Santander Consumer USA Reviews (%countItem)
Santander Consumer USA Rating
Address: 1601 Elm St. STE 800, Dallas, Texas, United States, 75201-4701
Phone: |
Show more...
|
Fax: |
+1 (214) 237-2421 |
Web: |
www.roadloans.com
|
Add contact information for Santander Consumer USA
Add new contacts
ADVERTISEMENT
My name is *** and I purchased a car through RPT Sales & Leasing. I had been paying on this car through Santander Bank for years and after my partner passed away as a victim of a senseless crime, I became a single mother of two. I fell into hard times and was not able to make payments for a while because my late spouse was the one who assisted me with the payments, however once my car was repossessed on 2/20/20, I was already saving to pay full amount for the car.I had some money but not all. I've been in contact with the Santander Bank ever since to resolve the issue and had until today to 3/4/2020 to get the car paid, I had called and asked for all of the information to pay my debt and every time I called there was something that was omitted from the information. Finally, my family came through with the last monies owed and I had to go to several places to be able to make the payment of $15,000.00 and guess what they tell me? Your car is at the Auction and you will not be able to pick it up from the lot because we have to let them know that you made the payment and that I will not be able to get the car until maybe Friday...I cannot believe that after all of the sacrifice to keep my credit in good standing and all the odd jobs I had to work in order to make this happen they will come and say that I have to wait until Friday to get my car because they did not believe in me to make a payment that I worked and begged to get all of the money together for. It is unbelievable how people take satisfaction in kicking you while you are down! It is with tears of hard work, sacrifice and anger that I write you this information, I have no more money to continue to pour into this car and they mentioned that I would have to pay fees. Fees for what? It is not enough that I just paid $15,000.00, that my car gets to the auction anyway, that I had to pay to get transportation to and from places that are far in between in order to gather the money, go to money gram at different Walmart's because they could not figure out how to send the money gram due to the payoff amount being so high, pay extra money so that they could do two transactions in order to send the money immediately. This is the worst place to get any type of loan for a car, imagine a house or any other resource that you need to be able to live. There is no consideration, no compassion, no empathy for anyone! All Santander Bank want is money but even after they get their money, they still step over you and make you feel like a cockroach, like you're not worthy of anything, like you cannot afford anything. My late spouse passed and this was my gift from him the last thing he got me so that I can have my dream car and I am about to lose it just because of the incompetency of a Bank that after giving me a definite date and I come through with all their demands continue to ask for more and more money!!!!!! In my opinion their goal is to get as much money as possible for the miserable CEO!!!
Product_Or_Service: Sale of Jaguar
Other (requires explanation) To be able to pick up my car without any more charges because I paid full amount and should have had my car TODAY and not MAYBE, Friday 3/6/2020. I still have to pay to get to my jobs AND TO GET THE CAR AT WHATEVER LOCATION THEY FEEL IS BEST FOR ME THEM TO GET MORE MONEY I cannot afford MORE!!!
March 27, 2020
***
*** Creek Blvd
*** FL 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.
According to our records, the vehicle associated with the above-referenced account was assigned for repossession and secured on February 19, 2020 when the account was 483 days past due. Please be advised that when a vehicle is repossessed it may be transported to an auction facility within 10 days of being secured if arrangements are not made to redeem the vehicle and/or bring the account current.
After the repossession we sent a letter to the address on file titled "Notice of our Plan to Sell Property" (NOI), dated February 19, 2020. This notice advised that you had until March 4, 2020 to pay the account balance in full or we would sell the vehicle at a private auction.
On March 4, 2020, the last day to retrieve the vehicle per the aforementioned NOI, Santander agreed to settle your account for $15,000.00, waiving an additional $7,835.72 from your principal balance. We received the funds the same day and advised you that the vehicle would be transported back to the repossession agent lot for pick up, sometime on or after March 6, 2020. Our records show that you redeemed the vehicle on March 11, 2020 and that your account indicates a zero balance. We believe this matter to now be resolved.
We empathize with your situation and apologize for any inconvenience this may have caused you.
Enclosed, please find account documents for your records.
Thank you again for allowing us the opportunity to address your concerns. You may contact us directly at 1(888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures:
Contract
Notice of Right to Cure Default
Notice of Our Plan to Sell Property
Settlement Offer Agreement
Paid in Full Letter
Payment History
My name is *** and I purchased a car through RPT Sales & Leasing. I had been paying on this car through Santander Bank for years and after my partner passed away as a victim of a senseless crime, I became a single mother of two. I fell into hard times and was not able to make payments for a while because my late spouse was the one who assisted me with the payments, however once my car was repossessed on 2/20/20, I was already saving to pay full amount for the car.I had some money but not all. I've been in contact with the Santander Bank ever since to resolve the issue and had until today to 3/4/2020 to get the car paid, I had called and asked for all of the information to pay my debt and every time I called there was something that was omitted from the information. Finally, my family came through with the last monies owed and I had to go to several places to be able to make the payment of $15,000.00 and guess what they tell me? Your car is at the Auction and you will not be able to pick it up from the lot because we have to let them know that you made the payment and that I will not be able to get the car until maybe Friday...I cannot believe that after all of the sacrifice to keep my credit in good standing and all the odd jobs I had to work in order to make this happen they will come and say that I have to wait until Friday to get my car because they did not believe in me to make a payment that I worked and begged to get all of the money together for. It is unbelievable how people take satisfaction in kicking you while you are down! It is with tears of hard work, sacrifice and anger that I write you this information, I have no more money to continue to pour into this car and they mentioned that I would have to pay fees. Fees for what? It is not enough that I just paid $15,000.00, that my car gets to the auction anyway, that I had to pay to get transportation to and from places that are far in between in order to gather the money, go to money gram at different Walmart's because they could not figure out how to send the money gram due to the payoff amount being so high, pay extra money so that they could do two transactions in order to send the money immediately. This is the worst place to get any type of loan for a car, imagine a house or any other resource that you need to be able to live. There is no consideration, no compassion, no empathy for anyone! All Santander Bank want is money but even after they get their money, they still step over you and make you feel like a cockroach, like you're not worthy of anything, like you cannot afford anything. My late spouse passed and this was my gift from him the last thing he got me so that I can have my dream car and I am about to lose it just because of the incompetency of a Bank that after giving me a definite date and I come through with all their demands continue to ask for more and more money!!!!!! In my opinion their goal is to get as much money as possible for the miserable CEO!!!
Product_Or_Service: Sale of Jaguar
Other (requires explanation) To be able to pick up my car without any more charges because I paid full amount and should have had my car TODAY and not MAYBE, Friday 3/6/2020. I still have to pay to get to my jobs AND TO GET THE CAR AT WHATEVER LOCATION THEY FEEL IS BEST FOR ME THEM TO GET MORE MONEY I cannot afford MORE!!!
March 27, 2020
***
*** Creek Blvd
*** FL 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.
According to our records, the vehicle associated with the above-referenced account was assigned for repossession and secured on February 19, 2020 when the account was 483 days past due. Please be advised that when a vehicle is repossessed it may be transported to an auction facility within 10 days of being secured if arrangements are not made to redeem the vehicle and/or bring the account current.
After the repossession we sent a letter to the address on file titled "Notice of our Plan to Sell Property" (NOI), dated February 19, 2020. This notice advised that you had until March 4, 2020 to pay the account balance in full or we would sell the vehicle at a private auction.
On March 4, 2020, the last day to retrieve the vehicle per the aforementioned NOI, Santander agreed to settle your account for $15,000.00, waiving an additional $7,835.72 from your principal balance. We received the funds the same day and advised you that the vehicle would be transported back to the repossession agent lot for pick up, sometime on or after March 6, 2020. Our records show that you redeemed the vehicle on March 11, 2020 and that your account indicates a zero balance. We believe this matter to now be resolved.
We empathize with your situation and apologize for any inconvenience this may have caused you.
Enclosed, please find account documents for your records.
Thank you again for allowing us the opportunity to address your concerns. You may contact us directly at 1(888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures:
Contract
Notice of Right to Cure Default
Notice of Our Plan to Sell Property
Settlement Offer Agreement
Paid in Full Letter
Payment History
An order of discharge for a Chapter 13 bankruptcy was granted to me on 10/24/2017. Releasing me of all liability in regards to my vehicle loan with Santander Consumer USA. All payments from the plan were paid on time and agreed on with no objections with the meeting of creditors. It is currently March 4, 2020 and Santander Consumer USA has not provided me the title to the vehicle. The DMV states my car is steal under Santander Consumer USA. I am requesting my title is released to me, in my name immediately.
Delivery I am requesting my title in addition to a sum of $2500.00 for having to wait 3 years for my title and for Santander Consumer USA disregarding the orders of the court.
March 17, 2020
***
P.O. Box ***
Helendale, CA XXXXX
Re: Revdex.com Complaint 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.
Our records indicate that on September 30, 2015, the account sold to a third party, NCEP, LLC; therefore, we are unable to take any action concerning the servicing of the account.
Our records indicate that on December 1, 2009, you entered into a California Retail Installment Contract (Contract) with CarMax Auto Superstores (Dealership) in connection with the purchase of a 2008 Suzuki XL-7 (Vehicle). The amount financed was $20,769.51 at an annual percentage rate of 17.49%. The payment schedule called for 72 monthly payments of $471.15 each, with the first payment due on January 15, 2010. Santander was assignee of the Contract.
Regarding concerns that payments were made according to the contractual terms, over the life of the account with Santander, you requested and were granted 6 monthly extensions and 1 due date change. Our records further indicate that 28 payments were received more than 10 days late, causing late fees to be assessed. Additionally, in some months no payment was received.
On June 6, 2012, in an effort to assist you, upon your request, you were granted a Temporary Modification Agreement (Modification) to the account. The Modification lowered your payments from $471.15 to $342.47, for a term of 6 months, beginning July 13, 2012 and expiring on December 13, 2012.
Please be advised your account servicing would no longer be active with Santander after the date of the account sale. Therefore, we kindly refer you to NCEP, LLC regarding your title concerns. We apologize for any inconvenience this matter may have cause.
We respectfully decline your request to provide $2,500.00 in compensation.
Please be advised this letter is not an attempt to collect a debt and is being provided for informational purposes only and in response to your complaint.
Enclosed are account related documents.
We request that all future inquiries, requests or servicing concerns be directed to NCEP, LLC at X (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Mechanical Repair Agreement
Temporary Modification Agreement
I BELIEVE THAT SANTANDER USA IS A RIP OFF AND A DISGRACE WITH THE INTEREST RATES. I WAS TOLD TODAY THAT I HAD ONLY PAID $1,003 .00 ON THE PRINCIPAL AND $8,327. 27 ON THE INTEREST ON THE CAR. AND WHEN THEY THINK I GET DONE PAYING THEM IN 2024 I WOULD HAVE PAID $23.000 ON THE CAR. BEING NAIVE ABOUT HOW CARS BEING FINANCED HAS TAUGHT ME A LESSON. THAT SO MANY PEOPLE ARE BEING RIPPED OFF THEY MAY MAKE MONEY OFF OF PEOPLE WHO REALLY DON'T UNDERSTAND THE RIP OFF SYSTEM. BUT WHEN GOD GETS DONE THEY WILL WISH THEY HADN'T BEEN SO GREEDY. THEY LIE AND ACT LIKE THEY HAVE YOUR BEST INTEREST AT HEART ONLY TO RIP YOU OF
! LOOK AT HOW SO MANY BUSINESSES HAVE BEEN SHUT DOWN BECAUSE OF THE WRATH OF GOD!!! WHAT A SAD DAY FOR EVERY SINGLE BUSINESS THAT HAVE TAKEN ADVANTAGE OF THE PEOPLE TRYING TO MAKE IN THIS LIFE!!!! GOD DOES NOT LIE!!!! MY OPINION AND MY VIEW REGARDING THE TREATMENT I HAVE RECEIVED FROM SANTANDER USA A COLD HEARTED RIP OFF. MY INTEREST RATE 23% AND $8,000 GIVING TO SOME GREEDY INVESTORS
An order of discharge for a Chapter 13 bankruptcy was granted to me on 10/24/2017. Releasing me of all liability in regards to my vehicle loan with Santander Consumer USA. All payments from the plan were paid on time and agreed on with no objections with the meeting of creditors. It is currently March 4, 2020 and Santander Consumer USA has not provided me the title to the vehicle. The DMV states my car is steal under Santander Consumer USA. I am requesting my title is released to me, in my name immediately.
Delivery I am requesting my title in addition to a sum of $2500.00 for having to wait 3 years for my title and for Santander Consumer USA disregarding the orders of the court.
March 17, 2020
***
P.O. Box ***
Helendale, CA XXXXX
Re: Revdex.com Complaint 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.
Our records indicate that on September 30, 2015, the account sold to a third party, NCEP, LLC; therefore, we are unable to take any action concerning the servicing of the account.
Our records indicate that on December 1, 2009, you entered into a California Retail Installment Contract (Contract) with CarMax Auto Superstores (Dealership) in connection with the purchase of a 2008 Suzuki XL-7 (Vehicle). The amount financed was $20,769.51 at an annual percentage rate of 17.49%. The payment schedule called for 72 monthly payments of $471.15 each, with the first payment due on January 15, 2010. Santander was assignee of the Contract.
Regarding concerns that payments were made according to the contractual terms, over the life of the account with Santander, you requested and were granted 6 monthly extensions and 1 due date change. Our records further indicate that 28 payments were received more than 10 days late, causing late fees to be assessed. Additionally, in some months no payment was received.
On June 6, 2012, in an effort to assist you, upon your request, you were granted a Temporary Modification Agreement (Modification) to the account. The Modification lowered your payments from $471.15 to $342.47, for a term of 6 months, beginning July 13, 2012 and expiring on December 13, 2012.
Please be advised your account servicing would no longer be active with Santander after the date of the account sale. Therefore, we kindly refer you to NCEP, LLC regarding your title concerns. We apologize for any inconvenience this matter may have cause.
We respectfully decline your request to provide $2,500.00 in compensation.
Please be advised this letter is not an attempt to collect a debt and is being provided for informational purposes only and in response to your complaint.
Enclosed are account related documents.
We request that all future inquiries, requests or servicing concerns be directed to NCEP, LLC at X (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Mechanical Repair Agreement
Temporary Modification Agreement
I BELIEVE THAT SANTANDER USA IS A RIP OFF AND A DISGRACE WITH THE INTEREST RATES. I WAS TOLD TODAY THAT I HAD ONLY PAID $1,003 .00 ON THE PRINCIPAL AND $8,327. 27 ON THE INTEREST ON THE CAR. AND WHEN THEY THINK I GET DONE PAYING THEM IN 2024 I WOULD HAVE PAID $23.000 ON THE CAR. BEING NAIVE ABOUT HOW CARS BEING FINANCED HAS TAUGHT ME A LESSON. THAT SO MANY PEOPLE ARE BEING RIPPED OFF THEY MAY MAKE MONEY OFF OF PEOPLE WHO REALLY DON'T UNDERSTAND THE RIP OFF SYSTEM. BUT WHEN GOD GETS DONE THEY WILL WISH THEY HADN'T BEEN SO GREEDY. THEY LIE AND ACT LIKE THEY HAVE YOUR BEST INTEREST AT HEART ONLY TO RIP YOU OF
! LOOK AT HOW SO MANY BUSINESSES HAVE BEEN SHUT DOWN BECAUSE OF THE WRATH OF GOD!!! WHAT A SAD DAY FOR EVERY SINGLE BUSINESS THAT HAVE TAKEN ADVANTAGE OF THE PEOPLE TRYING TO MAKE IN THIS LIFE!!!! GOD DOES NOT LIE!!!! MY OPINION AND MY VIEW REGARDING THE TREATMENT I HAVE RECEIVED FROM SANTANDER USA A COLD HEARTED RIP OFF. MY INTEREST RATE 23% AND $8,000 GIVING TO SOME GREEDY INVESTORS
Calls 4-5 times a day we less tha. A month past due on the loan
Right now owe 300 for a 700 loan for February and due date it the 16th
As said above the call 4-5 times a day but when I pick up the hang up I'm only 300 behind on a 700 car payment for the month of February and am getting this kinda harrassment
Call only one time a day
March 13, 2019
***
*** 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.
Our records indicate your monthly payment is $692.82 with a monthly due date on the 21st of each month. At this time, we show your account is past due for February 21, 2020 in the amount of $300.00.
Although we do show that you have received a total of 5 phone calls in a day, please be advised that our system is set to state guidelines to ensure the correct amount of phone calls are made. Your account shows phone number 660.537.5668 is a home phone number and 660.888.6604 is a cell phone number. If these numbers are not correct, please contact our Customer Service department at the number below so that we may update our file. Furthermore, anytime an account is past due, phone calls may be made to our customers' to assist them in keeping their account current.
Please note, we are unable to set our automated telephone machine to make only one call per day. If you would like, you may contact our Customer Service department at the number below and request your account be place in a Cease and Desist to stop the phone calls but you still would receive mail only.
Thank you for again for allowing us the opportunity to address your concerns. If further assistance is needed, you may contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Contract
Payment History
Calls 4-5 times a day we less tha. A month past due on the loan
Right now owe 300 for a 700 loan for February and due date it the 16th
As said above the call 4-5 times a day but when I pick up the hang up I'm only 300 behind on a 700 car payment for the month of February and am getting this kinda harrassment
Call only one time a day
March 13, 2019
***
*** 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.
Our records indicate your monthly payment is $692.82 with a monthly due date on the 21st of each month. At this time, we show your account is past due for February 21, 2020 in the amount of $300.00.
Although we do show that you have received a total of 5 phone calls in a day, please be advised that our system is set to state guidelines to ensure the correct amount of phone calls are made. Your account shows phone number 660.537.5668 is a home phone number and 660.888.6604 is a cell phone number. If these numbers are not correct, please contact our Customer Service department at the number below so that we may update our file. Furthermore, anytime an account is past due, phone calls may be made to our customers' to assist them in keeping their account current.
Please note, we are unable to set our automated telephone machine to make only one call per day. If you would like, you may contact our Customer Service department at the number below and request your account be place in a Cease and Desist to stop the phone calls but you still would receive mail only.
Thank you for again for allowing us the opportunity to address your concerns. If further assistance is needed, you may contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Contract
Payment History
Usaa insurance, gap insurance and warranty paid this loan I should not owe this money had to pay could not buy a new car
On 8/31/2019 my 2018 Hyundai Elantra was in an accident. My insurance company USAA determined the vehicle was a total loss. USAA, Gap insurance, and an additional warranty on the Elantra sent payments to Santander. On 2/17/2020 I wanted to purchase a vehicle but learned that Santander had a bill showing on my credit report for approximately $650.00. I called Santander on 2/17/2020 to get information regarding what was showing on my credit report. I was told the amount due is from finance charges and late fees on the account. I asked what principle was on the account to accrue finance and late charges. I was told the principal was the balance due from the original vehicle loan. I called again on 2/18/2020. The agent from Santander said the balance due as a result of late payments from the insurance companies. My understanding is/was Gap insurance took care of the amount due on vehicle loans that my auto insurance company did not pay. I had no control of when insurance companies and warranty companies made payments on my behalf. I truly believe that I should not be responsible for the balance due on the loan. Please help me with resolving this problem. My account number with Santander is XXXXXXXX. The current balance as of today is $609.13 and the payoff amount is $884.00.
Paid on 2/27/2020 $884.95 in order to buy new car. Santander keeps changing amount due. I was y a balance was owed I received computer screen prints of all payments made and still representatives tried to get me to pay more than what was shown on the documents I received from them on 2/26/2020. The payoff amount showas quote good until 3/2/2020 online quote is different. Santander should not ask me for this money. I paid for gap insurance
Refund of payment made 884.95
March 10, 2020
***
XXXX Xth ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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.
Our records show that the vehicle associated with the account was deemed a total loss on or about August 31, 2019. On that date, the principal balance on the account was $19,592.44. The enclosed payment history reflects that on September 25, 2019 a total loss check, in the amount of $16,480.43, was received from USAA Insurance and posted to your account, with an effective date of August 31, 2019. The application of the total loss insurance payment brought the account current and a principal balance in the amount of $3,476.56 remained on the account.
In an effort to assist you with the remaining balance on the account, Santander sent you a Re-amortization letter dated September 30, 2019, which notified you that the insurance payment did not pay the account in full. The letter also notified you that the account had been re-amortized at the contract interest rate over the remaining term of the account to arrive at a new monthly payment of $103.15, beginning November 6, 2019.
Our records further show that you purchased Guaranteed Asset Protection (GAP) insurance for the vehicle through the dealership. GAP funds were received in the amount of $1,593.23, and posted to the account on October 24, 2019. After the application of the GAP payment, the principal balance in the amount of $1,883.33 remained on the account, excluding interest and fees.
In addition, a warranty refund in the amount of $1,274.20 posted to your account on January 16, 2020. After the application of the warranty refund, $609.13 remained on the account, excluding interest and fees.
The total loss payment, along with the GAP refund and warranty refund did not pay off the account. Please be advised, that the customer is still responsible for making payments on their account until all insurance, GAP or warranty proceeds have been received and the account is paid in full or for any remaining balance. Santander does not determine the amount that an insurance company or GAP administrator will pay on the claim. Further questions regarding the proceeds paid on the account should be addressed directly with them.
In reference to the balance on the account, over the life of the account you requested and were granted a total of one due date change. In addition, payments were submitted late to the account, of which 5 payments were paid more than 15 days late, which caused late fees to be assessed to the account. The first and second payments we received were returned by your financial institution due to a "closed account"
Due to the payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the contracted payment schedule, the principal balance would have been less.
Our records indicate that your account was paid in full on February 27, 2020 with a payment of $884.95. Your account now reflects a -0- balance.
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 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 January 31, 2020, we advised the agencies that the account was '60-89' days past due with a balance of $871.00. Please note that end of February 2020 reporting has not been completed.
Although we empathize with your situation, we respectfully decline your request to refund your payoff payment, as the remaining balance due on your account was valid.
Enclosed is a copy of the Contract, Re-amortization letter and Payment History.
Thank you again for bringing this matter to our attention. If further assistance is needed, please contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
There are no files to attach . Why wood the Gap payment not satisfied the balance on the loan.Reference 4.H.,on vehicle invoice. My understanding was gap insurance was made available two customers to satisfy any differences between the loan balance and the amount the insurance company made. Why didn't the loan company accept the amount paid buy Gap as payment in full? Very misleading why Gap insurance is called just just that Gap? There are no files to attach.
March 27, 2020
***
XXXX Xth ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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 for allowing us the opportunity to address your additional concerns.
As stated in our previous response, we show that you purchased Guaranteed Asset Protection (GAP) insurance for the vehicle through the dealership. GAP funds were received in the amount of $1,593.23, and posted to the account on October 24, 2019. After the application of the GAP payment, the principal balance in the amount of $1,883.33 remained on the account, excluding interest and fees.
The total loss payment, along with the GAP refund and warranty refund did not pay off the account. Please be advised, that the customer is still responsible for making payments on their account until all insurance, GAP or warranty proceeds have been received and the account is paid in full or for any remaining balance. Santander does not determine the amount that an insurance company or GAP administrator will pay on the claim. Further questions regarding the proceeds paid on the account should be addressed directly with the GAP administrator.
Please note that GAP does not cover payment assistance granted on the account or late fees. GAP covers only if you make your payments per the contract with no assistance and no late payments. Over the life of the account you requested and were granted a total of one due date change. In addition, payments were submitted late to the account, of which 5 payments were paid more than 15 days late, which caused late fees to be assessed to the account. The first and second payments we received were returned by your financial institution due to a "closed account"
Due to the payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the contracted payment schedule, the principal balance would have been less.
Our records indicate that your account was paid in full on February 27, 2020 with a payment of $884.95. Your account now reflects a -0- balance.
Although we empathize with your situation, we respectfully decline your request to refund your payoff payment, as the remaining balance due on your account was valid.
Thank you again for bringing this matter to our attention. If further assistance is needed, please contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
Gap insurance made payment on my account. Why did Santander not accept the gap insurance payment as payment in full? Why did Santander make me liable for paying the remaining balance? Isn't gap insurance the consumers protection from being liable for loan balances? I have never had a loan for a vehicle where the loan company had left me responsible for paying a balance after gap insurance made their payment.
Usaa insurance, gap insurance and warranty paid this loan I should not owe this money had to pay could not buy a new car
On 8/31/2019 my 2018 Hyundai Elantra was in an accident. My insurance company USAA determined the vehicle was a total loss. USAA, Gap insurance, and an additional warranty on the Elantra sent payments to Santander. On 2/17/2020 I wanted to purchase a vehicle but learned that Santander had a bill showing on my credit report for approximately $650.00. I called Santander on 2/17/2020 to get information regarding what was showing on my credit report. I was told the amount due is from finance charges and late fees on the account. I asked what principle was on the account to accrue finance and late charges. I was told the principal was the balance due from the original vehicle loan. I called again on 2/18/2020. The agent from Santander said the balance due as a result of late payments from the insurance companies. My understanding is/was Gap insurance took care of the amount due on vehicle loans that my auto insurance company did not pay. I had no control of when insurance companies and warranty companies made payments on my behalf. I truly believe that I should not be responsible for the balance due on the loan. Please help me with resolving this problem. My account number with Santander is XXXXXXXX. The current balance as of today is $609.13 and the payoff amount is $884.00.
Paid on 2/27/2020 $884.95 in order to buy new car. Santander keeps changing amount due. I was y a balance was owed I received computer screen prints of all payments made and still representatives tried to get me to pay more than what was shown on the documents I received from them on 2/26/2020. The payoff amount showas quote good until 3/2/2020 online quote is different. Santander should not ask me for this money. I paid for gap insurance
Refund of payment made 884.95
March 10, 2020
***
XXXX Xth ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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.
Our records show that the vehicle associated with the account was deemed a total loss on or about August 31, 2019. On that date, the principal balance on the account was $19,592.44. The enclosed payment history reflects that on September 25, 2019 a total loss check, in the amount of $16,480.43, was received from USAA Insurance and posted to your account, with an effective date of August 31, 2019. The application of the total loss insurance payment brought the account current and a principal balance in the amount of $3,476.56 remained on the account.
In an effort to assist you with the remaining balance on the account, Santander sent you a Re-amortization letter dated September 30, 2019, which notified you that the insurance payment did not pay the account in full. The letter also notified you that the account had been re-amortized at the contract interest rate over the remaining term of the account to arrive at a new monthly payment of $103.15, beginning November 6, 2019.
Our records further show that you purchased Guaranteed Asset Protection (GAP) insurance for the vehicle through the dealership. GAP funds were received in the amount of $1,593.23, and posted to the account on October 24, 2019. After the application of the GAP payment, the principal balance in the amount of $1,883.33 remained on the account, excluding interest and fees.
In addition, a warranty refund in the amount of $1,274.20 posted to your account on January 16, 2020. After the application of the warranty refund, $609.13 remained on the account, excluding interest and fees.
The total loss payment, along with the GAP refund and warranty refund did not pay off the account. Please be advised, that the customer is still responsible for making payments on their account until all insurance, GAP or warranty proceeds have been received and the account is paid in full or for any remaining balance. Santander does not determine the amount that an insurance company or GAP administrator will pay on the claim. Further questions regarding the proceeds paid on the account should be addressed directly with them.
In reference to the balance on the account, over the life of the account you requested and were granted a total of one due date change. In addition, payments were submitted late to the account, of which 5 payments were paid more than 15 days late, which caused late fees to be assessed to the account. The first and second payments we received were returned by your financial institution due to a "closed account"
Due to the payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the contracted payment schedule, the principal balance would have been less.
Our records indicate that your account was paid in full on February 27, 2020 with a payment of $884.95. Your account now reflects a -0- balance.
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 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 January 31, 2020, we advised the agencies that the account was '60-89' days past due with a balance of $871.00. Please note that end of February 2020 reporting has not been completed.
Although we empathize with your situation, we respectfully decline your request to refund your payoff payment, as the remaining balance due on your account was valid.
Enclosed is a copy of the Contract, Re-amortization letter and Payment History.
Thank you again for bringing this matter to our attention. If further assistance is needed, please contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
There are no files to attach . Why wood the Gap payment not satisfied the balance on the loan.Reference 4.H.,on vehicle invoice. My understanding was gap insurance was made available two customers to satisfy any differences between the loan balance and the amount the insurance company made. Why didn't the loan company accept the amount paid buy Gap as payment in full? Very misleading why Gap insurance is called just just that Gap? There are no files to attach.
March 27, 2020
***
XXXX Xth ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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 for allowing us the opportunity to address your additional concerns.
As stated in our previous response, we show that you purchased Guaranteed Asset Protection (GAP) insurance for the vehicle through the dealership. GAP funds were received in the amount of $1,593.23, and posted to the account on October 24, 2019. After the application of the GAP payment, the principal balance in the amount of $1,883.33 remained on the account, excluding interest and fees.
The total loss payment, along with the GAP refund and warranty refund did not pay off the account. Please be advised, that the customer is still responsible for making payments on their account until all insurance, GAP or warranty proceeds have been received and the account is paid in full or for any remaining balance. Santander does not determine the amount that an insurance company or GAP administrator will pay on the claim. Further questions regarding the proceeds paid on the account should be addressed directly with the GAP administrator.
Please note that GAP does not cover payment assistance granted on the account or late fees. GAP covers only if you make your payments per the contract with no assistance and no late payments. Over the life of the account you requested and were granted a total of one due date change. In addition, payments were submitted late to the account, of which 5 payments were paid more than 15 days late, which caused late fees to be assessed to the account. The first and second payments we received were returned by your financial institution due to a "closed account"
Due to the payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the contracted payment schedule, the principal balance would have been less.
Our records indicate that your account was paid in full on February 27, 2020 with a payment of $884.95. Your account now reflects a -0- balance.
Although we empathize with your situation, we respectfully decline your request to refund your payoff payment, as the remaining balance due on your account was valid.
Thank you again for bringing this matter to our attention. If further assistance is needed, please contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
Gap insurance made payment on my account. Why did Santander not accept the gap insurance payment as payment in full? Why did Santander make me liable for paying the remaining balance? Isn't gap insurance the consumers protection from being liable for loan balances? I have never had a loan for a vehicle where the loan company had left me responsible for paying a balance after gap insurance made their payment.
Account was listed wrongfully as a charge off in September of 2017 then the loan was reopened however is not being reported as such on credit report
the loan was listed as a charge off on September of 2017 HOWEVER all payments were being made and the loan was reopened the same day and is being reported as a charge off and that the vehicle was repossessed (it is in my possession as the loan was reopened). Santander refuses to list the loan as open which has been damaging my credit for the last 3 years and prevents me from taking out the remaining loan as they are reporting they should have the vehicle in their possession which is incorrect. After many attempts to have this corrected I have resorted to reporting to the Revdex.com
I would like the reporting to the credit bureau be deleted fully
March 10, 2020
***
*** E. *** Unit ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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.
Our records indicate the Vehicle associated with the account above was repossessed on October 11, 2017, when the account was 142 days past due, and was redeemed on October 13, 2017.
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.
A review of the information provided to the credit reporting agencies shows on January 31, 2020, we advised the credit reporting agencies that the account is charged off with a balance of $6,841.00. Please note that once an account charges off, it will continue to report to the credit reporting agencies as a charge off, even though payments have been continued on the account.
Please note that the account is not "Closed". The account will remain open until the balance is paid in full. After a review of the account and payment history we determined the account began reporting as charged off on September 30, 2017 after it became over 120 days past due.
We respectfully decline your request to make any adjustments to the reporting of the account as the information reported matches our records.
Enclosed is a copy of the Payment History.
Thank you again for the opportunity to address your concerns. If further assistance is needed with reinstating the account, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response as there was never 120 days without payment and also stating that the account is not being listed as "closed" which is a false statement. Due to the inaccuracy of this reporting, I'm stuck in a high interest loan and any lender I contact is stating that Santander's reporting reflects that the vehicle should not be in my possession, even though the prior statement by Santander states the loan is open and the vehicle was redeemed. The company has told me numerous times they cannot report the loan as being open, although this statement is stating the loan is open.
March 24, 2020
***
*** Unit ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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 for allowing us the opportunity to address your additional concerns.
As stated in our previous response, our records indicate the Vehicle associated with the account above was repossessed on October 11, 2017, when the account was 142 days past due, and was redeemed on October 13, 2017. Those dates are reflected on the payment history we previously provided and we have enclosed again. Please review the payment history which lists the irregular payments we received in 2017 prior to the repossession date.
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 on January 31, 2020, we advised the credit reporting agencies that the account is charged off with a balance of $6,841.00. Please note that once an account charges off, it will continue to report to the credit reporting agencies as a charge off, even though payments have been continued on the account.
Please note that the account is not "Closed". The account will remain open until the balance is paid in full. After a review of the account and payment history we determined the account began reporting as charged off on September 30, 2017 after it became over 120 days past due.
Please also note that the last payment we received on your account was on November 24, 2019. The account is 62 days past due as of the date of this response.
We respectfully decline your request to make any adjustments to the reporting of the account as the information reported matches our records.
We are unable to corroborate your statement that you were advised that the account cannot be reported as being open, as your account is currently open and active.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Account was listed wrongfully as a charge off in September of 2017 then the loan was reopened however is not being reported as such on credit report
the loan was listed as a charge off on September of 2017 HOWEVER all payments were being made and the loan was reopened the same day and is being reported as a charge off and that the vehicle was repossessed (it is in my possession as the loan was reopened). Santander refuses to list the loan as open which has been damaging my credit for the last 3 years and prevents me from taking out the remaining loan as they are reporting they should have the vehicle in their possession which is incorrect. After many attempts to have this corrected I have resorted to reporting to the Revdex.com
I would like the reporting to the credit bureau be deleted fully
March 10, 2020
***
*** E. *** Unit ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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.
Our records indicate the Vehicle associated with the account above was repossessed on October 11, 2017, when the account was 142 days past due, and was redeemed on October 13, 2017.
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.
A review of the information provided to the credit reporting agencies shows on January 31, 2020, we advised the credit reporting agencies that the account is charged off with a balance of $6,841.00. Please note that once an account charges off, it will continue to report to the credit reporting agencies as a charge off, even though payments have been continued on the account.
Please note that the account is not "Closed". The account will remain open until the balance is paid in full. After a review of the account and payment history we determined the account began reporting as charged off on September 30, 2017 after it became over 120 days past due.
We respectfully decline your request to make any adjustments to the reporting of the account as the information reported matches our records.
Enclosed is a copy of the Payment History.
Thank you again for the opportunity to address your concerns. If further assistance is needed with reinstating the account, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response as there was never 120 days without payment and also stating that the account is not being listed as "closed" which is a false statement. Due to the inaccuracy of this reporting, I'm stuck in a high interest loan and any lender I contact is stating that Santander's reporting reflects that the vehicle should not be in my possession, even though the prior statement by Santander states the loan is open and the vehicle was redeemed. The company has told me numerous times they cannot report the loan as being open, although this statement is stating the loan is open.
March 24, 2020
***
*** Unit ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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 for allowing us the opportunity to address your additional concerns.
As stated in our previous response, our records indicate the Vehicle associated with the account above was repossessed on October 11, 2017, when the account was 142 days past due, and was redeemed on October 13, 2017. Those dates are reflected on the payment history we previously provided and we have enclosed again. Please review the payment history which lists the irregular payments we received in 2017 prior to the repossession date.
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 on January 31, 2020, we advised the credit reporting agencies that the account is charged off with a balance of $6,841.00. Please note that once an account charges off, it will continue to report to the credit reporting agencies as a charge off, even though payments have been continued on the account.
Please note that the account is not "Closed". The account will remain open until the balance is paid in full. After a review of the account and payment history we determined the account began reporting as charged off on September 30, 2017 after it became over 120 days past due.
Please also note that the last payment we received on your account was on November 24, 2019. The account is 62 days past due as of the date of this response.
We respectfully decline your request to make any adjustments to the reporting of the account as the information reported matches our records.
We are unable to corroborate your statement that you were advised that the account cannot be reported as being open, as your account is currently open and active.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
My husband passed away and I was attempting to pay off his debt. Spoke with Antoinette and she was horrid to me!!!! Said I could pay it off but would not get a release of debt/title because my husband was DEAD and I needed to contact the DMV to make sure the title could be transferred into my name! I asked for her supervisor and was told they won't talk to me! Antionette was SO nasty that I was in tears when I got off the phone. Not bad enough that I was dealing with my husbands death but to be treated the way Antionette treated me was totally inconsiderate and nasty. Believe my I will NEVER have another loan through this place nor will I recommend them!!
I have tried to find the phone number for the corporate offices to complain but all the numbers I find connect to the same place and they will not put you through to anyone.
My husband passed away and I was attempting to pay off his debt. Spoke with Antoinette and she was horrid to me!!!! Said I could pay it off but would not get a release of debt/title because my husband was DEAD and I needed to contact the DMV to make sure the title could be transferred into my name! I asked for her supervisor and was told they won't talk to me! Antionette was SO nasty that I was in tears when I got off the phone. Not bad enough that I was dealing with my husbands death but to be treated the way Antionette treated me was totally inconsiderate and nasty. Believe my I will NEVER have another loan through this place nor will I recommend them!!
I have tried to find the phone number for the corporate offices to complain but all the numbers I find connect to the same place and they will not put you through to anyone.
WORST BANK EVER they do business initially as Chrysler Capital. Calling customer service is a big joke as no one there can make any decisions at all. The so called supervisors have no power to assist with anything! Do NOT do business with this bank Please AVOID at all cost no stars deserved
I made 2 payments to my loan on the same month 01/10/2020 because their system was not working good! Now they're charging me late fee"Bad cust service
On 01/10/2020 I was trying to gave my monthly loan payment of $900.00 of my 2016 Dodge Durango to Chrysler Capital their system was not working properly, that's why I decided to send them via USPS a check #419 with the same amount $900.00 because I never was late with any of my loans! They received that check and updated on my account on the 13th of the same month, but when I checked my bank account they also take me $900.00 extra for the payment that I never received a confirmation on their internet page instead that page closes out with not confirmation, when I call them to explain the situation the lady from customer service told me they will be fixing that problem because the payment was paid twice the same month "January 2020" several days later I received back the $900.00 that They take me extra from my account! But now They're charging me late fees and supposedly I have 1 payment overdue for " the JANUARY 2020 month that supposedly I don't gave the payment Of my loan" the problem is CHRYSLER CAPITAL doesn't have good customer service "they have ignorant persons" that's why they're treating me like a dummy and I am not!! because is not my fault that they're not doing good job checking their system to see I NEVER WAS LATE and I NEVER gave my payments late and they returned me on January 16th 2020 the amount of $900.00 back on my bank "because their system was Not working properly" and was their problem not mine! They need to verify my account since I start with them and they need to know who is the dummy person? Because I never was late and never paid any late fees on all these almost 4 years with them!! Mr Cordero from Customer Service (he was supposedly one of the manager on customer support) treated me super bad was super rude with me he treated me like a dumb person I want an apology from him too!
I want they updated their system with the correct information On my account and I need they check all my account since day one until today and check all the calls that I made since I started with this problem Because one day a person told me one thing and the other day they change the history! The only true is They CHRYSLER CAPITAL take me 2 payments on the same JANUARY 2020 monthly payment They returned me back to my bank on JANUARY 16th 2020 and now they have in their system that Iam 1 month payment late and they're charged me late fees $44.92 on January 31st 2020 for the January monthly payment that I paid twice """ I demand them to verify everything carefully on my account and please don't put any ignorant people to do that please!! And I need an apology from that gentleman that " supposedly is a manager from the customer support"
March 5, 2020
***
XXXXX *** Dr.
*** XXXXX
Re: Revdex.com Case number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Ms.:
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 apologize if you feel that you have been treated in an unprofessional manner. Our customers' concerns and experiences are of the utmost importance to us.
Our records show that two (2) payments in the amount of $900.00 each were posted to your account for your January 2020 payment. Both payments posted to your account on January 10, 2020. Please note that the first payment was made by your via Webpay and the second payment was mailed in via check. The first payment of $900.00 was allocated as $756.74 to principal and $143.26 to interest, which advanced your account to the next month due of February 15, 2020. The second of $900.00 was allocated to principal, which did not advance your account.
Our records further show that you contacted our office on January 13, 2020 stating you accidentally made 2 payments on your account a requested a refund of one of the payments. On January 14, 2020 a request was entered to refund the first payment of $900.00, made via Webpay, to your account with your bank. When the payment was reversed on January 14, 2020, it also reversed your due date back to January 15, 2020.
Please note the wrong payment was reversed on your account in error, as the 2nd payment posted to your account for $900.00 should have been reversed. Due to the error, your account was showing as past due, when it was not, so an incorrect late fee in the amount of $44.92 was assessed to your account on January 31, 2020. We apologize for any inconvenience this may have caused.
Please note the late fee of $44.92 was waived on February 24, 2020, and your account was corrected to show the next due date of March 15, 2020.
Enclosed is a copy of the updated Payment History for your records.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1 (855) 563.5635.
Sincerely,
CHRYSLER CAPITAL
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
A lady called me, to tell me that she had already updated my account and to apologize for the bad service I received from a person in that company Chrysler Capital" that man did not apologize for his bad treatment of me but the lady who spoke to me was very kind and she explain me everything about my account! Thanks Revdex.com, God bless you guys always!
WORST BANK EVER they do business initially as Chrysler Capital. Calling customer service is a big joke as no one there can make any decisions at all. The so called supervisors have no power to assist with anything! Do NOT do business with this bank Please AVOID at all cost no stars deserved
I made 2 payments to my loan on the same month 01/10/2020 because their system was not working good! Now they're charging me late fee"Bad cust service
On 01/10/2020 I was trying to gave my monthly loan payment of $900.00 of my 2016 Dodge Durango to Chrysler Capital their system was not working properly, that's why I decided to send them via USPS a check #419 with the same amount $900.00 because I never was late with any of my loans! They received that check and updated on my account on the 13th of the same month, but when I checked my bank account they also take me $900.00 extra for the payment that I never received a confirmation on their internet page instead that page closes out with not confirmation, when I call them to explain the situation the lady from customer service told me they will be fixing that problem because the payment was paid twice the same month "January 2020" several days later I received back the $900.00 that They take me extra from my account! But now They're charging me late fees and supposedly I have 1 payment overdue for " the JANUARY 2020 month that supposedly I don't gave the payment Of my loan" the problem is CHRYSLER CAPITAL doesn't have good customer service "they have ignorant persons" that's why they're treating me like a dummy and I am not!! because is not my fault that they're not doing good job checking their system to see I NEVER WAS LATE and I NEVER gave my payments late and they returned me on January 16th 2020 the amount of $900.00 back on my bank "because their system was Not working properly" and was their problem not mine! They need to verify my account since I start with them and they need to know who is the dummy person? Because I never was late and never paid any late fees on all these almost 4 years with them!! Mr Cordero from Customer Service (he was supposedly one of the manager on customer support) treated me super bad was super rude with me he treated me like a dumb person I want an apology from him too!
I want they updated their system with the correct information On my account and I need they check all my account since day one until today and check all the calls that I made since I started with this problem Because one day a person told me one thing and the other day they change the history! The only true is They CHRYSLER CAPITAL take me 2 payments on the same JANUARY 2020 monthly payment They returned me back to my bank on JANUARY 16th 2020 and now they have in their system that Iam 1 month payment late and they're charged me late fees $44.92 on January 31st 2020 for the January monthly payment that I paid twice """ I demand them to verify everything carefully on my account and please don't put any ignorant people to do that please!! And I need an apology from that gentleman that " supposedly is a manager from the customer support"
March 5, 2020
***
XXXXX *** Dr.
*** XXXXX
Re: Revdex.com Case number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Ms.:
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 apologize if you feel that you have been treated in an unprofessional manner. Our customers' concerns and experiences are of the utmost importance to us.
Our records show that two (2) payments in the amount of $900.00 each were posted to your account for your January 2020 payment. Both payments posted to your account on January 10, 2020. Please note that the first payment was made by your via Webpay and the second payment was mailed in via check. The first payment of $900.00 was allocated as $756.74 to principal and $143.26 to interest, which advanced your account to the next month due of February 15, 2020. The second of $900.00 was allocated to principal, which did not advance your account.
Our records further show that you contacted our office on January 13, 2020 stating you accidentally made 2 payments on your account a requested a refund of one of the payments. On January 14, 2020 a request was entered to refund the first payment of $900.00, made via Webpay, to your account with your bank. When the payment was reversed on January 14, 2020, it also reversed your due date back to January 15, 2020.
Please note the wrong payment was reversed on your account in error, as the 2nd payment posted to your account for $900.00 should have been reversed. Due to the error, your account was showing as past due, when it was not, so an incorrect late fee in the amount of $44.92 was assessed to your account on January 31, 2020. We apologize for any inconvenience this may have caused.
Please note the late fee of $44.92 was waived on February 24, 2020, and your account was corrected to show the next due date of March 15, 2020.
Enclosed is a copy of the updated Payment History for your records.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1 (855) 563.5635.
Sincerely,
CHRYSLER CAPITAL
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
A lady called me, to tell me that she had already updated my account and to apologize for the bad service I received from a person in that company Chrysler Capital" that man did not apologize for his bad treatment of me but the lady who spoke to me was very kind and she explain me everything about my account! Thanks Revdex.com, God bless you guys always!
Santander was giving high interest loans to buyers that they knew couldn't repay the loan. Santander also breached its own contacts.
I bought a 2015 Kia Forte LX from Kia Cerritos on 7/7/2015. My Sales rep was Robert *** Vin# KNAFK4A65FXXXXXXX stock # XXXXX I was given a high interest rate & mislead so much about my contract. Santander knew which dealers had high rates of borrower defaults. Santander breached its own contracts by charging improper fees. Santander Consumer USA, heavy-handed tactics"to get consumers to pay their loans, tactics which violated the TCPA. These tactics include making repeated and harassing calls to consumers phones including me. The bank also failed to explain to me, that an insurance policy known as "guaranteed auto protection" (GAP) would not always cover the costs of replacing a car that was destroyed in an accident. Santander Consumer USA, Inc. collected from me a. California consumer unauthorized payment processing fees in partnership with Western Union. violations of California's Rosenthal Fair Debt Collection Practices Act (RFDCPA), Santander, with Western Union's help, made more profit by charging the customer for paying online or over the phone and retaining or receiving a portion of that fee.The fee charged by Western Union that's ultimately remitted to Santander for use of Speedpay is unauthorized under the RFDCPA in that the collection of any amount "not expressly authorized by the agreement creating the debt" is prohibited. Santanders actions were unlawful.
I am asking for Santander to remove this debt from My credit reports. It has been a hardship on me since the day that I purchased the vehicle. I was u aware that I was being mislead and because contracts have been breached and my rights have been violated I'm asking for this debt to be removed.
March 6, 2020
***
*** Ave Apt ***
Long Beach, CA XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Santander Account Number: ***
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 apologize for any inconvenience that you have experienced in attempting to resolve this issue. Our customers' concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
We have reviewed your complaint and account, and in an effort to assist you and resolve this matter, Santander has elected to waive the account balance of $10,425.70 and remove the trade line from the credit reporting.
We have initiated the process to waive the balance and update credit reporting; however, please note that it may take up to 14 business days for the account to show closed and approximately 30 days for the credit reporting agencies to update their records. Please note that Santander is merely a furnisher of credit information, and not a credit reporting agency, and has no control of the contents of credit histories maintained by any credit reporting agency. Santander can only make requests that changes be made to the credit history and cannot guarantee such requests will be honored.
Thank you again for allowing us the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the response from Santander. I am extremely happy with the outcome! I feel that a huge weight has been lifted off of me and now I can move forward.
Santander was giving high interest loans to buyers that they knew couldn't repay the loan. Santander also breached its own contacts.
I bought a 2015 Kia Forte LX from Kia Cerritos on 7/7/2015. My Sales rep was Robert *** Vin# KNAFK4A65FXXXXXXX stock # XXXXX I was given a high interest rate & mislead so much about my contract. Santander knew which dealers had high rates of borrower defaults. Santander breached its own contracts by charging improper fees. Santander Consumer USA, heavy-handed tactics"to get consumers to pay their loans, tactics which violated the TCPA. These tactics include making repeated and harassing calls to consumers phones including me. The bank also failed to explain to me, that an insurance policy known as "guaranteed auto protection" (GAP) would not always cover the costs of replacing a car that was destroyed in an accident. Santander Consumer USA, Inc. collected from me a. California consumer unauthorized payment processing fees in partnership with Western Union. violations of California's Rosenthal Fair Debt Collection Practices Act (RFDCPA), Santander, with Western Union's help, made more profit by charging the customer for paying online or over the phone and retaining or receiving a portion of that fee.The fee charged by Western Union that's ultimately remitted to Santander for use of Speedpay is unauthorized under the RFDCPA in that the collection of any amount "not expressly authorized by the agreement creating the debt" is prohibited. Santanders actions were unlawful.
I am asking for Santander to remove this debt from My credit reports. It has been a hardship on me since the day that I purchased the vehicle. I was u aware that I was being mislead and because contracts have been breached and my rights have been violated I'm asking for this debt to be removed.
March 6, 2020
***
*** Ave Apt ***
Long Beach, CA XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Santander Account Number: ***
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 apologize for any inconvenience that you have experienced in attempting to resolve this issue. Our customers' concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
We have reviewed your complaint and account, and in an effort to assist you and resolve this matter, Santander has elected to waive the account balance of $10,425.70 and remove the trade line from the credit reporting.
We have initiated the process to waive the balance and update credit reporting; however, please note that it may take up to 14 business days for the account to show closed and approximately 30 days for the credit reporting agencies to update their records. Please note that Santander is merely a furnisher of credit information, and not a credit reporting agency, and has no control of the contents of credit histories maintained by any credit reporting agency. Santander can only make requests that changes be made to the credit history and cannot guarantee such requests will be honored.
Thank you again for allowing us the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the response from Santander. I am extremely happy with the outcome! I feel that a huge weight has been lifted off of me and now I can move forward.