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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+1 (214) 237-2421 |
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www.roadloans.com
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wrong credit reporting
I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This unverified account has already been removed from one credit bureau.
Delete account from all 3 credit bureaus your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you.
November 21, 2019
***
***
*** 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 your Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn about your concerns regarding your attempts to validate a debt on your credit reports. Our customers concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate on June 28, 2017, you entered into a Retail Installment Sale Contract (Contract) in connection with the purchase of a 2012 Mercedes CLS (Vehicle). The amount financed was $29,950.00 at an annual percentage rate (APR) of 23.37%. The payment schedule called for 72 monthly payments of $784.64 each, with the first payment due on August 12, 2017. The Contract was assigned to Santander.
Regarding account verification, please note that the enclosed credit application indicates your signature in 2 separate fields.
After a review of the account, the Vehicle associated with the above referenced account was declared a total loss on or about December 4, 2018 and a claim was filed with your insurance company, Progressive Insurance.
The enclosed Payment History reflects that total loss proceeds in the amount of $21,973.36 posted to the account with an effective date of December 4, 2018. Following total loss proceeds, we received an Extended Warranty payment in the amount of $707.36, which posted to the account effective February 7, 2019.
The account was re-amortized with a new payment in the amount of $239.25 with the first payment due on January 30, 2019. Please note that the insurance proceeds did not pay off the account, therefore, the customer is responsible to continue making payments until the balance is satisfied.
Our records do not indicate that we received any direct disputes from you. However, we have received notices of indirect disputes from the credit reporting agencies in which copies were forwarded to Santander. Please note that the credit reporting agencies respond to indirect disputes.
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.
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 account, on November 13, 2019, an update was submitted to the credit reporting agencies to report the account as Charged Off with balance of $8,227.00. Please allow up to 30 days for the update to reflect on your credit reports. Our records indicate that the account began reporting as a charge off on June 30, 2019, when the account became over 120 days past due.
Please be advised that once an account has charged off, the account does not close and any existing balance remains until paid in full. We refer you to the Contract, Page 2 Section 3-B.
Further note that our Fraud Risk Department submitted an Identity Theft Victim packet (Fraud Packet) to you on October 22, 2019 and another on October 24, 2019. Our Fraud Risk Department cannot begin or fully investigate the matter until you agree to complete and return our Fraud Packet. As of the date of this correspondence, we have not received the required documents.
Once all of the requested information is received, we will review this matter further and respond accordingly. If you have any further questions, please contact our Fraud Risk Department at X (XXX) XXX.***.
Enclosed are copies of account documents which validate the debt.
Thank you again for allowing us the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Buyer's Order
Extended Warranty
December 19, 2018 Correspondence
Extension Agreement
Fraud Packet (2)
wrong credit reporting
I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This unverified account has already been removed from one credit bureau.
Delete account from all 3 credit bureaus your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you.
November 21, 2019
***
***
*** 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 your Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn about your concerns regarding your attempts to validate a debt on your credit reports. Our customers concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate on June 28, 2017, you entered into a Retail Installment Sale Contract (Contract) in connection with the purchase of a 2012 Mercedes CLS (Vehicle). The amount financed was $29,950.00 at an annual percentage rate (APR) of 23.37%. The payment schedule called for 72 monthly payments of $784.64 each, with the first payment due on August 12, 2017. The Contract was assigned to Santander.
Regarding account verification, please note that the enclosed credit application indicates your signature in 2 separate fields.
After a review of the account, the Vehicle associated with the above referenced account was declared a total loss on or about December 4, 2018 and a claim was filed with your insurance company, Progressive Insurance.
The enclosed Payment History reflects that total loss proceeds in the amount of $21,973.36 posted to the account with an effective date of December 4, 2018. Following total loss proceeds, we received an Extended Warranty payment in the amount of $707.36, which posted to the account effective February 7, 2019.
The account was re-amortized with a new payment in the amount of $239.25 with the first payment due on January 30, 2019. Please note that the insurance proceeds did not pay off the account, therefore, the customer is responsible to continue making payments until the balance is satisfied.
Our records do not indicate that we received any direct disputes from you. However, we have received notices of indirect disputes from the credit reporting agencies in which copies were forwarded to Santander. Please note that the credit reporting agencies respond to indirect disputes.
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.
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 account, on November 13, 2019, an update was submitted to the credit reporting agencies to report the account as Charged Off with balance of $8,227.00. Please allow up to 30 days for the update to reflect on your credit reports. Our records indicate that the account began reporting as a charge off on June 30, 2019, when the account became over 120 days past due.
Please be advised that once an account has charged off, the account does not close and any existing balance remains until paid in full. We refer you to the Contract, Page 2 Section 3-B.
Further note that our Fraud Risk Department submitted an Identity Theft Victim packet (Fraud Packet) to you on October 22, 2019 and another on October 24, 2019. Our Fraud Risk Department cannot begin or fully investigate the matter until you agree to complete and return our Fraud Packet. As of the date of this correspondence, we have not received the required documents.
Once all of the requested information is received, we will review this matter further and respond accordingly. If you have any further questions, please contact our Fraud Risk Department at X (XXX) XXX.***.
Enclosed are copies of account documents which validate the debt.
Thank you again for allowing us the opportunity to address your concerns.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Buyer's Order
Extended Warranty
December 19, 2018 Correspondence
Extension Agreement
Fraud Packet (2)
Ditto to what most are saying here. We have a loan through them on a car bought in May of 2018. When I've made payments, if late, I always included the late payment charge in with my payment to cover. They've not once applied that money to the late fees. Recently we got behind on our car payment. From September 19 to October 25 I paid them $2000 to cover an amount owed of $1600 for the payments due in August and September. The last payment I made was on October 25 and the payment for the month was due October 29. The account face page showed us owing more than what we actually did but yet I paid because I didn't want to risk them repossessing my car. So simple math here... I paid $400 more than what was owed for the PAST DUE payments and the $400 should have been subtracted off the amount due for October considering it was showing due on the account page already. NOPE. They didn't apply anything to October. Just spent an hour on the phone with people whose English was broken at best explaining the concept only to be told that I have to wait 3-5 business days for them to file a formal request to have MY MONEY applied to the payment for October that was due. Then they explain this is in their contract and that I have to do this any time I pay a single penny over what a payment amount is. There is nowhere to allocate online or on paper statements. So basically I'm now at their mercy and may be forced to pay a FULL payment for October and the money I already paid to that payment is lost paying toward interest or whatever. How can they legally do this? How do I not have the right to tell a company to use the money to pay to my balance due for the month? They need to be shut down and prosecuted for the shady business and underhanded back alley practices. Unbelievable. Wish I could give ZERO STARS!!!
Someone used my personal information for a car loan. I contacted Santander and provided them with the information at least 10 times to no avail.
Someone opened up a car loan for a Honda Civic in 2015 using my information. I was unaware until payments were missed and it started showing up on my credit reports. I contacted Santander and verified by SSN with them as they had it from the person who used it to open the account. I spoke with someone in 2016 about it and they told me that there was nothing that could be done. When payments continued to be missed I contacted Santander again and they said they would contact me with a Fraud package. I never received the Fraud package. When Santander started to send mail to my job regarding missed payments, I contacted them back and spoke to the fraud department who told me to contact the police. I contacted the police and the FTC and they told me I would need to work directly with the creditor. Santander has known that this account was fraud since 2015 and it has ruined my credit. The person who opened the account, Hakeem Reeves, is a ghost and I cannot file a lawsuit against them without knowing what state they live in to do so. I bare no financial responsibility to this car that I have never seen and did not legally sign for.
I want for my name to be taken off of this account and to have zero financial responsibility to Santander. This account is fraud and I have contacted Santander many times over the years. I would like for this to be removed from my credit report forever.
November 14, 2019
***
***
*** 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 our Fraud Risk Department has made multiple attempts to contact you regarding missing information on your Identity Theft Claim. Please see the enclosed responses from the Fraud Risk Department, regarding the additional information needed. As no response was received by you for the requested information, your Identity Theft Claim case was closed in June 2019.
Please be advised that we take these matters seriously and we would very much like to help you with this situation. We have enclosed a Santander Identity Theft Victim Report packet for your completion. We request that you complete the packet and return it, along with all requested documentation. Once the requested information is received, the matter will be further reviewed by our Fraud Risk Department and a response will be provided based on their findings.
We respectfully decline to make any adjustments to the information reported to the credit reporting agencies or adjust the account balance, until a determination is made by our Fraud Risk Department.
Thank you again for bringing this matter to our attention. If you have any further questions, please contact our Fraud Risk Department directly at X (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
This "fraud package" was never sent to me and these responses were not mailed to me. This business is fraudulently operating. I have contacted the police as this fraud package asks for a police report, and the police said multiple times that they CANNOT provide a police report. They respectfully decline to fix this matter so I will continue to fight Santander.
November 29, 2019
***
***
*** 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 again for allowing us the continued opportunity to address your concerns.
We regret to learn that you remain disatisfied with our previous response and have stated you did not receive the previous correspondence from our Fraud Risk Department. Our customer's concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Regarding the correspondence mailed from our Fraud Risk Department, our records do not indicate the mail items were not returned as undeliverable.
Please be advised, our Fraud Risk Department is requesting that you kindly place a note or comment as to why you are unable to obtain a police report, along with any additional information you *** have, and return the Fraud Packet as requested. Please note, our Fraud Risk Department will still proceed with the claim without a police report so as long as you provide the other additional documentation and information.
Thank you again for allowing us the continued opportunity to address your concerns. If you have any further questions, please contact our Fraud Risk Department directly at X (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Ditto to what most are saying here. We have a loan through them on a car bought in May of 2018. When I've made payments, if late, I always included the late payment charge in with my payment to cover. They've not once applied that money to the late fees. Recently we got behind on our car payment. From September 19 to October 25 I paid them $2000 to cover an amount owed of $1600 for the payments due in August and September. The last payment I made was on October 25 and the payment for the month was due October 29. The account face page showed us owing more than what we actually did but yet I paid because I didn't want to risk them repossessing my car. So simple math here... I paid $400 more than what was owed for the PAST DUE payments and the $400 should have been subtracted off the amount due for October considering it was showing due on the account page already. NOPE. They didn't apply anything to October. Just spent an hour on the phone with people whose English was broken at best explaining the concept only to be told that I have to wait 3-5 business days for them to file a formal request to have MY MONEY applied to the payment for October that was due. Then they explain this is in their contract and that I have to do this any time I pay a single penny over what a payment amount is. There is nowhere to allocate online or on paper statements. So basically I'm now at their mercy and may be forced to pay a FULL payment for October and the money I already paid to that payment is lost paying toward interest or whatever. How can they legally do this? How do I not have the right to tell a company to use the money to pay to my balance due for the month? They need to be shut down and prosecuted for the shady business and underhanded back alley practices. Unbelievable. Wish I could give ZERO STARS!!!
Someone used my personal information for a car loan. I contacted Santander and provided them with the information at least 10 times to no avail.
Someone opened up a car loan for a Honda Civic in 2015 using my information. I was unaware until payments were missed and it started showing up on my credit reports. I contacted Santander and verified by SSN with them as they had it from the person who used it to open the account. I spoke with someone in 2016 about it and they told me that there was nothing that could be done. When payments continued to be missed I contacted Santander again and they said they would contact me with a Fraud package. I never received the Fraud package. When Santander started to send mail to my job regarding missed payments, I contacted them back and spoke to the fraud department who told me to contact the police. I contacted the police and the FTC and they told me I would need to work directly with the creditor. Santander has known that this account was fraud since 2015 and it has ruined my credit. The person who opened the account, Hakeem Reeves, is a ghost and I cannot file a lawsuit against them without knowing what state they live in to do so. I bare no financial responsibility to this car that I have never seen and did not legally sign for.
I want for my name to be taken off of this account and to have zero financial responsibility to Santander. This account is fraud and I have contacted Santander many times over the years. I would like for this to be removed from my credit report forever.
November 14, 2019
***
***
*** 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 our Fraud Risk Department has made multiple attempts to contact you regarding missing information on your Identity Theft Claim. Please see the enclosed responses from the Fraud Risk Department, regarding the additional information needed. As no response was received by you for the requested information, your Identity Theft Claim case was closed in June 2019.
Please be advised that we take these matters seriously and we would very much like to help you with this situation. We have enclosed a Santander Identity Theft Victim Report packet for your completion. We request that you complete the packet and return it, along with all requested documentation. Once the requested information is received, the matter will be further reviewed by our Fraud Risk Department and a response will be provided based on their findings.
We respectfully decline to make any adjustments to the information reported to the credit reporting agencies or adjust the account balance, until a determination is made by our Fraud Risk Department.
Thank you again for bringing this matter to our attention. If you have any further questions, please contact our Fraud Risk Department directly at X (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
This "fraud package" was never sent to me and these responses were not mailed to me. This business is fraudulently operating. I have contacted the police as this fraud package asks for a police report, and the police said multiple times that they CANNOT provide a police report. They respectfully decline to fix this matter so I will continue to fight Santander.
November 29, 2019
***
***
*** 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 again for allowing us the continued opportunity to address your concerns.
We regret to learn that you remain disatisfied with our previous response and have stated you did not receive the previous correspondence from our Fraud Risk Department. Our customer's concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Regarding the correspondence mailed from our Fraud Risk Department, our records do not indicate the mail items were not returned as undeliverable.
Please be advised, our Fraud Risk Department is requesting that you kindly place a note or comment as to why you are unable to obtain a police report, along with any additional information you *** have, and return the Fraud Packet as requested. Please note, our Fraud Risk Department will still proceed with the claim without a police report so as long as you provide the other additional documentation and information.
Thank you again for allowing us the continued opportunity to address your concerns. If you have any further questions, please contact our Fraud Risk Department directly at X (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
I have requested my loan information and pay off information..on a vehicle I did not purchase...for two years. I still have not received it. I talk to a rep every week, same thing: we mailed it *insert last call date*, confirm my address, tell me there is nothing they can do, get transferred to another "supervisor", then the car payment come out twice, then I call to have that fixed, I eat the fees, and so on.
I have requested my loan information and pay off information..on a vehicle I did not purchase...for two years. I still have not received it. I talk to a rep every week, same thing: we mailed it *insert last call date*, confirm my address, tell me there is nothing they can do, get transferred to another "supervisor", then the car payment come out twice, then I call to have that fixed, I eat the fees, and so on.
I was called back to the military and they are refusing to provide benefits after I have sent everything they have requested
2019 Honda Civic
I would like the scar benefits I'm entitled too
November 12, 2019
***
*** Rd.
Boiling Springs, SC XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***8694
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 about your experience while attempting to obtain Service Members Civil Relief Act (SCRA) benefits. Our customers concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Please be advised we mailed correspondence to the address on file dated October 29, 2019, which informed you we received your documentation for review for protections afforded by the SCRA, however, was insufficient and additional documentation was required for further review.
In addition, our records indicate our SCRA Department spoke with you on October 30, 2019 explaining additional documentation was required. As of the date of this correspondence we have not received any other documents.
We apologize if you feel you have been treated unfairly. 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
SANTANDER CONSUMER USA INC.
Enclosures
SCRA Letter
(The consumer indicated he/she DID NOT accept the response from the business.)
I sent your company the document I received from my captain. All my creditors accepted that document with all the valid information on it. We are not understanding what else is needed . No other documents was requested initially then come back 2 weeks later while I'm in the field and say my information isn't valid. I now have our legal department involved because this has caused me to go into a depression
November 29, 2019
***
*** Rd.
Boiling Springs, SC XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you 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 Service Members Civil Relief Act (SCRA) benefits concerns. Our customer's concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
As we stated previously in our correspondence dated October 29, 2019, we informed you we received your documentation for review for protections afforded by the SCRA, however they were insufficient and therefore additional documentation was requested. As of the day of this correspondence, we have not received any other documents.
After a review of the account, our records show on October 18, 2019 we received your faxed "Full Time" National Guard Orders (Orders) documents, which were in Format 282, which is used for Active Duty Orders. Alabama state law cites federal law, which applies for National Guard members ordered to active duty for a period of 30 consecutive days or more. Please note, if the Orders provided stated "Active Duty" in format 282, with length of time (start date of 8/1/2019 - end date of 03/31/2022) then you would qualify for SCRA benefits.
In addition, our SCRA Department spoke with you on October 30, 2019 explaining the additional required documents (Leave and Earning Statement and Military ID) needed to further review your request.
Though we empathize with your situation, we kindly request to provide the above-mentioned documents for a prompt response to your SCRA benefits request to the address below:
Fax: XXX-XXX-XXXX; or
Mail: Santander Consumer USA
Attn: Legal Department
*** Street, Suite ***
Dallas, TX XXXXX
We apologize for any negative impact you may have experienced. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX
Sincerely,
SANTANDER CONSUMER USA INC.
I am being billed for excess mileage on a leased vehicle where the lease agreement was fraudulently changed by the dealer at ***.
My wife and I traded in a vehicle to lease a 2016 Jeep Grand Cherokee at *** dealership in Silver Spring, MD. We agreed with the manager on a monthly payment of $297 and a mileage maximum of 36,000 miles over the three year lease. The finance person then showed us the agreement that showed the monthly payment at $335 with 36,000 miles, contrary to what the manager and I had agreed on. I then said we are leaving and please give me my car back. The manager then met with the finance person and told me that he got the monthly payment down to the $297 that we had agreed on. So we signed the lease agreement but I didn't notice that the finance person had changed the mileage amount to 30,000 miles, as the amount on the first agreement was 36,000 and I trusted the manager to live up to the original agreed amount of 36,000. My assumption now is that the way the finance person could get the monthly payment to $297 was to change the mileage, but I was not notified of that change. I have subsequently leased a 2019 Jeep Grand Cherokee at 36,000 miles over 3 years, and I asked the current manager is there is anything he could do to rectify the fraudulent change to the prior agreement and he indicated that there was nothing he could do because neither the manager or finance person we dealt with were still employed at ***. I would be glad to pay for mileage in excess of 36,000 miles, but not over 30,000 miles. I trusted the prior manager to live up to the amounts we agreed on and actually saw 36,000 miles on the first lease agreement we viewed at $335, and trusted that the final agreement would still reflect the 36,000 miles over 3 years. Chrysler Capital is charging me $1,492.99 for excess mileage over the 30,000 miles, which I contend was fraudulently changed on our lease agreement. I have leased other vehicles from Chrysler Capital and always have agreed on 36,000 over the 3 years, never any amount less than that.
I am willing to pay for excess mileage over 36,000 miles rather than over 30,000 miles
November 13, 2019
***, ***
XXXXX ***
Silver *** XXXXX
RE: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn that you experienced issues with the Darcars Imports, Inc. (Dealership) and the lease terms. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
Though we appreciate your continued business with Chrysler Capital, unfortunately, we are only able to address your concerns for the above-referenced account only.
According to our records, on June 6, 2016, you entered into a Motor Vehicle Lease Agreement (Lease) with *** Inc. (Dealership) in connection with the purchase of a 2016 Jeep Grand Cherokee (Vehicle). The payment schedule called for 36 monthly lease payments in the amount of $297.24 each, beginning June 12, 2016. The Lease was assigned to CCAP Auto Lease Ltd. and was serviced by Chrysler Capital.
Upon signing the Lease, you acknowledged and agreed that you read and understood the terms and conditions, including the monthly lease payment amount and Excessive Wear and Use terms among others.
The Lease terms advised of an allowable 10,000 miles per year, for three (3) years or thirty six (36) months, totaling 30,000 miles. Each mile thereafter the allowable amount, cost $0.25 per mile. These terms are on page one (1) of the Lease under, "Excessive Wear and Use".
After further review, our records indicate that we only received one (1) unaltered Lease from the Dealership. Additionally, we were not provided with any supporting documentation in your complaint regarding an altered Lease. In order to review the claim further, a Lease must be submitted showing different terms signed by the customer and the Dealership. In the event you can provide any supporting documentation, you may submit them through the Revdex.com portal. Once received, we will review and response accordingly.
We apologize for any misinformation that you may have received from the Dealership, however, we cannot substantiate any verbal agreements between you and the Dealership, only what is outlined in the Lease.
Enclosed is a copy of the Lease and the End of Term Final Bill showing the charges for the excess mileage in the amount of $1,496.00.
We respectfully decline your request to waive any excessive mileage charges, as the charges are valid per the Lease.
Thank you for allowing us the opportunity to address your concerns. If further assistance is needed, please contact our Allegiance Team directly at (XXX)XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Enclosures
Motor Vehicle Lease Agreement
End of Term Final Bill
(The consumer indicated he/she DID NOT accept the response from the business.)
There is no unaltered additional lease document, as they destroyed the first one with the amount that was too high from what we agreed on, and that one had 36,000 miles on it. When the manager indicated that he got the amount changed and we were good to go, I took his word that the original amounts, $297/month and 36,000 miles were now final. Maybe I should not have trusted him on that. We have leased many vehicles from Chrysler Capital and always had 36,000 miles, so I would never agreed to 30,000 miles if I had been notified of the change. If Chrysler Capital cannot accommodate my request, then I will never lease or buy another vehicle from them. Fraudulent business practices do not warrant a chance for future business transactions, and we spent 4 hours at the dealership haggling over the lease price and I was so relieved that they had finally changed the price to $297/month that I never assumed that they might change the number of miles from the original paperwork. It seemed that they thought that I might cave to the $335 amount just to get the deal done, but I was asking to get our trade in vehicle back and we would leave, hence the change to $297 and the mileage to 30,000
Document Attached***
December 3, 2019
***
XXXXX ***
Silver *** XXXXX
RE: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the continued opportunity to address your concerns.
We regret to learn that you did not accept our response. Unfortunately, we cannot confirm what was discussed or agreed upon between you and the Darcars Imports (Dealership), concerning the monthly payments of $297.00 or the mileage allowance of 30,000/36,000 miles.
Our records indicate that we only received one (1) unaltered Lease from the Dealership and you were not able to provide us with the first lease agreement you were presented.
We respectfully decline your request to waive the excess mileage charges based on 30,000 miles.
We apologize if you feel you were treated in an unprofessional manner. Thank you for allowing us the opportunity to address your concerns. If further assistance is needed, please contact our Allegiance Team directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
I was called back to the military and they are refusing to provide benefits after I have sent everything they have requested
2019 Honda Civic
I would like the scar benefits I'm entitled too
November 12, 2019
***
*** Rd.
Boiling Springs, SC XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***8694
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 about your experience while attempting to obtain Service Members Civil Relief Act (SCRA) benefits. Our customers concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Please be advised we mailed correspondence to the address on file dated October 29, 2019, which informed you we received your documentation for review for protections afforded by the SCRA, however, was insufficient and additional documentation was required for further review.
In addition, our records indicate our SCRA Department spoke with you on October 30, 2019 explaining additional documentation was required. As of the date of this correspondence we have not received any other documents.
We apologize if you feel you have been treated unfairly. 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
SANTANDER CONSUMER USA INC.
Enclosures
SCRA Letter
(The consumer indicated he/she DID NOT accept the response from the business.)
I sent your company the document I received from my captain. All my creditors accepted that document with all the valid information on it. We are not understanding what else is needed . No other documents was requested initially then come back 2 weeks later while I'm in the field and say my information isn't valid. I now have our legal department involved because this has caused me to go into a depression
November 29, 2019
***
*** Rd.
Boiling Springs, SC XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you 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 Service Members Civil Relief Act (SCRA) benefits concerns. Our customer's concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
As we stated previously in our correspondence dated October 29, 2019, we informed you we received your documentation for review for protections afforded by the SCRA, however they were insufficient and therefore additional documentation was requested. As of the day of this correspondence, we have not received any other documents.
After a review of the account, our records show on October 18, 2019 we received your faxed "Full Time" National Guard Orders (Orders) documents, which were in Format 282, which is used for Active Duty Orders. Alabama state law cites federal law, which applies for National Guard members ordered to active duty for a period of 30 consecutive days or more. Please note, if the Orders provided stated "Active Duty" in format 282, with length of time (start date of 8/1/2019 - end date of 03/31/2022) then you would qualify for SCRA benefits.
In addition, our SCRA Department spoke with you on October 30, 2019 explaining the additional required documents (Leave and Earning Statement and Military ID) needed to further review your request.
Though we empathize with your situation, we kindly request to provide the above-mentioned documents for a prompt response to your SCRA benefits request to the address below:
Fax: XXX-XXX-XXXX; or
Mail: Santander Consumer USA
Attn: Legal Department
*** Street, Suite ***
Dallas, TX XXXXX
We apologize for any negative impact you may have experienced. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX
Sincerely,
SANTANDER CONSUMER USA INC.
I am being billed for excess mileage on a leased vehicle where the lease agreement was fraudulently changed by the dealer at ***.
My wife and I traded in a vehicle to lease a 2016 Jeep Grand Cherokee at *** dealership in Silver Spring, MD. We agreed with the manager on a monthly payment of $297 and a mileage maximum of 36,000 miles over the three year lease. The finance person then showed us the agreement that showed the monthly payment at $335 with 36,000 miles, contrary to what the manager and I had agreed on. I then said we are leaving and please give me my car back. The manager then met with the finance person and told me that he got the monthly payment down to the $297 that we had agreed on. So we signed the lease agreement but I didn't notice that the finance person had changed the mileage amount to 30,000 miles, as the amount on the first agreement was 36,000 and I trusted the manager to live up to the original agreed amount of 36,000. My assumption now is that the way the finance person could get the monthly payment to $297 was to change the mileage, but I was not notified of that change. I have subsequently leased a 2019 Jeep Grand Cherokee at 36,000 miles over 3 years, and I asked the current manager is there is anything he could do to rectify the fraudulent change to the prior agreement and he indicated that there was nothing he could do because neither the manager or finance person we dealt with were still employed at ***. I would be glad to pay for mileage in excess of 36,000 miles, but not over 30,000 miles. I trusted the prior manager to live up to the amounts we agreed on and actually saw 36,000 miles on the first lease agreement we viewed at $335, and trusted that the final agreement would still reflect the 36,000 miles over 3 years. Chrysler Capital is charging me $1,492.99 for excess mileage over the 30,000 miles, which I contend was fraudulently changed on our lease agreement. I have leased other vehicles from Chrysler Capital and always have agreed on 36,000 over the 3 years, never any amount less than that.
I am willing to pay for excess mileage over 36,000 miles rather than over 30,000 miles
November 13, 2019
***, ***
XXXXX ***
Silver *** XXXXX
RE: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn that you experienced issues with the Darcars Imports, Inc. (Dealership) and the lease terms. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
Though we appreciate your continued business with Chrysler Capital, unfortunately, we are only able to address your concerns for the above-referenced account only.
According to our records, on June 6, 2016, you entered into a Motor Vehicle Lease Agreement (Lease) with *** Inc. (Dealership) in connection with the purchase of a 2016 Jeep Grand Cherokee (Vehicle). The payment schedule called for 36 monthly lease payments in the amount of $297.24 each, beginning June 12, 2016. The Lease was assigned to CCAP Auto Lease Ltd. and was serviced by Chrysler Capital.
Upon signing the Lease, you acknowledged and agreed that you read and understood the terms and conditions, including the monthly lease payment amount and Excessive Wear and Use terms among others.
The Lease terms advised of an allowable 10,000 miles per year, for three (3) years or thirty six (36) months, totaling 30,000 miles. Each mile thereafter the allowable amount, cost $0.25 per mile. These terms are on page one (1) of the Lease under, "Excessive Wear and Use".
After further review, our records indicate that we only received one (1) unaltered Lease from the Dealership. Additionally, we were not provided with any supporting documentation in your complaint regarding an altered Lease. In order to review the claim further, a Lease must be submitted showing different terms signed by the customer and the Dealership. In the event you can provide any supporting documentation, you may submit them through the Revdex.com portal. Once received, we will review and response accordingly.
We apologize for any misinformation that you may have received from the Dealership, however, we cannot substantiate any verbal agreements between you and the Dealership, only what is outlined in the Lease.
Enclosed is a copy of the Lease and the End of Term Final Bill showing the charges for the excess mileage in the amount of $1,496.00.
We respectfully decline your request to waive any excessive mileage charges, as the charges are valid per the Lease.
Thank you for allowing us the opportunity to address your concerns. If further assistance is needed, please contact our Allegiance Team directly at (XXX)XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Enclosures
Motor Vehicle Lease Agreement
End of Term Final Bill
(The consumer indicated he/she DID NOT accept the response from the business.)
There is no unaltered additional lease document, as they destroyed the first one with the amount that was too high from what we agreed on, and that one had 36,000 miles on it. When the manager indicated that he got the amount changed and we were good to go, I took his word that the original amounts, $297/month and 36,000 miles were now final. Maybe I should not have trusted him on that. We have leased many vehicles from Chrysler Capital and always had 36,000 miles, so I would never agreed to 30,000 miles if I had been notified of the change. If Chrysler Capital cannot accommodate my request, then I will never lease or buy another vehicle from them. Fraudulent business practices do not warrant a chance for future business transactions, and we spent 4 hours at the dealership haggling over the lease price and I was so relieved that they had finally changed the price to $297/month that I never assumed that they might change the number of miles from the original paperwork. It seemed that they thought that I might cave to the $335 amount just to get the deal done, but I was asking to get our trade in vehicle back and we would leave, hence the change to $297 and the mileage to 30,000
Document Attached***
December 3, 2019
***
XXXXX ***
Silver *** XXXXX
RE: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the continued opportunity to address your concerns.
We regret to learn that you did not accept our response. Unfortunately, we cannot confirm what was discussed or agreed upon between you and the Darcars Imports (Dealership), concerning the monthly payments of $297.00 or the mileage allowance of 30,000/36,000 miles.
Our records indicate that we only received one (1) unaltered Lease from the Dealership and you were not able to provide us with the first lease agreement you were presented.
We respectfully decline your request to waive the excess mileage charges based on 30,000 miles.
We apologize if you feel you were treated in an unprofessional manner. Thank you for allowing us the opportunity to address your concerns. If further assistance is needed, please contact our Allegiance Team directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
These people are absolutely ridiculous! So Santander decided to charge me twice for my car payment and when I called to get my refund I was told that even though they could clearly see I was charged twice that I would have to prove to them that I was charged by faxing them a bank statement. So I went to my bank to get the statement but my bank cannot fax to a third party. I called again to see if I could email them a copy because we are in 2019 where a giant company should have access to an email and not just a fax. But every person including a supervisor was rude and told me there was no other way. So because of their mistake I now have to drive to the bank for a statement and then drive to staples and PAY to fax them a copy just to wait another 3-5 business day for my money to go back into my account. Mind you the money they accidentally took out of my account was my rent money so I had to go and borrow that money from someone. Their workers are rude and just not willing to work to help correct THEIR MISTAKE.
These people are absolutely ridiculous! So Santander decided to charge me twice for my car payment and when I called to get my refund I was told that even though they could clearly see I was charged twice that I would have to prove to them that I was charged by faxing them a bank statement. So I went to my bank to get the statement but my bank cannot fax to a third party. I called again to see if I could email them a copy because we are in 2019 where a giant company should have access to an email and not just a fax. But every person including a supervisor was rude and told me there was no other way. So because of their mistake I now have to drive to the bank for a statement and then drive to staples and PAY to fax them a copy just to wait another 3-5 business day for my money to go back into my account. Mind you the money they accidentally took out of my account was my rent money so I had to go and borrow that money from someone. Their workers are rude and just not willing to work to help correct THEIR MISTAKE.
I made a payment in September 2018 of $288 that I didn't go through.
Santander Consumer USA claimed that I didn't make a payment for September 2018. I made a payment that wasn't tabulated correctly. Since then my balance has been and the account balance has been incorrect. And it was not tabulated properly. I call the company. But I had to repay for that month again.
I would like a refund of $288 of the payment that didn't tabulate correctly.
November 7, 2019
***
*** Box ***
*** 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 you have been unable to resolve your concerns with your payments. Our customers concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Regarding your concerns of a payment in September 2018, our records indicate that 2 payments were received on your account in the month of September 2018. On September 18, 2018 a payment was received and posted to your account in the amount of $288.03, which satisfied July 23, 2018 payment. Additionally, on September 22, 2018 a payment in the amount of $316.83 was received and posted to your account, which satisfied August 23, 2018. Both payments were completed and were not returned by your financial institution.
In reference to the payment of $288.03 received on September 18, 2018, please note that the payment was allocated towards interest as we did not receive a payment in the month of August 2018. Prior to the payment of $288.03 for September 18, 2018, the last payment we received on the account was on July 20, 2018 in the amount of $288.03.
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 daily can vary based on the amount of the principal balance and the number of days between payments.
Please note that when a payment is received, accrued interest must be satisfied first, and then the remainder of the payment is applied toward the principal balance and/or outstanding fees on the account.
Our records further indicate that you were contacted on September 7, 2018 and advised that your payment for June 24, 2018 was returned on June 28, 2018 due to a closed bank account.
Our records further indicate the vehicle associated with the above referenced account was repossessed on August 31, 2019 when the account was 100 days past due. The vehicle was not redeemed and was sold at auction on October 22, 2019. A deficiency letter will be sent to you soon advising you of the remaining balance on the account.
Please be advised, we attempted to contact you several times regarding the delinquency of your account prior to the repossession of the vehicle, with no success.
We respectfully decline your request for a refund of your payment in the amount of $288.03 for September 2018 as this payment has been applied to your account balance and allocated appropriately.
Enclosed is a copy of the Payment History, Notice of Intent to Repossess and Notice of Our Plan To Sell Property.
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.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
I believe I am missing a payment of $288.03. Also, my June statements was messed with and I am not sure what happened. I paid everything off in May from the last repossession. But, I still had an issue with something being put on my bill that I didn't pay for everything to get my car reinstated and get my car back. So, I was calling to get that part of the bill removed and it wasn't removed. So, it is another reason their were issues in August payments and it being repossessed again. I am not sure how much fees was said on that June bill too that I didn't pay off to get my car back. But, if I can get refund on that bill statement too, it might have been like an extra $400 or something that I didn't pay off that was paid off.
November 25, 2019
***
*** Box ***
*** XXXXX
Re: Revdex.com Case number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your additional concerns.
As stated in our previous response, we respectfully decline your request for a refund of your payment in the amount of $288.03 for September 2018 as this payment has been applied to your account balance and allocated appropriately.
In reference to fees added to your June 2019 statement, please note no fees were added to your June 2019 statement, however recovery fees were added to your July 2019 statement for your previous repossession on May 8, 2019.
The fees are as follows: June 3, 2019 for $385.00 repossession fee, June 17, 2019 for $450.00 keys fees and June 20, 2019 for $125.00 storage fee. The vehicle was redeemed on May 24, 2019 with a payment of $1,364.29, however no payments were received on the account after this date and the vehicle was repossessed again on August 31, 2019 when the account was 100 days past due.
Our records show that you contacted our office on June 26, 2019 in an attempt to have the recovery fees waived and the request was declined as the fees are valid. We respectfully decline your request to refund of fees.
We regret to learn that you did not accept our response to your complaint and that you remain dissatisfied. If further assistance is needed, please contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Santander is refusing to release my vehicle's title, after I paid the loan in full on 8/05/2014. The balance they state I owe I am disputing.
I made my final payment of $300.00 on 8/05/2014 to Santander Consumer USA after speaking with a CSR, because I needed to know what my actual final payment amount was. Usually my monthly payments were $384.95, but I always paid $385.00, & I would drop my payment off at a local branch that used to be in Hagerstown, MD. After making my final payment I received a title in the mail, which I thought was my release, unfortunately it was only recently I discovered it was not. Before contacting Santander directly, I had viewed my credit report towards the end of 2018 & noticed that under my payment history for my auto loan, Santander had commented that I made 0 (zero) payments on time. Of course that was definitely false, so I filed a dispute through Credit Karma. Some time later I received an email from Credit Karma letting me know that the dispute was resolved, which after checking my credit report I noticed they changed the payment history, but then I discovered that the report now shows a remaining balance of $380 (three-hundred, eighty dollars). Please keep in mind I have received absolutely no form(s) of communication or notification from Santander since I spoke on the phone with the CSR on Aug.5, 2014 to retrieve my final payment amount, & it is now Oct.25, 2019. Also, after reviewing my previous credit reports beginning in Sept. of 2014 through Sept. of 2018, not one of those reports reflected a balance of $380.00. The balance did not appear until after I filed the dispute regarding Santander's comment about my payment history. In addition to that, it has been over 5 (five) years since I made my final payment to them, and not one time have they contacted me in any way, stating that I still had a remaining balance of $380. Therefore, I know that I do not owe them anything, & after dealing with this company for almost 7 (seven) years, I would never do any form of business with them again. I only should have paid back on my loan $21,000.00, but because they continuously kept charging this fee & that fee, especially towards the last few payments, I ended up paying a grand total of almost $30,000.00 to them. If I really owed what they say I owe, then why have I not received any forms of communication from them in over 5 years. I honestly believe that Santander is trying to scam me out of even more money, & from what I've learned about their many lawsuits, I would not be the first person that they have tried to do that to. All I would like is to receive my release title as soon as possible, & for Santander to remove that untrue balance from my credit report, because I honestly think that they know I do not owe them anything, & to stop interfering with people's lively hood.
One last comment I'd like to make about this entire "Fishy" situation is, Santander reported false information to the credit report agencies, & just because I filed a dispute they are now saying I have a balance. Also, they reported the account closed on April 30, 2014, but I was still making monthly payments, why would you report that the account was closed before the final payment was made. Especially since I wasn't behind on payments, because if I was they definitely would've tried to reposess my vehicle. Just to make it clear, my phone number has been the same for the past 10 years, & I've lived at my address since Jan.1, 2012.
I would like to receive my title release, & to have that report that I have a remaining balance removed from all 3 credit report agencies.Upon receiving my title release, I would like for Santander to be only given a certain amount of time for them to send my title release to me, I think no more than 2 (two) weeks, since they have already had over 5 years to send it to me.
November 7, 2019
***
XXXXX X/2 ***
*** XXXXX
Re: Revdex.com Case Number: 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 miscommunication that you may have experienced in trying to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on May 7, 2007 with Hamilton Nissan Inc. in connection with the purchase of a 2006 Nissan Frontier (Vehicle). The amount financed was $20,899.00 at an annual percentage rate of 9.79%. The payment schedule called for 72 monthly payments of $384.96 each, with the first payment due on June 6, 2007. The Contract was assigned to Sovereign Bank (Sovereign). Santander purchased the Contract from Sovereign in June 2009. The purchase from Sovereign does not affect the original terms of the Contract.
In reference to the total amount you should have paid on the Vehicle, we refer you to the Truth in Lending Disclosures on Page 1 of the Contract which lists the Total of Payments as $27,717.12 (the amount you will have paid after you have made all payments as scheduled).
The enclosed payment history shows the last payment we received on August 5, 2014 in the amount of $300.00 did not pay your account in full as late fees remained on the account therefore a remaining balance of $380.59 is still due . Please note, we will not release title to the Vehicle until account is paid in full.
In reference to fees, total of 61 late fees were assessed (as per terms of the Contract) in the total amount of $1,765.96. Fees in the amount of $200.00 were waived on April 22, 2014 and $249.99 were waived on May 1, 2014.
Our records indicate the account charged off on July 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.
In reference to Santander not contacting you after August 5, 2014, our records indicate our last contact with you was prior to that date on June 23, 2014. Please be advised that outbound calls are made as a courtesy. Customers are responsible to make their monthly payments or fees as set forth in the Contract. Our records indicate that you recently contacted us on October 24, 2019 to obtain a payoff quote and about questions regarding title to the Vehicle.
In reference to your statement that you filed a credit reporting dispute, we have no record that you mailed a direct dispute to Santander since August 5, 2014, however, we received disputes from credit reporting agencies in May and October 2019. In addition, we have no record of receiving any credit dispute from Credit Karma.
In reference to the balance not being reported until a credit dispute was filed, we are unable to comment on information that was derived from copies of your credit reports as none was provided.
Please note that Credit Karma is not a nationally recognized credit reporting agency. The Fair Credit Reporting Act (FCRA) 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.
After a review of the information provided, on November 5, 2019, we requested an update to report the account as Unpaid/Charged off with a remaining balance of $380.00.
The update was submitted under AUD: XXXXXXXX which number you may use for any contact you may have with the credit reporting agencies to confirm the update.
We respectfully decline to change the information being reported to the credit reporting agencies as the information reported matches our records. We also decline your request to provide title to the Vehicle.
Enclosed are copies of your Contract, Payment History for your review.
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
(The consumer indicated he/she DID NOT accept the response from the business.)
As they stated, they do not know why the supposed remaining balance of $380.59 was not reported until after I filed a dispute. I can think of a reason, because I do not owe anything. Also no communication from Santander about the supposedly remaining balance for 5 years. I do not know of any lender that would not communicate to the customer that they stilled owed money. After reading the several lawsuits that Santander has been involved in, I understand why, and feel that the same thing is trying to be done to me. Not having a reason or "knowing why" the supposed balance was never reported says ALOT about this company, which several attorneys agree, especially those that I've explained this situation to.
November 22, 2019
***
XXXXX X/2 ***
*** XXXXX
Re: Revdex.com Case Number: 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 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 allocation concerns. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
Please be advised your remaining balance of $380.59 which consist of late fees, On April 30, 2014 our Executive Office Department advised that we would waive July 2008 - June 2009 late fee's in the amount of $200.00 due to the documentation you provided. The agent also stated to you we could not waive all the late fee's you requested therefore after the $200.00 was waived, balance of $380.59 remained due.
In addition, as we stated previously outbound calls are made as a courtesy. Customers are responsible to make their monthly payments or fees as set forth in the Contract.
In reference to the balance not being reported until a credit dispute was filed, we are unable to comment on information that was derived from previous reporting.
Please understand that we make every attempt to work with our customers to achieve the best service possible. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX
Sincerely,
SANTANDER CONSUMER USA INC.
Santander is refusing to release my vehicle's title, after I paid the loan in full on 8/05/2014. The balance they state I owe I am disputing.
I made my final payment of $300.00 on 8/05/2014 to Santander Consumer USA after speaking with a CSR, because I needed to know what my actual final payment amount was. Usually my monthly payments were $384.95, but I always paid $385.00, & I would drop my payment off at a local branch that used to be in Hagerstown, MD. After making my final payment I received a title in the mail, which I thought was my release, unfortunately it was only recently I discovered it was not. Before contacting Santander directly, I had viewed my credit report towards the end of 2018 & noticed that under my payment history for my auto loan, Santander had commented that I made 0 (zero) payments on time. Of course that was definitely false, so I filed a dispute through Credit Karma. Some time later I received an email from Credit Karma letting me know that the dispute was resolved, which after checking my credit report I noticed they changed the payment history, but then I discovered that the report now shows a remaining balance of $380 (three-hundred, eighty dollars). Please keep in mind I have received absolutely no form(s) of communication or notification from Santander since I spoke on the phone with the CSR on Aug.5, 2014 to retrieve my final payment amount, & it is now Oct.25, 2019. Also, after reviewing my previous credit reports beginning in Sept. of 2014 through Sept. of 2018, not one of those reports reflected a balance of $380.00. The balance did not appear until after I filed the dispute regarding Santander's comment about my payment history. In addition to that, it has been over 5 (five) years since I made my final payment to them, and not one time have they contacted me in any way, stating that I still had a remaining balance of $380. Therefore, I know that I do not owe them anything, & after dealing with this company for almost 7 (seven) years, I would never do any form of business with them again. I only should have paid back on my loan $21,000.00, but because they continuously kept charging this fee & that fee, especially towards the last few payments, I ended up paying a grand total of almost $30,000.00 to them. If I really owed what they say I owe, then why have I not received any forms of communication from them in over 5 years. I honestly believe that Santander is trying to scam me out of even more money, & from what I've learned about their many lawsuits, I would not be the first person that they have tried to do that to. All I would like is to receive my release title as soon as possible, & for Santander to remove that untrue balance from my credit report, because I honestly think that they know I do not owe them anything, & to stop interfering with people's lively hood.
One last comment I'd like to make about this entire "Fishy" situation is, Santander reported false information to the credit report agencies, & just because I filed a dispute they are now saying I have a balance. Also, they reported the account closed on April 30, 2014, but I was still making monthly payments, why would you report that the account was closed before the final payment was made. Especially since I wasn't behind on payments, because if I was they definitely would've tried to reposess my vehicle. Just to make it clear, my phone number has been the same for the past 10 years, & I've lived at my address since Jan.1, 2012.
I would like to receive my title release, & to have that report that I have a remaining balance removed from all 3 credit report agencies.Upon receiving my title release, I would like for Santander to be only given a certain amount of time for them to send my title release to me, I think no more than 2 (two) weeks, since they have already had over 5 years to send it to me.
November 7, 2019
***
XXXXX X/2 ***
*** XXXXX
Re: Revdex.com Case Number: 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 miscommunication that you may have experienced in trying to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on May 7, 2007 with Hamilton Nissan Inc. in connection with the purchase of a 2006 Nissan Frontier (Vehicle). The amount financed was $20,899.00 at an annual percentage rate of 9.79%. The payment schedule called for 72 monthly payments of $384.96 each, with the first payment due on June 6, 2007. The Contract was assigned to Sovereign Bank (Sovereign). Santander purchased the Contract from Sovereign in June 2009. The purchase from Sovereign does not affect the original terms of the Contract.
In reference to the total amount you should have paid on the Vehicle, we refer you to the Truth in Lending Disclosures on Page 1 of the Contract which lists the Total of Payments as $27,717.12 (the amount you will have paid after you have made all payments as scheduled).
The enclosed payment history shows the last payment we received on August 5, 2014 in the amount of $300.00 did not pay your account in full as late fees remained on the account therefore a remaining balance of $380.59 is still due . Please note, we will not release title to the Vehicle until account is paid in full.
In reference to fees, total of 61 late fees were assessed (as per terms of the Contract) in the total amount of $1,765.96. Fees in the amount of $200.00 were waived on April 22, 2014 and $249.99 were waived on May 1, 2014.
Our records indicate the account charged off on July 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.
In reference to Santander not contacting you after August 5, 2014, our records indicate our last contact with you was prior to that date on June 23, 2014. Please be advised that outbound calls are made as a courtesy. Customers are responsible to make their monthly payments or fees as set forth in the Contract. Our records indicate that you recently contacted us on October 24, 2019 to obtain a payoff quote and about questions regarding title to the Vehicle.
In reference to your statement that you filed a credit reporting dispute, we have no record that you mailed a direct dispute to Santander since August 5, 2014, however, we received disputes from credit reporting agencies in May and October 2019. In addition, we have no record of receiving any credit dispute from Credit Karma.
In reference to the balance not being reported until a credit dispute was filed, we are unable to comment on information that was derived from copies of your credit reports as none was provided.
Please note that Credit Karma is not a nationally recognized credit reporting agency. The Fair Credit Reporting Act (FCRA) 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.
After a review of the information provided, on November 5, 2019, we requested an update to report the account as Unpaid/Charged off with a remaining balance of $380.00.
The update was submitted under AUD: XXXXXXXX which number you may use for any contact you may have with the credit reporting agencies to confirm the update.
We respectfully decline to change the information being reported to the credit reporting agencies as the information reported matches our records. We also decline your request to provide title to the Vehicle.
Enclosed are copies of your Contract, Payment History for your review.
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
(The consumer indicated he/she DID NOT accept the response from the business.)
As they stated, they do not know why the supposed remaining balance of $380.59 was not reported until after I filed a dispute. I can think of a reason, because I do not owe anything. Also no communication from Santander about the supposedly remaining balance for 5 years. I do not know of any lender that would not communicate to the customer that they stilled owed money. After reading the several lawsuits that Santander has been involved in, I understand why, and feel that the same thing is trying to be done to me. Not having a reason or "knowing why" the supposed balance was never reported says ALOT about this company, which several attorneys agree, especially those that I've explained this situation to.
November 22, 2019
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XXXXX X/2 ***
*** XXXXX
Re: Revdex.com Case Number: 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 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 allocation concerns. Our customer's concerns are of the utmost importance to us and we appreciate your feedback.
Please be advised your remaining balance of $380.59 which consist of late fees, On April 30, 2014 our Executive Office Department advised that we would waive July 2008 - June 2009 late fee's in the amount of $200.00 due to the documentation you provided. The agent also stated to you we could not waive all the late fee's you requested therefore after the $200.00 was waived, balance of $380.59 remained due.
In addition, as we stated previously outbound calls are made as a courtesy. Customers are responsible to make their monthly payments or fees as set forth in the Contract.
In reference to the balance not being reported until a credit dispute was filed, we are unable to comment on information that was derived from previous reporting.
Please understand that we make every attempt to work with our customers to achieve the best service possible. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX
Sincerely,
SANTANDER CONSUMER USA INC.
I made a payment in September 2018 of $288 that I didn't go through.
Santander Consumer USA claimed that I didn't make a payment for September 2018. I made a payment that wasn't tabulated correctly. Since then my balance has been and the account balance has been incorrect. And it was not tabulated properly. I call the company. But I had to repay for that month again.
I would like a refund of $288 of the payment that didn't tabulate correctly.
November 7, 2019
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*** Box ***
*** 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 you have been unable to resolve your concerns with your payments. Our customers concerns are of the utmost importance to us and we appreciate your feedback regarding this matter.
Regarding your concerns of a payment in September 2018, our records indicate that 2 payments were received on your account in the month of September 2018. On September 18, 2018 a payment was received and posted to your account in the amount of $288.03, which satisfied July 23, 2018 payment. Additionally, on September 22, 2018 a payment in the amount of $316.83 was received and posted to your account, which satisfied August 23, 2018. Both payments were completed and were not returned by your financial institution.
In reference to the payment of $288.03 received on September 18, 2018, please note that the payment was allocated towards interest as we did not receive a payment in the month of August 2018. Prior to the payment of $288.03 for September 18, 2018, the last payment we received on the account was on July 20, 2018 in the amount of $288.03.
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 daily can vary based on the amount of the principal balance and the number of days between payments.
Please note that when a payment is received, accrued interest must be satisfied first, and then the remainder of the payment is applied toward the principal balance and/or outstanding fees on the account.
Our records further indicate that you were contacted on September 7, 2018 and advised that your payment for June 24, 2018 was returned on June 28, 2018 due to a closed bank account.
Our records further indicate the vehicle associated with the above referenced account was repossessed on August 31, 2019 when the account was 100 days past due. The vehicle was not redeemed and was sold at auction on October 22, 2019. A deficiency letter will be sent to you soon advising you of the remaining balance on the account.
Please be advised, we attempted to contact you several times regarding the delinquency of your account prior to the repossession of the vehicle, with no success.
We respectfully decline your request for a refund of your payment in the amount of $288.03 for September 2018 as this payment has been applied to your account balance and allocated appropriately.
Enclosed is a copy of the Payment History, Notice of Intent to Repossess and Notice of Our Plan To Sell Property.
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.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
I believe I am missing a payment of $288.03. Also, my June statements was messed with and I am not sure what happened. I paid everything off in May from the last repossession. But, I still had an issue with something being put on my bill that I didn't pay for everything to get my car reinstated and get my car back. So, I was calling to get that part of the bill removed and it wasn't removed. So, it is another reason their were issues in August payments and it being repossessed again. I am not sure how much fees was said on that June bill too that I didn't pay off to get my car back. But, if I can get refund on that bill statement too, it might have been like an extra $400 or something that I didn't pay off that was paid off.
November 25, 2019
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*** Box ***
*** XXXXX
Re: Revdex.com Case number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your additional concerns.
As stated in our previous response, we respectfully decline your request for a refund of your payment in the amount of $288.03 for September 2018 as this payment has been applied to your account balance and allocated appropriately.
In reference to fees added to your June 2019 statement, please note no fees were added to your June 2019 statement, however recovery fees were added to your July 2019 statement for your previous repossession on May 8, 2019.
The fees are as follows: June 3, 2019 for $385.00 repossession fee, June 17, 2019 for $450.00 keys fees and June 20, 2019 for $125.00 storage fee. The vehicle was redeemed on May 24, 2019 with a payment of $1,364.29, however no payments were received on the account after this date and the vehicle was repossessed again on August 31, 2019 when the account was 100 days past due.
Our records show that you contacted our office on June 26, 2019 in an attempt to have the recovery fees waived and the request was declined as the fees are valid. We respectfully decline your request to refund of fees.
We regret to learn that you did not accept our response to your complaint and that you remain dissatisfied. If further assistance is needed, please contact us directly at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Santander is not doing their job correctly. They claim that we are behind in payments. Now they have sent a NOTICE OF RIGHT TO CURE. Please try to get them to do what is right. We don't have the money they want. Check the reviews, they don't have any good ones. Thank you, ***.
My bank double played some bills ( a computer problem) and I was left short for my car payment for one month. I resumed regular payments plus whatever extra I could afford to catch up the missed payment. A couple months later, they contact me because I was still a month behind. My payments are $303 so I paid $350, $75 a week later, $175 the next week. Still said I was a month behind. Turns out anything less than a FULL payment will not go towards the missed payment, it goes towards interest. Still waiting for a bank statement, but I have paid over $500 trying to get my account current, none of which has gone towards the arrears.