Santander

I am filing this complaint because Santander is reporting an improper remaining balance on an auto loan that was fully paid off by the dealership at the time of my vehicle tradein. Their actions are inaccurate, negligent, and causing ongoing financial harm. On the date of tradein, the dealership obtained a XXXXday payoff quote directly from Santander. The dealership then paid the exact amount Santander provided. Despite this, Santander is now claiming that I still owe an additional {$580.00}, stating that the payoff they themselves issued was incorrect. This is not a consumer error it is a Santander error.…

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On XX/XX/XXXX, I filed a CFPB complaint after calling and emailing XXXX XXXX seeking information related to my account for months and being ignored. On XX/XX/XXXX, I learned of XXXX XXXX XXXX response to my CFPB complaint. The company finally provided some of the documentation that I had been requesting over the prior months. On XX/XX/XXXX, I filed formal notice and another objection that I disputed to the excess wear and tear charge of {$280.00}. This was sent to Santander Consumer USA in XXXX. I noted that the one item for which the charge had been claimed did not constitute excess wear and tear. I also objected to the amount of the excess wear and tear charge. I also asked that I be called ASAP to resolve this matter. The {$280.00} is not due, and I am prepare to hire a lawyer if I must. If I am pushed to do this, I will seek to hold XXXX XXXX responsible for all of our fees and costs.…

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I am filing a complaint regarding a {$490.00} fee charged by Chrysler Capital after I returned my leased vehicle. At the time I returned the vehicle, all payments on the lease were current and the account was in good standing. I returned the vehicle approximately XXXX weeks before the lease maturity date and believed that returning it slightly early would not result in additional charges since my payment obligations had been met. After returning the vehicle, I was informed that I owe a {$490.00} fee. I have attempted several times to contact Chrysler Capital to speak with a supervisor to understand the basis for this charge and request a review. However, when representatives attempted to transfer me to a supervisor, my calls were disconnected and I was unable to speak with anyone with authority to review the fee.…

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My car was repossessed on XXXX. I picked up my personal items from the storage lot where my car was being held on Tuesday, XXXX XXXX. I paid the reinstatement balance in full ( roughly {$3000.00} ) on Thursday XXXX around XXXXpm. I was informed to contact the tow company to arrange for pickup the next day XXXX XXXX. On XXXX XXXX I contacted the tow company and was informed my car was no longer on the lot. I called Santander again, and they confirmed my car was being transported 4 hours away to the auction lot and that I'd have to wait for them to bring it back, which could take up to 7-10 business days. I was given the number for XXXX who also provided me dates that my car would be returned when I checked on the status. I was told the wrong dates several times, but still waited until the XXXX day before filing a complaint. Yesterday, XXXX was the XXXX day in which I called XXXX and they escalated my concerned, assuring me my car would be in the storage lot last night.…

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I am filing a complaint against Santander Consumer USA for improper autoloan servicing, misapplication of insurance and GAP payments, and continued assessment of interest and fees after my vehicle was declared a total loss. My vehicle was totaled, and both XXXX ( my auto insurer ) and my GAP insurance provider issued payments to Santander to satisfy the remaining balance. XXXX issued a payment of {$600.00} on XX/XX/2026, which Santander received. GAP also issued a payoff amount intended to close the loan in full. Despite this, Santander is : - Failing to apply XXXX {$600.00} payment to my account - Adding interest and fees after the totalloss date - Providing inconsistent and inaccurate balances - Charging late fees and miscellaneous fees that should not exist after payoff - Claiming I still owe a balance ( {$34.00}, then $ 300+, ) despite insurance and GAP payments covering the loan My transaction history shows multiple irregularities, including : - A late fee of {$34.00} added…

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I obtained a personal installment loan with XXXXXXXX XXXX in approximately XXXX for an original amount of {$26000.00} with an APR of 17.74 %. My required monthly payment has been {$630.00}. During the first portion of the loan, I enrolled in automatic payments based on the understanding that I would receive an interest rate reduction of approximately 0.25 % for autopay enrollment. After reviewing my account history, I do not see evidence that this autopay interest rate reduction was applied. I later discontinued automatic payments after noticing this issue. Over the course of the loan, I have made both regular monthly payments and additional principal-only payments intended to reduce my loan balance more quickly. Despite these payments, I have concerns about how payments were applied to principal versus interest.…

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I am writing to formally escalate our dispute regarding a fraudulent check drawn on our business account and Santanders subsequent denial of our claim. On XX/XX/year>, a check from our business account ( XXXX XXXX XXXXXXXX XXXX XXXX was stolen, altered ( washed ), and deposited via ATM at a XXXX XXXXXXXX location in XXXXXXXX XXXX for {$7000.00}. The payee was fraudulently changed to an individual we do not know and have never conducted business with. We are located in XXXXXXXX XXXX, and do not issue checks of this amount or to recipients in that geographic area. According to our account records, this check cleared our Santander account on the same day ( XX/XX/year> ) or by the next business day. This raises serious concerns regarding the lack of fraud detection and verification procedures for what should have been considered a high-risk transaction.…

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santader bank, My name is XXXX XXXX, i have a business account with santander for over 20 years. in XX/XX/XXXX, i noticed a charge on my account for {$4700.00} I know i did not write a check for this amount. further investigation on my part found i had written a check to national grid for approx XXXX and mailed to the utility company via XXXX. somehow check was taken from mail and altered to the sum of {$4700.00}. I immediately reported to santader and the account was closed/frozen. my account was also hit up for money transfers since the person now had account/routing #. one of those transaction went through. the bank quickly refunded that amount of XXXX no word on the check., received a letter at the end of XXXX to submit information of the fraud. i complied with request, notarizing ( i had to pay as noone in bank ) the bank rep also sent via e mail on XX/XX/XXXX. no updates were given/ no written notice that bank received the info i sent.…

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I am filing a formal complaint regarding Santander Banks handling of my personal account, which was restricted without notice following receipt of a rental payment. On or about XX/XX/year>, I received a rent payment in the amount of {$1700.00} from my tenant as part of a standard rental agreement. Shortly after receiving this payment, my Santander account was unexpectedly locked. I was not provided with any prior notice, clear explanation, or immediate resolution regarding this restriction. I was later informed that the issue was related to my tenants account, which is currently under review by Santander. As a result of Santanders actions : - I have been unable to access my funds- Multiple scheduled bill payments have been declined or returned - I have incurred financial disruption and potential penalties due to lack of access to my account I accepted this payment in good faith and had no knowledge of any issue associated with the originating account.…

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I have yet to receive any notifications from XXXX XXXX via mail. I never received the odometer report of resell of the vehicle, the letter of repossession with the date, or balanced owed. They are reporting to the credit bureaus that I own {$10000.00} plus which seems very suspicious. My residents have changed in the last 6 years.

I have an auto loan serviced by Santander XXXX XXXX. On XX/XX/year>, the Indiana Department of Revenue sent notification to me, which I received on XX/XX/year>, that a secondary lien was placed on my vehicle title due to an unpaid tax bill. I paid this tax bill in full on XX/XX/year>. A letter of satisfaction was sent to Santander and me on XX/XX/year>. I am not requesting release of the title to myself, as I understand I still have an outstanding loan balance. I am only requesting that Santander send the title to the Indiana Department of Revenue temporarily so a satisfied lien can be removed, after which the title will be returned to Santander. The Indiana Department of Revenue has attempted to contact Santander multiple times to request that the vehicle title be sent to them so they can remove the satisfied lien. Santander has not responded to these requests.…

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I am contacting the CFPB regarding my auto loan with Santander XXXX XXXX for a XXXX XXXX XXXX ( XXXX miles, severely damaged by hail ). The vehicle was totaled, and I retained it, but the banks remaining loan balance is {$11000.00}, while the vehicles current market value is approximately {$3000.00}. I have been trying to negotiate a settlement to resolve this debt for a realistic amount ( {$2500.00} {$3000.00} ) including a lien release so I can sell the vehicle. Despite my repeated attempts : 1.The bank refused to provide a valid mailing address for submitting a formal settlement request. 2.The bank refused to connect me with the settlement department or a supervisor, which I am legally entitled to speak with regarding hardship/settlement. 3.They provided a fake or invalid email address when I requested a contact. 4.They hung up on me during multiple attempts to resolve the account.…

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Account Timeline Santander Consumer USA Account opened : XXXX Loan term : XXXX years ( expected payoff around XXXX ) Date of First Delinquency : XX/XX/XXXX Account charged off : XXXX Last known payment/activity : XXXX Issue : Santander Consumer USA is reporting this account with recent activity and/or a recent charge-off date in XXXX. This is inaccurate and misleading, as the account is several years old and should not be reported as a current or recently defaulted account. This reporting appears to be an improper re-aging of the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). Impact : This inaccurate reporting caused a significant drop in my credit score of approximately XXXX points.

I am filing a complaint against Santander Bank regarding an unauthorized transaction that was incorrectly determined to be valid. On XX/XX/year> a transaction was made on my account/card at XXXX XXXX XXXX XXXX, North Carolina XXXX I reside in New Jersey and did not authorize, initiate, or participate in this transaction. I promptly reported this transaction as fraud and filed a dispute with Santander Bank. The bank denied my claim, stating that information provided by the merchant indicated the transaction was authorized by me. However, I did not make this purchase, and the transaction location is inconsistent with my location and activity. I have attempted to resolve this issue with the merchant, but have not yet received detailed information from them regarding the transaction. Despite this, Santander Bank has not provided sufficient evidence or explanation to support their determination, nor have they meaningfully reconsidered the dispute after my claim of non-authorization.

I am submitting a formal complaint regarding serious issues with my auto loan account, including excessive interest charges, incorrect payment application, and inaccurate account status. My monthly payment is {$600.00}, yet only about {$26.00} is being applied toward the principal, with the majority going to interest. I have repeatedly requested an explanation for this but have not received a clear or reasonable response. Additionally, my vehicle was declared a total loss, and large payments have been made toward my balance through insurance, XXXX coverage, and related services totaling approximately {$27000.00}. I have also made XXXX separate {$600.00} payments on time. Despite this, my account continues to be marked as late, and I am being charged ongoing daily interest. Given the total amount paid toward this loan, my account should be paid off or significantly reduced.…

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I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

CFPB Follow-Up Complaint Misrepresentation and Incomplete Response I am submitting a follow-up complaint regarding my account ending in XXXX and Santanders response to CFPB Case No. XXXX. Santanders response to the CFPB failed to address my primary complaint and contains additional inaccurate statements. First, Santander has repeatedly stated that I agreed to settlement terms during a telephone conversation on XX/XX/year>. This is completely false. I did not have any such conversation, and no agreement was made by phone. Despite this being the central issue in my complaint, Santander did not address or correct this false claim in their CFPB response. Second, in their response to the CFPB, Santander stated that an {$8000.00} settlement was approved as requested. This is also inaccurate. I did not request an {$8000.00} settlement, nor did I agree to any settlement terms. This is another example of misrepresentation regarding my account.…

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I am filing a complaint regarding Santander Banks failure to return funds following confirmed fraudulent activity on my account. The total amount of fraudulent activity was partially credited ; however, a remaining balance of {$2300.00} has not been returned to me. I was advised that the fraud investigation could take up to XX/XX/XXXX days, followed by an additional 30 days for the remaining funds to be returned. That full XXXX timeframe has now elapsed, and I am still missing {$2300.00} of my funds. I have made multiple good-faith attempts to resolve this matter directly with XXXX. I have communicated via email with XXXX XXXX XXXX XXXX, Fraud Prevention Team Manager, and sent multiple follow-up emails requesting written confirmation of : The exact remaining balance owed The current status of the fraud claim The specific date the remaining funds would be returned Despite these repeated written requests, I have not received clear answers or resolution.…

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XXXX Misleading Loans : Offered extensions that appeared helpful but did not disclose that the interest on the loan would continue to accrue and was paid before the principal upon resuming payments significantly increasing the total cost of my loan. XXXX. Inaccurate Credit reporting : XXXX failed to properly report accurate information regarding my account status to credit bureaus Including erroneous information about payments and account status impacting my XXXX XXXX. XXXX. Unaffordable lending. The loan was structured in a way that it was likely to fail and result in excessive interest. Which I believe constitutes predatory lending.

In XX/XX/XXXX, I requested that Santander complete the interstate title transfer for my vehicle from Florida to Georgia. At that time, I registered the vehicle in Georgia and received Georgia license plates, but the title itself remained in Florida under XXXX control. On XX/XX/XXXX, when I attempted to trade in the vehicle, the dealership pulled the XXXX report and informed me that Georgia had no record of a title print date or title issuance. This confirmed that the title transfer had never been completed by Santander. Since then, I have contacted Santander every XXXX days to follow up on the status of the transfer. On XX/XX/XXXX, Santander told me that I needed to obtain a letter from the Georgia tag office requesting the outofstate title. The Georgia XXXX XXXX had already sent this request to Santander XXXX times in XXXX. I still obtained the letter and emailed it to Santander.…

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Check from NJ state treasury dept. deposited via mobile app XX/XX/XXXX. Release of funds were noted prior to deposit to take XXXX business days. Contacted customer service via phone XX/XX/XXXX ( third business day ) to confirm release date. Customer service XXXX stated funds were to become available on XX/XX/XXXX. XX/XX/XXXX funds are not available and no notice of delay sent/received.

Got the car by a credit and co signer in XXXX and car has got repossessed in XXXX due to my incarceration from XXXX XXXX to XX/XX/XXXX I was told after coming out of incarceration that car was auctioned off by the company never stated to me that they were the ones who had possession of the vehicle it was stated that the car would be charged off instead of us coming to an agreement of resolving the issue of making payments due to the fact that the car wasn't towed from my living property in was repossessed from a towing company named XXXX XXXX in XXXX XXXX Florida whiles I was still incarcerated now my credit is completely ruined and the co signer didn't respond to any of the notice because of change addresses and I now longer at the address myself I called after my incarceration and wasn't given an option to make payments to resolve the issue because the tow truck company sent me a letter giving me a payment of XXXX dollars for storage cost but during the call I was told the car was…

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I was in a major car accident I was T-boned coming out of a restaurant the car stalled out and dude was speeding. The car was totalled and pushed out the road and towed by the law because it wouldnt start. It is in a tow yard in XXXX VA everything should be in a police report. They was provided this when everything happened they still charged me and havent went to get vehicle I know this because I moved to XXXX and the sent a tow guy to my address now and the car isnt here I rode the bus to XXXX and can provide proof. So why do all this when they know where the car is? Like I found out this car was under recall due to a transmission sensor and the company drove it with XXXX light on for XXXX to my house in XXXX to drop car off in XXXX. I only had the car since XXXX of that year so yeah XXXX months and it starts acting up brand new vehicle is what they claim. XXXX XXXXXXXX XXXX. This car almost killed me stalling out!

On XX/XX/XXXX, I messaged Santander customer service in the secure message center, I am formally requesting, under the Truth in Lending Act and applicable state law, complete copies of all documents I signed in connection with my auto loan, including but not limited to : The Retail Installment Sales Contract Loan disclosures and payment schedule Any addendum, warranty, or GAP agreements Assignment of contract from the dealership to Santander The originating dealership is permanently closed. As the current servicer and/or owner of the loan, Santander is legally required to maintain and provide these records. Please provide these documents electronically or by mail within the statutory timeframe. They responded on XX/XX/XXXX stating, A request has been submitted for the documents to be sent to your email on file. Please allow 3-5 business days for updates. After waiting the timeframe I still had not received any email.…

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I am submitting a formal complaint regarding improper charges and credit reporting on my auto lease account ( XXXX XXXX ) for a XXXX XXXX XXXX. On XX/XX/XXXX, I traded in my leased vehicle at XXXX XXXX XXXX when leasing a new vehicle. At that time, I relinquished possession of the vehicle to the dealership. The dealership explicitly represented that they would handle all paperwork and financial obligations necessary to terminate my lease, including any required dealer buyout. Approximately XXXX days later, I began receiving notices from Santander stating that my payments were past due. Beginning in XX/XX/XXXX, I contacted Santander multiple times and informed representatives that I no longer possessed the vehicle and that it had been turned over to the dealership. Despite these notifications, no corrective action was taken.…

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I am filing a complaint against SXX/XX/XXXX regarding an auto loan, repossession, and an alleged deficiency balance that I dispute. My vehicle was repossessed on or about XX/XX/year>2025. I received a notice stating the vehicle would be auctioned on XX/XX/scrub>, 2025. However, I never received any post-sale notice explaining the results of the sale, including the amount the vehicle was sold for or how the remaining balance was calculated. Despite this, XX/XX/XXXX is reporting that I owe a balance of approximately XX/XX/XXXXXXXX. Under South Carolina law ( XXXX XXXX XXXX. XXXX ) and the Uniform Commercial XXXX Article XXXX, a lender is required to provide a post-sale explanation of any deficiency balance after repossession. This includes the sale price, how proceeds were applied, and how any remaining balance was calculated. Santander has failed to provide this required notice and documentation.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Santander Consumer USA is reporting an incomplete and unverifiable tradeline. The account shows no Date of First Delinquency, no payment history, no balance, and no status codes. Only Closed is reported, which violates FCRA 609 ( a ) and 611 ( a ) because the information is incomplete and can not be verified. The account does not meet XXXX XXXX reporting requirements for derogatory or closed accounts. I am requesting enforcement action and deletion of this unverifiable tradeline.

I called on Friday XX/XX/year> explain what I needed I was told in XXXX hours I should receive it, I have not received anything by email per conversation. I called yesterday morning on XX/XX/year> I was told it should be in my email by the evening. Nothing,. I called this morning XX/XX/year> I was placed on hold I was told it should be in my email by XXXX XXXX or XXXX XXXX it is now XXXX XXXX I waited long enough. They took my truck from XXXX XXXX the day I made arrangements to retrieve my property so I was not fortunate to get my items until days later not only that they took out what they wanted and I went through levels of contacts still up until yesterday morning to schedule a appointment to retrieve the rest of my items, my appointment is Friday @ XXXX XXXX. Even after they took the truck I had to call to speak with the executive office to arrange to find the vehicle to return my properties. My plates were destroyed I need proof to email to XXXX.…

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I have on numerous occasions requested the information needed to refinance my car. Chrysler Capital always says yes we send that right out to you and I never receive anything. This happen 5-6 times in the last year to year and a half. Also they are extremely rude and very hard to get on the phone, going through their phone answering machine is next to impossible

This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

I am submitting this complaint to request state review of Santander Consumer USAs handling of insurance proceeds issued for repairs to my vehicle. Santanders actions have resulted in prolonged delay, inconsistent servicing, and direct financial harm, despite my loan remaining in good standing. Following an automobile accident, XXXX issued an insurance repair check for {$6000.00}. The check was made payable jointly to Santander and myself and clearly referenced the claim number. All repairs were completed by XX/XX/year>. At Santanders instruction, I overnighted the check to their insurance processing address at XXXX XXXX XXXX, Texas. The envelope included my account number, claim information, and instructions requesting endorsement and return of the check to me or payment to the repair facility. I paid {$83.00} to overnight the check based on Santanders representation that the process would be expedited. Delivery was confirmed by XXXX and by Santander representatives.…

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I am filing a complaint against XXXX XXXX for repeatedly and illegally furnishing inaccurate, false, and re-aged information to the credit bureaus, which resulted in the unlawful reinsertion of an account that had already been deleted multiple times from my credit reports. Account Details : XXXX XXXX XXXX Santander Auto Loan Account XXXX : XXXX Reinsertion Timeline : Account deleted from multiple credit bureaus on several occasions Reinserted again on XX/XX/XXXX Verified and falsely updated on XX/XX/XXXX XXXX XXXX is illegally furnishing data to the credit reporting agencies in violation of federal law.…

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I am filing a complaint regarding a denied fraud claim on my debit card. On XX/XX/XXXX, I searched online for XXXX and called a phone number I believed to be associated with XXXX. The individual who answered represented themselves as XXXX and had my husbands policy information and our home address, which made the interaction appear legitimate. I was requesting documents and was told there would be a {$1.00} charge. Based on this representation, I provided my debit card information. On XX/XX/XXXX, my card was charged {$160.00}. The charge appears on my statement as XXXX XXXX XXXX XXXX XXXX XXXX, however this is not a legitimate XXXX charge XXXX The phone number used in this scam was XXXX ( XXXX ) XXXX. After the transaction, I called the number again and was redirected to the actual XXXX customer service line. A representative from XXXX confirmed that I had been scammed and that XXXX does not charge customers for documents or request payment in this manner.…

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