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PAR North America Reviews (44)

working links to my Santander Consumer research
Not sure why the links did not copy completely. The following are the working links in my complaint:

Better Business Bureau, ( Retrieved from the Internet on April 13, 2021):
https://www.bbb.org/us/tx/dallas/profile/consumer-finance-companies/santander-co... />
Department of Justice, ( Retrieved from the Internet on April 13, 2021):
https://www.justice.gov/opa/pr/justice-department-reaches-settlement-santander-c... />
U.S. District Court for the Eastern District of Arkansas., Wilson et al. v. Santander Consumer USA, Inc. ( Retrieved from the Internet on April 13, 2021):
https://www.classaction.org/media/wilson-et-al-v-santander-consumer-usa-inc.pdf<... />
More legal problems with Santander Consumer misleading communication and deceptive practices:

CFPB ( Retrieved from the Internet on April 13, 2021):
https://www.consumerfinance.gov/enforcement/actions/santander-consumer-usa-inc-2... />
Deka Investment GmbH v. Santander Consumer USA Holdings Inc., ( Retrieved from the Internet on April 13, 2021):
http://scusasecuritiessettlement.com/

CLASS ACTION COMPLAINT FOR VIOLATIONS OF THE FEDERAL SECURITIES LAWS, ( Retrieved from the Internet on April 13, 2021):
https://www.rosenlegal.com/media/casestudy/561_Santander%20Web%20Complaint.pdf

+1

PAR would like to believe they are not liable
I had my care illegally repossessed by Santander Consumer USA ( a large PAN North America ) client. I called PAR to stop the transfer of my call. I asked for the contact information to their legal department and not only no one answers the number I was provided; PAR does not return my calls and the email listed on their website returnes the emails as undeliverables. We must be able to trust the companies we do business with.
I bought the car at Carmax with almost 50% down. With Convid my income changed for 2 months. I made oral agreements with Santander they did not keep ( Santander refuses to put anything in writing). Today Santander claims no such agreement exists. Santander sent a request to PAR who forwarded the request to the repo. agencies. The tow truck took my car without open paperwork saying this was normal. Then PAR ordered my car transferred for sale before the 10 day legal window when I may buy back my vehicle.
The four companies, Santander, PAR, the repo. agent and Carmax try to say this is the process; they are not at fault. I opened a claim with my State Attorney who is now investigating because Santander has been losing class action lawsuits since 2015 for just these unfair, deceptive and misleading business practices as when they took possession of my car. I tell the other companies they are responsible for who they choose as a business partner and how that partner treats their clients. I filed complaints with the FTC, CFPB, my State Attorney and joined a current class action lawsuit. In addition, on Monday I have an appt. with an attorney to sue for damages. It is up to consumers to keep these companies honest. To not have contact information, to refuse to put anything in writing, to come like thieves in the middle of the night to remove a vehicle a customer is telling all they were not aware of the repossession problem, to refuse to follow the rules for a voluntary repossession is unacceptable. If a consumer acted like this they would lose all their rights and possibly go to jail for fraud, lying, cheating and stealing.

Santander Consumer USA, owned by Chrysler Lending is one of PAR North America's largest National clients. With Carmax these 3 companies have a somewhat monopoly on car sales. I bought my vehicle with almost a 50% down payment. Santander saw equity and opted to make a profit. My conversation and reading the companies posts to the online complaints is that PAR North America, Santander Consumer USA and Carmax believe they do not have to function with integrity and ethics in the communities they do business. My experience with these companies reveals these companies do not feel they must be accountable to anyone to function in normal and customary business manner such as, providing contact information and making agreements in writing. I believe PAR North America fails to have more complaints because they fail to provide any contact information within the business. When a customer calls they are stonewalled. Then PAR pretends they are only a third party and not responsible. Well they are responsible for who they choose to handle a customers' property. And, they are responsible for how their job is complete. PAR North America is very much liable for damages.

Below is my compliant:
My research shows Santander Consumer has 2119 open, unresolved complaints against them for deceptive, unfair actions at the Better Business Bureau (BBB) website. The Santander Consumer has a C+ rating at the BBB. They lost a class action court case, just last year, in May 2020, for unfair, deceptive, and misleading lending practices in 34 States. My complaint is for the same actions, business processes and procedures the court said Santander Consumer was to stop.

This is the BBB link to the FTC class action lawsuit for Santander Consumer that included State Attorneys from 34 States. The complaints in the class action and those listed in the current, open BBB complaints web site are the same that I experienced with Santander on the repossession of my car.
https://www.bbb.org/us/tx/dallas/profile/consumer-finance-companies/santander-co... /> Santander Consumer has a long history of deceptive servicing practices that actively mislead consumers about their rights, and risks of partial payments and loan extensions. In May 2020 the US Court told Santander to stop. Less than 1 year later I have the same experience listed in the Class Action Lawsuit.

Better Business Bureau, ( Retrieved from the Internet on April 13, 2021):
https://www.bbb.org/us/tx/dallas/profile/consumer-finance-companies/santander-co... />
Department of Justice, ( Retrieved from the Internet on April 13, 2021):
https://www.justice.gov/opa/pr/justice-department-reaches-settlement-santander-c... />
U.S. District Court for the Eastern District of Arkansas., Wilson et al. v. Santander Consumer USA, Inc. ( Retrieved from the Internet on April 13, 2021):
https://www.classaction.org/media/wilson-et-al-v-santander-consumer-usa-inc.pdf<... />
More legal problems with Santander Consumer misleading communication and deceptive practices:

CFPB ( Retrieved from the Internet on April 13, 2021):
https://www.consumerfinance.gov/enforcement/actions/santander-consumer-usa-inc-2... />
Deka Investment GmbH v. Santander Consumer USA Holdings Inc., ( Retrieved from the Internet on April 13, 2021):
http://scusasecuritiessettlement.com/

CLASS ACTION COMPLAINT FOR VIOLATIONS OF THE FEDERAL SECURITIES LAWS, ( Retrieved from the Internet on April 13, 2021):
https://www.rosenlegal.com/media/casestudy/561_Santander%20Web%20Complaint.pdf />
The following are Santander Consumer actions:
• Harassment ( Calling me daily, several times a day. Ignoring my requests when I tell them they are harassing me – asking them to stop. )
• Lying ( Making a verbal agreement for resuming my car payments. Then beginning repossession without my knowledge. Today Santander tells me my account was too new and I did not qualify for payment arrangements.)
• Refusing to verify agreements in writing. The company ‘party line’ is that the Santander process does not send anything in writing.’
• Changing my account selection from paperless to paper without my knowledge.
• Stopping me from making payments on my account.
• Failing to provide proper validation.
• Refuse to provide me itemized accounting of the fees.
• Refuse to reinstate my loan.
• Removing my car at 1:30am.
• Repossession of my vehicle without my knowing about the repossession activity.

Santander's actions and repossession of my car are against the following State and Federal laws:

State of Florida Statute Chapter 537

Fair Debt Collection Practices Act

Federal Trade Commission - FTC Act

The Electronic Signatures in Global and National Commerce Act or E-Sign Act

+1

A General Contractor (GC), in the United States Of America fulfills the Architects and Owners wishes to build a home,building, etc. If that dream house, building, garage, etc, is NOT built to the Architects request, which was agreed upon in contracts, than the General Contractor is liable for ALL subcontractors work because it was the General Contractors duties to MAKE SURE the contract was fulfilled as agreed upon. So if a financial institution hires a contractor (PAR OF NORTH AMERICA), and the Contractor (PAR OF NORTH AMERICA) chooses to subcontract work to unvetted, inbred, Tow Towing/Recovery agencies, who are consistently damaging property, in the name of "repossessions," the as a consumer I feel, PAR OF NORTH AMERICA should be held responsible for awarding subcontracts to companies who are not vetted and perform inferior work, but are STILL being awarded these contracts. These Towing companies are damaging property, denying such damage and their word is taken as TRUTH because they work hand in hand with their Contractor, "PAR OF NORTH AMERICA." PAR collects their $500 and change for receiving the contract, than passes the subcontract to inferior "Towing Companies" who will break into the financial institutions property, (your car), by any means necessary, cause damage to the "shift lock," re-key your chipped key, which has lock/unlock features plus a panic button and when you complain about it you will get a standard "PAR OF NORTH AMERICA" standard reply form. I advised my financial institution of "PARS" practice, but lets see how far that goes. It's a "good ole boy industry" so the financial institution contracts the "Repo" to "PAR OF NORTH AMERICA, to remove culpability than "PAR OF NORTH AMERICA" awards the subcontract to any towing company who is licensed, to remove MORE culpability than your car is repossessed by any means necessary and we as the consumer get shafted by having to repair all the damages: car chip being reprogrammed, shift lock being busted, flat tires when the toothless tow truck driver loads our vehicle on a flat bed, for towing, and CRANKS down on the straps securing the tires, causing the bead in the tire to break. Lets not forget having to have our door keys rekeyed, having to have our vehicles upholstery chairs steamed because the tow driver didn't change his diaper before sitting in your vehicle while attempting to make a duplicate key. "PAR OF NORTH AMERICA really needs to vet these companies and ban them after so many complaints. My repo runs by the name of AGR Recovery, out of SW Florida. This is the second time I've had the displeasure of forcibly being used by them. Once was for a police tow. They charged me over $150. The vehicle was towed maybe 5 miles, I was charged 2 days of storage, even though my vehicle was only there 20 hours. Their reason: The first 12 hours is considered 1day. Can you believe that? They also cracked my hub cap AND I had a flat because the toothless tow driver cranked down the winch a popped my seal on the bead of the tire. I had to bring it to a "Fix a Flat" and was advised that was where the leak was. I tried to bust his balls and brought him $150 in rolled quarters. He would not accept it even though it was U.S. currency. Please, stay FAR AWAY from "PAR OF NORTH AMERICA and AGR Recovery Services. Birds of a feather flock together...

I could not be more disappointed with the level of inefficiency I received both directly from Par North America or their subcontracted recovery service [redacted] After having my car repossessed I wasted calls to Par North America who I was directed to by my lien holder as the ones in charge of my repossessionIt took calls because Par North America could not determine what contractor had taken my vehicleThey knew where to find me and what vehicle to take but then had no idea where it wentAfter finally locating the proper vendor I experienced customer service worse than anything I have ever witnessed from their contracted vendor [redacted] I have documented this experience with [redacted] on every review site I could find In other reviews I have seen the rebuttal from Par North America that the companies clients experience are independent contractors and Par North America cannot be held responsible for contractorsYou are the ones that contract out to themEither you do no research on the companies you do business with, you have no concern for your client's overall experience or worse they are the cheapest because of their terrible service and you wish to cut corners on cost and use them anywaysRegardless of what reason it is, ignorance is not an excuse and I'm deeply disappointed by the treatment I received

+1

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossessionPAR did not take part in the physical act of repossessing Ms [redacted] vehiclePAR cannot and does not control the action of its subcontractorsHer vehicle was retrieved from her lien holder’s auction vendor, [redacted] ), and all claims of damage to the vehicle should be directed to that entityAll of Ms [redacted] lien holder’s records related to the condition of this vehicle at time of repossession show none of the alleged damageMs [redacted] may directly contact the repossession agent that repossessed the vehicle – [redacted] , [redacted]

PAR has already been in touch with Mr [redacted] directly on 08/13/and addressed this issue We consider it resolved

Vehicle Identification Number [redacted]

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossession PAR did not take part in the physical act of repossessing Ms [redacted] vehicle PAR cannot and does not control the action of its subcontractors As PAR is not in possession of the vehicle and any alleged property contained within it, we cannot speak to facts of what was actually in the vehicle at the time of repossession Ms [redacted] should either continue to work with the subcontracted repossession agent, ASAP Towing, or file a stolen property report with the police to have the issue investigated

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossession The subcontracted repossession agent that repossessed Ms***’s vehicle is [redacted] PAR has never been in possession of Ms***’s vehicle, nor any possible property contained within it PAR has been provided with no proof that a set of headphones was present in Ms***’s vehicle at the time of repossession Ms [redacted] also signed a release when she retrieved her items that were located within the vehicle that stated she received all items that were in the vehicle at the time of repossession We believe the appropriate step for Ms [redacted] to take at this point is to file a stolen property report with her local police station, and provide them with the contact information and address of [redacted] to investigate PAR has closed this issue Thank you, [redacted] ***/ Compliance Manager/PAR North America

Please see attachedThank you, Jessie H [redacted] *** Woodland Drive Suite Indianapolis, IN (317) 818-Fax (317) 843-www.parnorthamerica.com August 9, Revdex.com Case ID [redacted] Central Indiana N Delaware St #Indianapolis, IN 46204- To Whom It May Concern, PAR is a “forwarder” that connects lenders to licensed repossession agencies throughout the United StatesThe independent repossession agencies perform the actual repossession of vehiclesPAR does not take part in the physical act of repossessing vehiclesIn this instance, [redacted] [redacted] *** initiated the repossession of [redacted] [redacted] ’s vehicle by requesting that PAR perform its forwarding service by forwarding the repossession task to a local repossession agency [redacted] [redacted] , a local repossession agency, accepted [redacted] [redacted] ***’s repossession request PAR received a complaint from Ms [redacted] via email on July 11, in regards to VIN [redacted] Her complaint dictated that her grandmother’s driveway was damaged during repossessionPAR followed its standard complaint procedures in addressing Ms [redacted] ’s complaint: A statement of fact and supporting documentation were requested from [redacted] [redacted] and Ms [redacted] , and both were reviewed PAR delivered the resolution to Ms [redacted] on July 26, via voicemailAfter providing the resolution, because Ms [redacted] ’s complaint is alleged damage to property, Ms [redacted] was instructed to contact [redacted] [redacted] if she desired to pursue the complaint furtherBased on the foregoing, PAR respectfully declines to take any further action with respect to Ms [redacted] ’s complaint Sincerely, Jessie H [redacted] *** Director of Compliance PAR North America

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossessionPAR did not take part in the physical act of repossessing Ms [redacted] vehicle, or the inventorying of her personal property within the vehiclePAR cannot and does not control the action of its subcontractorsBoth PAR and the repossession agent that repossessed this vehicle, United Auto Recovery reviewed Ms [redacted] complaint and advised her of our findings directlyThis issues is closed in our system

PAR is a repossession... forwarding service which uses subcontracted repossession agents to perform the actual repossession. PAR did not take part in the physical act of repossessing Ms. [redacted] vehicle. PAR cannot and does not control the action of its subcontractors. Ms. [redacted] vehicle was retrieved from a third party auction company with the alleged damages, not from the possession of PAR’s subcontracted repossession agent. PAR’s records and files show the vehicle did not have the alleged damage while in possession of our subcontracted repossession agent. Ms. [redacted] should reach out to the auction company she retrieved her vehicle from as our records show the damage would have been caused by the auction or its transporter. If Ms. [redacted] does not have their name and contact information, she should be able to obtain those details from her lien holder.

PAR is unable to review and respond to this complaint, as we are unable to determine account details in our system with the information provided. PAR will need the VIN of the repossessed vehicle to provide a response

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossession PAR did not take part in the physical act of repossessing Ms*** vehicle. PAR cannot and does
not control the action of its subcontractors. As PAR is not in possession of the vehicle and any alleged property contained within it, we cannot speak to facts of what was actually in the vehicle at the time of repossession Ms*** should either continue to work with the subcontracted repossession agent, ASAP Towing, or file a stolen property report with the police to have the issue investigated

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear belowI don't understand how yall closed my case and these people par north America hired to towed the truck robbed me blind, this is crazy I get no help from no one everything is about money and Lawyers wow
Regards,
*** ***

Please note that PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossessionPAR does not
require these repossession agents to charge any specific administrative fees for the release of personal property, except to provide maximums allowed should a state allow for an administrative fee to be charged
Thank you,
Chris B***
Compliance Manager

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossession PAR did not take part in the physical act of repossessing Mr*** vehicle. PAR cannot and does not control the action of its subcontractors. Any claims
of damage to this vehicle should be directed to the repossession agency that picked up the vehicle, Westmark Asset Recovery, 214-453-3900. As for rental costs, Mr*** will need to discuss reimbursement with Santander Consumer USA, 888-222-4227, as they were the entity that directed PAR to coordinate the repossession of the vehicle, and provided the directions to release the vehicle

January 26, 2016Revdex.comCase ID ***Central IndianaN Delaware St #2020Indianapolis, IN 46204-2599To Whom It May Concern,PAR is a “forwarder” that connects lenders to licensed repossession agencies throughout the UnitedStatesIn this instance, *** *** ***
initiated the repossession of Ms***’svehicle by requesting that PAR perform its forwarding service by assigning the repossession task to aFlorida repossession agency*** *** *** was tasked with performing this particularrepossession.The independent repossession agencies perform the actual repossession of vehiclesPAR does nottake part in the physical act of repossessing vehiclesHowever, PAR reviewed Ms***’scomplaint of trespassing against *** *** *** and resolved Ms***’s complaint onJanuary 17, As part of the resolution, Ms*** was notified that PAR was unable to find*** *** *** at fault in this matter and if Ms*** would like to further the complaintshe may contact *** *** *** directly.As a repossession forwarder, PAR is provided limited information on the consumer and their accountwith the lenderAlthough a lender’s engagement of PAR for repossession forwarding services impliesthat the consumer’s account is in default, as an added protection to the consumer’s privacy, PAR isprovided little to no information by lenders about the status of an account or its history for anyvehicle assigned for repossession forwarding servicesAs a result, any communication by Ms.*** to PAR indicating that her vehicle should not have been repossessed would result in PARreferring Ms*** to contact her lienholder, *** *** ***.Because the substance of Ms***’s complaint is alleged damage to her property, PAR again willdirect her to the repossession agency, *** *** ***In regards to her dispute as towhether the vehicle should have been repossessed or regarding any payments, PAR must direct Ms.*** to her lienholder, *** *** ***Based on the foregoing, PAR respectfullydeclines to take any further action with respect to Ms***’s complaint.Sincerely,Jessie H*** ***Directory of CompliancePAR North America

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** *** In the State of new york youre not be charge fpr anything even adminstartive fees l still dont have my personnel property an they are responsible because there the one who hired this company not me they should have check out there procedduee before hiring them my next step is what kind of legal action l can take against them they need to read the repossiessin laws that clearly state that you cant be charge for youre personnel belonging left in vechile

+1

PAR is a repossession forwarding service which uses subcontracted repossession agents to perform the actual repossession PAR did not take part in the physical act of repossessing Mr***’s vehicle. PAR cannot and does not
control the action of its subcontractors. PAR has investigated Mr***’s claim, and could not substantiate it. PAR and our subcontractor would not file an insurance claim against Mr***’s insurance for any damage on the vehicle

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Address: 7835 Woodland Drive, Indianapolis, Pennsylvania, United States, 46278-2716

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