. Meanwhile my credit score continues to go down due to late payments post.
I want them to send them information to Toyota so they can pay them the rest of the money. I want them to restore my credit derogatory marks and I want them to stop says I'm late when it's there fault that they are not complaining with Toyota in giving them the information they need to pay them off.
April 23, 2020
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.:***
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that the vehicle associated with the account was deemed a total loss on or about December 3, 2019. On that date, the outstanding principal balance on the account was $10,540.02, which did not include outstanding interest or fees owed, if any.
We received a Total Loss Insurance payment in the amount of $9,440.41 on January 7, 2020 which was applied to the account effective December 3, 2019, the date of loss. This payment brought the account current and due for February 20, 2020 and left a remaining principle balance of $1,791.53.
After further review we have confirmed we faxed all requested documents on February 5, 2020, however per your request we faxed again all requested documents including copies of check provided by your insurance provider and the expired warranty again on April 21, 2020 to ensure they are being provided to your Guaranteed Asset Protection (GAP) carrier. Please note, your warranty was expired at the time of loss.
In reference to previous communications with Santander and multiple attempts to resolve your concerns, each representative you communicated with provided accurate information regarding your concerns. However, we are unable to substantiate your statement that you requested to speak with a supervisor and were unsuccessful. We apologize for any miscommunication or inconvenience this *** have caused.
Additionally, please note it is the customer's responsibility to continue to make payments on the account until all insurance proceeds are received and the account indicates a zero balance. As of the date of this correspondence your account is 63 days past due for February 20, 2020 and March 20, 2020 monthly payments.
The estimated amount to pay off your account is $1,906.86, which is good through *** 7, 2020. This payoff amount is subject to a final reconciliation and accounting and *** change if there are returned payments or fees assessed on the account within 30 days of this quote.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to credit reporting agencies shows on March 31, 2020 we reported your account as 30 days past due with a balance of $1,879.00. Prior delinquencies report as 6 times 30 days past due and 2 time 60 days past due.
We respectfully decline your request to make any changes to the information reported on the account as the information reported matches our records.
Enclosed are copies of your Retail Installment Sale Contract, Payment History and Payoff Quote.
We apologize if you feel that you have been treated in an unprofessional manner and hope that this explanation of your account is satisfactory to you. If further assistance is needed, please contact us directly at (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
You clearly stated that the warranty has expired and that is all the information that Toyota Gap wants. Can you please send that information to them so you can get paid. That's all I have been asking seen January of 2020z Please and thank you. They continually say they haven't received anything from you. I had to call Geico and get them to issue Toyota a copy of the checks. So can you please, please, please send Toyota the information about the expired extended warranty so they can issue you the balance. There is no way on earth that I should have contact Revdex.com to get you to do you job, we are going on 5 months. This is ridiculous and very unprofessional. Have a wonderful day.
5, 2020
***
3000 Whitings Brigade Dr. Apt. 404
Dumfries, VA XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.:***6391
Dear ***:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret that you remain unsatisfied with our previous response, our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
As stated previously, we faxed all requested documents including copies of check provided by your insurance provider and the copy of expired warranty again on April 21, 2020 to ensure they are being provided to your Guaranteed Asset Protection (GAP) carrier.
In addition, effective April 21, 2020 we received payment from your GAP carrier in the amount of $633.86 which is listed in the enclosed payment history. Santander does not determine the amount that either the insurance or the GAP carrier elects to pay.
Please note that it is the customer's responsibility to continue to make payments on the account until all insurance proceeds are received and the account reflects a zero balance.
Furthermore the estimated amount to pay off your account is $1, 272.38, good through *** 15, 2020. This payoff amount is subject to a final reconciliation and accounting and *** change if there are returned payments or fees assessed on the account within 30 days of this quote.
We apologize if you feel that you have been treated in an unprofessional manner and hope that this explanation of your account is satisfactory to you. If further assistance is needed, please contact us directly at (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Payment History
Refusal to resolve; collecting in violation of bankruptcy; and keeping private information which they werenever entitled to receive
This complaint involves two businesses, so for clarity etc. the same complaint is being filed under both. (In the case of Gateway in particular, the complaint is not comrehensive of all issues and violations over time including CS issues, other collection issues, and overcharging, etc.)
At this time, the complaint made is:
1. Alleged debt that was discharged in Feb. 2019 was claimed as owed to Santander. Both companiesnl have violated a federal discharge order that allows contempt proceedings to be brought at any time.
2. Gateway sold such debt, account, and data to Santander in 2020.
3. All transfer of data about me, including various sensitive data, and possession of it by Santander violates my rights and privacy. It poses ongoing risk to me.
4. Both companies have refused to resolve matters.
5. Gateway has not responded at all. Santander has not delivered a response. Instead, they abusively keep sending emails demanding I register with a third-party service to receive messages even after I specifically told them I will not do so. It was inappropriate of them to demand it in the first place.
6. I received one letter claiming an earlier sent collection attempt was a mistake. It does not make clear what mistake they admit. It is insufficient for resolution. It does not resolve the primary issue of a claimed balance or the transfer/possession of information by Santander.
Whereas there was no debt (no liability and no other liable party) since Feb. 2019, no information about me should have ever been given to Santander. Complete destruction of information about me from/with Santander is non-negotiable. Beyond that, both companies need to explain to my satisfaction how they will fix issues (both of them) so that this does not happen to anyone again to my satisfaction if I am going to avoid bringing them both to federal court on contempt. I prefer resolution through Revdex.com, but I'm quite prepared to force both into federal court as none of this should have ever happened.
April 22, 2020
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Please note, effective March 2, 2020 all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. A Transfer of Servicing (Conversion) letter was mailed to the address on file on February 21, 2020 advising you of the transfer. Another letter dated March 24, 2020 was sent advising the previous letter was sent to you in error and to disregard.
As stated in the March 24, 2020 letter, due to your Gateway account being resolved and closed prior to the transfer, you should not have been included in the communication from Santander. We apologize for any inconvenience or confusion this matter *** have caused.
Our records show that you filed Chapter 7 Bankruptcy on November 14, 2018 and your case was discharged on February 21, 2019. Santander is not pursuing any collection on your account.
Enclosed is a copy of both letters mentioned above.
Please be advised, this is not an attempt to collect a debt, this is for informational purposes only.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate the response and certain clarification. But,beven recognizing this, it is not sufficient for resolution even if I partially compromise. The most significant factor would be that the errant communication was predicated upon false transfer of a so-called account and sensitive, private information about me from Gateway to Santander. None such should have happened 12+ months after a bankruptcy discharge.
If the communication from the business is intended to indicate response also on behalf of Gateway, I will not accept that. Gateway will need to handle the separate complaint against them; otherwise I accept to take them to federal court on contempt (and possibly file separate litigation).
What needs to happen from here? If I am to consider lesser resolution that I wanted, the initial problem of the business receiving information about me must be addressed. Otherwise, it seems like the issue is being limited to a communication error, and such is not conensurate of the actual sum of issues. The business *** wish to keep in mind that these are issues that can be litigated, so it should not be treated as a simple "oops". And finally, lack of further debt collection communication is not alone a solution (besides issues indicated earlier), Maintaining an account in my name with a so-called balance is intolerable. There is no balance, and there *** be no account. And if such is going to remain, then I will pursue this further. The most minimal end result necessarily must be such as if Gateway's violation had never happened.
5, 2020
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us continued the opportunity to address your additional concerns.
We regret to learn that you did not accept our previous response and appreciate your feedback regarding this matter.
As stated in our previous response, effective March 2, 2020 all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. A Transfer of Servicing (Conversion) letter was mailed to the address on file on February 21, 2020 advising you of the transfer. Another letter dated March 24, 2020 was sent advising the previous letter was sent to you in error and to please disregard.
Please note, due to your Gateway account being resolved and closed prior to the transfer, you should not have been included in the communication from Santander. We apologize for any inconvenience or confusion this matter *** have caused.
Our records show that you filed Chapter 7 Bankruptcy on November 14, 2018 and your case was discharged on February 21, 2019. Please be advised that we are handling the account pursuant to national and local bankruptcy rules. By virtue of the bankruptcy filing, all property acquired pre and post-petition is subject to bankruptcy protection. Santander is not pursuing any collection on your account. As such, the previous communication sent in error was not an attempt to collect, assess, or recover a claim in violation of the bankruptcy code and was for informational purposes only.
Please note that if you choose to open a separate complaint with Gateway regarding this matter, you will need to contact them directly.
Please be advised, this is not an attempt to collect a debt, this is for informational purposes only.
Thank you again for allowing us the opportunity to address your additional concerns. If further assistance is needed, please contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response. And before I explain I wish to note that I don't think I complained with a threat or approach, at least, focused on the FDCPA violation. But to be clear, for perspective, I think the business should understand that a case can be made given that the business is not an original creditor (and other reasons, the legality of which I'm not going to get into here at this time).
Back to the more time sensitive matter, the reason for rejection, at least primarily, is that I don't see then issue being addressed on the business having information about me in the first place. There could have been no federal court order violation by this Santander if they had never received information about me. At the of discharge, to the extent there was a debt, there could be no further debt. At this time, we need not get into the legality of personal liability vs. "debt disappearance". Effectively, when there is no other responsible party but a bankruptcy debtor, upon discharge, there is no value to the alleged (and discharged) debt and therefore no "thing" of any substance to sell or transfer. There being no other liable party, it quite literally has no value, other than actual or potential illicit valie (for marketing, spam, selling private information, or even outright fraud, etc.)
So this gets back to the stated primary reason for rejection. There was no "real thing" for Gateway to sell or transfer to Santander. That action was a violation of my rights and caused (or led to) further violations. Basically, my account and former allegdled debt with Gateway should have "died" upon discharge. Effectively, it should have ceased to exist.
How is all of the foregoing still an issue if earlier letters were allegedly a mistake? To the extent that there are no further such letters, any notation on credit reports, or further claims of a balance, it would be easy for some to think there are no further likelihood of issues.
That would make this simpler, but it would be a mistake. Santander still had my private information and appears to have no plans to obliterate such data. I don't know Santander. A very quick look of news if the past decade reveals oodles of data security leaks and thefts. Even in a best case scenario, it would mean low probability of further transfer or theft of my data, not zero probability.
Well, they have my data, so how does disputing it make a difference? I can think of AT LEAST one right off the top of my head without much pondering. I'll share that to illustrate.
There appears to be no sign Santander understands there is a problem beyond one stray errant letter. So how about the next person (victim) or next corporate transfer of data? And was this one stray letter (allegedly) or am I just one person who happens to stand up out of 10,000?
There is a far bigger problem than a stray letter or phone rep rep claiming a balance. And I articulated that from the beginning. Now, I prefer resolution. But I have no problem proceeding with going to federal court if that's what it takes.
I will be very transparent. I am only going to wait a short time (maybe not even more than another day) for the grossly irresponsible Security Service Federal Credit Union (SSFCU) to respond to a separate complaint. If they don't, I'm taking them to federal court. When I take that step, I'm filing a contempt motion on all parties and outstanding issues at the same time.
So, I'm saying while I prefer resolution, time is about to run out. I deserve to have my still open bankruptcy case closed. I'm finishing it all up very soon. And I'm saying that Santander ever got and still had information about me is a HUGE problem. If there is some legal basis why they have that information, they can explain it to me or the judge, but I do not accept a general statement. And I did file a complaint against Gateway. Revdex.com couldn't reach them. I will be taking them to court.
Santander needs to send Toyota information so they can finish processing my GAP claim.
My vehicle was totaled on December 3, 2019. Geico paid off everything except $1,856. I have GAP protection through Toyota and they need two pieces of documentation. They need a copy of the checks Geico sent then and cancellation or expiration of the extended warranty on the vehicle. I have been trying to get them to send the information over since January. I've called them multiple times. There is never a supervisor to speak to or anything. Meanwhile my credit score continues to go down due to late payments post.
I want them to send them information to Toyota so they can pay them the rest of the money. I want them to restore my credit derogatory marks and I want them to stop says I'm late when it's there fault that they are not complaining with Toyota in giving them the information they need to pay them off.
April 23, 2020
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.:***
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that the vehicle associated with the account was deemed a total loss on or about December 3, 2019. On that date, the outstanding principal balance on the account was $10,540.02, which did not include outstanding interest or fees owed, if any.
We received a Total Loss Insurance payment in the amount of $9,440.41 on January 7, 2020 which was applied to the account effective December 3, 2019, the date of loss. This payment brought the account current and due for February 20, 2020 and left a remaining principle balance of $1,791.53.
After further review we have confirmed we faxed all requested documents on February 5, 2020, however per your request we faxed again all requested documents including copies of check provided by your insurance provider and the expired warranty again on April 21, 2020 to ensure they are being provided to your Guaranteed Asset Protection (GAP) carrier. Please note, your warranty was expired at the time of loss.
In reference to previous communications with Santander and multiple attempts to resolve your concerns, each representative you communicated with provided accurate information regarding your concerns. However, we are unable to substantiate your statement that you requested to speak with a supervisor and were unsuccessful. We apologize for any miscommunication or inconvenience this *** have caused.
Additionally, please note it is the customer's responsibility to continue to make payments on the account until all insurance proceeds are received and the account indicates a zero balance. As of the date of this correspondence your account is 63 days past due for February 20, 2020 and March 20, 2020 monthly payments.
The estimated amount to pay off your account is $1,906.86, which is good through *** 7, 2020. This payoff amount is subject to a final reconciliation and accounting and *** change if there are returned payments or fees assessed on the account within 30 days of this quote.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to credit reporting agencies shows on March 31, 2020 we reported your account as 30 days past due with a balance of $1,879.00. Prior delinquencies report as 6 times 30 days past due and 2 time 60 days past due.
We respectfully decline your request to make any changes to the information reported on the account as the information reported matches our records.
Enclosed are copies of your Retail Installment Sale Contract, Payment History and Payoff Quote.
We apologize if you feel that you have been treated in an unprofessional manner and hope that this explanation of your account is satisfactory to you. If further assistance is needed, please contact us directly at (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
You clearly stated that the warranty has expired and that is all the information that Toyota Gap wants. Can you please send that information to them so you can get paid. That's all I have been asking seen January of 2020z Please and thank you. They continually say they haven't received anything from you. I had to call Geico and get them to issue Toyota a copy of the checks. So can you please, please, please send Toyota the information about the expired extended warranty so they can issue you the balance. There is no way on earth that I should have contact Revdex.com to get you to do you job, we are going on 5 months. This is ridiculous and very unprofessional. Have a wonderful day.
5, 2020
***
3000 Whitings Brigade Dr. Apt. 404
Dumfries, VA XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.:***6391
Dear ***:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret that you remain unsatisfied with our previous response, our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
As stated previously, we faxed all requested documents including copies of check provided by your insurance provider and the copy of expired warranty again on April 21, 2020 to ensure they are being provided to your Guaranteed Asset Protection (GAP) carrier.
In addition, effective April 21, 2020 we received payment from your GAP carrier in the amount of $633.86 which is listed in the enclosed payment history. Santander does not determine the amount that either the insurance or the GAP carrier elects to pay.
Please note that it is the customer's responsibility to continue to make payments on the account until all insurance proceeds are received and the account reflects a zero balance.
Furthermore the estimated amount to pay off your account is $1, 272.38, good through *** 15, 2020. This payoff amount is subject to a final reconciliation and accounting and *** change if there are returned payments or fees assessed on the account within 30 days of this quote.
We apologize if you feel that you have been treated in an unprofessional manner and hope that this explanation of your account is satisfactory to you. If further assistance is needed, please contact us directly at (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Payment History
Refusal to resolve; collecting in violation of bankruptcy; and keeping private information which they werenever entitled to receive
This complaint involves two businesses, so for clarity etc. the same complaint is being filed under both. (In the case of Gateway in particular, the complaint is not comrehensive of all issues and violations over time including CS issues, other collection issues, and overcharging, etc.)
At this time, the complaint made is:
1. Alleged debt that was discharged in Feb. 2019 was claimed as owed to Santander. Both companiesnl have violated a federal discharge order that allows contempt proceedings to be brought at any time.
2. Gateway sold such debt, account, and data to Santander in 2020.
3. All transfer of data about me, including various sensitive data, and possession of it by Santander violates my rights and privacy. It poses ongoing risk to me.
4. Both companies have refused to resolve matters.
5. Gateway has not responded at all. Santander has not delivered a response. Instead, they abusively keep sending emails demanding I register with a third-party service to receive messages even after I specifically told them I will not do so. It was inappropriate of them to demand it in the first place.
6. I received one letter claiming an earlier sent collection attempt was a mistake. It does not make clear what mistake they admit. It is insufficient for resolution. It does not resolve the primary issue of a claimed balance or the transfer/possession of information by Santander.
Whereas there was no debt (no liability and no other liable party) since Feb. 2019, no information about me should have ever been given to Santander. Complete destruction of information about me from/with Santander is non-negotiable. Beyond that, both companies need to explain to my satisfaction how they will fix issues (both of them) so that this does not happen to anyone again to my satisfaction if I am going to avoid bringing them both to federal court on contempt. I prefer resolution through Revdex.com, but I'm quite prepared to force both into federal court as none of this should have ever happened.
April 22, 2020
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Please note, effective March 2, 2020 all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. A Transfer of Servicing (Conversion) letter was mailed to the address on file on February 21, 2020 advising you of the transfer. Another letter dated March 24, 2020 was sent advising the previous letter was sent to you in error and to disregard.
As stated in the March 24, 2020 letter, due to your Gateway account being resolved and closed prior to the transfer, you should not have been included in the communication from Santander. We apologize for any inconvenience or confusion this matter *** have caused.
Our records show that you filed Chapter 7 Bankruptcy on November 14, 2018 and your case was discharged on February 21, 2019. Santander is not pursuing any collection on your account.
Enclosed is a copy of both letters mentioned above.
Please be advised, this is not an attempt to collect a debt, this is for informational purposes only.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate the response and certain clarification. But,beven recognizing this, it is not sufficient for resolution even if I partially compromise. The most significant factor would be that the errant communication was predicated upon false transfer of a so-called account and sensitive, private information about me from Gateway to Santander. None such should have happened 12+ months after a bankruptcy discharge.
If the communication from the business is intended to indicate response also on behalf of Gateway, I will not accept that. Gateway will need to handle the separate complaint against them; otherwise I accept to take them to federal court on contempt (and possibly file separate litigation).
What needs to happen from here? If I am to consider lesser resolution that I wanted, the initial problem of the business receiving information about me must be addressed. Otherwise, it seems like the issue is being limited to a communication error, and such is not conensurate of the actual sum of issues. The business *** wish to keep in mind that these are issues that can be litigated, so it should not be treated as a simple "oops". And finally, lack of further debt collection communication is not alone a solution (besides issues indicated earlier), Maintaining an account in my name with a so-called balance is intolerable. There is no balance, and there *** be no account. And if such is going to remain, then I will pursue this further. The most minimal end result necessarily must be such as if Gateway's violation had never happened.
5, 2020
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us continued the opportunity to address your additional concerns.
We regret to learn that you did not accept our previous response and appreciate your feedback regarding this matter.
As stated in our previous response, effective March 2, 2020 all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. A Transfer of Servicing (Conversion) letter was mailed to the address on file on February 21, 2020 advising you of the transfer. Another letter dated March 24, 2020 was sent advising the previous letter was sent to you in error and to please disregard.
Please note, due to your Gateway account being resolved and closed prior to the transfer, you should not have been included in the communication from Santander. We apologize for any inconvenience or confusion this matter *** have caused.
Our records show that you filed Chapter 7 Bankruptcy on November 14, 2018 and your case was discharged on February 21, 2019. Please be advised that we are handling the account pursuant to national and local bankruptcy rules. By virtue of the bankruptcy filing, all property acquired pre and post-petition is subject to bankruptcy protection. Santander is not pursuing any collection on your account. As such, the previous communication sent in error was not an attempt to collect, assess, or recover a claim in violation of the bankruptcy code and was for informational purposes only.
Please note that if you choose to open a separate complaint with Gateway regarding this matter, you will need to contact them directly.
Please be advised, this is not an attempt to collect a debt, this is for informational purposes only.
Thank you again for allowing us the opportunity to address your additional concerns. If further assistance is needed, please contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response. And before I explain I wish to note that I don't think I complained with a threat or approach, at least, focused on the FDCPA violation. But to be clear, for perspective, I think the business should understand that a case can be made given that the business is not an original creditor (and other reasons, the legality of which I'm not going to get into here at this time).
Back to the more time sensitive matter, the reason for rejection, at least primarily, is that I don't see then issue being addressed on the business having information about me in the first place. There could have been no federal court order violation by this Santander if they had never received information about me. At the of discharge, to the extent there was a debt, there could be no further debt. At this time, we need not get into the legality of personal liability vs. "debt disappearance". Effectively, when there is no other responsible party but a bankruptcy debtor, upon discharge, there is no value to the alleged (and discharged) debt and therefore no "thing" of any substance to sell or transfer. There being no other liable party, it quite literally has no value, other than actual or potential illicit valie (for marketing, spam, selling private information, or even outright fraud, etc.)
So this gets back to the stated primary reason for rejection. There was no "real thing" for Gateway to sell or transfer to Santander. That action was a violation of my rights and caused (or led to) further violations. Basically, my account and former allegdled debt with Gateway should have "died" upon discharge. Effectively, it should have ceased to exist.
How is all of the foregoing still an issue if earlier letters were allegedly a mistake? To the extent that there are no further such letters, any notation on credit reports, or further claims of a balance, it would be easy for some to think there are no further likelihood of issues.
That would make this simpler, but it would be a mistake. Santander still had my private information and appears to have no plans to obliterate such data. I don't know Santander. A very quick look of news if the past decade reveals oodles of data security leaks and thefts. Even in a best case scenario, it would mean low probability of further transfer or theft of my data, not zero probability.
Well, they have my data, so how does disputing it make a difference? I can think of AT LEAST one right off the top of my head without much pondering. I'll share that to illustrate.
There appears to be no sign Santander understands there is a problem beyond one stray errant letter. So how about the next person (victim) or next corporate transfer of data? And was this one stray letter (allegedly) or am I just one person who happens to stand up out of 10,000?
There is a far bigger problem than a stray letter or phone rep rep claiming a balance. And I articulated that from the beginning. Now, I prefer resolution. But I have no problem proceeding with going to federal court if that's what it takes.
I will be very transparent. I am only going to wait a short time (maybe not even more than another day) for the grossly irresponsible Security Service Federal Credit Union (SSFCU) to respond to a separate complaint. If they don't, I'm taking them to federal court. When I take that step, I'm filing a contempt motion on all parties and outstanding issues at the same time.
So, I'm saying while I prefer resolution, time is about to run out. I deserve to have my still open bankruptcy case closed. I'm finishing it all up very soon. And I'm saying that Santander ever got and still had information about me is a HUGE problem. If there is some legal basis why they have that information, they can explain it to me or the judge, but I do not accept a general statement. And I did file a complaint against Gateway. Revdex.com couldn't reach them. I will be taking them to court.
We are apart of the Chevy Equinox lawsuit of 2019 and our car broke down due to no fault of our own and they won't work with us or give us any options
We called and asked to get out of our contract or to see if there was additional solutions but the person who we talked to on the phone was rude and wasn't helpful. We are apart of the world class action lawsuit of the Chevy Equinox lawsuit 2019. Where Chevy Equinoxes years XXXX - XXXX were not suppossed to be sold due to high excessive oil consumption. I have a 2012 Chevy Equinox that has broken down and will always continue breaking down. We fixed it and it broke down again due to no fault of our own. It broke down because of the excessive oil consumption. It's amazing how this wasn't our fault and nobody wants to help us especially when those who are at fault. Why would we want to lay for a car that doesn't work and doesn't work because of the manufacturer and dealerships fault. Chrysler Capital should go after Landmark Dodge Chrysler in Independence MO for the rest of the money left on the car. We would like to cancel our contract with no penalties unless the dealership can offer us a trade in for another car with the same price contract.
We want to cancel out our contract and have the dealership pay for the rest owed.
April 23, 2020
***
*** St.
***, WI XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret any inconvenience that you may have experienced in attempting to resolve the issue concerning the Vehicles involvement in a Class Action Lawsuit. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on July 21, 2017 with Landmark Dodge Chrysler Jeep (Dealership) in connection with the purchase of a 2012 Chevrolet Equinox (Vehicle). The amount financed was $12,070.00 at an annual percentage rate of 14.99%. The payment schedule called for 72 monthly payments of $256.72 each, with the first payment due on September 4, 2017. The Contract was assigned to Chrysler Capital.
In regard to your repair concerns, please be advised that you are responsible for any maintenance and repairs to the Vehicle.
As such, we are unable to assist you with your request regarding the repairs to the Vehicle, as we do not provide any services related to vehicle maintenance, repairs, recalls or any involvement with 3rd party Class Action Lawsuits. We kindly refer you to contact Fiat Chrysler Automobiles US LLC (FCA) directly at X(XXX) XXX.9753 as Chrysler Capital is not the manufacture.
Regarding your request to return the vehicle, please be advised that taking the vehicle back is a decision that would be determined by the originating Dealership. We kindly suggest reaching out to the Dealership for questions regarding this matter.
Further note that it is the customer's responsibility to continue to make payments on the account until the account indicates a zero balance. We apologize for any inconvenience regarding this matter.
A review of the account indicates that on April 15, 2020, you were granted 2 monthly extensions for February and March 2020. As of the date of this correspondence, a payment in the amount of $273.16 is due for April 4, 2020.
Although we empathize with your situation, we respectfully decline your request to cancel the Contract without penalties as this matter would need to be escalated to FCA to make a final decision on how this matter regarding repairs would need to be resolved.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed please contact us directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Contract
Payment History
Extension Approval Letter
(The consumer indicated he/she DID NOT accept the response from the business.)
They knew they weren't supposed to sell the vehicle. They knew about the problems before sold. They did not enclose what was wrong with the vehicle when selling it in which they are required to do so by law. The fact that they arw not offering any solution at all, shows they do not care about their customers. They are just in it for the money.
8, 2020
***
224 Nelson St.
Sharon, WI XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you again for allowing us the continued opportunity to address your concerns.
We regret that you remained dissatisfied with our previous response. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Please note that the vehicle associated with the above-referenced account was purchased and financed in July 2017. Based off of the information listed in the complaint, the Lawsuit began in 2019 where it was discovered that there were mechanical issues. Therefore, we are unable to address claims that enclosures or disclosures should have been provided with these issues at the time of purchase, being that the matter was not made aware of until after the vehicle purchase. We apologize for any inconvenience or misunderstanding regarding this matter.
Although we empathize with your situation, we are unable to assist you with your request regarding the repairs to the vehicle, as we do not provide any services related to vehicle maintenance, repairs, recalls or any involvement with 3rd party Class Action Lawsuits.
We kindly refer you to contact the vehicle manufacturer General Motors Company as Chrysler Capital is not the manufacture. This matter would need to be escalated to the manufacturer to make a final decision regarding repairs that would need to be resolved.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed please contact us directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she DID NOT accept the response from the business.)
We do not accept because they did not do anything but basically tell us to deal with it. They did not offer any support at all. I am sure there is something they can do but not only did they not offer anything nor did they seem apologetic or sympathetic. The law suit was in 2019 but that is not when they found the problems. If they read the lawsuit, they would have known that the manufacturer told them and the car dealership that the car wasn't supposed to be sold due to defects. Do they not do any research before accepting offers? Or do they always believe the car dealership right off hand.
I have a car loan payment with this company and During covid-19 I was not be able to make a payment because I was unemployed, so I called Santander Consumer to see if I can push back the payments for couple of months! I have to say they are not really trying to help , they are charging me interested for those 2 months ....Very disappointed.
Santander is such a horrible company. I asked for help with everything that is going on right now in the world. I was told that the would give me two extension on my auto loan and my next payment would not be tell 5-28-20. The sent me a e-consent to sign in March I e-signed It with in minute and I have proof. But today two weeks later they said I did not send the document in time so that I owe the payment now. OMG how can a company be so shady.
I have a car loan payment with this company and During covid-19 I was not be able to make a payment because I was unemployed, so I called Santander Consumer to see if I can push back the payments for couple of months! I have to say they are not really trying to help , they are charging me interested for those 2 months ....Very disappointed.
Santander is such a horrible company. I asked for help with everything that is going on right now in the world. I was told that the would give me two extension on my auto loan and my next payment would not be tell 5-28-20. The sent me a e-consent to sign in March I e-signed It with in minute and I have proof. But today two weeks later they said I did not send the document in time so that I owe the payment now. OMG how can a company be so shady.
This is an attempt to get some assistance for the lack of effective customer service support from Santander USA reagarding a GAP insurance claim.
On February 4, 2020 I was involved in a hit and run car accident. I took all the necessary steps in contacting my GEICO insurance provider to begin my claim. On February 12, 2020 I signed the documentation to have my car released from the Lexus dealership back to GEICO, because the car was deemed a total loss due to the frame damage. GEICO provided me with the value of my vehicle and issued a check in the payment of $16,329.09 to Santander Consumer USA (Acct #XXXXXXXX) on February 14, 2020 leaving me with a balance to pay to Santander in the amount of $5,662.47. A day before on February 13, 2020, I started the GAP insurance process with Lexus Financial GAP Insurance, in hopes that they will cover the remaining balance. The GAP insurance sent me a Lienholder/Lessor Report of Total Loss - Consent to Release Information in which I had to complete and fax to Santander. The details and information that needed to be released to GAP insurance was the following: finance account details, the completed "Lienholder/Lessor Report of Total Loss form, copy of the Retail Installment Contract Agreement, customers complete payment history, copy of the insurance settlement check, copy of the insurance company's Vehicle Evaluation (including all options and accessories), insurance settlement breakdown, proof of cancellation refunds checks for all ancillary, and additional documents such as police report. Since I opened the GAP insurance claim, I have called both Santander and GAP every week for follow-ups and each time GAP has informed me that they have not received the information/documentation from Santander. Every time I call Santander, they inform me that they have sent the requested information/documentation. This has been quite discouraging and frustrating. About 2-3 weeks ago I took an extra effort to call Santander and request a supervisor to be on a 3-way call with a GAP insurance agent, so that all parties were clear as to what was needed. The Santander supervisor assured me that the information/documentation would be sent, but to date on April 7, 2020 they have not received anything. I feel as though I am being led to believe they are sending the information/documentation, but to no avail this turns out to not be the case. On March 30, 2020 I even requested to speak to a supervisor once more from Santander, but none were available. The agent stated one would call on April 1, 2020, but that did not happen. This is truly placing me in a difficult position. Until I can get the remaining balance reviewed and possibly approved for payment by GAP, I will have to continue to pay the monthly cost of the remaining balance at $567.51 a month for a vehicle I no longer have in my possession. My final breaking point was today when I called GAP and they informed me they had yet to receive anything. I then called Santander and both times I called it appeared as though my call was released (the call hung up when I selected to speak to an agent). This has placed a strain on me, because I cannot afford to purchase another car and I must rent a car every week at my own expense, which I have been doing the past month. I am a teacher, with a young child and having transportation is needed greatly to ensure she and I can get to and from school as well as her extra-curricular activities. Her father, my fiancé is deceased, so she is depended on me. The goal is that I am treated fairly with my attempted claim with GAP, but Santander is not making that possible. As a final note Santander cashed the check issued to them on February 14, 2020 from GEICO on March 3, 2020. I do thank you in advance for your time and attention in this matter.
The resolution I am seeking in this matter is that Santander effectively and expeditiously submit the information/documentation to the GAP insurance. I realistically understand that it is a process and takes time for review on the part of GAP, but I will never reach that point, if Santander is failing to provide what is needed. All in all, I complied with GEICO to ensure that Santander received all the documentation they needed, along with their payment for the value of the car deemed a total loss and I just want the same treatment and support, so that I can possibly seek the coverage of having the remaining balance secured by GAP.
April 23, 2020
***
XXXXX ***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Unfortunately, current events may be affecting our customers and we regret any inconvenience you may be experiencing during these times. Please be advised that we are currently experiencing high call volume and unforeseen delays at this time. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records show that the Vehicle associated with the above-referenced account was deemed a total loss on or about February 4, 2020. At the time of the total loss, the principal balance on the account was $21,991.56.
The enclosed payment history indicates that a total loss check, in the amount of $16,329.09 was received on February 28, 2020, and posted to the account with an effective date of February 4, 2020, the date of the loss. The application of the total loss insurance payment reduced the principal balance amount to $5,931.77. A payment in the amount of $766.53 was received on February 29, 2020, which reduced the principal balance to $5,431.79.
A review of the account indicates that you purchased a Guaranteed Asset Protection Program (GAP) through Toyota Insurance Management Solutions (Toyota Solutions). Please be advised that our Insurance Department faxed documents to the Toyota Solutions on March 17, 2020, and April 13, 2020. On April 14, 2020 a representative with Santander's Insurance Department contacted Toyota Solutions for the status of the claim. A representative with Toyota Solutions stated that they did in fact receive 29 pages via fax on April 13, 2020 and to allow up to seven days for review.
In an effort to resolve the matter, our Insurance Department contacted Toyota Solutions for a status update on April 22, 2020. A representative from Toyota Solutions stated that the following documents were needed: the payoff amount as of the date of loss, a copy of the account Contract and proof of the Extended Warranty refund. Please note as of April 22, 2020, all documents have been submitted to Toyota Solutions ,with the exception of the Extended Warranty refund (product cancellation proceeds), as we are still currently pending receipt of the product cancellation check.
Further note that it is the customer's responsibility to continue to make payments on the account until the account reflects a zero balance. We apologize for any inconvenience regarding this matter.
Thank you again for the opportunity to address your concerns. If further assistance is needed, you may contact our Insurance Department directly at X(XXX) XXX-XXXX (Option 2).
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Payment History
Hello, this is a follow-up to my claim submitted last month. I did not realize the claim would be closed. I have still not had things handled with Santander. As indicated in my initial claim, I had the accident back in February. I currently have one last document that now needs to be sent by Santander and they have failed to do so. The Lexus Financial GAP Insurance is in need of the cancellation of all products on the vehicle and a copy of the checks. The GAP insurance stated the maintenance and tires/wheels products need to be cancelled. I have requested this several times from Santander, but nothing has been received.
May 22, 2020
***
XXXXX ***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you again for allowing us the opportunity to address your concerns.
We regret that you remained dissatisfied with our previous response. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter. We may be able to provide assistance to you in the form of a due date change. Please contact our offices as soon as possible regarding this assistance. Please note that on May 22, 2020, we made an attempt to contact you regarding this matter.
Our records indicate that purchased an Extended Warranty and Road Hazard Tire and Wheel Coverage (Tire and Wheel) through Associated Dealers Warranty Corp.
A review of the account indicates that on May 12, 2020, you spoke to an Executive Office representative regarding concerns of a delay in your ancillary product refunds. After a review of the account, it was determined that the Extended Warranty had expired, therefore, there would be no expected refund for this product.
Upon further research, the Executive Office Representative determined that there would in fact be a refund for the Tire and Wheel product. Please be advised that we do not determine the amount that Associated Dealers Warranty Corp. elects to pay. We request that you contact your Tire and Wheel administrator for further cancellation and refund details at X (XXX) XXX-XXXX.
Regarding concerns of a closed claim, our records indicate that the total loss claim has been closed as proceeds from the insurance company has posted to the account. The GAP claim, however, remains open until the claim is complete.
Thank you again for the opportunity to address your concerns. If further assistance is needed, you may contact our Insurance Department directly at X(XXX) XXX-XXXX (Option 2).
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures:
Guaranteed Auto Protection Program
Extended Warranty
Tire and Wheel
I have no knowledge of this company running my credit.
Other (requires explanation) I would like this removed from my credit report on all three credit bureaus.
April 14, 2020
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*** Drive
*** OK XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding a credit inquiry made by Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the credit inquiry in question.
In an effort to assist you and to resolve this matter quickly, we request that you provide us with information such as: the Application ID number, your complete Social Security Number, copy of credit report showing the date of the inquiry and any other information you may have so that we can identify the inquiry and review this matter further. You *** send the requested information through the Revdex.com.
Once the requested information is received, we will review this matter further and respond accordingly.
Thank you again for the opportunity to address your concerns. If further assistance is needed you *** contact us at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
See attached complaint.Click here to Get the File - use the Password: XXXXXA3Bhttps://bluecomplaints.Revdex.com.org/attachment/?c=XXXXXXXX
Other (requires explanation) see Attached document
April, 14, 2020
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***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding your Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that on January 29, 2018, the account sold to a third party, Deville Asset Management, LLC as such, we are unable to take any servicing actions on the account.
Our records indicate that on August 11, 2015, you entered into a Retail Installment Sale Contract (Contract) with Roll's Auto Sales (Dealership) in connection with the purchase of a 2010 Audi A5 (Vehicle). The amount financed was $18,953.00 at an annual percentage rate of 21.00%. The payment schedule called for 72 monthly payments of $464.92 each, with the first payment due on September 10, 2015. Santander was assignee of the Contract.
A letter titled "Notice of Right to Cure Default" (RTC) dated August 21, 2016, was mailed to the address on file: *** XXXXX-XXXX, explaining the total amount of $902.98 was due by September 03, 2016, to prevent the Vehicle from being repossessed.
The default was not cured and the Vehicle was repossessed on October 7, 2016, due to the account being 99 days past due.
After the repossession, a letter titled, "Notice of Our Plan to Sell Property" (NOI), dated October 7, 2016, a was mailed to the address on file, explaining the Vehicle will sell at a private sale sometime after October 25, 2016, but also gave you the option to redeem the Vehicle. Our records indicate the Vehicle was not redeemed and on *** 10, 2017, and was sold at auction leaving a deficiency account balance.
A letter titled, Explanation of Calculation of Surplus or Deficiency letter dated *** 29, 2017, was mailed to the address on file, explaining the deficiency amount due after the sale of the Vehicle was $14,866.53.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
Based on the information provided, on April 13, 2020, we submitted an update to the credit reporting agencies, we advised the agencies that the account was Sold/Charged Off with a zero balance and purchased by another company Deville Asset Management, LLC. The account charged off on December 31, 2016, when it became more than 120 days past due.
After a review of the information provided in your complaint, a Santander Identity Theft Victim packet has been prepared and will be sent to the address in your complaint for you to complete and return to our Fraud Risk Department. Please complete the packet as directed on the cover letter and provide all requested documentation. Further note that the packet requires specific proof of identity information, a police report, and you will need to have the signature page notarized.
Once the requested information is received, the matter will be further reviewed by our Fraud Risk Department and a response will be provided. No further action can be taken on the credit reporting on your account until their review is completed.
Enclosed are copies of account related documents.
Thank you again for allowing us the opportunity to address your concerns. If you have any further questions regarding the Fraud Packet, please contact our Fraud Risk Department at X (XXX) XXX.7716. We kindly request that all other inquiries or requests regarding the account be directed to Deville Asset Management, LLC at (XXX) XXX.1831.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Notice of Repossession and Notice of Our Plan to Sell Property
Notice of Right to Cure Default and Requirement of Strict Compliance
Explanation of Calculation of Surplus of Deficiency
Santander bought the loan from gateway lending in december for 1778.59, I received a letter march 4th from santander that states they bought the loan
santander states I am 3 months late, but the payments were automatically paid to gateway lending I called santander spoke with Agent kamren # XXXXXX to explain that the payments were automatically been paid to gateway lending he tried to tell me that I still have to pay those late payments that they did not have anything to do with gateway lending it just did not make any sense I asked to speak to a manager and somehow they disconnected I have not hear from them since april 1st
i am looking to be current with my loan and possibly paid them off
April 17, 2020
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XXXXX *** Lane
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Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear ***:
We have received your complaint submitted through Revdex.com (Revdex.com), regarding an account previously with Gateway One Lending & Finance (Gateway) now being serviced by Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Please note that effective March 2, 2020 all Gateway accounts will now be serviced by Santander. A letter dated February 21, 2020 titled "Transfer of Servicing", the letter advised of the transfer of service and payment options after the effective date of March 2, 2020, a copy of which is enclosed.
Our records show that as of the date of this correspondence your account is 93 days past due and due for the months of January 2020, February 2020, March 2020 and April 2020 in the amount of $122.27 for each month. Please note, the delinquency started accruing prior to the conversion from Gateway. Our records do not show that automatic payments were set up on the account as there are months in which no payment was received.
Our records further show that on April 1, 2020 you spoke with a Santander agent which advised of the account status. On that call you stated you would make payment on April 14, 2020 but no payment has been received.
Please note due to your concerns of the delinquency the agent advised are Accounting Department to review your account and payment history and the agent advised you to call back to confirm our Accounting Department's results.
After a thorough review of the call, we are unable to substantiate your statement that on that call you asked for a manager or that you were disconnected.
On April 3, 2020 our Accounting Department performed an audit and determined your past due and account status is correct.
As of the date of this response, the estimated amount to pay off your account is $1, 757.86, good through April 30, 2020. A Payoff Letter is enclosed. Title to the vehicle will not be released until the account is paid in full.
We respectfully suggest that you contact us at the telephone number below as soon as possible to discuss payment options or to discuss other assistance that may be available on the account.
We respectfully decline your request to bring your account current.
We hope that the explanation provided is satisfactory to you. If further assistance is needed, please contact us directly at 1(888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Transfer of Servicing Letter
Payoff Letter
I wanted to pay off my loan early because I wanted to sell my vehicle and didn't want the extra hassle of selling it with an open lien on the car. So I mailed a certified cashiers check as instructed by the by lien holder (Gateway One Lending at this time). I waited a long time calling each week to check it. Finally after about a month I find out that my loan was sold off to a new bank, Santander. I call the new lien holder, Santander, and they inform me that the balance is still showing the same and they know nothing about the cashiers check I mailed to Gateway One Lending. As per their instructions, I did an online payment to pay off my balance in order to expidite the time to receive my title. After more weeks pass by I call them again to ask "whats next". They informed me at that time that they will notify the Arizona MVD to let them know that the loan is paid off and the MVD will then mail me the new and clear title. After more weeks pass by and nothing happens I call the MVD and they inform me that not only have they received no notification of payoff but that the title still shows Gateway One Lending as the lien holder. When I try to call back to Santander to resolve this I am no longer able to get passed the automated phone system to speak with a customer service representative because it will not recognize my account number or social security number and then ends the call. I have tried many times now to get through by using the phone system and it does the same thing every time. There is another option to send a message via my online account portal which I have done now multiple times and have received any reply. In fact I have never encountered a more problematic automated phone service in that is is impossible for me to speak or get through to a representative. Not only have they robbed me of the opportunity to sell by vehicle during tax season when it would net the highest selling price but now after all of this delay and with the coronavirus I don't know if I will be able to sell my vehicle at all.
Product_Or_Service: auto loan
Other (requires explanation) To receive my clear title in hand.
April 17, 2020
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Re: Revdex.com Complaint Number: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn about your experience while attempting contact with us to pay off your account and receive your title. Our customers' concerns are of the utmost importance to us and we appreciate your feedback.
Please note that effective March 2, 2020, all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander.
Regarding any payments made to Gateway, we kindly ask that you contact Gateway for any refunds, if any.
In reference to your concerns about attempting multiple times to make contact with our Customer Service Department, our records indicate on March 12, 2020 you submitted a Live Chat to which we responded. Additionally, our records indicate on April 1, 2020 and April 6 2020 Web Submissions were created. On April 13, 2020 contact was made with our Executive Office Department, to which they addressed your concerns regarding your payment made to Gateway, the title and payoff payment submitted.
We are aware of the current events that may be affecting our customers and regret any inconvenience as we are currently experiencing a significantly higher inbound volume of calls and emails than usual. We apologize for any inconvenience this may have caused.
After a review of the account, our records indicate we received a payment in the amount of $2,000.00 on March 3, 2020, leaving a remaining balance of $363.15. On March 4, 2020, we received a payoff in the amount of $366.74 to bring the account balance to zero. On March 13, 2020, we released the title to the vehicle.
Please be advised, as of April 14, 2020, the State of Arizona Motor Vehicle Department has cleared the title and will mail your title to the address listed above.
Enclosed is a copy of the Conversion Letter, Payment History and Paid in Full Letter.
Thank you again for allowing us the opportunity to address your concerns. If you have further questions, please contact our Customer Service Department at (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I have no knowledge of this company running my credit.
Other (requires explanation) I would like this removed from my credit report on all three credit bureaus.
April 14, 2020
***
*** Drive
*** OK XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding a credit inquiry made by Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the credit inquiry in question.
In an effort to assist you and to resolve this matter quickly, we request that you provide us with information such as: the Application ID number, your complete Social Security Number, copy of credit report showing the date of the inquiry and any other information you may have so that we can identify the inquiry and review this matter further. You *** send the requested information through the Revdex.com.
Once the requested information is received, we will review this matter further and respond accordingly.
Thank you again for the opportunity to address your concerns. If further assistance is needed you *** contact us at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Santander keep reporting my account 30 days past due which is incorrect this happens every month or every other month.
Santander keep reporting my account 30 days past due and when I call them they tell me to just file a dispute with the credit bureaus, I told them I'm in the process of building a home and this is affecting my credit score and all they keep telling me is to file a dispute.
I want Santander to fix my account and don't ever let this happen again and a few years ago I did make a few payments late, due to this emotional distress that I'm facing I'm requesting those late payments be forgiving.
April 20, 2020
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XXXXX ***
*** XXXXX
Re: Revdex.com Complaint No.: XXXXXXXX
Santander Account No.: ***
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA (Santander) account. Thank you for allowing us the opportunity to address your concerns.
According to our records, on February 23, 2016 you entered into a Retail Installment Sale Contract (Contract) in connection with financing the purchase of a 2016 Chevrolet Malibu Limit (Vehicle). The amount financed was $18,842.82 at an annual percentage rate of 16.51%. The payment schedule called for 72 monthly payments in the amount of $414.04 each, beginning March 24, 2016. Santander was the assignee of the Contract.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
Further note that Santander merely furnishes credit information and is not a credit reporting agency, and has no control over credit scores or the contents of credit histories maintained by any particular credit reporting agency. Likewise, if you feel that the information reported is inaccurate you will need to file a dispute with the agencies directly.
A review of the information provided to the credit reporting agencies shows that on March 19, 2020, we advised the agencies that the account is current with a balance of $11,731.00. In addition to a repossession reported for August 2016, the account has previously been reported six (6) times as thirty (30) days late for the months of June 2016 and June, July, September, October, and December 2017. The account has also been reported one (1) time as sixty (60) days late for the month of July 2016.
With regards to the payments that have been reported late, a review of the payment history reflects the following:
The payments due for May and June 24, 2016 were not received until August 5, 2016; therefore, the account was reported 30 days late in June 2016 and 60 days late in July 2016.
The payment due for May 24, 2017 was not received until July 19, 2017; therefore the account was reported 30 days late in June 2017.
The payment due for June 24, 2017 was not received until August 2, 2017; therefore the account was reported 30 days late in July 2017.
The payment due for August 24, 2017 was not received until payments in the amount of $114.04 posted on September 29, 2017 and $300.00 on October 4, 2017; therefore, the account was reported 30 days late in September 2017.
The payment due for September 24, 2017 was not received until November 1, 2017; therefore, the account was reported 30 days late in October 2017.
The payment due for November 2017 was not received until payments in the amount of $314.00 posted on December 27, 2017 and $100.00 on January 3, 2018 therefore, the account was reported 30 days late in December 2017.
As such, we respectfully decline your request to update the information being reported on your account, as we have confirmed that the information reported matches our records.
Please find pertinent account documents enclosed for your review.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1(888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA I.
Enclosures:
Contract
Notices of Right to Cure Default (2)
Notice of Our Plan to Sell Property
Payment History
(The consumer indicated he/she DID NOT accept the response from the business.)
I explained that I had a few late payments Santander is reporting old late payments and I only had seven not eight Santander is also now reporting my remaining balance incorrect.
5, 2020
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XXXXX ***
***, *** XXXXX
Re: Revdex.com Complaint No.: XXXXXXXX
Santander Account No.: ***
Dear ***:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA (Santander) account. Thank you for allowing us the continued opportunity to address your concerns.
We are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to the credit reporting agencies shows that on April 28, 2020, an update was submitted to advise the agencies that the account should reflect as current with a balance of $11,861.00. In addition to a repossession reported for August 2016, the update will also show that the account has previously been reported six (6) times as thirty (30) days late for the months of March and June 2016 and June, July, September, and December 2017. The account has also been reported one (1) time as sixty (60) days late for the month of July 2016 for a total of 7 late payments reported.
Please allow 30 days for the update to be processed. The update was submitted under Audit No. XXXXXXXX, and you may reference this number with any future communication you may have with the credit reporting agencies.
Please accept our apologies for the incorrect reported balance and months where late payments should not have been reported, as the error was the result of an internal processing issue. However, we respectfully decline your request to make any further updates to the information being reported on your account, as we have confirmed that the information reported matches our records.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1(888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA I.