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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Erneous reporting to the Credit Bureau(s), and failure to provide Validation NOT Verification of Account.
This letter is being sent to you in response to notices sent to / from me from the Dept of Santander Consumer USA and more importantly, due to their erroneous reporting to the Credit Bureau(s), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that their claim has been disputed and validation was requested. I have asked the Santander Consumer USA to please provide me with the following:
What the money they say I owe is for
Explain and show me how they calculated what they said I owe
Provide me with copies of any papers including but not limited to
Validation of Purchase that shows I agreed to pay what they say I owe:
Original Note / Signed Contract with my original signature
Notice of Sale / Deficiency Notice Post
Notice of Sale
Provide a verification or copy of any judgment if applicable
Identify the original creditor
Prove the Statute of Limitations has not expired on this account
Show me that you they are licensed to collect in my state
Provide me with their license numbers and Registered Agent or Agent of Service
At this time, I also informed Santander Consumer USA that if their offices have reported invalidated information to any of the 3 major Credit Bureau's (Experian, Equifax or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
Santander Consumer USA has not provided any of the requested information despite me sending 2 (two dispute letters and a request for account validation NOT verification) Since reaching out to Santander Consumer USA, action was taken which has been detrimental to all 3 of my credit reports and (Santander Consumer USA closed the account and reported the file with three (3) charge offs without validating the account), and I am consulting with my legal counsel for suit.
The information provided by Santander Consumer USA includes information that is
inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.
The company Santander Consumer USA has failed to respond to this validation request and the information provided in the Original Note and signed contract must be deleted and completely removed from my credit report and a copy of such deletion (to any/all of the 3 major credit reporting bureaus: Equifax, Experian and TransUnion) should be sent to me immediately.
I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
If the account cannot be VALIDATED and the original NOT be provided with my Signature, the account should be removed entirely with the major bureaus and a letter sent to me immediately
February 17, 2020
***
*** Hollywood Blvd, Apt. ***
Los Angeles, CA XXXXX
Re: Revdex.com Case number: 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.
In reference to your statement that Santander did not respond to your validation request, a review of our record indicates we have not received any direct disputes from you or any requests for debt validation, although we have received six indirect disputes. The indirect disputes are initiated by the credit reporting agencies on your behalf and we then responded to the initiating agency with updated information, if any.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on November 9, 2018 in connection with the purchase of a 2015 Fiat 500 (Vehicle). The amount financed was $20,583.92 at an annual percentage rate (APR) of 14.71%. The payment schedule called for 72 monthly payments of $434.66 each month, with the first payment due on December 24, 2018. The Contract was assigned to Santander.
After a review of the account, we have determined that the reduction of the account 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.
For your account, payments were submitted, of which, 2 were not paid within 10 days of the scheduled due date, which caused late fees to be assessed. Please note a total of 7 payments have been received on the account.
The account balance consists of outstanding principal in the amount of $19,666.61, accrued interest in the amount of $675.48, late fees in the amount $43.46 and other fees in the amount of $2,488.35.
Our records show that the last payment received was on August 16, 2019 which was credited to the payment due on June 24, 2019. The Vehicle was repossessed October 23, 2019 when the account was 91 days past due. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated October 23, 2019, was mailed to you at the address on file, explaining that the Vehicle would be sold sometime after November 16, 2019, but also gave you the opportunity to redeem the Vehicle.
As of the date of this response, the Vehicle has not been redeemed and the sale of the Vehicle is pending at auction.
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.
As a matter of information, Santander has current policies and procedures that meet the Federal and State requirements necessary to be in compliance with certain debt collection practices, as it is Santander's objective to protect its customers from unfair debt collection acts.
After a review of your account, on January 31, 2020 we reported your account as charged off with a balance of $22, 873.00.
Our records indicate your account charged off on November 30, 2019 when the account reached over 120 days past due. Please be advised that once an account has been reported as a charge off it will continue to be reported as a charge off, until the time limit for reporting has been reached.
The date of first delinquency was on July 24, 2019. Your account may be deleted by the credit reporting agencies on or after July 24, 2026, which is 7 years from the above-mentioned date of first delinquency. The date of first delinquency is determined by the charge off date and the last time the account was in a current status before the account charged off. The date of first delinquency is the date a customer first becomes 30 days late, never brings the account current, and then a charge off ensues.
We respectfully decline your request to delete the information being reported to the credit reporting agencies as the information reported matches our records.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX.***.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
NOI
(The consumer indicated he/she DID NOT accept the response from the business.)
As stated before, this was a fraudulent charge. I have sent you a copy of Identity Theft from the FTC. I will attach it again to this complaint along with my police report. Please remove this account from my credit report again, as it does not belong to me. You have not submitted ANY of the requested documentation pertaining to the account being VALIDATED.
February 27, 2020
***
*** Hollywood Blvd, Apt. ***
Los Angeles, CA XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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 concern.
Please note in your previous complaint (Revdex.com Case # XXXXXXXX) the attachments recently provided were not included and we verified the debt as requested to which we responded on February 17, 2020.
After further review, your attached document from the Federal Trade Commission (Identity Theft Report) and Los Angeles Police Report have been forwarded to our Fraud Risk Department for further review. Our Fraud Risk Department will provide a response once their review is complete. Please allow 30 days for their response to be mailed to the address on file.
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.
As stated previously, on January 31, 2020 we reported your account to the credit reporting agencies as Charged Off with a balance of $22,873.00. Our records indicate your account Charged Off on November 30, 2019 when the account reached over 120 days past due.
Please note that we are unable to consider any changes to the credit reporting on the account until a decision has been reached by our Fraud Risk Department.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Fraud Risk Department directly at X (XXX) XXX.***
Sincerely,
SANTANDER CONSUMER USA INC.
Santander is trying to charge me approximately $43,077.69 for a car they financed for only $18,227.40.
In August 2013, Santander financed a new car for me. Santander paid approximately $18,227.40 for the car. As of today, I have given Santander $26,671.78, which is $8,444.38 more than they paid. As of today, Santander says that I still owe them another $16,405.91, which comes to a total of $43,077.69 they are strong arming me for. I receive constant and harassing phone calls threatening to repossess my car. In the past, my vehicle has been repossessed twice. Currently I am having serious financial hardships and feel that I have given Santander more money than I actually owed them. While I understand that there are percentage rates attached to the sale of any vehicle, I do not understand how any company can charge more than double on a loan. My interest rate was 26% I think. 26% on the amount of the car is a little under the extra $8,444.38 that I have given to Santander. I feel that I have completely paid back this loan and more. I don't know what is going on but my money is not going towards the principle. Something underhanded and fishy is going on and I am not the only customer who has complained about this issue. As stated above, I am having serious final issues stemming from medical bills for myself, as well as my son. I have lost everything due to 2 government furloughs and Santander doesn't help matters. They have suspended my use of online pay, which costs me more money to pay over the phone, money I do not have. Santander is just a legalized loan shark preying on people for profit and something needs to be done. I should not have to pay them another 16 grand when I have already given them over 26 grand for a vehicle they paid 18 grands for.
I want that 16 grand forgiven as paid in full and my credit reports updated to reflect a good standing with Santander. As a government employee, the negativity on my credit affects my ability to work, which effects my ability to live and provide a stable home for my children. Santander has bullied me enough. I need something to be done immediately.
February 17, 2020
***
XXXXX *** Lane
*** 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 investigating 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 or that you were treated unfairly 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.
In reference to you receiving harassing phone calls threatening repossession, after a review of the information provided in your complaint we are unable to substantiate your statement. If you can provided further details such as dates these incidents occurred we will review the matter further. You *** provide the requested details through the Revdex.com portal.
Our records indicate that on August 27, 2013 you entered into a Motor Vehicle Retail Sale Installment Sale Contract (Contract) in connection with the purchase of a 2013 Chrysler 200 (Vehicle). The amount financed was $18,227.40 at an annual percentage rate (APR) of 24.00%. The payment schedule called for 72 monthly payments of $484.57 each, with the first payment due on October 11, 2013. The Contract was assigned to Santander.
After a review of the account we have confirmed that the APR of 24.00% on your Contract is within the allowable state limits. Please note that Santander sets the interest rates based on many factors including but not limited to the down payment on the Vehicle, the current value of the Vehicle at the time of the Contract origination and the applicants' credit worthiness and credit rating. Santander proposes funding for the applicants which they can either accept or reject at the time of their application.
The Contract that you signed 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.
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 the regularly scheduled payment due date.
The daily accrued interest is calculated at the contract rate based on the principal balance. The amount of interest accrued can vary, and is based on the amount of the principal balance and the number of days between payments.
In regard to the allocation of payments received on your account, please note that when payments are received they are first applied toward interest and past due payments, then toward next scheduled payment and lastly toward fees, if any.
Over the life of the account you requested and were granted a total of 8 monthly payment extensions and 1 due date change. Additionally, payments were submitted late to the account, of which 27 were paid more than 15 days late, which caused late fees to be assessed to the account.
Our records further indicate that a Modification Agreement (Modification) was granted on January 21, 2019. The Modification lowered the account APR from 24.00% to 6.00% and the monthly payment amount from $484.57 to $469.99. In addition a new maturity date of April 9, 2022 and a next regular payment amount February 9, 2019 were established. We have enclosed a copy of the Modification letter dated January 21, 2019.
Please note that interest does not stop accruing when there has been payment assistance granted on the account or when payments are submitted past the due date, not received or less than the contractual payment amount. There is no grace period for the accrual of interest.
Due to the payment assistance and irregular 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 72 month contracted payment schedule, the principal balance would have been less. Please understand that the scheduled maturity date does not determine the final payment date. The payment pattern determines the final payment date.
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 *** be necessary to contact the agencies directly regarding any disparity between reports.
As a matter of information, Santander has current policies and procedures that meet the Federal and State requirements necessary to be in compliance with certain debt collection practices, as it is Santander's objective to protect its customers from unfair debt collection acts.
After a review of the information provided to the credit reporting agencies, our records show on February 13, 2020 we submitted an update to report the account as 30 days past due with a balance of $15,504.00.
In reference to your MyAccount access, please contact us at the telephone number below if you are unable to access your account online. We have reviewed our records and are unable to substantiate your statement that access has been suspended and show recent access.
While we empathize with your situation, we respectfully decline your request to forgive the account balance as paid in full or make any additional changes to your credit reports at this time, as we have confirmed that the information reported matches our records.
Enclosed are copies of the Contract, Modification and Payment History.
We apologize if you feel that you have been treated unfairly or in an unprofessional manner and hope that the explanation provided has addressed all your concerns. If further assistance is needed, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Erneous reporting to the Credit Bureau(s), and failure to provide Validation NOT Verification of Account.
This letter is being sent to you in response to notices sent to / from me from the Dept of Santander Consumer USA and more importantly, due to their erroneous reporting to the Credit Bureau(s), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that their claim has been disputed and validation was requested. I have asked the Santander Consumer USA to please provide me with the following:
What the money they say I owe is for
Explain and show me how they calculated what they said I owe
Provide me with copies of any papers including but not limited to
Validation of Purchase that shows I agreed to pay what they say I owe:
Original Note / Signed Contract with my original signature
Notice of Sale / Deficiency Notice Post
Notice of Sale
Provide a verification or copy of any judgment if applicable
Identify the original creditor
Prove the Statute of Limitations has not expired on this account
Show me that you they are licensed to collect in my state
Provide me with their license numbers and Registered Agent or Agent of Service
At this time, I also informed Santander Consumer USA that if their offices have reported invalidated information to any of the 3 major Credit Bureau's (Experian, Equifax or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
Santander Consumer USA has not provided any of the requested information despite me sending 2 (two dispute letters and a request for account validation NOT verification) Since reaching out to Santander Consumer USA, action was taken which has been detrimental to all 3 of my credit reports and (Santander Consumer USA closed the account and reported the file with three (3) charge offs without validating the account), and I am consulting with my legal counsel for suit.
The information provided by Santander Consumer USA includes information that is
inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.
The company Santander Consumer USA has failed to respond to this validation request and the information provided in the Original Note and signed contract must be deleted and completely removed from my credit report and a copy of such deletion (to any/all of the 3 major credit reporting bureaus: Equifax, Experian and TransUnion) should be sent to me immediately.
I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
If the account cannot be VALIDATED and the original NOT be provided with my Signature, the account should be removed entirely with the major bureaus and a letter sent to me immediately
February 17, 2020
***
*** Hollywood Blvd, Apt. ***
Los Angeles, CA XXXXX
Re: Revdex.com Case number: 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.
In reference to your statement that Santander did not respond to your validation request, a review of our record indicates we have not received any direct disputes from you or any requests for debt validation, although we have received six indirect disputes. The indirect disputes are initiated by the credit reporting agencies on your behalf and we then responded to the initiating agency with updated information, if any.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on November 9, 2018 in connection with the purchase of a 2015 Fiat 500 (Vehicle). The amount financed was $20,583.92 at an annual percentage rate (APR) of 14.71%. The payment schedule called for 72 monthly payments of $434.66 each month, with the first payment due on December 24, 2018. The Contract was assigned to Santander.
After a review of the account, we have determined that the reduction of the account 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.
For your account, payments were submitted, of which, 2 were not paid within 10 days of the scheduled due date, which caused late fees to be assessed. Please note a total of 7 payments have been received on the account.
The account balance consists of outstanding principal in the amount of $19,666.61, accrued interest in the amount of $675.48, late fees in the amount $43.46 and other fees in the amount of $2,488.35.
Our records show that the last payment received was on August 16, 2019 which was credited to the payment due on June 24, 2019. The Vehicle was repossessed October 23, 2019 when the account was 91 days past due. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated October 23, 2019, was mailed to you at the address on file, explaining that the Vehicle would be sold sometime after November 16, 2019, but also gave you the opportunity to redeem the Vehicle.
As of the date of this response, the Vehicle has not been redeemed and the sale of the Vehicle is pending at auction.
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.
As a matter of information, Santander has current policies and procedures that meet the Federal and State requirements necessary to be in compliance with certain debt collection practices, as it is Santander's objective to protect its customers from unfair debt collection acts.
After a review of your account, on January 31, 2020 we reported your account as charged off with a balance of $22, 873.00.
Our records indicate your account charged off on November 30, 2019 when the account reached over 120 days past due. Please be advised that once an account has been reported as a charge off it will continue to be reported as a charge off, until the time limit for reporting has been reached.
The date of first delinquency was on July 24, 2019. Your account may be deleted by the credit reporting agencies on or after July 24, 2026, which is 7 years from the above-mentioned date of first delinquency. The date of first delinquency is determined by the charge off date and the last time the account was in a current status before the account charged off. The date of first delinquency is the date a customer first becomes 30 days late, never brings the account current, and then a charge off ensues.
We respectfully decline your request to delete the information being reported to the credit reporting agencies as the information reported matches our records.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX.***.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
NOI
(The consumer indicated he/she DID NOT accept the response from the business.)
As stated before, this was a fraudulent charge. I have sent you a copy of Identity Theft from the FTC. I will attach it again to this complaint along with my police report. Please remove this account from my credit report again, as it does not belong to me. You have not submitted ANY of the requested documentation pertaining to the account being VALIDATED.
February 27, 2020
***
*** Hollywood Blvd, Apt. ***
Los Angeles, CA XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
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 concern.
Please note in your previous complaint (Revdex.com Case # XXXXXXXX) the attachments recently provided were not included and we verified the debt as requested to which we responded on February 17, 2020.
After further review, your attached document from the Federal Trade Commission (Identity Theft Report) and Los Angeles Police Report have been forwarded to our Fraud Risk Department for further review. Our Fraud Risk Department will provide a response once their review is complete. Please allow 30 days for their response to be mailed to the address on file.
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.
As stated previously, on January 31, 2020 we reported your account to the credit reporting agencies as Charged Off with a balance of $22,873.00. Our records indicate your account Charged Off on November 30, 2019 when the account reached over 120 days past due.
Please note that we are unable to consider any changes to the credit reporting on the account until a decision has been reached by our Fraud Risk Department.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Fraud Risk Department directly at X (XXX) XXX.***
Sincerely,
SANTANDER CONSUMER USA INC.
This is the worst bank ever to finance with they just called me today February 2020 to tell me that I have not made a 125 payment in March 2019 of last year which my account has been updated and current these last couple of months and I'm just getting informed of that, it doesn't add up. Also just last month they extra charged me for my car payment and told me that I had to fax them a proof when clearly the first payment went through. This company is the worst ever this is my very first car and I wish I never did this there are so many hidden fees and they do not communicate well.
My name is ***, I'm not gone make this a long story, I financed a car with Santander Consumer in December 2017 my Apr was 28.99% which was
very high. I already had paid $11,266 for the car, the bottom line I was paying for a car three times, it was a 2015 Hyundai sonata, santander consumer totally ripped me off.
On january the 28th my car was repossessed, I did receive a letter stating santander wants me to pay $$22,825.50 to get the car back, I already paid for the car it is only worth $9,000, I did read bad reviews about this company, but that was after I purchased the vehicle, I just really wish the Revdex.com can help me so this won't happen to
no one else. I was going through a hardship and the company has no remorse.
Please,Please if you need any other information don't hesitate to contact me
The resolution i'm seeking is a return of my car and all debts paid or a refund in the amount of $11,266, cause far as i'm concerned the car has been paid for.
February 13, 2020
***
*** Blvd
Calumet City, IL 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 that you entered into a Retail Installment Sale Contract (Contract) on December 19, 2017 in connection with the purchase of a 2015 Hyundai Sonata (Vehicle). The amount financed was $21,628.12 at an annual percentage rate (APR) of 23.61%. The payment schedule called for 72 monthly payments of $569.77 each month, with the first payment due on February 2, 2018.
In reference to the value of the Vehicle, you negotiated the sales price and financing terms with the Dealership, not Santander.
After a review of the enclosed Payment History our records indicate a total amount of 17 payments have been received equaling a total amount of $9,576.10 and not the amount provided in your complaint of $11,266.00.
In reference to the total amount paid on the account, we refer you to the Federal Truth-in-Lending Disclosures on Page 1 of the Contract. Under the section titled "Finance Charge", the dollar amount that the credit will cost you, is $19,395.32, plus the "Amount Financed" of $21,628.12, equals the amount paid under the section titled "Total of Payments", which indicates the amount of $41,023.44. This is the amount you would have paid if all payments had been made according to the payment schedule set forth in the Contract.
After a review of the account we have confirmed that the APR of 23.61% on your Contract is within the allowable state limits. Please note that Santander sets the interest rates based on many factors including but not limited to the down payment on the Vehicle, the current value of the Vehicle at the time of the Contract origination and the applicants' credit worthiness and credit rating. Santander proposes funding for the applicants which they can either accept or reject at the time of their application.
Our records further indicate that the Vehicle was repossessed on January 20, 2020. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated January 28, 2020, was mailed to you at the address on file, explaining that the Vehicle would be sold sometime after February 22, 2020, but also gave you the opportunity to redeem the Vehicle.
In reference to your statement of receiving a letter indicating you must pay $22,825.50 to redeem the Vehicle, the "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI) states if you have paid an amount equal to 30% or more of the deferred payment price or total of payments due at the time of repossession, you *** have a right to reinstate the Agreement until the Last Date of Payment February 22, 2020. If you pay the Total Reinstatement amount shown as $2,775.84 on or before the Last Date for Payment shown above, you may get the Vehicle and continue with the Agreement as though you did not default.
We kindly suggest to please contact our Reinstatement Department to proceed with an accurate amount to reinstate the Vehicle on or before February 22, 2020.
Please also note that if the Vehicle is not redeemed it will be sold at auction and the proceeds from the sale will be applied to the remaining balance on the account. After the sales proceeds are applied to the account, the customer is responsible for any deficiency balance, if any.
In an effort to assist you, a hold has been placed on the sale of the Vehicle until Friday, February 28, 2019. If not redeemed, the Vehicle will be sold.
As of the date of this correspondence your account is currently 120 days past due.
We respectfully decline to return the Vehicle, paid all debts and refund in the amount of $11,266.00 as for the Vehicle has not been redeemed and balance remains due.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, you *** contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Payment History
Contract
NOI
This is the worst bank ever to finance with they just called me today February 2020 to tell me that I have not made a 125 payment in March 2019 of last year which my account has been updated and current these last couple of months and I'm just getting informed of that, it doesn't add up. Also just last month they extra charged me for my car payment and told me that I had to fax them a proof when clearly the first payment went through. This company is the worst ever this is my very first car and I wish I never did this there are so many hidden fees and they do not communicate well.
My name is ***, I'm not gone make this a long story, I financed a car with Santander Consumer in December 2017 my Apr was 28.99% which was
very high. I already had paid $11,266 for the car, the bottom line I was paying for a car three times, it was a 2015 Hyundai sonata, santander consumer totally ripped me off.
On january the 28th my car was repossessed, I did receive a letter stating santander wants me to pay $$22,825.50 to get the car back, I already paid for the car it is only worth $9,000, I did read bad reviews about this company, but that was after I purchased the vehicle, I just really wish the Revdex.com can help me so this won't happen to
no one else. I was going through a hardship and the company has no remorse.
Please,Please if you need any other information don't hesitate to contact me
The resolution i'm seeking is a return of my car and all debts paid or a refund in the amount of $11,266, cause far as i'm concerned the car has been paid for.
February 13, 2020
***
*** Blvd
Calumet City, IL 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 that you entered into a Retail Installment Sale Contract (Contract) on December 19, 2017 in connection with the purchase of a 2015 Hyundai Sonata (Vehicle). The amount financed was $21,628.12 at an annual percentage rate (APR) of 23.61%. The payment schedule called for 72 monthly payments of $569.77 each month, with the first payment due on February 2, 2018.
In reference to the value of the Vehicle, you negotiated the sales price and financing terms with the Dealership, not Santander.
After a review of the enclosed Payment History our records indicate a total amount of 17 payments have been received equaling a total amount of $9,576.10 and not the amount provided in your complaint of $11,266.00.
In reference to the total amount paid on the account, we refer you to the Federal Truth-in-Lending Disclosures on Page 1 of the Contract. Under the section titled "Finance Charge", the dollar amount that the credit will cost you, is $19,395.32, plus the "Amount Financed" of $21,628.12, equals the amount paid under the section titled "Total of Payments", which indicates the amount of $41,023.44. This is the amount you would have paid if all payments had been made according to the payment schedule set forth in the Contract.
After a review of the account we have confirmed that the APR of 23.61% on your Contract is within the allowable state limits. Please note that Santander sets the interest rates based on many factors including but not limited to the down payment on the Vehicle, the current value of the Vehicle at the time of the Contract origination and the applicants' credit worthiness and credit rating. Santander proposes funding for the applicants which they can either accept or reject at the time of their application.
Our records further indicate that the Vehicle was repossessed on January 20, 2020. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated January 28, 2020, was mailed to you at the address on file, explaining that the Vehicle would be sold sometime after February 22, 2020, but also gave you the opportunity to redeem the Vehicle.
In reference to your statement of receiving a letter indicating you must pay $22,825.50 to redeem the Vehicle, the "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI) states if you have paid an amount equal to 30% or more of the deferred payment price or total of payments due at the time of repossession, you *** have a right to reinstate the Agreement until the Last Date of Payment February 22, 2020. If you pay the Total Reinstatement amount shown as $2,775.84 on or before the Last Date for Payment shown above, you may get the Vehicle and continue with the Agreement as though you did not default.
We kindly suggest to please contact our Reinstatement Department to proceed with an accurate amount to reinstate the Vehicle on or before February 22, 2020.
Please also note that if the Vehicle is not redeemed it will be sold at auction and the proceeds from the sale will be applied to the remaining balance on the account. After the sales proceeds are applied to the account, the customer is responsible for any deficiency balance, if any.
In an effort to assist you, a hold has been placed on the sale of the Vehicle until Friday, February 28, 2019. If not redeemed, the Vehicle will be sold.
As of the date of this correspondence your account is currently 120 days past due.
We respectfully decline to return the Vehicle, paid all debts and refund in the amount of $11,266.00 as for the Vehicle has not been redeemed and balance remains due.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, you *** contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Payment History
Contract
NOI
My loan was joint with my mother. Car got repo'd and we paid it off. Santander agreed to remove from credit bureaus reports but only did hers not mine
Acct XXXXXXXI agreed to forfeit any gap or additional insurances to be applied to the loan. Total paid 6507.71
Please remove loan from both parties credit reports as promised. Loan has been paid off since 2013.
February 12, 2020
***
*** Ridge Dr.
Fredericksburg, VA 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 your vehicle was repossessed on October 24, 2014. The Vehicle was not redeemed and was sold on December 4, 2014.
On July 22, 2015 you entered into a Settlement Agreement to settle your account for less than the full amount owed. A letter titled, "Settlement Offer Agreement - Full Payment" was sent on July 23, 2015 stating that we agreed to a settlement of $1,600.00 on the account. The agreement called for 2 payments of $800.00 for a total of $1,600.00 starting on July 22, 2015. The Settlement Agreement indicated that once all payments were received, then Santander would recognize the account as settled in full and would adjust the account to reflect the settlement and report account to the credit reporting agencies as settled for less than the full balance.
According to our records, your account was settled in full on September 28, 2015 and the account reflects a -0- balance.
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.
Based on the information provided, on February 5, 2020, Santander submitted an update to advise all the credit reporting agencies to show the account as Charged off/Paid in Full for less than the full balance (AUD #XXXXXXXX)
Please allow 30 days for the update to be reflected on your credit bureau reports.
We respectfully decline your request to remove the account from your credit reports at this time, as we have confirmed that the information reported matches our records
Enclosed you will find a copy of the Settlement letter and payment history for your review.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X (XXX) XXX.***
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
I refinanced my car loan and sent a cashier check that was received by Santander 24 December 2019 but the cashier check has not been deposited yet.
My name is *** and my account number in SantanderConsumerUSA is XXXXXXXX. I received a car loan from SantanderConsumerUSA in the amount of 15116.46 USD for buying Toyota Camry 2012. The loan was issued in November 2019. APR is 23.70%. First payment is 4 January 2020.
In December 2019 I refinanced my loan through Key Point Credit Union. Payoff from Santander was requested and received 12/17/2019. Payoff is 15528.70 through 12/31/2019.
Key Point Credit Union sent a cashier check in the amount of 15577.80 (number of the check is XXXXXX) through Overnight Mail Santander Consumer USA Inc. *** W. *** Lane Suite *** Dallas, TX XXXXX-XXXX. The cashier check was sent according to all requirements from Santander through FEDEX. Tracking number is XXXXXXXXXXXX. The cashier check was received and signed by representative of Santander - *** 24 December 2019.
Since December 24 until present days I am calling Santander every day through XXX XXX XXXX and chatting through Santander website with customer service.
January 8 I sent a fax with copies of the cashier check on *** (Santander). January 10 representative of Santander (phone call) confirmed that they received the cashier check and the cashier check is in accounting department waiting to be deposited. They told me that the check would be deposited in their system in the day of 24 December 2019 and no later. Asked me to wait for three days.
I have been calling (XXX XXX XXXX) and writing to Santander Consumer almost every day since 10 January 2020. I have chat transcripts confirming that they received the check, I have recorded calls with Santander representatives confirming the same information. Representatives told me many times that the check was received and in the process to be deposited. More than 1 months left from the day they received the cashier check that has not been deposited yet. The only one information I hear every day that I need to wait for another 3 days. They have lots of representatives, I never spoke with the same person. Today 1/30/2020 I heard from representative that they probably lost my check and asked me to wait for another 3 days.
Now I have and pay two loans - one from Santander and one from Key Point Credit Union.
I would like to see that the cashier check NXXXXXX in the amount of 15577.80 that was received by Santander Consumer USA December 24 2019 is deposited to the system by the date when Santander representative received and signed it (December 24 2019). The check has not been missed as soon as Santander confirms that the check is received. As soon as my loan is fully paid I would like to send title of my car to Key Point Credit Union as it is requirements of the law.
February 14, 2020
***
*** Way
Antelope, CA 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.
We regret to learn that you have been unable to resolve your concerns regarding a payoff. Our customer's concerns 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 November 20, 2019 in connection with the purchase of a 2012 Toyota Camry (Vehicle). The amount financed was $15,116.46 at an annual percentage rate of 23.87%. The payment schedule called for 72 monthly payments of $400.66 each, with the first payment due on January 4, 2020. The Contract was assigned to Santander.
On December 6, 2019, correspondence was mailed to the address on file explaining we have reduced the interest rate, which resulted in a lower payment. The interest rate was reduced to 23.70% with a new monthly payment of $399.14.
Afer a review of the account, our records indicate contact was made with our Customer Service Department on December 17, 2019, and a payoff quote was requested. The payoff quote was listed as $15,528.70 good until December 31, 2019, during the call you explained the Vehicle had been refinanced through Key Point Credit Union. In addition, another payoff quote was requested on December 24, 2019, and that payoff quote was listed as $15,597.41 good until January 7, 2020.
On December 31, 2019, we did receive a Web Submission concerning your payoff check. During the Web Submission communication you explained the account was paid in full by KeyPoint Credit Union. Our Customer Service Department made contact with you to explain the payoff amount was not received as of yet.
Further note, our records indicate you mentioned Key Point Credit Union sent the payoff amount via a cashier's check in the amount of $15,577.80, check number XXXXXX and the check was signed off by L. Brown on December 24, 2019.
On January 8, 2020, we received faxed documents from Key Point Credit Union. Included was a copy of the cashier's check for the amount of $15,577.80, check number XXXXXX, dated December 23, 2019, via overnight mail to address *** W. *** Lane Suite *** Dallas, TX XXXXX-XXXX, with FedEx Tracking Number XXXXXXXXXXXX.
Based on the information provided via fax we escalated your concerns to our Accounting Department to assist with locating the payoff in question.
On January 9, 2020, we received a Live Chat Communication, it was mentioned the payoff check was received and was in the process of being posted to the account. The representative mentioned to please allow additional time for the posting of the payoff amount.
Please note, we utilize a third party vendor to assist with receiving our company payments. Once payments are received they are signed off on and then transported to another location for processing with our Accounting Department, which caused a delay in processing of the payoff. We apologize for the inconvenience this matter has caused.
After a review of the enclosed Payment History our records indicate on February 10, 2020, the payoff posted in the amount of $15,577.80 and posted with an effective date of December 24, 2019.
On February 11, 2020 contact was made with our Executive Office, it was mentioned the payoff check was received. A paid in full letter was requested to be emailed to you confirming the balance was resolved and to allow up the thirty (30) days for all updates to be indicated with the credit reporting agencies.
There was an overage in the amount of $527.62, and the estimated overage refund release date is on March 16, 2020. A request was submitted to our Accounting Department to have the funds sent prior to March 16, 2020. The request has not officially been approved and can take up to 5 to 10 business days. Howeever please note, the refund will come in the form of a debit card to the address on file.
At this time we now believe this matter to be resolved.
Enclosed are copies of the Contract, Payment History, and Paid in Full Letter.
We sincerely apologize for the delay in the processing of your payoff. Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed you may contact us directly at (XXX) XXX.***.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
My loan was joint with my mother. Car got repo'd and we paid it off. Santander agreed to remove from credit bureaus reports but only did hers not mine
Acct XXXXXXXI agreed to forfeit any gap or additional insurances to be applied to the loan. Total paid 6507.71
Please remove loan from both parties credit reports as promised. Loan has been paid off since 2013.
February 12, 2020
***
*** Ridge Dr.
Fredericksburg, VA 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 your vehicle was repossessed on October 24, 2014. The Vehicle was not redeemed and was sold on December 4, 2014.
On July 22, 2015 you entered into a Settlement Agreement to settle your account for less than the full amount owed. A letter titled, "Settlement Offer Agreement - Full Payment" was sent on July 23, 2015 stating that we agreed to a settlement of $1,600.00 on the account. The agreement called for 2 payments of $800.00 for a total of $1,600.00 starting on July 22, 2015. The Settlement Agreement indicated that once all payments were received, then Santander would recognize the account as settled in full and would adjust the account to reflect the settlement and report account to the credit reporting agencies as settled for less than the full balance.
According to our records, your account was settled in full on September 28, 2015 and the account reflects a -0- balance.
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.
Based on the information provided, on February 5, 2020, Santander submitted an update to advise all the credit reporting agencies to show the account as Charged off/Paid in Full for less than the full balance (AUD #XXXXXXXX)
Please allow 30 days for the update to be reflected on your credit bureau reports.
We respectfully decline your request to remove the account from your credit reports at this time, as we have confirmed that the information reported matches our records
Enclosed you will find a copy of the Settlement letter and payment history for your review.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X (XXX) XXX.***
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Not properly functioning banking website and terrible customer service
We have been trying to make a simple routing adjustment to our monthly payment via the Chrysler Capital website because our bank was forced to change it due to suspected fraudulent activities. We have changed all our autopayments with 16 different institutions in less than an hour. Just login to their website, select payment options and push 'edit'.
For the Chrysler Capital website it did not gave any of those options. It did not even give us the option to make a payment after 2016 (current date: January 31, 2020). We called with the Chrysler Capital representative and he told us that we couldn't do it immediately because he had to reset the account and we had to wait 24 hours for the adjustment to come through. So, 24 hours later we tried again to adjust the routing number but evidently due to the reset this Chrysler Capital representative made, our February payment was returned, by their own website (!) causing the system to block. Calling again with Chrysler Capital, they informed us that we now have to wait 6 months before we can set up an autopayment via the website and that our payment options are monthly MoneyGram payments. Any attempt to get someone on the phone who possessed some common sense and proper knowledge to help us with this ridicules flaw in their payment system were unsuccessful. We have rarely encountered such an unprofessional financial institution with such an outdated system and extremely rude customer service. This is going to be our last attempt to get in touch with someone of Chrysler Capital who grasps the situation and acknowledge how ridicules it is that such a simple adjustment has to takes already 4 days without success.
We would like to give Chrysler Capital the opportunity to stop creating problems for us and adjust our existing repetitive monthly payment with the new routing information. We are not interested in any explanations about what our alternative options are now the system has blocked or any other excuses that puts the blame of their outdated payment system on our shoulder. Failure of our request by Chrysler Capital will result in further legal actions from our side and an official complained at the governments Customer Financial Protection Bureau.
February 11, 2020
***
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear ***:
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.
Please be advised that Chrysler Capital utilizes Western Union's Speed Pay Services, which grants our customers the opportunity to pay electronically via ACH or debit card, as well as have their payments automatically withdrawn each month. In the event that a customer's payment is returned by their banking institution as unpaid, Western Union automatically blocks the customer from making a payment using that banking institution's information until 6 consecutive payments have been successfully received for the account. We regret any inconvenience that this may cause, however, this is process set in place by Western Union and Chrysler Capital is unable to remove the block for the account.
Our records indicate that on April 4, 2016 you set up payments to be automatically withdrawn from your bank account each month on the 26th and the first automatic recurring payment came out of your account on April 26, 2016. Please note that although your account was set up on recurring payments, you still had the option to make a payment via another method using your online account with Chrysler Capital.
In reviewing the payment history, the payment that was automatically withdrawn on January 26, 2020, in the amount of $550.62, was returned by your banking institution on January 30, 2020, due to "Closed Account".
In addition, our records indicate that you did not contact our office until January 29, 2020, to gain access to your online account and update your banking information. At that time the payment had already been processed. In order to have avoided the returned payment, you would have needed to update your banking information prior to the payment being withdrawn on January 26, 2020. We have no record that you attempted to correct the banking information or contact our office prior to January 29, 2020.
Once 6 consecutive payments have been received to the account you may set the account back up on automatic recurring payments. In the meantime, you may make payments to the account via debit card, Money Gram, Western Union or by mailing a check.
Enclosed is a copy of the Payment History for the account.
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 DID NOT accept the response from the business.)
It is an empty and obvious standard answer that does not even tough on the complained made and does not address the issue we have with their outdated payment system. We indicated that the main issue we have is that a simple change as a routing number cannot be implemented on their website and that mailing checks and Moneygram is unacceptable if we just try to change the routing number and being blocked for 6 months. Again it has been proven that CHRYSLER CAPITAL is also not willing to address the issue properly by contacting us. CHRYSLER CAPITAL obviously did not understand (or is 'wiling' to understand reading their answer) and shall put zero effort in it to show any customer support!
February 18, 2020
***
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear ***:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. We regret that you remain dissatisfied and did not accept our response to your original complaint.
As stated in our prior response, Western Union placed the block on your account and not Chrysler Capital. Chrysler Capital utilizes a 3rd party vendor, Western Union's Speed Pay Services, which grants our customers the opportunity to pay electronically via ACH or debit card, as well as have their payments automatically withdrawn each month. Once a payment is returned, Western Union's Speed Pay Services will place a block on the account until 6 consecutive payments are received.
Please note that you can make payments online or over the phone using a debit card, instead of your checking account information. Additionally, you may also wish to contact your financial institution about submitting automatic recurring payments to your Chrysler Capital account through their bill payment system, if possible.
Although we empathize with your situation, Western Union will not remove the block on the account until 6 consecutive payments have been received for the account. Again, Chrysler Capital has no control over the policies and procedures of Western Union.
Please understand that when a customer contacts our office through Revdex.com, we provide a written response though the Revdex.com.
If you wish to discuss this matter further, please contact our office directly at 1(855) 563-5635.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she DID NOT accept the response from the business.)
Again, false accusations and inaccurate information without taking any effort to solve the problem. Chrysler Capital is accusing that we did not contact them soon enough, WE CONTACTED THEM ON JANUARY 29, THAT IS IMMEDIATELY AFTER WE GOT THEIR NOTIFICATION THAT THE PAYMENT BOUNCED!!!! But they claim that happened on January 29, so they consider 3 days to late? Nothing has changed and will ever change with this criminal organization, Chrysler Capital has my contact information but does not do ANY effort to contact me other than providing a contact number that will direct me to one of their (overseas) call center, the very source of the problem.
We do not accept the 'resolution' (as far their responds can be called a resolution until we are being personally approached by their escalation department providing us a proper solution instead of arguing through the Revdex.com website.
We are looking forward to your phone call.
Not properly functioning banking website and terrible customer service
We have been trying to make a simple routing adjustment to our monthly payment via the Chrysler Capital website because our bank was forced to change it due to suspected fraudulent activities. We have changed all our autopayments with 16 different institutions in less than an hour. Just login to their website, select payment options and push 'edit'.
For the Chrysler Capital website it did not gave any of those options. It did not even give us the option to make a payment after 2016 (current date: January 31, 2020). We called with the Chrysler Capital representative and he told us that we couldn't do it immediately because he had to reset the account and we had to wait 24 hours for the adjustment to come through. So, 24 hours later we tried again to adjust the routing number but evidently due to the reset this Chrysler Capital representative made, our February payment was returned, by their own website (!) causing the system to block. Calling again with Chrysler Capital, they informed us that we now have to wait 6 months before we can set up an autopayment via the website and that our payment options are monthly MoneyGram payments. Any attempt to get someone on the phone who possessed some common sense and proper knowledge to help us with this ridicules flaw in their payment system were unsuccessful. We have rarely encountered such an unprofessional financial institution with such an outdated system and extremely rude customer service. This is going to be our last attempt to get in touch with someone of Chrysler Capital who grasps the situation and acknowledge how ridicules it is that such a simple adjustment has to takes already 4 days without success.
We would like to give Chrysler Capital the opportunity to stop creating problems for us and adjust our existing repetitive monthly payment with the new routing information. We are not interested in any explanations about what our alternative options are now the system has blocked or any other excuses that puts the blame of their outdated payment system on our shoulder. Failure of our request by Chrysler Capital will result in further legal actions from our side and an official complained at the governments Customer Financial Protection Bureau.
February 11, 2020
***
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear ***:
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.
Please be advised that Chrysler Capital utilizes Western Union's Speed Pay Services, which grants our customers the opportunity to pay electronically via ACH or debit card, as well as have their payments automatically withdrawn each month. In the event that a customer's payment is returned by their banking institution as unpaid, Western Union automatically blocks the customer from making a payment using that banking institution's information until 6 consecutive payments have been successfully received for the account. We regret any inconvenience that this may cause, however, this is process set in place by Western Union and Chrysler Capital is unable to remove the block for the account.
Our records indicate that on April 4, 2016 you set up payments to be automatically withdrawn from your bank account each month on the 26th and the first automatic recurring payment came out of your account on April 26, 2016. Please note that although your account was set up on recurring payments, you still had the option to make a payment via another method using your online account with Chrysler Capital.
In reviewing the payment history, the payment that was automatically withdrawn on January 26, 2020, in the amount of $550.62, was returned by your banking institution on January 30, 2020, due to "Closed Account".
In addition, our records indicate that you did not contact our office until January 29, 2020, to gain access to your online account and update your banking information. At that time the payment had already been processed. In order to have avoided the returned payment, you would have needed to update your banking information prior to the payment being withdrawn on January 26, 2020. We have no record that you attempted to correct the banking information or contact our office prior to January 29, 2020.
Once 6 consecutive payments have been received to the account you may set the account back up on automatic recurring payments. In the meantime, you may make payments to the account via debit card, Money Gram, Western Union or by mailing a check.
Enclosed is a copy of the Payment History for the account.
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 DID NOT accept the response from the business.)
It is an empty and obvious standard answer that does not even tough on the complained made and does not address the issue we have with their outdated payment system. We indicated that the main issue we have is that a simple change as a routing number cannot be implemented on their website and that mailing checks and Moneygram is unacceptable if we just try to change the routing number and being blocked for 6 months. Again it has been proven that CHRYSLER CAPITAL is also not willing to address the issue properly by contacting us. CHRYSLER CAPITAL obviously did not understand (or is 'wiling' to understand reading their answer) and shall put zero effort in it to show any customer support!
February 18, 2020
***
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear ***:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. We regret that you remain dissatisfied and did not accept our response to your original complaint.
As stated in our prior response, Western Union placed the block on your account and not Chrysler Capital. Chrysler Capital utilizes a 3rd party vendor, Western Union's Speed Pay Services, which grants our customers the opportunity to pay electronically via ACH or debit card, as well as have their payments automatically withdrawn each month. Once a payment is returned, Western Union's Speed Pay Services will place a block on the account until 6 consecutive payments are received.
Please note that you can make payments online or over the phone using a debit card, instead of your checking account information. Additionally, you may also wish to contact your financial institution about submitting automatic recurring payments to your Chrysler Capital account through their bill payment system, if possible.
Although we empathize with your situation, Western Union will not remove the block on the account until 6 consecutive payments have been received for the account. Again, Chrysler Capital has no control over the policies and procedures of Western Union.
Please understand that when a customer contacts our office through Revdex.com, we provide a written response though the Revdex.com.
If you wish to discuss this matter further, please contact our office directly at 1(855) 563-5635.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she DID NOT accept the response from the business.)
Again, false accusations and inaccurate information without taking any effort to solve the problem. Chrysler Capital is accusing that we did not contact them soon enough, WE CONTACTED THEM ON JANUARY 29, THAT IS IMMEDIATELY AFTER WE GOT THEIR NOTIFICATION THAT THE PAYMENT BOUNCED!!!! But they claim that happened on January 29, so they consider 3 days to late? Nothing has changed and will ever change with this criminal organization, Chrysler Capital has my contact information but does not do ANY effort to contact me other than providing a contact number that will direct me to one of their (overseas) call center, the very source of the problem.
We do not accept the 'resolution' (as far their responds can be called a resolution until we are being personally approached by their escalation department providing us a proper solution instead of arguing through the Revdex.com website.
We are looking forward to your phone call.
I refinanced my car loan and sent a cashier check that was received by Santander 24 December 2019 but the cashier check has not been deposited yet.
My name is *** and my account number in SantanderConsumerUSA is XXXXXXXX. I received a car loan from SantanderConsumerUSA in the amount of 15116.46 USD for buying Toyota Camry 2012. The loan was issued in November 2019. APR is 23.70%. First payment is 4 January 2020.
In December 2019 I refinanced my loan through Key Point Credit Union. Payoff from Santander was requested and received 12/17/2019. Payoff is 15528.70 through 12/31/2019.
Key Point Credit Union sent a cashier check in the amount of 15577.80 (number of the check is XXXXXX) through Overnight Mail Santander Consumer USA Inc. *** W. *** Lane Suite *** Dallas, TX XXXXX-XXXX. The cashier check was sent according to all requirements from Santander through FEDEX. Tracking number is XXXXXXXXXXXX. The cashier check was received and signed by representative of Santander - *** 24 December 2019.
Since December 24 until present days I am calling Santander every day through XXX XXX XXXX and chatting through Santander website with customer service.
January 8 I sent a fax with copies of the cashier check on *** (Santander). January 10 representative of Santander (phone call) confirmed that they received the cashier check and the cashier check is in accounting department waiting to be deposited. They told me that the check would be deposited in their system in the day of 24 December 2019 and no later. Asked me to wait for three days.
I have been calling (XXX XXX XXXX) and writing to Santander Consumer almost every day since 10 January 2020. I have chat transcripts confirming that they received the check, I have recorded calls with Santander representatives confirming the same information. Representatives told me many times that the check was received and in the process to be deposited. More than 1 months left from the day they received the cashier check that has not been deposited yet. The only one information I hear every day that I need to wait for another 3 days. They have lots of representatives, I never spoke with the same person. Today 1/30/2020 I heard from representative that they probably lost my check and asked me to wait for another 3 days.
Now I have and pay two loans - one from Santander and one from Key Point Credit Union.
I would like to see that the cashier check NXXXXXX in the amount of 15577.80 that was received by Santander Consumer USA December 24 2019 is deposited to the system by the date when Santander representative received and signed it (December 24 2019). The check has not been missed as soon as Santander confirms that the check is received. As soon as my loan is fully paid I would like to send title of my car to Key Point Credit Union as it is requirements of the law.
February 14, 2020
***
*** Way
Antelope, CA 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.
We regret to learn that you have been unable to resolve your concerns regarding a payoff. Our customer's concerns 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 November 20, 2019 in connection with the purchase of a 2012 Toyota Camry (Vehicle). The amount financed was $15,116.46 at an annual percentage rate of 23.87%. The payment schedule called for 72 monthly payments of $400.66 each, with the first payment due on January 4, 2020. The Contract was assigned to Santander.
On December 6, 2019, correspondence was mailed to the address on file explaining we have reduced the interest rate, which resulted in a lower payment. The interest rate was reduced to 23.70% with a new monthly payment of $399.14.
Afer a review of the account, our records indicate contact was made with our Customer Service Department on December 17, 2019, and a payoff quote was requested. The payoff quote was listed as $15,528.70 good until December 31, 2019, during the call you explained the Vehicle had been refinanced through Key Point Credit Union. In addition, another payoff quote was requested on December 24, 2019, and that payoff quote was listed as $15,597.41 good until January 7, 2020.
On December 31, 2019, we did receive a Web Submission concerning your payoff check. During the Web Submission communication you explained the account was paid in full by KeyPoint Credit Union. Our Customer Service Department made contact with you to explain the payoff amount was not received as of yet.
Further note, our records indicate you mentioned Key Point Credit Union sent the payoff amount via a cashier's check in the amount of $15,577.80, check number XXXXXX and the check was signed off by L. Brown on December 24, 2019.
On January 8, 2020, we received faxed documents from Key Point Credit Union. Included was a copy of the cashier's check for the amount of $15,577.80, check number XXXXXX, dated December 23, 2019, via overnight mail to address *** W. *** Lane Suite *** Dallas, TX XXXXX-XXXX, with FedEx Tracking Number XXXXXXXXXXXX.
Based on the information provided via fax we escalated your concerns to our Accounting Department to assist with locating the payoff in question.
On January 9, 2020, we received a Live Chat Communication, it was mentioned the payoff check was received and was in the process of being posted to the account. The representative mentioned to please allow additional time for the posting of the payoff amount.
Please note, we utilize a third party vendor to assist with receiving our company payments. Once payments are received they are signed off on and then transported to another location for processing with our Accounting Department, which caused a delay in processing of the payoff. We apologize for the inconvenience this matter has caused.
After a review of the enclosed Payment History our records indicate on February 10, 2020, the payoff posted in the amount of $15,577.80 and posted with an effective date of December 24, 2019.
On February 11, 2020 contact was made with our Executive Office, it was mentioned the payoff check was received. A paid in full letter was requested to be emailed to you confirming the balance was resolved and to allow up the thirty (30) days for all updates to be indicated with the credit reporting agencies.
There was an overage in the amount of $527.62, and the estimated overage refund release date is on March 16, 2020. A request was submitted to our Accounting Department to have the funds sent prior to March 16, 2020. The request has not officially been approved and can take up to 5 to 10 business days. Howeever please note, the refund will come in the form of a debit card to the address on file.
At this time we now believe this matter to be resolved.
Enclosed are copies of the Contract, Payment History, and Paid in Full Letter.
We sincerely apologize for the delay in the processing of your payoff. Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed you may contact us directly at (XXX) XXX.***.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I been told that if I don't pay this they will pick up my car. I have spoke with them numerous times they offered a way help with plan after they sa
I have a paper where they offered to help catch me up but I getting threatening calls saying they don't know what I m talking about and I have the paper. They know my situations and say they make notes but they call again and say they don't have it. When eexplain again they offer help but I get more threatened calls and it starts over.
Resolution of the late fees and and my account in good standing and of assistance program they offered as I am old and close to pay off.
February 12, 2020
***
XXXXX *** E
*** 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.
We regret to learn of your experience in attempting to resolve your account balance issue. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
After a review of the information provided in your complaint we are unable to substantiate your statement of threatening calls or left voicemails, therefore if you if you have additional evidence or details of these allegations you may provide the requested information through the Revdex.com portal. Once received we will review this matter further and respond accordingly.
As of the date of this correspondence, your account is currently 46 days past due and due for December 2019 and January 2019 payments.
In reference to your account approaching closing, please note the estimated amount to pay off your account is $5,269.74, which is good through February 26, 2020. The payoff amount includes a principal balance of $5,001.38, $69.05 in interest and $193.42 in unpaid late fees. In effort to help assist you, we waived $60.00 in late fees. Please allow 24 hours for this to indicate on your account balance.
Our records indicate that a letter titled "Notice of Right to Cure Default and Requirement of Strict Compliance" (RTC) dated January 19, 2020 was mailed to you at the address on file, stating that the account was in default and if not cured by February 2, 2020 we would take possession of the Vehicle. Therefore, on January 30, 2020 we received payment in the amount of $358.00 in which reduced the delinquency on your account.
In regard to the correspondence attached in your complaint and the correspondence dated January 9, 2019 states you may have assistance available, however any assistance is subject to approval. Please note assistance has not been granted due to the inability to secure arrangements to bring the account current.
We respectfully recommend that you contact us at the telephone number listed below to discuss payment options or other available payment assistance on the account.
Enclosed are copies of the Payoff Quote Letter and Payment History.
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 X-XXX-XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Payoff Letter
Payment History
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with a rep from Santander and yes I receive phones, but I'm old and sick and do not know to recording so is word against mine. I made arrangements that are suppose to out in order I just oray to God time it stays.
February 27, 2020
***
XXXXX *** E
*** 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 continued opportunity to address your concerns.
We regret to learn that you remain dissatisfied and did not accept our response along with any inconvenience that you may have experienced in further attempting to resolve your concerns. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
After further review, on February 13, 2020 you spoke with an representative in our Customer Service Department, you were unable to pay as of the date stated above, however you made arrangements to make an payment on February 19, 2020 in the amount of $358.96 and every month plus additional until account is current. Further note, an Extension Agreement was requested and required documents that need to be signed and returned were sent by mail on February 14, 2020.
As of the date of this correspondence please note the arrangement for February 19, 2020 payment has not been received and the Extension Agreement documents have not been received.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX
Sincerely,
SANTANDER CONSUMER USA INC.
I been told that if I don't pay this they will pick up my car. I have spoke with them numerous times they offered a way help with plan after they sa
I have a paper where they offered to help catch me up but I getting threatening calls saying they don't know what I m talking about and I have the paper. They know my situations and say they make notes but they call again and say they don't have it. When eexplain again they offer help but I get more threatened calls and it starts over.
Resolution of the late fees and and my account in good standing and of assistance program they offered as I am old and close to pay off.
February 12, 2020
***
XXXXX *** E
*** 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.
We regret to learn of your experience in attempting to resolve your account balance issue. Our customer's concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
After a review of the information provided in your complaint we are unable to substantiate your statement of threatening calls or left voicemails, therefore if you if you have additional evidence or details of these allegations you may provide the requested information through the Revdex.com portal. Once received we will review this matter further and respond accordingly.
As of the date of this correspondence, your account is currently 46 days past due and due for December 2019 and January 2019 payments.
In reference to your account approaching closing, please note the estimated amount to pay off your account is $5,269.74, which is good through February 26, 2020. The payoff amount includes a principal balance of $5,001.38, $69.05 in interest and $193.42 in unpaid late fees. In effort to help assist you, we waived $60.00 in late fees. Please allow 24 hours for this to indicate on your account balance.
Our records indicate that a letter titled "Notice of Right to Cure Default and Requirement of Strict Compliance" (RTC) dated January 19, 2020 was mailed to you at the address on file, stating that the account was in default and if not cured by February 2, 2020 we would take possession of the Vehicle. Therefore, on January 30, 2020 we received payment in the amount of $358.00 in which reduced the delinquency on your account.
In regard to the correspondence attached in your complaint and the correspondence dated January 9, 2019 states you may have assistance available, however any assistance is subject to approval. Please note assistance has not been granted due to the inability to secure arrangements to bring the account current.
We respectfully recommend that you contact us at the telephone number listed below to discuss payment options or other available payment assistance on the account.
Enclosed are copies of the Payoff Quote Letter and Payment History.
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 X-XXX-XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Payoff Letter
Payment History
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with a rep from Santander and yes I receive phones, but I'm old and sick and do not know to recording so is word against mine. I made arrangements that are suppose to out in order I just oray to God time it stays.
February 27, 2020
***
XXXXX *** E
*** 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 continued opportunity to address your concerns.
We regret to learn that you remain dissatisfied and did not accept our response along with any inconvenience that you may have experienced in further attempting to resolve your concerns. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
After further review, on February 13, 2020 you spoke with an representative in our Customer Service Department, you were unable to pay as of the date stated above, however you made arrangements to make an payment on February 19, 2020 in the amount of $358.96 and every month plus additional until account is current. Further note, an Extension Agreement was requested and required documents that need to be signed and returned were sent by mail on February 14, 2020.
As of the date of this correspondence please note the arrangement for February 19, 2020 payment has not been received and the Extension Agreement documents have not been received.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX
Sincerely,
SANTANDER CONSUMER USA INC.
Addedenum to complaint (XXXXXXXX)New Cooper Tires are being financed presently.
Refund I want to be reimbursed for the tires.Because I requested to Santander to let me take the finances fired off the car.And I was told quote ( in order for me to do that I would have to go back to Florida, where I got the tires.And put the old tires back on the vehicle that was repossessed in S C.)'???
February 10, 2020
***
***
Jacksonville, FL 32277
Re: Revdex.com Case Number: ***
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 you submitted a previous complaint with the Revdex.com (Case Number 91517316) to which we provided a response on February 6, 2020 addressing your concerns.
In reference to the tires that you state are being financed on your 2008 Toyota Avalon that was repossessed on December 29, 2019, please note that we will need copy of the contract for the tires as well as a letter from the finance company on their letterhead stating they will remove and replace the financed tires with the original tires. Their letter also needs to state that they will be responsible for any fees and or damages which may be caused during the removal of the tires.
We respectfully decline your request to reimburse you for the tires.
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.
(The consumer indicated he/she DID NOT accept the response from the business.)
Because my car shouldn't have been repossessed on 12-29-19.And this response is a partial response. Where is the response in reference to the 2008 Toyota Avalon xls that was repossessed on 12-29-19?
February 26, 2020
***
***
Jacksonville, FL 32277
Re: Revdex.com Case Number: ***
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.
Our records show that you submitted a previous complaint with the Revdex.com (Case Number ***) to which we provided a response on February 6, 2020 addressing your concerns regarding the repossession of your 2008 Toyota Avalon. Enclosed is a copy for your records.
As previously stated for this complaint, in reference to the tires that you state are being financed on your 2008 Toyota Avalon that was repossessed on December 29, 2019, we will need copy of the contract for the tires as well as a letter from the finance company on their letterhead stating they will remove and replace the financed tires with the original tires. Their letter also needs to state that they will be responsible for any fees and or damages which may be caused during the removal of the tires.
We respectfully decline your request to reimburse you for the tires.
Thank you again for the opportunity to address your additional concerns. If further assistance is needed, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Addedenum to complaint (XXXXXXXX)New Cooper Tires are being financed presently.
Refund I want to be reimbursed for the tires.Because I requested to Santander to let me take the finances fired off the car.And I was told quote ( in order for me to do that I would have to go back to Florida, where I got the tires.And put the old tires back on the vehicle that was repossessed in S C.)'???
February 10, 2020
***
***
Jacksonville, FL 32277
Re: Revdex.com Case Number: ***
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 you submitted a previous complaint with the Revdex.com (Case Number 91517316) to which we provided a response on February 6, 2020 addressing your concerns.
In reference to the tires that you state are being financed on your 2008 Toyota Avalon that was repossessed on December 29, 2019, please note that we will need copy of the contract for the tires as well as a letter from the finance company on their letterhead stating they will remove and replace the financed tires with the original tires. Their letter also needs to state that they will be responsible for any fees and or damages which may be caused during the removal of the tires.
We respectfully decline your request to reimburse you for the tires.
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.
(The consumer indicated he/she DID NOT accept the response from the business.)
Because my car shouldn't have been repossessed on 12-29-19.And this response is a partial response. Where is the response in reference to the 2008 Toyota Avalon xls that was repossessed on 12-29-19?
February 26, 2020
***
***
Jacksonville, FL 32277
Re: Revdex.com Case Number: ***
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.
Our records show that you submitted a previous complaint with the Revdex.com (Case Number ***) to which we provided a response on February 6, 2020 addressing your concerns regarding the repossession of your 2008 Toyota Avalon. Enclosed is a copy for your records.
As previously stated for this complaint, in reference to the tires that you state are being financed on your 2008 Toyota Avalon that was repossessed on December 29, 2019, we will need copy of the contract for the tires as well as a letter from the finance company on their letterhead stating they will remove and replace the financed tires with the original tires. Their letter also needs to state that they will be responsible for any fees and or damages which may be caused during the removal of the tires.
We respectfully decline your request to reimburse you for the tires.
Thank you again for the opportunity to address your additional concerns. If further assistance is needed, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Hello It is 1/27 since the 18th of January I have been waiting to get an update regarding the LOCATION of my vehicle when I can get back.Still Nothing
Since the 20th of january Ive been waiting to be updated about getting my car back.When and where it can be picked up. I was supposed to be contacted with that info but I have been th3e one to contact them EVERYTIME and all they tell me is they are trying to get an update on location. WHy is it so difficult to pick up a phone and communicate, THis is mt car EVERY representative with the exception for 1 or 2 that I spoke to Acted as if they were doing me A HUGE favor or something.
If I didn't need my car on a daily basis as I was unaware ti would get towed as they did not alert me of that either spent the weekend they towed it in a hotel bc I could not get back home
I want someone to acknowledge this and some Compensation is the only resolution. I have paid 2 months of insurance and over 1200 dollars in just over a week or so ue to all of this. I cannot explain enough hoew unacceptable this is and how haunting of an experience this was I am going to seek every avenue and available option to longer have to deal with Consumer Santander and they're HORRIBLE levels of service
February 7, 2020
***
*** Blvd.
Los Angeles, CA XXXXX
Re: Revdex.com Case number: 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.
We apologize for any issues you encountered while attempting to redeem the vehicle. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
Please note the State of California does not require a Notice of Right to Cure Default notice to be mailed to the borrower prior to a repossession. We made numerous attempts to reach you prior to the repossession by telephone regarding the status of your account but we were unable to reach you.
Our records indicate that the vehicle associated with the above referenced account was repossessed on December 28, 2019 due to past due payments when the account was 98 days past due.
A payment in the amount of $1,299.32 posted to the account effective January 18, 2020, which was the amount quoted to redeem the vehicle. On January 20, 2020 you spoke with a Reinstatement representative to finalize your reinstatement for vehicle release and a vehicle release form was subsequently sent to the vendor. Please be advised that when the vehicle release form was submitted, the vehicle had already been in route to the auto auction.
In an effort to assist you with this matter, we submitted a request to have the vehicle transported back to the repossession agency. Unfortunately, the auctions transporter determines when the vehicle will be returned back to the repossession agency. However, Santander representatives did make attempts to reach a resolution in your matter.
Our records further indicate on February 6, 2020 you confirmed with a Santander Executive Office representative that you have possession of the vehicle. We sincerely apologize for the delay in redeeming the vehicle and appreciate your efforts in adhering to the insurance coverage requirements.
We respectfully decline your request to provide any reimbursement.
We regret any inconvenience that you may have experienced in this matter and hope that this explanation is satisfactory to you. Thank you again for the opportunity to address your concerns. If further assistance is needed, we may be contacted directly X(XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Note and Security Agreement
Payment History
Notice of Intention to Dispose of Motor Vehicle
Hello It is 1/27 since the 18th of January I have been waiting to get an update regarding the LOCATION of my vehicle when I can get back.Still Nothing
Since the 20th of january Ive been waiting to be updated about getting my car back.When and where it can be picked up. I was supposed to be contacted with that info but I have been th3e one to contact them EVERYTIME and all they tell me is they are trying to get an update on location. WHy is it so difficult to pick up a phone and communicate, THis is mt car EVERY representative with the exception for 1 or 2 that I spoke to Acted as if they were doing me A HUGE favor or something.
If I didn't need my car on a daily basis as I was unaware ti would get towed as they did not alert me of that either spent the weekend they towed it in a hotel bc I could not get back home
I want someone to acknowledge this and some Compensation is the only resolution. I have paid 2 months of insurance and over 1200 dollars in just over a week or so ue to all of this. I cannot explain enough hoew unacceptable this is and how haunting of an experience this was I am going to seek every avenue and available option to longer have to deal with Consumer Santander and they're HORRIBLE levels of service
February 7, 2020
***
*** Blvd.
Los Angeles, CA XXXXX
Re: Revdex.com Case number: 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.
We apologize for any issues you encountered while attempting to redeem the vehicle. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
Please note the State of California does not require a Notice of Right to Cure Default notice to be mailed to the borrower prior to a repossession. We made numerous attempts to reach you prior to the repossession by telephone regarding the status of your account but we were unable to reach you.
Our records indicate that the vehicle associated with the above referenced account was repossessed on December 28, 2019 due to past due payments when the account was 98 days past due.
A payment in the amount of $1,299.32 posted to the account effective January 18, 2020, which was the amount quoted to redeem the vehicle. On January 20, 2020 you spoke with a Reinstatement representative to finalize your reinstatement for vehicle release and a vehicle release form was subsequently sent to the vendor. Please be advised that when the vehicle release form was submitted, the vehicle had already been in route to the auto auction.
In an effort to assist you with this matter, we submitted a request to have the vehicle transported back to the repossession agency. Unfortunately, the auctions transporter determines when the vehicle will be returned back to the repossession agency. However, Santander representatives did make attempts to reach a resolution in your matter.
Our records further indicate on February 6, 2020 you confirmed with a Santander Executive Office representative that you have possession of the vehicle. We sincerely apologize for the delay in redeeming the vehicle and appreciate your efforts in adhering to the insurance coverage requirements.
We respectfully decline your request to provide any reimbursement.
We regret any inconvenience that you may have experienced in this matter and hope that this explanation is satisfactory to you. Thank you again for the opportunity to address your concerns. If further assistance is needed, we may be contacted directly X(XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Note and Security Agreement
Payment History
Notice of Intention to Dispose of Motor Vehicle
I'm having a very difficult time getting a refund for a car loan that I had with Santander.
In September 2019 I purchased a car 2014 infiniti QX60 from Rockland Hyundai in West Nyack, NY, the car was returned at the end of October because it was a lemon, they refunded me my down payment. during this time while the car was in the shop I made the 1st month payment to Santander Bank on or around October 20, 2019. after the car return was completed the dealership worked with santander to reverse the loan process in the beginning of November 2019. I was told I should receive a refund check from Santander in the mail after 2 weeks or so.
on December 15 I called Santander support again, they didn't have an update, the rep said he would have to email accounting office to get an update and that I would have to call back again the following week.
time has past and I forgot to call back so I called Santander again on Jan 13 and I was told the check was mailed out in November but they don't know to who exactly. they said it would have gone to dealership which makes no sense!! I never received it at my house. the rep said he would reach out the the accounting office to get the check destination and I would have to back a week later for an update. even more ridiculous.
I called again today on Jan 23 and i'm given the same response. the rep was very short with me and had no info provide other than telling me that I never called in November and december and that I would have to call back again next week after he reaches out to the accounting office.
I asked for a manager, who also had no accurate information and told me that my refund may be been sent to Citibank or wirecard. she gave me 2 numbers to call, I did both both, and none of them have information of my refund.
I've been getting no where for several weeks and months and its very very frustating. i'm on the verse of filing a law suit with this bank. now I want to be compensated $5000 for all the frustration and wasted time and effort trying to get my money back. nearly 3 months has gone by and i've made no progress.
i want my refund of $361 immediately overnighted to my house.
February 5, 2020
***
***
***, *** 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 the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We have reviewed the account and our records indicate that Santander has returned this contract to Route 59 Automotive, LLC (Dealership) and you will no longer have an obligation to Santander for this account.
We respectfully suggest that you contact the Dealership for further assistance regarding your concerns. Our records indicate that we sent the refund payment to the Dealership and they will in turn refund your payment. We apologize for any inconvenience or delay in this matter.
We respectfully decline for request for additional compensation.
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 INC.