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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In July/2013 I had a car financed through Santander Consumer USA. The loan was $318.83/month for 72 months. I did fully complete the loan. In fact, I actually paid more than the loan value as I was late a few times for medical reasons. So, I paid the late fees and paid the accrued interest. When I called Santander for my title, I was informed that I still owed just under $11,000.This is FALSE! I pulled my paperwork and accounted for over $27000 in payments. In September of 2019 they stole(repossessed) my car. What now?
Product_Or_Service: Auto loan
Other (requires explanation) Well, I was forced to purchase another vehicle, so I don't want my old car back. I would like to see a FULL refund of all the money I paid Santander.Thank you.
May 13, 2019
*** E. ***
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on June 25, 2013 in connection with the purchase of a 2011 KIA Soul (Vehicle). The amount financed was $13,803.43 at an annual percentage rate of 18.23% with 72 monthly payments of $318.33 each. The Contract was assigned to Santander.
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.
Over the life of the account you requested and were granted a total of 8 monthly payment extensions, a due date change and a temporary modification, which lowered your payments for a term of 6 months. In some months, no payment was received, or the payment received was less than the contracted monthly payment amount. In addition, payments were submitted late to the account, of which, 43 were paid more than 10 days late, which caused late fees to be assessed to the account.
Please be advised that interest does not stop accruing when there has been payment assistance granted on the account or when payments are late or no payments are received. There is no grace period for the accrual of interest.
Due to the payment assistance and payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the 72 month contracted payment schedule, the principal balance would have been less.
Our records indicate that a letter titled "Notice of Right to Cure Default and Requirement of Strict Compliance" (RTC) dated July 08, 2019 was mailed to the address on file, stating that the account was in default and if not cured by July 22, 2019 we would take possession of the Vehicle.
The default was not cured and the Vehicle was repossessed on September 23, 2019 when the account was 128 days past due. After the repossession, a letter titled "Notice of Repossession and Notice of Our Plan to Sell Property" (NOI), dated September 23, 2019, was mailed to you at the address on file, explaining that the Vehicle would be sold sometime after October 7, 2019, but also gave you the opportunity to redeem the Vehicle.
The Vehicle was not redeemed and was sold at auction. After the sale, a letter titled, "Explanation of Calculation of Surplus or Deficiency" (Deficiency Letter) was mailed to address on file, dated December 1, 2019 which advised how the sale proceeds were applied to the account and that there was a remaining balance owed on the account.
As of the date of this correspondence the remaining principal balance is $7, 048.63, interest in the amount of $333.58, late fees in the amount of $608.07 and miscellaneous fees in the amount of $625.00.
We respectfully decline to refund any amount previously paid to Santander as an outstanding balance remains on the account.
Enclosed please find copies of the Contract, Payment History, RTC, NOI and Deficiency Letters for your review.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I paid off my venicle since 2019 and has not received my Lein Release documents. The company kept turning me back and forth
My vehicle is accruing storage fees daly and this company has failed to send or email my document since two weeks that I started asking for this. I have spoken to more than 15 people on this matter. It takes a click to send an email to stop this storage fees, why would I not get the document? They often use COVID-19 as excuse but I am only requesting an electronic document for now, which is only a click. I should not have to suffer because I was responsible to pay off this loan without a single day default, they should be responsible to to send my document whether on request or not.
Email me the copy of the lein release document Send to my address a hard copy
May 13, 2020
***
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear ***:
We have received your complaint submitted through 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.
Please note that effective March 2, 2020 Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. Your lien release should have been provided by Gateway prior to the conversion.
After further review your account was paid in full on October, 4 2019 in the amount of $330.89 via debit card.
On April 24, 2020 you spoke with a representative in our titles department in which advised of time period to send out a lien of release. Furthermore the lien of release was sent to the incorrect email in which we had to verify again. Therefore a lien of release was FedEx (Tracking# XXXXXXXXXXXX) to the address on file on May 4, 2020 and we have confirmed it was received on May 5, 2020, in addition was sent via email.
Additionally we do have record of you attempting to obtain a release of lien with several representatives. Please note due to COVID -19 we are experiencing high call volume. We regret any inconvenience and misunderstanding that you may have experienced in attempting to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
We believe that this matter has been resolved. If further assistance is needed, please contact us at 888 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
I made 2 payments the week of March 2nd for $271.93 each. One was made to Gateway One on March 2nd and the other to Santander on March 6th.
I made 2 payments the week of March 2nd for $271.93 each. One was made to Gateway One on March 2nd and the other to Santander on March 6th. When I made the payment to Gateway One, I did not know that they sold my account to Santander until March 6th.. My payment with Santander posted to their account, but my payment to Gateway was never transferred nor would Santander give me credit for it. I faxed my bank statement and never received credit. I was told that it would take a few days. Its been over a month. I have called several times and each agent whose English is not that great sees a payment on March 6th and thinks that its the only payment I made. I have asked to speak with a supervisor and was told that I should wait until the payment posts.
To convince Santander that I should receive a credit to my account for $271.92.
12, 2020
***
P.O. Box XXXXX
Charleston, SC XXXXX
Re: Revdex.com Complaint No.: XXXXXXXX
Santander Account No.: ***0747
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Please accept our apologies for any misinformation you *** have received regarding the payments that have posted to your account when speaking with our representatives, and for any inconvenience you *** have experienced while trying to obtain a resolution for your concerns during the conversion.
Please note that effective March 2, 2020, all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. We provided notice of the conversion of your Gateway account to Santander in a letter sent to you dated February 21, 2020.
We have reviewed our records, along with the Payment History, and have confirmed that your account has been credited for 49 total payments, including the two most recent payments indicated on the bank records you supplied along with your complaint.
Please note that the $271.93 payment posted to your bank account dated March 2, 2020 (Gateway) indicates on your account effective February 28, 2020. Additionally, the $271.93 payment posted to your bank account dated March 9, 2020 indicates on your account effective March 6, 2020.
As we have confirmed that the account balance indicates all of your payments have been correctly applied, we respectfully decline your request to make any adjustments to the account.
Enclosed is a copy of the Payment History and Conversion Letter.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Santander is announcing an inappropriate balance on each of the 3 Credit Bureaus GAAP insurance settlement for stolen vehicle is paid as agreed
Santander is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is $13,423 This car was
reported as stolen in November XX XXXX GAAP insurance Company JM&A Group released $10,304.00 to SANTANDER CONSUMER
USA for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that Santander is reporting
A balance of $13,423 to deceive me into paying them the extra money for a stolen vehicle.
Santander has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately.
Then they listed the account as a chargeoff which took my credit score down even more.
I want Santander to report this Account as Paid as Agreed never late, Delete the Late payments showing on my historical payment data grid, The months payments were not received it was because my GAAP payment was yet to be released until pending until my personal documents were submitted
12, 2020
***
*** Way
***, SC XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com) regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for this opportunity to address your concerns.
Our records indicate that we previously responded to similar Consumer Financial Protection Bureau (CFPB) complaint dated *** 11, 2020 (CFPB Case No. XXXXXX-XXXXXXX).
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on July 26, 2014 in connection with the purchase of a 2014 Honda CR-V (Vehicle). The amount financed was $28,635.95 at an annual percentage rate of 18.00%. The payment schedule called for 72 monthly payments of $657.63 each, with the first payment due on September 9, 2014. The Contract was assigned to Santander.
In regard the total amount to be paid on the Vehicle, we refer you to the Federal Truth-in-Lending Disclosures on Page 1 of the Contract. Under the section titled "Finance Charge", the dollar amount that the credit will cost you, is $18,713.41, plus the "Amount Financed" of $28,635.95, equals the "Total of Payments", which indicates the amount of $47,349.36. This is the amount you would have paid if all payments had been made according to the 72 month payment schedule set forth in the Contract.
We have determined that the reduction of the principal balance on your account 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 from the date the Contract is signed 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.
When a payment is received, the outstanding accrued interest must be satisfied first, then the remainder of the payment is applied toward principal and any fees owed on the account.
Over the life of the account, you requested and were granted 8 monthly payment extension, a Temporary Modification and a due date change. In addition, 25 late payment fees have also been assessed to the account in accordance with the account Contract.
Due to the payment assistance and payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the 72 month contracted payment schedule, the principal balance would have been less.
Our records indicate that the Vehicle was deemed a total loss on or about November 24, 2019. On that date, the outstanding principal balance on the account was $22,446.28 which did not include outstanding interest or fees owed, if any.
Please be advised that it is the customer is responsible to continue to make regular payments on the account until all insurance proceeds are received and the account indicates a zero balance. The last payment posted to the account on December 11, 2019 in an amount of $200.00 and was applied to your payment due October 24, 2019. Non-payment of the outstanding balance *** result in negative credit reporting.
The enclosed Payment History indicates that a Total Loss Insurance payment in the amount of $10,304.00, posted to the account on March 3, 2020 with an effective date of March 3, 2020. This total loss payment brought the account current and reduced the remaining principal balance to $12,142.28.
Enclosed please find a copy of correspondence that was mailed to you dated April 16, 2020 advising you of the completed review from the Guaranteed Asset Protection Insurance (GAP) informing that there is no amount available to be credited to any outstanding balance. Please note that Santander does not determine the amount and insurance carrier or GAP administrator will pay on the account. Any concerns regarding their determination should be directed to the GAP provider.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to the credit reporting agencies shows that on March 31, 2020 the account was reported as Charged Off with a balance of $13,423.00. The account charged off on February 29, 2020 when the account became over 120 past due.
We respectfully decline to make any adjustments to the account remaining balance or to make any changes to the information being reported on the account as we have confirmed that the information reported matches our records.
As of the date of this correspondence, the estimated amount to payoff the account is $13,423.58 which is valid through *** 25, 2020. This payoff amount is subject to a final reconciliation and accounting and *** change if there are returned payments or fees assessed on the account within 30 days of this quote.
Enclosed is a copy of the Contract, Temporary Modification, Correspondence dated April 16, 2020, Payment History and Payoff Quote.
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 WORST company to get a auto loan. They are money hungry!!! They care nothing about their customers. They put false information on your credit report.
The WORST company to get a auto loan. They are money hungry!!! They care nothing about their customers. They put false information on your credit report.
See attached
Click here to Get the File - use the Password: ***
https://bluecomplaints.Revdex.com.org/attachment/?c=XXXXXXXX
Other (requires explanation) See attached
14, 2020
***
*** Box ***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding your Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
According to our records, you entered into a Motor Vehicle Retail Installment Sale Contract (Contract) on February 3, 2016 in connection with financing the purchase of a 2013 Nissan Altima (Vehicle). The amount financed was $12,900.00 at an annual percentage rate of 20.64% with 72 monthly payments of $316.45 each. Santander was the assignee of the Contract.
No payments were ever received on the account. Our records indicate that On March 18, 2016, we learned the Vehicle had been impounded by the City of Chicago. The total amount to secure the Vehicle was listed as $1,421.45 as of March 22, 2016.
On March 24, 2016, our Customer Service Department, made contact with you we explained the Vehicle would be secured from the City of Chicago Impound Department. On March 31, 2016, the Vehicle was secured.
After the repossession, we mailed a letter to the address; XXXXX *** XXXXX-XXXX titled, "Notice of Our Plan to Sell Property" (NOI), dated April 01, 2016 which advised that the Vehicle would be sold sometime after April 25, 2016 if not redeemed, due to failure to keep the Vehicle free from encumbrances and liens as required in the Contract. The Vehicle was not redeemed and was sold at auction.
After the sale a Deficiency letter was mailed to the address on file dated May 23, 2016, explaining the Vehicle was sold at auction on April 27, 2016 and the resulting deficiency balance, in the total amount of $5,765.27.
Upon review, we are unable to substantiate your statement that you were refused calls, and or disconnected when you made an attempt to contact our office. A review of our records indicate that March 24 2016, was the last physical contact you made with our Customer Service Department, We are unable to validate that you were advised by our Customer Service Representative that we had no records of your account.
In reference to your statement that you have made monthly payments, enclosed is a copy of the Payment History, which will confirm all posted payments to the account. If after reviewing, if you believe that this is inaccurate and can provide any receipts, running bank statements or front and back copy of checks payable to Santander, we will review this matter further. Please send your documentation through the Revdex.com portal. Once received we will review and respond accordingly.
As of the date of this correspondence the account payoff amount is $5,498.72, which is good until May 27, 2020.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
As a matter of information, Santander has current policies and procedures that meet the Federal and State requirements necessary to be in compliance with certain debt collection practices, as it is Santander's objective to protect its customers from unfair debt collection acts.
A review of the information provided to the credit reporting agencies shows that on April 30, 2020, we reported the account as Closed/Charge Off with a balance of $5,498.00. The account began reporting as Charged Off on April 30, 2016, after the Vehicle was sold at auction. The account will continue to report as charged off until the account is paid off, settled for less than the full balance or until the time limit for reporting has expired.
We respectfully decline to change or remove the information being reported to the credit reporting agencies, as the information matches our records.
Enclosed is a copy of the Contract, Payment History, Payoff Letter and NOI and Deficiency letters.
Thank you again for 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
account waz written off as a charge off on my credit years ago. They reopened it and show past due. Havent contacted them period. Destroyed credit
My account waz written off as a charge off on my credit years ago. They reopened it and show past due. Havent contacted them period. Destroyed credit that I was finally starting to get to a decent number. Now that they have somehow reopened my account it tookmy score for almost 630 to about 570 and its dropping everytime it updates. This cant possibly be legal and if it is ill write every politician that cares about us veterans to have it changed so that its not legal. I need them to fix this immediately.
Remove what they just recently did so that i can fix the damage again.
March 11, 2020
***
2104 Hinkle Ave.
Killeen, TX XXXXX-XXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***1397
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA, Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
After further review your account status was reporting incorrectly as past due instead of charged off therefore changes have been submitted to ensure accuracy in your reporting. However your account has not been paid in full in which is considered an open/charged off account and not a closed charged off account. We apologize for any inconvenience this matter *** have caused.
Additionally, your account charged off on February 28, 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 *** continue to be reported as a Charge Off, until the time limit for reporting has been reached.
Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports including any inconsistencies identified.
A review of the information provided to the credit reporting agencies indicates that on *** 11, 2020, we requested an update to report the account as open/charged off with a balance of $9, 945.00.
The update was submitted under AUD: XXXXXXXX which number you *** use for any contact you *** have with the credit reporting agencies to confirm the update.
We hope that the explanation provided above is satisfactory to you. If further assistance is needed, please contact us directly at X(XXX) XXX.4227
Sincerely,
SANTANDER CONSUMER USA INC.
Paying over 40,000 for an 18,000 car that had a 60 month agreement (5 years). I've now had the car for 8 years & still paying on 9,788.34.
Paying over 40,000 for an 18,000 car that had a 60 month agreement (5 years). I've now had the car for 8 years & still paying on 9,788.34. I have spoken with an account manager named Talosha *** on several occasions about requesting a removal of the 5,000. Today, I spoke with a supervisor named Jamie, ID # XXXXXX. Jamie offered to submit a request for some fees to be waived. She said that it would not be a substantial amount, if approved. At this point, I'm highly burdened with the unclear leasing terms of this company, it has been a complete nightmare. Being that I've had the car for almost 8 years, it's almost time for a new one. I cannot get ahead because of what's owed on this vehicle. Today, for the 1st time I was made aware that interest is charged daily. I want/need out of this urgently. Also, doesn't seem that they ever factored in the 3,000 or so that put down on the vehicle in 2012.
I would like for Santander Consumer USA to waive 5,000 of what's owed on this vehicle, so that I can pay it off and move forward with my life.
13, 2020
***
XXXXX *** Circle
***, TN XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you entered into a Retail Installment Contract (Contract) on October 4, 2012 in connection with the purchase of a 2009 Ford Mustang (Vehicle). The amount financed was $16,404.86, at an annual percentage rate (APR) of 24.99% with a monthly payment of $446.40 beginning November 18, 2012. A cash down payment was listed on your Contract in the amount of $3,000.00. The Contract was assigned to Santander.
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 understand 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. Please note that as accrued interest is based on the principal balance, the portion of each payment applied toward interest will generally decrease as the principal balance decreases.
Over the life of the account you requested and were granted a total of 8 monthly payment extensions and 1 due date change. In addition, payments were submitted late to the account, of which, 17 were not paid within 10 days of the scheduled due date, which caused late fees to be assessed to the account in the amount of $358.69. In addition, 3 payments were returned for non-sufficient funds. In some months either no payment was received. Please note that, as a courtesy, all late fees have been waived on the account.
Please be advised that interest does not stop accruing when there has been payment assistance granted on the account or when payments are late or not received. There is no grace period for the accrual of interest.
Due to the payment assistance and payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the contracted payment schedule, the principal balance would have been less.
The original maturity date was October 18, 2018. With the above-referenced assistance, the revised maturity date is now June 16, 2020. If a balance remains once the account reaches the maturity date, to avoid the customer having to pay one large balloon payment; Santander will allow the customer to continue to submit their regular monthly payment to the account until the balance is paid in full. If payments received are in line with the Contract agreement, Santander will continue to advance the maturity date on the account.
As of the date of this correspondence, the principal balance on the account has been reduced from $16,404.86 to $8,218.16. Additionally, your account is 27 days past due and you are currently due for your April 16, 2020 through May 16, 2020 payments.
We respectfully decline to make any adjustments, waive $5,000.00 from your account or consider the account paid in full, as we have determined that the balance is accurate and payments have been allocated to principal and interest correctly.
Enclosed is a copy of the Contract and Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed regarding your account and an extension, please contact us directly at (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing cannot be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested "validation" (not verification) of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove:
1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can
open an account under my name for which a bill is produced, but that
doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists
of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing cannot be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested "validation" (not verification) of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove: 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
March 11, 2020
*** Lena ***
Port Saint Lucie, Florida XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***2592
Dear *** Lena ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA, Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records show your account was sold to a third party, NCB Management Services Inc. on February 26, 2020.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on February 27, 2015 in connection with the purchase of a 2013 Nissan Sentra (Vehicle). The amount financed was $16, 630.01 at an APR of 18.23%. The Contract was assigned to Santander.
Our records indicate that on March 8, 2019, the Vehicle was repossessed due to the account being 105 days past due. The Vehicle was not redeemed and was sold at auction on April 10, 2019. After the sale, a letter titled, "Explanation of Calculation of Surplus or Deficiency" (Deficiency Letter) was mailed to address on file, dated April 29, 2019 which advised that there was a remaining balance owed on the account.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports including any inconsistencies identified.
A review of the information provided to the credit reporting agencies indicates that on February 29, 2020, we reported the account as Closed/ Charged off Sold to NCB Management Services Inc. with a zero balance. The account charged off on March 31, 2019 when the account reached over 120 days past due.
We respectfully decline your request to make any changes to the information reported on the account as the information reported matches our records.
Enclosed are copies of your Contract, Payment History, Deficiency Letter and Sold Account Letter which validate the debt.
Thank you again for the opportunity to address your concerns. For all future requests and inquiries, please contact NCB Management Services Inc. directly at X(XXX) XXX.5400.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
See attached
Click here to Get the File - use the Password: ***
https://bluecomplaints.Revdex.com.org/attachment/?c=XXXXXXXX
Other (requires explanation) See attached
14, 2020
***
*** Box ***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding your Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
According to our records, you entered into a Motor Vehicle Retail Installment Sale Contract (Contract) on February 3, 2016 in connection with financing the purchase of a 2013 Nissan Altima (Vehicle). The amount financed was $12,900.00 at an annual percentage rate of 20.64% with 72 monthly payments of $316.45 each. Santander was the assignee of the Contract.
No payments were ever received on the account. Our records indicate that On March 18, 2016, we learned the Vehicle had been impounded by the City of Chicago. The total amount to secure the Vehicle was listed as $1,421.45 as of March 22, 2016.
On March 24, 2016, our Customer Service Department, made contact with you we explained the Vehicle would be secured from the City of Chicago Impound Department. On March 31, 2016, the Vehicle was secured.
After the repossession, we mailed a letter to the address; XXXXX *** XXXXX-XXXX titled, "Notice of Our Plan to Sell Property" (NOI), dated April 01, 2016 which advised that the Vehicle would be sold sometime after April 25, 2016 if not redeemed, due to failure to keep the Vehicle free from encumbrances and liens as required in the Contract. The Vehicle was not redeemed and was sold at auction.
After the sale a Deficiency letter was mailed to the address on file dated May 23, 2016, explaining the Vehicle was sold at auction on April 27, 2016 and the resulting deficiency balance, in the total amount of $5,765.27.
Upon review, we are unable to substantiate your statement that you were refused calls, and or disconnected when you made an attempt to contact our office. A review of our records indicate that March 24 2016, was the last physical contact you made with our Customer Service Department, We are unable to validate that you were advised by our Customer Service Representative that we had no records of your account.
In reference to your statement that you have made monthly payments, enclosed is a copy of the Payment History, which will confirm all posted payments to the account. If after reviewing, if you believe that this is inaccurate and can provide any receipts, running bank statements or front and back copy of checks payable to Santander, we will review this matter further. Please send your documentation through the Revdex.com portal. Once received we will review and respond accordingly.
As of the date of this correspondence the account payoff amount is $5,498.72, which is good until May 27, 2020.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
As a matter of information, Santander has current policies and procedures that meet the Federal and State requirements necessary to be in compliance with certain debt collection practices, as it is Santander's objective to protect its customers from unfair debt collection acts.
A review of the information provided to the credit reporting agencies shows that on April 30, 2020, we reported the account as Closed/Charge Off with a balance of $5,498.00. The account began reporting as Charged Off on April 30, 2016, after the Vehicle was sold at auction. The account will continue to report as charged off until the account is paid off, settled for less than the full balance or until the time limit for reporting has expired.
We respectfully decline to change or remove the information being reported to the credit reporting agencies, as the information matches our records.
Enclosed is a copy of the Contract, Payment History, Payoff Letter and NOI and Deficiency letters.
Thank you again for 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
Paying over 40,000 for an 18,000 car that had a 60 month agreement (5 years). I've now had the car for 8 years & still paying on 9,788.34.
Paying over 40,000 for an 18,000 car that had a 60 month agreement (5 years). I've now had the car for 8 years & still paying on 9,788.34. I have spoken with an account manager named Talosha *** on several occasions about requesting a removal of the 5,000. Today, I spoke with a supervisor named Jamie, ID # XXXXXX. Jamie offered to submit a request for some fees to be waived. She said that it would not be a substantial amount, if approved. At this point, I'm highly burdened with the unclear leasing terms of this company, it has been a complete nightmare. Being that I've had the car for almost 8 years, it's almost time for a new one. I cannot get ahead because of what's owed on this vehicle. Today, for the 1st time I was made aware that interest is charged daily. I want/need out of this urgently. Also, doesn't seem that they ever factored in the 3,000 or so that put down on the vehicle in 2012.
I would like for Santander Consumer USA to waive 5,000 of what's owed on this vehicle, so that I can pay it off and move forward with my life.
13, 2020
***
XXXXX *** Circle
***, TN XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you entered into a Retail Installment Contract (Contract) on October 4, 2012 in connection with the purchase of a 2009 Ford Mustang (Vehicle). The amount financed was $16,404.86, at an annual percentage rate (APR) of 24.99% with a monthly payment of $446.40 beginning November 18, 2012. A cash down payment was listed on your Contract in the amount of $3,000.00. The Contract was assigned to Santander.
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 understand 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. Please note that as accrued interest is based on the principal balance, the portion of each payment applied toward interest will generally decrease as the principal balance decreases.
Over the life of the account you requested and were granted a total of 8 monthly payment extensions and 1 due date change. In addition, payments were submitted late to the account, of which, 17 were not paid within 10 days of the scheduled due date, which caused late fees to be assessed to the account in the amount of $358.69. In addition, 3 payments were returned for non-sufficient funds. In some months either no payment was received. Please note that, as a courtesy, all late fees have been waived on the account.
Please be advised that interest does not stop accruing when there has been payment assistance granted on the account or when payments are late or not received. There is no grace period for the accrual of interest.
Due to the payment assistance and payment pattern, more interest accrued between payments, causing the principal balance to reduce more slowly. If payments had been submitted in a timely manner, according to the contracted payment schedule, the principal balance would have been less.
The original maturity date was October 18, 2018. With the above-referenced assistance, the revised maturity date is now June 16, 2020. If a balance remains once the account reaches the maturity date, to avoid the customer having to pay one large balloon payment; Santander will allow the customer to continue to submit their regular monthly payment to the account until the balance is paid in full. If payments received are in line with the Contract agreement, Santander will continue to advance the maturity date on the account.
As of the date of this correspondence, the principal balance on the account has been reduced from $16,404.86 to $8,218.16. Additionally, your account is 27 days past due and you are currently due for your April 16, 2020 through May 16, 2020 payments.
We respectfully decline to make any adjustments, waive $5,000.00 from your account or consider the account paid in full, as we have determined that the balance is accurate and payments have been allocated to principal and interest correctly.
Enclosed is a copy of the Contract and Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed regarding your account and an extension, please contact us directly at (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
account waz written off as a charge off on my credit years ago. They reopened it and show past due. Havent contacted them period. Destroyed credit
My account waz written off as a charge off on my credit years ago. They reopened it and show past due. Havent contacted them period. Destroyed credit that I was finally starting to get to a decent number. Now that they have somehow reopened my account it tookmy score for almost 630 to about 570 and its dropping everytime it updates. This cant possibly be legal and if it is ill write every politician that cares about us veterans to have it changed so that its not legal. I need them to fix this immediately.
Remove what they just recently did so that i can fix the damage again.
March 11, 2020
***
2104 Hinkle Ave.
Killeen, TX XXXXX-XXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***1397
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA, Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
After further review your account status was reporting incorrectly as past due instead of charged off therefore changes have been submitted to ensure accuracy in your reporting. However your account has not been paid in full in which is considered an open/charged off account and not a closed charged off account. We apologize for any inconvenience this matter *** have caused.
Additionally, your account charged off on February 28, 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 *** continue to be reported as a Charge Off, until the time limit for reporting has been reached.
Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports including any inconsistencies identified.
A review of the information provided to the credit reporting agencies indicates that on *** 11, 2020, we requested an update to report the account as open/charged off with a balance of $9, 945.00.
The update was submitted under AUD: XXXXXXXX which number you *** use for any contact you *** have with the credit reporting agencies to confirm the update.
We hope that the explanation provided above is satisfactory to you. If further assistance is needed, please contact us directly at X(XXX) XXX.4227
Sincerely,
SANTANDER CONSUMER USA INC.
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing cannot be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested "validation" (not verification) of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove:
1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can
open an account under my name for which a bill is produced, but that
doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists
of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing cannot be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested "validation" (not verification) of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove: 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
March 11, 2020
*** Lena ***
Port Saint Lucie, Florida XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***2592
Dear *** Lena ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA, Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records show your account was sold to a third party, NCB Management Services Inc. on February 26, 2020.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on February 27, 2015 in connection with the purchase of a 2013 Nissan Sentra (Vehicle). The amount financed was $16, 630.01 at an APR of 18.23%. The Contract was assigned to Santander.
Our records indicate that on March 8, 2019, the Vehicle was repossessed due to the account being 105 days past due. The Vehicle was not redeemed and was sold at auction on April 10, 2019. After the sale, a letter titled, "Explanation of Calculation of Surplus or Deficiency" (Deficiency Letter) was mailed to address on file, dated April 29, 2019 which advised that there was a remaining balance owed on the account.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports including any inconsistencies identified.
A review of the information provided to the credit reporting agencies indicates that on February 29, 2020, we reported the account as Closed/ Charged off Sold to NCB Management Services Inc. with a zero balance. The account charged off on March 31, 2019 when the account reached over 120 days past due.
We respectfully decline your request to make any changes to the information reported on the account as the information reported matches our records.
Enclosed are copies of your Contract, Payment History, Deficiency Letter and Sold Account Letter which validate the debt.
Thank you again for the opportunity to address your concerns. For all future requests and inquiries, please contact NCB Management Services Inc. directly at X(XXX) XXX.5400.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
The vehicle in question was voluntarily returned. The balance that is owed is not correct. They resold the vehicle.
Three Santander representatives confirmed that the vehicle was in fact returned and resold. The last representative that I spoke with said that the vehicle was only sold for $700, which left my balance at $6,550. Now, after two years of not having the vehicle, Santander sold the "remainder" of the loan to NCB Management Services. I feel that they sold the vehicle for more than $700 and that the amount owed is incorrect.
The account with Santander was closed for two years. Now there is a collection account. I would like the collection account removed from my credit report.
May 11, 2020
***
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), with Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Please be advised that we have reviewed our records with the information provided in the complaint, and, unfortunately, we were unable to locate the account in question.
In an effort to resolve this matter quickly, please provide additional information such as: the full Santander account number, most recent billing statement, your complete social security number, the full Vehicle Identification Number (VIN), any former names the account could be listed under or any other information you may have so we may review this matter further.
For a prompt response to your request, you may send the requested information through the Revdex.com.
Once the information is received, we will review the matter further and respond accordingly.
If further assistance is needed, please contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Not applying pay off amount and closing my account.
This company holds the loan to my 2013 Kia Soul. The car was totaled in an accident on 3/15/2020. My insurance company, Geico, issued a payoff loan check #XXXXXXXXX in the amount of $2041.14 on April 3, 2020. They were told the payoff amount was good until 4/17/2020. I kept checking my account online to see when my account would clear. Another payment was due on April 20th for 187.77. I kept calling Santander to find out what was going on. They kept telling me they didn't receive the check. The balance was still showing. They told me to give it a week or two and it would clear. I checked my account again and it now has an additional $187.77 added to it for the next month and I was showing Past Due. I was told that I would be charged a late charge in 10 days less now, and my credit would be affected in 30 days.
I called my insurance company today, April 27, and was told they cashed the check on April 24th. I again checked my account and its still showing a balance of $375.54.
I spoke to a representative from Santander today and he was very rude. I did not get his name.
Its not my fault that they did not cash a check that was issued on April 3rd till the 24th of April and the check still hasn't been credited to my account.
I have spent almost a month trying to resolve this issue to no avail. I formerly want to make a complaint that this company does not deserve an Aplus rating. I've also sent 4 emails and received no replies to any of them.
***
Account XXXXXXXX
I want this company to apply the check payment to my account and to close the account. No extra charges should be made to me due to their carelessness.
May 8, 2020
***
*** Place
Wailuku, HI XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear ***:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Please note that effective March 2, 2020, all Gateway One Lending & Finance (Gateway) accounts will now be serviced by Santander. We provided notice of the conversion of your Gateway account to Santander in a letter sent to you dated February 21, 2020.
A review of the account payment history shows that on May 6, 2020, a Total Loss insurance payment in the amount of $2,035.49 posted to your account, effective March 15, 2020 (the date of loss). An internal processing issue prevented the payment from posting to the account sooner; however, the payment satisfied the remaining balance in full. Further note that you did not incur any additional charges because of the delay in processing the payment.
Please accept our apologies for any inconvenience this situation may have caused you during the transition of service, and for any negative experience you may have had with our representatives while trying to reach a resolution to your concerns. The experience of our customers is of the utmost importance to us and we appreciate your feedback.
Be advised that Santander has not yet initiated credit reporting for any of the recently acquired Gateway accounts; however, reporting is tentatively scheduled to commence on May 31, 2020. We ask that you contact us again with any questions or concerns you *** have after we have commenced reporting the account to the credit agencies.
Enclosed please find the Conversion Letter, Contract, and Account Payment History reflecting a $0.00 balance for your records.
If you need any further assistance you may reach us directly at X(XXX)-XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she ACCEPTED the response from the business.)
They credited my account and apologized.
On 3-16-20 @ 3:53 PM CST Santander USA accounting dept recd proof that I made Feb 20 & Mar 20 payments early. The late charges still remain.
Acct# XXXXXXXXXX
Two payments of $434.60
1-23-2020 (early payment for Feb 1, 20 payment due)
2-25-2020 (early payment for March 1, 20 payment due)
As instructed by Customer Service, I faxed proof to Santander's accounting department showing these payments were made early. I have proof the fax was received. 1. Santander should have never rejected the payments as I have made the payments this way, with the exception of one or two payments, years ago, since I've had the loan since 2017. 2. The $42.33 in late charges should have never been applied. As of this date, even though I sent clear proof I made my attempt to faithfully send the payments, the $42.33 in late charges have yet to be removed. Since my first payment, which was due on August 1, 2017, I have NEVER had a late payment with Santander by my own actions or non-actions. In fact, all payments have been made early. Santander rejected the first payment referenced according to Bluebird by American Express. Since that payment was rejected by Santander, I cancelled the second payment myself fearing negative responses from Santander. If they review my account and the faxed documents, they can clearly see that in good faith I have NEVER had a late payment. The payment delivered on 1-27-2020 was cancelled by Santander!
Apologies, I can't seem to upload more than one file so I uploaded the one that was most pertinent. I can provide all documentation if needed.
I've attempted to call Santander on several occasions but they are apparently still dumping all calls from their queue. I sent them an email on 3-31-20 and have yet to receive a response.
I simply want the $42.33 in late charges removed. Thank you.
May 8, 2020
***
XXX XXth St., ***. A
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn about your payment concerns. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that we received your bank statement via fax on March 17, 2020. After a review of the bank statement and the payments in question dated January 23, 2020 and February 21, 2020, it was determined that the payments were made to Santander Bank Consumer Loans, and not to Santander.
Please note that although Santander is an affiliate of Santander Bank, N.A., we are a separate entity. Santander is unable to collect payments made to Santander Bank, N.A. We respectfully suggest that you contact Santander Bank, N.A. directly regarding the payments. We regret any misunderstanding regarding this matter.
The enclosed Payment History indicates the following:
The payment that posted to the account on December 19, 2019, in the amount of $434.60, was applied to the amount due for January 1, 2020.
A late fee was assessed to the account on February 17, 2020, in the amount of $21.73, as no payment was received for the amount due on February 1, 2020.
A late fee assessed to the account on March 17, 2020, in the amount of $21.73, as no payment was received for the amount due on March 1, 2020.
The payment that posted to the account on March 19, 2020, in the amount of $434.60, was applied to the amount due for February 1, 2020.
The payment that posted to the account on March 23, 2020, in the amount of $435.00, was applied to the amount due for March 1, 2020.
The payment that posted to the account on March 24, 2020, in the amount of $435.00, was applied to the amount due for April 1, 2020.
The payment that posted to the account on April 19, 2020, in the amount of $434.60, was applied to the amount due for May 1, 2020.
In an effort to assist you in this matter, on April 29, 2020 late fees were waived on account, in the amount of $42.66. No late fees are due on the account.
Enclosed is a copy of the Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at (888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
The vehicle in question was voluntarily returned. The balance that is owed is not correct. They resold the vehicle.
Three Santander representatives confirmed that the vehicle was in fact returned and resold. The last representative that I spoke with said that the vehicle was only sold for $700, which left my balance at $6,550. Now, after two years of not having the vehicle, Santander sold the "remainder" of the loan to NCB Management Services. I feel that they sold the vehicle for more than $700 and that the amount owed is incorrect.
The account with Santander was closed for two years. Now there is a collection account. I would like the collection account removed from my credit report.
May 11, 2020
***
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), with Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Please be advised that we have reviewed our records with the information provided in the complaint, and, unfortunately, we were unable to locate the account in question.
In an effort to resolve this matter quickly, please provide additional information such as: the full Santander account number, most recent billing statement, your complete social security number, the full Vehicle Identification Number (VIN), any former names the account could be listed under or any other information you may have so we may review this matter further.
For a prompt response to your request, you may send the requested information through the Revdex.com.
Once the information is received, we will review the matter further and respond accordingly.
If further assistance is needed, please contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
On 3-16-20 @ 3:53 PM CST Santander USA accounting dept recd proof that I made Feb 20 & Mar 20 payments early. The late charges still remain.
Acct# XXXXXXXXXX
Two payments of $434.60
1-23-2020 (early payment for Feb 1, 20 payment due)
2-25-2020 (early payment for March 1, 20 payment due)
As instructed by Customer Service, I faxed proof to Santander's accounting department showing these payments were made early. I have proof the fax was received. 1. Santander should have never rejected the payments as I have made the payments this way, with the exception of one or two payments, years ago, since I've had the loan since 2017. 2. The $42.33 in late charges should have never been applied. As of this date, even though I sent clear proof I made my attempt to faithfully send the payments, the $42.33 in late charges have yet to be removed. Since my first payment, which was due on August 1, 2017, I have NEVER had a late payment with Santander by my own actions or non-actions. In fact, all payments have been made early. Santander rejected the first payment referenced according to Bluebird by American Express. Since that payment was rejected by Santander, I cancelled the second payment myself fearing negative responses from Santander. If they review my account and the faxed documents, they can clearly see that in good faith I have NEVER had a late payment. The payment delivered on 1-27-2020 was cancelled by Santander!
Apologies, I can't seem to upload more than one file so I uploaded the one that was most pertinent. I can provide all documentation if needed.
I've attempted to call Santander on several occasions but they are apparently still dumping all calls from their queue. I sent them an email on 3-31-20 and have yet to receive a response.
I simply want the $42.33 in late charges removed. Thank you.
May 8, 2020
***
XXX XXth St., ***. A
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We regret to learn about your payment concerns. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that we received your bank statement via fax on March 17, 2020. After a review of the bank statement and the payments in question dated January 23, 2020 and February 21, 2020, it was determined that the payments were made to Santander Bank Consumer Loans, and not to Santander.
Please note that although Santander is an affiliate of Santander Bank, N.A., we are a separate entity. Santander is unable to collect payments made to Santander Bank, N.A. We respectfully suggest that you contact Santander Bank, N.A. directly regarding the payments. We regret any misunderstanding regarding this matter.
The enclosed Payment History indicates the following:
The payment that posted to the account on December 19, 2019, in the amount of $434.60, was applied to the amount due for January 1, 2020.
A late fee was assessed to the account on February 17, 2020, in the amount of $21.73, as no payment was received for the amount due on February 1, 2020.
A late fee assessed to the account on March 17, 2020, in the amount of $21.73, as no payment was received for the amount due on March 1, 2020.
The payment that posted to the account on March 19, 2020, in the amount of $434.60, was applied to the amount due for February 1, 2020.
The payment that posted to the account on March 23, 2020, in the amount of $435.00, was applied to the amount due for March 1, 2020.
The payment that posted to the account on March 24, 2020, in the amount of $435.00, was applied to the amount due for April 1, 2020.
The payment that posted to the account on April 19, 2020, in the amount of $434.60, was applied to the amount due for May 1, 2020.
In an effort to assist you in this matter, on April 29, 2020 late fees were waived on account, in the amount of $42.66. No late fees are due on the account.
Enclosed is a copy of the Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at (888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
DAILY INTEREST RATE DOUBLES WITH DEFERMENTS AND LATE PAYMENTS, READ THE SMALL PRINT ALMOST ANOTHER YEAR PAYMENTS TO YOUR PAYOFF EVEN IF YOU CATCH UP YOUR DEFERMENTS AND ACCRUED INTEREST THEY STILL WILL TAKE YOUR MONEY JUST BE PREPARED TO PAY MORE UPON MATURITY AND YOU WON'T BE INCREDIBLY DISAPPOINTED.