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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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.
I call them up a few times about payments explained to their clerks about my payments that I can only make them on personal checks once a month each and every month on the 3rd of that month and whatvtheir tring to do is cash it the check as many time as they can I had to put a stop which cost me money ,surcharges and in suffient fund ,ect. apparently they don't care they tell me they haven't received the check yetthe first thing I see is their tring to cash it,plus what ever I send them,to make the payments ahead of thethig.
Product_Or_Service: 2015chevy
Explanation of Charges cash one check at a time ea. month ,till I can afford to do otherwise.
February 4, 2020
*** U. ***
69 ***
South *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account Number: *** 8104
Dear Mr.:
We have received your correspondence 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 the concerns of your concerns.
Please note that all payments are cashed when they are received and we do not accept postdated payments. In addition, please allow for mailing time when payments are sent via postal mail. Our records do not indicate that you were advised to place a "Stop Payment" on any payment that you have sent to our office. Please only send checks at the time you are wanting them to be processed with your bank.
In regard to the resubmission of the payment to your banking institution, please understand that all payments, whether personal checks, electronic payments or checks by phone *** be submitted more than once to a customer's banking institution. A returned payment fee *** be assessed to the account as provided for and in an amount consistent with the contract and applicable state and federal laws. If the payment is returned a second time from the customer's banking institution, the payment is then reversed from the account and the customer will need to submit a replacement payment.
In reference to the due date for the account, please contact our Customer Service Department to have the due date changed and for any other available payment assistance that will help in bringing the account to a current status.
Enclosed is a copy of the Contract and Payment History.
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.
Enclosures
I call them up a few times about payments explained to their clerks about my payments that I can only make them on personal checks once a month each and every month on the 3rd of that month and whatvtheir tring to do is cash it the check as many time as they can I had to put a stop which cost me money ,surcharges and in suffient fund ,ect. apparently they don't care they tell me they haven't received the check yetthe first thing I see is their tring to cash it,plus what ever I send them,to make the payments ahead of thethig.
Product_Or_Service: 2015chevy
Explanation of Charges cash one check at a time ea. month ,till I can afford to do otherwise.
February 4, 2020
*** U. ***
69 ***
South *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account Number: *** 8104
Dear Mr.:
We have received your correspondence 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 the concerns of your concerns.
Please note that all payments are cashed when they are received and we do not accept postdated payments. In addition, please allow for mailing time when payments are sent via postal mail. Our records do not indicate that you were advised to place a "Stop Payment" on any payment that you have sent to our office. Please only send checks at the time you are wanting them to be processed with your bank.
In regard to the resubmission of the payment to your banking institution, please understand that all payments, whether personal checks, electronic payments or checks by phone *** be submitted more than once to a customer's banking institution. A returned payment fee *** be assessed to the account as provided for and in an amount consistent with the contract and applicable state and federal laws. If the payment is returned a second time from the customer's banking institution, the payment is then reversed from the account and the customer will need to submit a replacement payment.
In reference to the due date for the account, please contact our Customer Service Department to have the due date changed and for any other available payment assistance that will help in bringing the account to a current status.
Enclosed is a copy of the Contract and Payment History.
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.
Enclosures
Restriction of Gap payment to Credit Bureau.
On October 10th 2019 my Gap insurance forwarded $4004.00 to Santander. On that day Santander put a restriction on my payment from being reported to the Credit Bureaus.
To report to credit bureaus,the $4004.00 receive on October 10th 2019.
February 3, 2020
***
XXXXX *** Blvd. Space
Yucaipa, CA 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.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on April 9, 2017 in connection with the purchase of a 2017 Toyota Corolla (Vehicle). The amount financed was $21,793.65 at an annual percentage rate of 21.43%. The payment schedule called for 72 monthly payments of $545.06 each, with the first payment due on April 30, 2017. The Contract was assigned to Santander.
Our records indicate that the Vehicle associated with the account was deemed a total loss on or about July 29, 2019. On that date, the outstanding principal balance on the account was $17,420.31, which did not include outstanding interest or fees owed, if any.
The enclosed payment history reflects that a total loss payment in the amount of $12,992.31, posted to the account on September 10, 2019, with an effective date of July 29, 2019, the date of total loss. This total loss payment brought the account current and reduced the remaining principal balance to $4,688.95.
Our records indicate that we mailed you a Re-Amortization Letter dated September 11, 2019, which stated that the insurance payment did not pay off the account; however, the payment paid outstanding fees and brought the account current. The account was then re-amortized at the contract interest rate over the remaining term of the account to arrive at a new monthly payment amount of $163.31, beginning September 24, 2019 and each month thereafter until October 16, 2020.
On October 9, 2019, a Guaranteed Asset Protection Insurance (GAP) payment in the amount of $4,077.21 posted to the account and reduced the remaining principal balance to $611.74. Our records indicate no further payments were received on the account after October 9, 2019.
Please be advised that it is the customer's responsibility to continue to make payments on the account until all insurance proceeds are received and the account reflects a zero balance. Non-payment of the outstanding balance may result in negative credit reporting.
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 differences 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.
We apologize that the account was not reporting the GAP payment. After a review of the information provided, on January 20, 2020 we requested an update to report the account as Open, 60 days past due with a balance of $860.00 (amount reported includes principal balance, accrued interest and fees, if any). As of the date of this response, the account is 102 days past due.
We respectfully decline to make any further changes to the information reported on the account.
Enclosed is a copy of the Contract, Re-amortization Letter and Payment History.
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.***.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I have been making payment and more to take care the difference. They seem dont care. I'm not the only customer have this problem.
May 2015 when I got it. 2012 Nissan Rogue. 460.86 a month plus 200.00 or more to pay the late charge etc. Account # XXXXXXX. For 81 months.
I want my car back. Start fresh or let pay the whatever the charges was for beside my car payment. I will continue my monthly payment til paid in full. Not til I have the car back.Plus I didnt know the account was close as of Sept. 2019 til Oct 2019. I still made payments.
February 4, 2020
***
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***8167
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that on May 28, 2015, you entered into a Retail Installment Sale Contract (Contract), with Everett Nissan of Boone LLC (Dealership), in connection with the purchase of a 2012 Nissan Rogue (Vehicle). The amount financed was $19,084.09 at an APR of 20.00%. The payment schedule called for 72 monthly payments of $460.86 each, with the first payment due on July 12, 2015. The Contract was assigned to Santander.
A review of the account indicates that the Vehicle associated with the account was repossessed on January 17, 2020 when the account was 158 days past due. Prior to the repossession, we mailed you a letter titled, "Notice of Right to Cure" dated August 27, 2019 notifying you the account was in default. After the repossession, we mailed you a letter titled, "Notice of our Plan to Sell Property" (NOI) dated January 17, 2020, explaining we would sell the Vehicle after January 31, 2020 but also provided you with the opportunity to reinstate the account and redeem the Vehicle.
Following the repossession, you were provided with a redemption quote in the amount of $16,704.50. Please note that this is the amount you would need to pay in order to redeem the Vehicle. Please contact the Reinstatements Department at the telephone number below for assistance in redeeming the Vehicle. At this time, the sale of the Vehicle has been placed on hold until February 12, 2020 in order to provide you with additional time. If the Vehicle is not redeemed, it will be sold after February 12, 2020.
After a review of the account, we have determined that the reduction of the principal balance is accurate. In the agreed upon auto finance Contract, it shows that the account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes the customer will make their payment on the regularly scheduled payment due date.
The amount of interest accrued can vary based on the amount of the principal balance and the number of days between payments. When payments are received, the accrued interest must be satisfied first, then the remainder of the payment is applied toward principal balance and/or fees owed on the account.
Over the life of the account you requested and were granted 8 monthly payment extensions. In addition, 32 payments were not received within 10 days of the scheduled due date, causing late fees to be assessed to the account. The enclosed payment history shows that in some months no payment was received or the amount received was less than the contracted monthly payment amount.
Please note that interest does not stop accruing when there has been payment assistance granted on the account or when payments are late or not received. There is no grace period for the accrual of interest.
Due to the payment assistance and payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been received according to the contracted payment schedule, the principal balance would be less.
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.
A review of the information provided to the credit reporting agencies shows that the account last reported on December 31, 2019 as Unpaid/Charged Off with a balance of $16,465.00.
Regarding your concerns that the account is closed, please note that the account charged off on September 30, 2019 after the account became over 120 days past due but the account is not "closed". Please be advised that a Charge Off will continue to be reported, even if the balance is settled for less than the full amount, the account is paid in full or until the time limit for reporting has been reached.
We respectfully decline your request to start fresh or pay the past due balance as the amount quoted to redeem the Vehicle remains at $16,704.50. Enclosed are account documents.
We hope that this information has addressed all of your concerns. If you need further assistance, you may contact us directly at 1(888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Notice of Right to Cure
Notice of Our Plan to Sell Property
Restriction of Gap payment to Credit Bureau.
On October 10th 2019 my Gap insurance forwarded $4004.00 to Santander. On that day Santander put a restriction on my payment from being reported to the Credit Bureaus.
To report to credit bureaus,the $4004.00 receive on October 10th 2019.
February 3, 2020
***
XXXXX *** Blvd. Space
Yucaipa, CA 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.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on April 9, 2017 in connection with the purchase of a 2017 Toyota Corolla (Vehicle). The amount financed was $21,793.65 at an annual percentage rate of 21.43%. The payment schedule called for 72 monthly payments of $545.06 each, with the first payment due on April 30, 2017. The Contract was assigned to Santander.
Our records indicate that the Vehicle associated with the account was deemed a total loss on or about July 29, 2019. On that date, the outstanding principal balance on the account was $17,420.31, which did not include outstanding interest or fees owed, if any.
The enclosed payment history reflects that a total loss payment in the amount of $12,992.31, posted to the account on September 10, 2019, with an effective date of July 29, 2019, the date of total loss. This total loss payment brought the account current and reduced the remaining principal balance to $4,688.95.
Our records indicate that we mailed you a Re-Amortization Letter dated September 11, 2019, which stated that the insurance payment did not pay off the account; however, the payment paid outstanding fees and brought the account current. The account was then re-amortized at the contract interest rate over the remaining term of the account to arrive at a new monthly payment amount of $163.31, beginning September 24, 2019 and each month thereafter until October 16, 2020.
On October 9, 2019, a Guaranteed Asset Protection Insurance (GAP) payment in the amount of $4,077.21 posted to the account and reduced the remaining principal balance to $611.74. Our records indicate no further payments were received on the account after October 9, 2019.
Please be advised that it is the customer's responsibility to continue to make payments on the account until all insurance proceeds are received and the account reflects a zero balance. Non-payment of the outstanding balance may result in negative credit reporting.
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 differences 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.
We apologize that the account was not reporting the GAP payment. After a review of the information provided, on January 20, 2020 we requested an update to report the account as Open, 60 days past due with a balance of $860.00 (amount reported includes principal balance, accrued interest and fees, if any). As of the date of this response, the account is 102 days past due.
We respectfully decline to make any further changes to the information reported on the account.
Enclosed is a copy of the Contract, Re-amortization Letter and Payment History.
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.***.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I have been making payment and more to take care the difference. They seem dont care. I'm not the only customer have this problem.
May 2015 when I got it. 2012 Nissan Rogue. 460.86 a month plus 200.00 or more to pay the late charge etc. Account # XXXXXXX. For 81 months.
I want my car back. Start fresh or let pay the whatever the charges was for beside my car payment. I will continue my monthly payment til paid in full. Not til I have the car back.Plus I didnt know the account was close as of Sept. 2019 til Oct 2019. I still made payments.
February 4, 2020
***
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***8167
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that on May 28, 2015, you entered into a Retail Installment Sale Contract (Contract), with Everett Nissan of Boone LLC (Dealership), in connection with the purchase of a 2012 Nissan Rogue (Vehicle). The amount financed was $19,084.09 at an APR of 20.00%. The payment schedule called for 72 monthly payments of $460.86 each, with the first payment due on July 12, 2015. The Contract was assigned to Santander.
A review of the account indicates that the Vehicle associated with the account was repossessed on January 17, 2020 when the account was 158 days past due. Prior to the repossession, we mailed you a letter titled, "Notice of Right to Cure" dated August 27, 2019 notifying you the account was in default. After the repossession, we mailed you a letter titled, "Notice of our Plan to Sell Property" (NOI) dated January 17, 2020, explaining we would sell the Vehicle after January 31, 2020 but also provided you with the opportunity to reinstate the account and redeem the Vehicle.
Following the repossession, you were provided with a redemption quote in the amount of $16,704.50. Please note that this is the amount you would need to pay in order to redeem the Vehicle. Please contact the Reinstatements Department at the telephone number below for assistance in redeeming the Vehicle. At this time, the sale of the Vehicle has been placed on hold until February 12, 2020 in order to provide you with additional time. If the Vehicle is not redeemed, it will be sold after February 12, 2020.
After a review of the account, we have determined that the reduction of the principal balance is accurate. In the agreed upon auto finance Contract, it shows that the account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes the customer will make their payment on the regularly scheduled payment due date.
The amount of interest accrued can vary based on the amount of the principal balance and the number of days between payments. When payments are received, the accrued interest must be satisfied first, then the remainder of the payment is applied toward principal balance and/or fees owed on the account.
Over the life of the account you requested and were granted 8 monthly payment extensions. In addition, 32 payments were not received within 10 days of the scheduled due date, causing late fees to be assessed to the account. The enclosed payment history shows that in some months no payment was received or the amount received was less than the contracted monthly payment amount.
Please note that interest does not stop accruing when there has been payment assistance granted on the account or when payments are late or not received. There is no grace period for the accrual of interest.
Due to the payment assistance and payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been received according to the contracted payment schedule, the principal balance would be less.
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.
A review of the information provided to the credit reporting agencies shows that the account last reported on December 31, 2019 as Unpaid/Charged Off with a balance of $16,465.00.
Regarding your concerns that the account is closed, please note that the account charged off on September 30, 2019 after the account became over 120 days past due but the account is not "closed". Please be advised that a Charge Off will continue to be reported, even if the balance is settled for less than the full amount, the account is paid in full or until the time limit for reporting has been reached.
We respectfully decline your request to start fresh or pay the past due balance as the amount quoted to redeem the Vehicle remains at $16,704.50. Enclosed are account documents.
We hope that this information has addressed all of your concerns. If you need further assistance, you may contact us directly at 1(888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Notice of Right to Cure
Notice of Our Plan to Sell Property
I sent a check to sandtader to payoff my SUV nissa rogue in Dec of 2019 they CAsh my check of 1539.00 on Dec 16 19 as is today Jan 16 they are giving me the run around havnt put it toward my SUV pay off acct numberXXXXXXX can u please help me to find what's going on and why they are not putting it toward my payoff amt *** L
Billing Adjustment Them to put my check*** amt 1539.00 toward my payoff
January 31, 2020
***
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret any inconvenience and misunderstanding that you may have experienced in attempting to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Please be advised that we received a check dated December 11, 2019. Our records indicate that $15.39.13 was written in the amount box. Unfortunately, this resulted in posting the check for an amount of $1,539.13. Please note that we are currently working on a resolution to this matter and we have submitted a request for credit on the remaining balance from the financial institution. Please allow additional time for the correction to be completed.
We apologize again for any inconvenience. Thank you for again for allowing us the opportunity to address your concerns. If further assistance is needed, you may contact us directly at X(XXX) XXX.***.
Sincerely,
SANTANDER CONSUMER USA INC.
I sent a check to sandtader to payoff my SUV nissa rogue in Dec of 2019 they CAsh my check of 1539.00 on Dec 16 19 as is today Jan 16 they are giving me the run around havnt put it toward my SUV pay off acct numberXXXXXXX can u please help me to find what's going on and why they are not putting it toward my payoff amt *** L
Billing Adjustment Them to put my check*** amt 1539.00 toward my payoff
January 31, 2020
***
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret any inconvenience and misunderstanding that you may have experienced in attempting to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Please be advised that we received a check dated December 11, 2019. Our records indicate that $15.39.13 was written in the amount box. Unfortunately, this resulted in posting the check for an amount of $1,539.13. Please note that we are currently working on a resolution to this matter and we have submitted a request for credit on the remaining balance from the financial institution. Please allow additional time for the correction to be completed.
We apologize again for any inconvenience. Thank you for again for allowing us the opportunity to address your concerns. If further assistance is needed, you may contact us directly at X(XXX) XXX.***.
Sincerely,
SANTANDER CONSUMER USA INC.
This bank is so unfair. I co-signed for a loan and was never notified once that my son had fallen behind on payments. Then after paying the loan off in full I find a late payment on my credit report for a bill from them that I never was mailed to. It's a repo charge? I've never heard of such a thing. Beware if you take a loan out with this bank. They don't care about any of their customers
This bank is so unfair. I co-signed for a loan and was never notified once that my son had fallen behind on payments. Then after paying the loan off in full I find a late payment on my credit report for a bill from them that I never was mailed to. It's a repo charge? I've never heard of such a thing. Beware if you take a loan out with this bank. They don't care about any of their customers
General Account InfoReport Number: XXXX-XXXX-XX Date Generated: Jan 13, 2020Account Name SANTANDER/CHRYSLER CAPAccount Number XXXXXXXXXXXXXXXXXAccount Type Auto LoanResponsibility IndividualDate Opened 03/16/2015Status Account charged off. $8,058 written off. $8,984 past due as of Dec 2019.Status Updated 12/31/2019
Other (requires explanation) This is not my item I Please Help Remove it from my credit
January 27, 2020
***
***
*** XXXXX
Re: Revdex.com Case #: XXXXXXXX
Chrysler Capital Account No.: 2261
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.
In reference to your statement that the account is not yours, our records indicate that an Identity Theft Packet request was initiated was returned by you on January 10, 2020. At this time, this matter is under review by our Fraud Risk Department under Case #XXXXX. You will receive a response from our Fraud Risk Department once their review has been completed.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. 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, Chrysler Capital 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 Chrysler Capital's objective to protect its customers from unfair debt collection acts.
A review of the information provided to the credit reporting agencies shows that on December 31, 2019 we advised the agencies that the account was Unpaid Charge-off with a balance of $8,984.00. Our records indicate the account Charged Off on January 31, 2017 when the account became over 120 days past due.
We respectfully decline to make any changes to the information reported on the account until a decision is made by the Fraud Risk Department.
Enclosed are copies of contract and payment history on the account.
If you have any further questions, please contact our Fraud Risk Department directly at 1 (855) 541-7716.
Sincerely,
CHRYSLER CAPITAL
Enclosures
Santander Auto pulled my credit from an authorization that Toyota of Cool Springs sent in. I did not authorize the dealership to send a request.
Santander Auto pulled my credit from an authorization that Toyota of Cool Springs sent in. I did not authorize the dealership to send a request to Santander Auto to run my credit. Santander Auto does not have any documentation from me that I authorized them to run my credit. I need this credit pull removed from my credit reports immediately.
I need the credit pull from Santander Auto removed from my credit reports immediately as I did not give them permission to pull my credit.
January 22, 2020
***
*** XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns.
Regarding the credit inquiry conducted by Santander Consumer USA Inc. (Santander), we have reviewed our records and found that one (1) application for credit in your name was submitted to Santander. The details and results of the application is as follows:
Application ID No.: ***3015
Date of Inquiry: November 23, 2019
Submitted By: Toyota Scion of Cool Springs. (Dealership)
Application Status: Approved by Santander
By receiving the application for credit, we had permissible purpose to review the credit history through a credit bureau inquiry to determine whether to approve or decline the request for financing. Although the application was approved, an account was not opened in your name.
Additionally, any time credit history is checked, the inquiry will be reflected on the applicant's credit report. Santander is obligated to report any and all applications for credit to the credit reporting agencies.
We respectfully decline your request to remove the information reported to the credit reporting agencies at this time, as we have confirmed the information reported accurately matches our records.
If you feel that this information is in error, we respectfully recommend that you contact the credit reporting agencies or the Dealership directly.
Thank you for the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
Hello,
I have reviewed the offer and/or response made by the business in reference to complaint ID XXXXXXXX, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Although I filled out a credit application at the dealership I did not authorize them to send my credit information to more than just there dealership. The dealership decided without my permission to send my credit information to 5 additional companies without my consent. I have purchased cars for over 30 years and this is the first and only time my credit has been pulled more than once at a dealership when applying for a car. I respectfully request that the credit pull that your company did on the dealerships behalf and not mine be removed from my credit report. This dealership has complaints about this happening to other customers and Toyota Corporate had been made aware of this as well. The dealership is very unresponsive and refuses to do anything about this, even though they have acknowledged that tiere employees did not follow procedures and did this without my consent or communication to me.
Regards
January 31, 2020
***
*** XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com). Thank you for allowing us the continued opportunity to address your additional concerns.
We regret to learn that you did not accept our response to your complaint and that you remain dissatisfied, however, as stated previously any time credit history is checked the inquiry will be indicated on the applicant's credit report. Please note, Santander is obligated to report any and all applications for credit to the credit reporting agencies.
We respectfully decline your request to remove the information reported to the credit reporting agencies as we have confirmed the information reported accurately matches our records.
If you feel that this information is in error, we respectfully recommend that you contact the credit reporting agencies or the dealership directly.
Thank you again for allowing us the opportunity to address your additional concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
THIS COMPANY REFUSES TO FOLLOW THE FRCA AND CFPB LAWS CONCERNING THE STATUTE OF LIMITATIONS. THIS COMPANY CONTINUES TO REPORT THIS ACCOUNT ON MY CREDIT REPORTS EVEN THOUGH IT IS EXPIRED BY LAW. I HAVE TRIED TO REACH OUT TO THEM SEVERAL TIMES. THEY CONTINUE TO PURPOSELY MISUNDERSTAND MY REQUEST. I DO NOT WANT A REPORT ON THE BALANCE. I WANT YOU TO PROVIDE THE FIRST DATE OF DELINQUENCY. THAT IS WHAT TEXAS USES AS THEIR POINT OF REFERENCE ON THE STATUTE OF LIMITATIONS.
Other (requires explanation) I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AND PERMANENTLY.
January 21, 2020
*** M ***
*** Ln ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We are in receipt of your complaint submitted with the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
After a review of the information provided in the complaint, we were unable to substantiate your statement that Santander refuses to follow Fair Credit Reporting Act (FCRA) laws and we found no evidence that Santander violated any FCRA laws in the origination or servicing of your account. Additionally, we did receive a similar complaint submitted through the Consumer Financial Protection Bureau (CFPB) to which a response was provided through the CFPB.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
Our records indicate the date of first delinquency was on October 17, 2013. Your account may be deleted by the credit reporting agencies after October 17, 2020, which is 7 years from the above mentioned date of first delinquency. Please note, 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.
A review of the information provided to the credit reporting agencies shows that on December 6, 2019 we advised the agencies that the account was Unpaid/Charged Off as October 31, 2019 with a balance of $12,313.00. Our records indicate your account Charged Off on January 31, 2014 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.
Although we empathize with your situation, we respectfully decline your request to remove the account from your credit report or make any changes to the information reported to the credit reporting agencies as the information reported matches our records.
We apologize if you feel you have been treated unfairly and for any inconvenience. We hope that the explanation provided above is satisfactory to you. 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.)
You and I both know that the first date of delinquency is not defined as you put it. Your dates are also wrong! The car was repossessed well befor that date. Why would your company repossess a car In current status. Please do the honest thing because you guys are giving me written documentation of your illegal actions of violating my rights.
February 6, 2020
*** M ***
*** Ln ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We are in receipt of your additional complaint submitted with 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 additional concerns.
We regret to learn that you remain dissatisfied and did not accept our previous 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 a review of the information provided in your complaint, we were unable to substantiate your statement regarding illegal actions and violations of your rights by Santander and we were not provided any evidence that Santander violated Fair Lending laws in the origination or servicing of your account.
Our records show a letter titled "Notice of Right to Cure Default and Requirement of Strict Compliance" (RTC) dated November 7, 2013 was mailed to you at the address on file, stating that the account was in default and if not cured by November 20, 2013 we would take possession of the vehicle associated with the above reference account.
Our records further show the vehicle associated with the above referenced account was repossessed on December 11, 2013 when the account became 85 days past due. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated December 12, 2013, was mailed to you at the address on file, explaining that the vehicle would be sold sometime after December 25, 2013, but also gave you the opportunity to redeem the vehicle.
The vehicle was not redeemed and was sold at auction to the highest bidder and for the best market price available on January 16, 2014 in the amount of $4,100.00. Subsequently, a letter titled, "Explanation of Calculation of Surplus or Deficiency" (Deficiency Letter) was mailed to address of record, dated January 26, 2014 which advised that there was a remaining balance owed on the account.
As stated previously, the date of first delinquency was on October 17, 2013. Your account *** be deleted by the credit reporting agencies after October 17, 2020, which is 7 years from the above mentioned date of first delinquency. Please note, 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.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It 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 customer from unfair debt collection acts.
A review of the information provided to the credit reporting agencies shows that on December 6, 2019 we advised the agencies that the account was Unpaid/Charged Off with a balance of $12,313.00. Please note, the account Charged Off on January 31, 2014 when the account became 120 days past due.
Although we empathize with your situation, we respectfully decline your request to remove the account from your credit report or make any changes to the information reported to the credit reporting agencies as the information reported matches our records.
We have enclosed copies of account related documents.
We apologize if you feel you have been treated unfairly and for any inconvenience. If further assistance is needed, please contact us directly at 1(888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Retail Installment Contract
Payment History
NOI
RTC
Deficiency Letter
Santander Auto pulled my credit from an authorization that Toyota of Cool Springs sent in. I did not authorize the dealership to send a request.
Santander Auto pulled my credit from an authorization that Toyota of Cool Springs sent in. I did not authorize the dealership to send a request to Santander Auto to run my credit. Santander Auto does not have any documentation from me that I authorized them to run my credit. I need this credit pull removed from my credit reports immediately.
I need the credit pull from Santander Auto removed from my credit reports immediately as I did not give them permission to pull my credit.
January 22, 2020
***
*** XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns.
Regarding the credit inquiry conducted by Santander Consumer USA Inc. (Santander), we have reviewed our records and found that one (1) application for credit in your name was submitted to Santander. The details and results of the application is as follows:
Application ID No.: ***3015
Date of Inquiry: November 23, 2019
Submitted By: Toyota Scion of Cool Springs. (Dealership)
Application Status: Approved by Santander
By receiving the application for credit, we had permissible purpose to review the credit history through a credit bureau inquiry to determine whether to approve or decline the request for financing. Although the application was approved, an account was not opened in your name.
Additionally, any time credit history is checked, the inquiry will be reflected on the applicant's credit report. Santander is obligated to report any and all applications for credit to the credit reporting agencies.
We respectfully decline your request to remove the information reported to the credit reporting agencies at this time, as we have confirmed the information reported accurately matches our records.
If you feel that this information is in error, we respectfully recommend that you contact the credit reporting agencies or the Dealership directly.
Thank you for the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she DID NOT accept the response from the business.)
Hello,
I have reviewed the offer and/or response made by the business in reference to complaint ID XXXXXXXX, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Although I filled out a credit application at the dealership I did not authorize them to send my credit information to more than just there dealership. The dealership decided without my permission to send my credit information to 5 additional companies without my consent. I have purchased cars for over 30 years and this is the first and only time my credit has been pulled more than once at a dealership when applying for a car. I respectfully request that the credit pull that your company did on the dealerships behalf and not mine be removed from my credit report. This dealership has complaints about this happening to other customers and Toyota Corporate had been made aware of this as well. The dealership is very unresponsive and refuses to do anything about this, even though they have acknowledged that tiere employees did not follow procedures and did this without my consent or communication to me.
Regards
January 31, 2020
***
*** XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com). Thank you for allowing us the continued opportunity to address your additional concerns.
We regret to learn that you did not accept our response to your complaint and that you remain dissatisfied, however, as stated previously any time credit history is checked the inquiry will be indicated on the applicant's credit report. Please note, Santander is obligated to report any and all applications for credit to the credit reporting agencies.
We respectfully decline your request to remove the information reported to the credit reporting agencies as we have confirmed the information reported accurately matches our records.
If you feel that this information is in error, we respectfully recommend that you contact the credit reporting agencies or the dealership directly.
Thank you again for allowing us the opportunity to address your additional concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
General Account InfoReport Number: XXXX-XXXX-XX Date Generated: Jan 13, 2020Account Name SANTANDER/CHRYSLER CAPAccount Number XXXXXXXXXXXXXXXXXAccount Type Auto LoanResponsibility IndividualDate Opened 03/16/2015Status Account charged off. $8,058 written off. $8,984 past due as of Dec 2019.Status Updated 12/31/2019
Other (requires explanation) This is not my item I Please Help Remove it from my credit
January 27, 2020
***
***
*** XXXXX
Re: Revdex.com Case #: XXXXXXXX
Chrysler Capital Account No.: 2261
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.
In reference to your statement that the account is not yours, our records indicate that an Identity Theft Packet request was initiated was returned by you on January 10, 2020. At this time, this matter is under review by our Fraud Risk Department under Case #XXXXX. You will receive a response from our Fraud Risk Department once their review has been completed.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. 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, Chrysler Capital 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 Chrysler Capital's objective to protect its customers from unfair debt collection acts.
A review of the information provided to the credit reporting agencies shows that on December 31, 2019 we advised the agencies that the account was Unpaid Charge-off with a balance of $8,984.00. Our records indicate the account Charged Off on January 31, 2017 when the account became over 120 days past due.
We respectfully decline to make any changes to the information reported on the account until a decision is made by the Fraud Risk Department.
Enclosed are copies of contract and payment history on the account.
If you have any further questions, please contact our Fraud Risk Department directly at 1 (855) 541-7716.
Sincerely,
CHRYSLER CAPITAL
Enclosures
THIS COMPANY REFUSES TO FOLLOW THE FRCA AND CFPB LAWS CONCERNING THE STATUTE OF LIMITATIONS. THIS COMPANY CONTINUES TO REPORT THIS ACCOUNT ON MY CREDIT REPORTS EVEN THOUGH IT IS EXPIRED BY LAW. I HAVE TRIED TO REACH OUT TO THEM SEVERAL TIMES. THEY CONTINUE TO PURPOSELY MISUNDERSTAND MY REQUEST. I DO NOT WANT A REPORT ON THE BALANCE. I WANT YOU TO PROVIDE THE FIRST DATE OF DELINQUENCY. THAT IS WHAT TEXAS USES AS THEIR POINT OF REFERENCE ON THE STATUTE OF LIMITATIONS.
Other (requires explanation) I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AND PERMANENTLY.
January 21, 2020
*** M ***
*** Ln ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We are in receipt of your complaint submitted with the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
After a review of the information provided in the complaint, we were unable to substantiate your statement that Santander refuses to follow Fair Credit Reporting Act (FCRA) laws and we found no evidence that Santander violated any FCRA laws in the origination or servicing of your account. Additionally, we did receive a similar complaint submitted through the Consumer Financial Protection Bureau (CFPB) to which a response was provided through the CFPB.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
Our records indicate the date of first delinquency was on October 17, 2013. Your account may be deleted by the credit reporting agencies after October 17, 2020, which is 7 years from the above mentioned date of first delinquency. Please note, 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.
A review of the information provided to the credit reporting agencies shows that on December 6, 2019 we advised the agencies that the account was Unpaid/Charged Off as October 31, 2019 with a balance of $12,313.00. Our records indicate your account Charged Off on January 31, 2014 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.
Although we empathize with your situation, we respectfully decline your request to remove the account from your credit report or make any changes to the information reported to the credit reporting agencies as the information reported matches our records.
We apologize if you feel you have been treated unfairly and for any inconvenience. We hope that the explanation provided above is satisfactory to you. 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.)
You and I both know that the first date of delinquency is not defined as you put it. Your dates are also wrong! The car was repossessed well befor that date. Why would your company repossess a car In current status. Please do the honest thing because you guys are giving me written documentation of your illegal actions of violating my rights.
February 6, 2020
*** M ***
*** Ln ***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We are in receipt of your additional complaint submitted with 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 additional concerns.
We regret to learn that you remain dissatisfied and did not accept our previous 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 a review of the information provided in your complaint, we were unable to substantiate your statement regarding illegal actions and violations of your rights by Santander and we were not provided any evidence that Santander violated Fair Lending laws in the origination or servicing of your account.
Our records show a letter titled "Notice of Right to Cure Default and Requirement of Strict Compliance" (RTC) dated November 7, 2013 was mailed to you at the address on file, stating that the account was in default and if not cured by November 20, 2013 we would take possession of the vehicle associated with the above reference account.
Our records further show the vehicle associated with the above referenced account was repossessed on December 11, 2013 when the account became 85 days past due. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated December 12, 2013, was mailed to you at the address on file, explaining that the vehicle would be sold sometime after December 25, 2013, but also gave you the opportunity to redeem the vehicle.
The vehicle was not redeemed and was sold at auction to the highest bidder and for the best market price available on January 16, 2014 in the amount of $4,100.00. Subsequently, a letter titled, "Explanation of Calculation of Surplus or Deficiency" (Deficiency Letter) was mailed to address of record, dated January 26, 2014 which advised that there was a remaining balance owed on the account.
As stated previously, the date of first delinquency was on October 17, 2013. Your account *** be deleted by the credit reporting agencies after October 17, 2020, which is 7 years from the above mentioned date of first delinquency. Please note, 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.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It 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 customer from unfair debt collection acts.
A review of the information provided to the credit reporting agencies shows that on December 6, 2019 we advised the agencies that the account was Unpaid/Charged Off with a balance of $12,313.00. Please note, the account Charged Off on January 31, 2014 when the account became 120 days past due.
Although we empathize with your situation, we respectfully decline your request to remove the account from your credit report or make any changes to the information reported to the credit reporting agencies as the information reported matches our records.
We have enclosed copies of account related documents.
We apologize if you feel you have been treated unfairly and for any inconvenience. If further assistance is needed, please contact us directly at 1(888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Retail Installment Contract
Payment History
NOI
RTC
Deficiency Letter
Car was 23,000$ payment of 21,000$ had been made. Bank says customer owes 18,000$ due to a few late payments. Fraud and abuse of consumer.
Acct# XXXXXXX....2015 Chevy Camaro was purchased 3 years ago for 23,000$. The car dealership and bank are committing fraud. Consumer paid 21,000$ on the car in the last 3 years and a couple of late payments. The bank now says Consumer owe 18,000$. The bank has been in business for around 10 years and committing fraud and abuse of consumer. They said the amount to be paid on the car is 43,000$ which is way more then blue book and that the 21,000$ payments made over the last 3 years do not count. Investigation is required and please do not say it's fair because it's not. This is fraud and abuse of the American people by these new banks.
Seeking a major billing adjustment or half refund amount that was paid on this car. This matter is serious and how many other people have this company frauds.
January 21, 2020
***
***
*** XXXXX
RE: Revdex.com Case Number: XXXXXXXX
Santander Consumer USA Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records show that on September 12, 2016, you entered into a Motor Vehicle Retail Installment Sale Contract (Contract) with Hope Auto Chevrolet Buick GMC (Dealership), in connection with the purchase of a 2013 Chevrolet Camaro (Vehicle). The amount financed was $23,710.00 at annual percentage rate (APR) of 19.53%. The payment schedule called for 72 monthly payments in the amount of $565.98 each, beginning on October 27, 2016. This Contract was assigned to Santander.
Please note, we mailed you an Interest Rate Change Letter dated September 23, 2016, and advised that your APR was lowered to 19.45% and the monthly payment was lowered to $564.95.
The approval of an assignment of any contract, including yours, is based on the information provided to us by the customer and the Dealership. The sales price and financing terms were negotiated between the customer and with the Dealership, not Santander.
In regard to the total amount paid to be paid on Vehicle, 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 $17,040.56, plus the "Amount Financed" of $23,710.00, equals the amount paid under "Total of Payments", which is $40,750.56. This is the amount you would have paid if all payments had been made according to the 72 month payment schedule set forth in the Contract.
After a review of the account, we have determined that the reduction of the principal balance is accurate. In the agreed upon auto finance contract, it shows that the account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes the customer will make their payment on their regularly scheduled payment due date.
When a payment is received, the accrued interest must be satisfied first, and the remainder of the payment is applied toward principal and/or fees owed on the account. The amount of interest accrued can vary based on the amount of the principal balance and the number of days between payments.
Over the life of the account you requested, and were granted, 2 monthly extensions and a due date change. Some payments were received more than 10 days late, causing late fees to be assessed, and in some months a payment was not received. Additionally, we have received 3 payments for less than the contracted monthly payment amount, and 3 payments were returned by your financial institution for an "Invalid Account".
Please note that interest does not stop accruing when assistance is granted or when payments are received late or not received. There is no grace period for the accrual of interest. If payments had been received according to the 72 month payment schedule, the principal balance would be less.
After a review of the information provided in your complaint, we were unable to confirm your statement that you were treated unfairly and found no evidence that Santander violated Fair Lending laws in the origination or servicing of your account. Additionally, we were not provided any evidence that you were discriminated against or treated different than other customers based on any protected classification.
Please note, if you are looking to have the interest rate or payments lowered, you *** be able to do so by seeking alternative financing with another lending institution of your choice. Santander does not currently offer its customers the opportunity to refinance.
We respectfully decline your request for a refund or for an adjustment to the account balance.
Enclosed is a copy of your Contract, Payment History, Extension Agreement, and Interest Rate Change Letter for your review.
Thank you for again for allowing us 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
The check was received for payoff with a tracking confirmation by ther but they have not processed payment and my account is still accruing interest.
I have spoke to many people in the executive office and I have been getting the runaround. Point of contacts Chrysler Executive office (Eric ***)
Clint Shaw
729.6 dec 9th
*12/6/20 Vanessa *** Chrysler Executive office
***@santanderconsumerusa.com
*Jason *** (specialist) 12/7/20
Alana XXXXX X/ 13/ 20 she is forwarding information to executive office.
Persefani XXXXXX @ Executive office
Payoff complete as of 1/13/20
January 21, 2020
***
***
*** XXXXX
RE: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret to hear you experienced issues while attempting to pay off your account. Our customer's concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
We have confirmed that you have spoken with our Executive Office on multiple occasions and apologize that there was a delay in receiving funds to pay off your account.
After a review of the Payment History, we show that Stericycle sent a check in the amount of $33,037.20 along with a letter dated January 10, 2020. The check posted to your account on January 13, 2020. Unfortunately, the amount received from Stericycle was not enough to pay off the account in full and until the account is paid in full, the interest will continue to accrue.
We respectfully decline your request to consider the account as paid in full with a date of January 13, 2020, as the account has a remaining balance. Enclosed is a payoff letter with the remaining balance owed.
Enclosed is a copy of the Payment History and Payoff letter.
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
Enclosures
I recently had my car in repo and paid $1400$ something to retrieve. August of 2019. I spoke with clerk and made sure that there are no other fees.
In August 2019 I 0aid 1490 something to retrieve car and made sure no other fees. Clerk said no fees. Once you pay repo (with fees) than I have monthly of 313$ a month. I've been a week or 2 late on monthly payment. Getting calls now saying I owe $700 in repo fees and late fees. That's crazy! I don't get charged $200 for a week late or repo. That's paid. Now they call and added fees that are outrageous and won't work with me.I feel they are causing me to lose my car and I'm working hard to pay it off. Now I'm harrassed and vehicle threatened for repo again. This is bad business and just refers me to others. Almost gave me a breakdown and heart issues. Santander is ripping me off and falsely adding fees after retaining vehicle
I would like them to remove the 700$ fee charges and clear my credit
January 23, 2020
***
*** Dr. ***
*** HI 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.
In reference to being harassed, we apologize if you feel that you have been treated in an unprofessional manner. Our customer's concerns and experiences are of the utmost importance to us. We contact our customers in an effort to keep their account in good standing. Please note that your account is not currently assigned for repossession. Additionally, we were unable to substantiate your statement of being threatened of repossession with the information provided in your complaint.
Our records show that the vehicle associated with the above referenced account was repossessed on July 8, 2019 when the account was 107 days past due. Additionally, our records show that you contacted our office on July 9, 2019 and were advised to pay the reinstatement amount of $1,448.45 for past due payments, late fees and partial repossession fees. At that time, you were advised that the remaining repossession fees would be billed back to your account to be paid at a later date. Your account was reinstated on July 9, 2019 with a payment of $1,448.45, and your vehicle was redeemed on July 10, 2019.
Please note that the reinstatement amount of $1,448.45 included $1,131.68 past due payments owed, $131.77 late fees owed and $185.00 partial repossession fee owed. As previously stated, the remaining repossession fees and lot fees were billed back to your account to be paid at a later date.
Our records further show that repossession fees in the amount of $765.00 were assessed to your account on July 22, 2019 and the redemption fee of $125.00 was assessed to your account on August 13, 2019 for a total of $890.00. Partial repossession fees in the amount of $185.00 were paid in your reinstatement amount of $1,448.45 on July 9, 2019, therefore a balance of $705.00 is still owed for recovery fees.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to the credit reporting agencies shows that on December 31, 2019, we advised the agencies that the account reported as Current, with prior delinquencies of 11 times 30 days late (June 2017, Feb., June - Aug., Oct. and Nov. 2018, and Feb. - April 2019) 4 times 60 days late (Sept. and Dec. 2018, Jan. and May 2019) and 1 time 90 days late (June 2019)
We respectfully decline your request to waive the remaining recovery fee on your account as the fees are valid. Additionally, we respectfully decline your request to clear your credit with the credit reporting agencies as we have confirmed that the information reported matches our records
Enclosed is a copy of the Payment History.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at 1 (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure