Santander

I am submitting this complaint regarding Santander Banks handling of an unauthorized electronic banking transaction dispute totaling {$1000.00}. The disputed transaction occurred on or around XX/XX/XXXX. After discovering the unauthorized withdrawal, I promptly notified Santander and disputed the transaction, clearly stating that I did not authorize, initiate, consent to, or benefit from it. My physical card also remained in my possession throughout the relevant period. On XX/XX/XXXX, Santander issued a denial letter stating : Claim 001 is denied for inconsistencies. Customer states the card is still in their possession. This is card present CHIP/PIN transaction. Customer is not explaining how card would have been obtained. I am concerned Santander failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ) and instead improperly shifted the burden onto me to explain the mechanics of the fraud itself.…

My name is XXXX XXXX I need to file a complaint on when I use debit card number ending in XXXX it keeping declining for moon pay for {$50.00} for today and I need that payment to be marked and set as authorized so it can go through fully and processed as successfully its not unauthorized or fraudulent I need the issue to be resolved and fixed so my debit card can work on the platform again and fully worked and successfully go through again without a issue without me having to keep calling in and in over again and never to to call in again to get it fixed and make it permanent for that transactions and other transactions and other transactions like that and and fix the issue that causing the decline or remove it as permanent and remove all debit card from all linked platform that is connected like wallets like XXXX XXXX or XXXX XXXX or XXXX wallet and other like that or other and delete it and remove it from yall severs and connections and yall end and on yall system so I can re…

This is not really a complaint more a push to get my XXXX XXXX check sent to me from Santander XXXX. My mother died in XXXXXXXX XXXX XXXX recently on XX/XX/year>. I live in XXXX, but I had to fly into XXXX XXXX to get a XXXX certificate and do all the paperwork and go to the bank and do an XXXX form, take care of that side of the monies at the bank along with getting the house prepared for sale and etc. we met with the bank manager in XXXX XXXXXXXX XXXX XXXXy at a Santander XXXX location. Me and my cousin who has been designated the administrator because I live in Wisconsin. The only item because my mother did not have a will that had me named as the beneficiary was her XXXX XXXX account at Santander XXXX, which is in the middle of being processed and reviewed by the bereavement team.…

I am filing a complaint regarding my auto loan account after my vehicle was declared a total loss following a car accident on XX/XX/year>. My insurance company ( XXXX ) issued an electronic payoff ( EFT/ACH ) to my lender ( Santander ) to satisfy the remaining balance on my auto loan for Progressive Claim XXXX. The payment was sent on XX/XX/year>, and the payment cleared on XX/XX/year>. Despite the lender receiving and clearing the payoff funds, my auto loan account still does not reflect as paid in full or closed. The lender continues to show the account as active. Timeline : XX/XX/year> : Vehicle involved in accident and later declared a total loss. XX/XX/year> : Insurance company issued EFT payoff to lender. XX/XX/year> : Payoff payment cleared. Since XX/XX/year> : Account has not been updated to reflect payoff/closure. I have not continued making monthly payments because the loan should have been satisfied by the insurance payoff.…

I am submitting a formal complaint regarding inaccurate credit reporting and collection activity associated with my automobile loan account with Santander Consumer USA. The vehicle connected to this account was declared a total loss and was no longer in my possession. Following the loss, insurance and GAP insurance claim processes were initiated. Despite these circumstances, Santander Consumer USA continues to report the account as open, past due, and carrying an outstanding balance of approximately {$17000.00}. The account is currently being reported with the following inaccurate and harmful information : XXXX Past Due status XXXX Profit and loss writeoff XXXX Open account status XXXX Negative payment history and charge-off reporting XXXX Outstanding balance that may not accurately reflect insurance and GAP insurance payments I respectfully request a comprehensive investigation into : XXXX.…

The vehicle that is on the account from the company was charged off my account. The vehicle was repossessed and took back and charged off a {$10000.00} payment was made to pay off the balance.

I am filing this complaint against Santander XXXX USA regarding the wrongful handling of my vehicle lease account, including refusal of timely tender, lack of required notices, and refusal to accurately report the resolution of the account to credit bureaus. FACTUAL BACKGROUND : I am a Santander XXXX USA lease customer for a XXXX XXXX XXXX XXXX. My account was in good standing prior to this matter. I attempted to set up automatic payments ( autopay ) on a recorded call with Santander XXXX USA and believed autopay was active based on confirmation from the representative on that call. Approximately 68 months passed during which Santander did not debit my account for monthly lease payments. I did not receive any voicemails, letters, or other communications from Santander during this period that reached me. I still have not to this day, I have only called them. I had no knowledge that the autopay enrollment had not been processed or that my account was in default.…

On XX/XX/year>, I mailed a written dispute and validation request regarding an alleged deficiency balance arising from a repossessed Santander XXXX XXXX vehicle account. USPS records confirm XXXX XXXX XXXX XXXX XXXX received the dispute on XX/XX/year>. My dispute requested validation of the debt, proof of assignment, chain of title, and documentation establishing XXXX XXXX 's authority to collect. Instead of responding to the dispute and providing validation, XXXX XXXX filed a lawsuit against me in XXXX XXXX XXXX XXXX on XX/XX/year>, seeking {$9900.00}. Attached you will find all proof of claim. After learning of the lawsuit, I mailed additional notices to both XXXX XXXX and its attorney on XX/XX/year>. No substantive validation response was provided.…

Mobile deposit made on XX/XX/XXXX from my XXXX XXXX account, that I have done several times before, never held the funds for 10 days, had an Auto draft set for XX/XX/XXXX went through now my account is overdrawn and I still don't have funds, was told I would have them by XX/XX/XXXX NOTHING

Truck was purchased from XXXX XXXX ( XXXX, CA ) and financed through Santander XXXX USA on XX/XX/XXXX. After trying to register this vehicle in XXXX, CO we were unable to register it with the XXXX XXXX XXXX and Recorder because they do not have the XXXX they need to register the vehicle to us. We have attempted to get the needed paper work from Santander XXXX USA with no luck getting what we need. I have also sent certified demand letters to both Santander XXXX USA and XXXX XXXX to submit required paper work needed for registration in XXXX, CO. We have had no response to the demand letters that I sent certified mail on XX/XX/XXXX from either Santander or XXXX XXXX.

I refinanced my Santander auto loan at the end of XX/XX/year> with my preferred bank, XXXX XXXX. I forgot to turn off my auto payment and my payment of approximately {$330.00} was tendered to the bank on XX/XX/year>. I logged on to my Santander bank on XX/XX/XXXX and the {$330.00} was not reflected. I called Santander to find out why. I was told I needed to " prove I made that payment because it didn't reflect on their end '' despite the fact that my bank showed the payment was completed. I was told " XXXX XXXX needed to provide them proof. '' I called XXXX XXXX that day and XXXX XXXX followed Santander 's instructions and faxed proof of payment. I have been calling every week to get my {$330.00} back from Santander. I was told today that Santander didn't even approve my credit until XX/XX/XXXX - almost 3 weeks after XXXX XXXX sent proof. I was further told it " could take 60 days from the approval date to get my {$330.00} back.…

XXXXXXXX XXXX XXXXXXXX email : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Target : Santander XXXX USA ( XXXX auto account # XXXX ) XXXX XXXXXXXX XXXX ( XXXX Rollover auto account # XXXX ) Primary Statutes Violated : * GA Fair Business Practices Act ( FBPA ), O.C.G.A. XXXX * 15 U.S.C. 1601 ( Truth in Lending Act - TILA ) XXXX Multi-State Consent Decree ( Violation of Injunction/Settlement Total Disputed Amount : Approximately {$91000.00} ( {$53000.00} + {$38000.00} Finance Charges ) {$1200.00} monthly payments I have paid {$52000.00} from XXXX I am seeking : * Demand for Dept Validation 15 U.S.C. 1692g Breech : Santander XXXX USA is wilfully violating the injunctions negotiated by the Executive Committee regarding the ability to pay, in reference to the XXXX Santander multi-state sub prime auto settlement of {$550.00} XXXX. * Santander XXXX USA is intentionally violating O.C.G.A. 10-1-399 of the FBPA.…

I owned a XXXX XXXX XXXX XXXX that I had financed through XXXX XXXX the vehicle was the perfect vehicle however my family was afraid that it was too big for me after 2 years and me getting older so I went to a car dealership in XXXX Pennsylvania and traded it for a XXXX the XXXX had so many problems within the first week they had to take it and give me a loaner well then on the weekend of the XXXX of XXXX of XXXX they said that I needed to return it and they would get me a different vehicle I returned the vehicle and told them to just give me my trade in back and they refused said they already had a buyer for it I said well you better put me in something then today because I'm not going to be without a vehicle they had a brand new XXXX XXXX XXXX classic that they said they could put me in and just transfer out the title with XXXX XXXX reluctantly I said okay they took me in their office and said we don't know the exact terms yet but if you sign here we will get it all fixed up same…

I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports.…

I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports.…

I was contacted on XX/XX/XXXX by the dealership I sold my vehicle to on XX/XX/XXXX. They informed me that the vehicle was still showing there was a lien on it and that I needed to contact XXXX XXXX ( original lending company ) and XXXX XXXX ( final lender ). I was able to find the lein satisfied statement that comes with the title I have in my possession, as well as a document from XXXX XXXX that is the " bill of sale '' that signs off the rights to the vehicle and the title. I took all of this to Secretary of State and was turned away because the title I have does not have any final odometer reading listed.…

I paid my monthly payment twice and called the day I did it and was told I would get a refund in 3-5 days. They received the money on XX/XX/XXXX. I have not received my refund yet and I am told different reasons everytime I call. I called again today XX/XX/year> three different times and was told 3 different things. They try to keep money from customers. Some of us are elderly and live on a fixed income. Important : I did this once before, same company, and waited 2 months and had to borrow from family! Big companies have no empathy for elderly Americans!

I am filing this complaint against Santander Consumer USA for continuing to report inaccurate, misleading, obsolete, and unverifiable information on my consumer credit reports in violation of federal law. The account in question was reportedly opened in XXXX and closed in XXXX, paid in full. Despite the age of the account and repeated disputes submitted to the furnisher and consumer reporting agencies, Santander continues furnishing damaging derogatory information without proper validation or lawful verification. Santander Consumer USA has failed to comply with its obligations under : 15 U.S.C. 1681s-2 ( b ) ( FCRA Section 623 ) ; 15 U.S.C. 1681e ( b ) ; 15 U.S.C. 1681i ; 15 U.S.C. 1681n and 1681o ( Sections 616617 ). After multiple disputes, Santander has still failed to provide : Original signed agreement; Full transactional and payment history ; Competent evidence validating the reporting ; Method of Verification documentation ; Proof of lawful investigation procedures.…

I am filing a complaint regarding the handling of my lease buyout documentation by XXXX XXXX XXXX Santander XXXX USA. Over a month ago, I requested a corrected bill of sale that includes XXXX XXXX Connecticut tax registration number/ID, which is required for my XXXX DMV lease buyout and title transfer process. Despite multiple calls and follow-ups, the requested document has still not been provided. In addition, I have now been informed that I also need a release of license plate/registration authorization document because it was not initially included with the paperwork sent to me. This missing documentation has delayed my ability to properly complete the DMV process and transfer ownership of the vehicle, and I have spent many unnecessary hours calling XXXX. I have repeatedly contacted customer service and have had significant difficulty obtaining accurate information, proper escalation, or resolution.…

A representative from my insurance company [ XXXX ] and I called Santander the end of XXXX to receive my pay off. My insurance company was paying my car off after an accident. We verified that all would be well with Santander. My insurance company mailed a check to the address they gave on XXXX, and it still has not been applied. Santander is still requiring payments and charging late fees. The pay off amount was over XXXX and now its only around XXXX. There is another payment due, but it has already been paid off!

I never sign any documents for this vehicle so I told to provide the sign contract

XXXX In XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX and financed it through Santander Consumer USA. The dealer required a {$16000.00} down payment and had me send thousands of dollars in cash and XXXX transfers directly to the XXXX XXXX XXXX, including {$4500.00} specifically for a XXXX extended warranty, while the written contract also finances a separate {$4500.00} charge to XXXX for XXXX CONTRACT. I later learned that this XXXX warranty was never activated and has never provided coverage ; when the car broke down soon after purchase with a leaking radiator, the manager refused to process a warranty claim, sent me {$1500.00} by XXXX for parts, and told me to go claim the car a lemon instead.…

I am submitting this complaint regarding Santander XXXX XXXX and the inaccurate, misleading, and potentially unverifiable reporting of my auto loan account to the credit bureaus. My account is currently being reported as a charge-off/collection account with a continuing past-due balance. I believe the reporting is inaccurate, misleading, and damaging to my credit profile for the following reasons : Santander is reporting the account as charged off while continuing to report a past-due balance and collection status in a way that appears inconsistent and misleading. I have concerns that the balance being reported may not properly reflect credits, payments, fees, repossession accounting, or the fair market/auction value of the vehicle. I requested investigation and/or validation of the account, yet the account continues reporting without sufficient verification or correction.…

I have contacted XXXX XXXXl repeatedly by phone and email requesting my lease documents and all paperwork related to such, including to the heads of corporate. I have been completely ignored. This has been from XXXX XXXX Nay XXXX, 2026. Nothing has been physically mailed or emailed, as requested, even when they say it was. I actually have 2 months left on the lease. What needs to be done for someone to process what should be a simple ask for my financials?

On XX/XX/2026, my vehicle was repossessed from my current residence. I contacted the loan company and was given the payoff amount and the date by which it had to be paid prior to auction. One week later, I received in the mail, at my current residence, a privacy notice. However, a Notice of Intent to Sell, which is required by law, was never received in the mail.

I am filing a follow-up complaint regarding a previously submitted CFPB complaint ( XXXX ) against Santander Consumer Finance concerning failure to cooperate with the Indiana Department of Revenue in removing a satisfied secondary lien from my vehicle title. Santander is the servicer of the loan on behalf of XXXX XXXXXXXX XXXX In response to my original CFPB complaint, Santander stated in writing on XX/XX/year> that the vehicle title was mailed to the Indiana Department XXXX XXXX at XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/year> via first class mail. Based on XXXX response, the CFPB closed the complaint. However, as of XX/XX/year>, the Indiana Department of Revenue has confirmed they have no record of receiving the title from Santander. I have attached XXXX records showing the secondary lien remains. This raises serious concerns because either : 1. The title was never actually mailed despite Santanders representation to the CFPB. or 2.…

XXXX XXXX XXXX Re : XXXX Make XXXX XXXX I, XXXX XXXX XXXX had returned the XXXX XXXX XXXX which I co-signed with XXXX XXXX XXXX XXXX. I am returning the vehicle because it was sold through deceptive trade practices, and the following defect was undisclosed at the time of purchase. These defects consist of 6 recalls, and the vehicle is overpriced. Problem : Electrical system Ignition, anti-theft, immobilizer, key/sender service brakes, hydraulic power assist, hydraulic and back over prevention, sensing system camera That left me in an upside-down situation on a loan for a vehicle that is worth far less than represented at the time of sale. See the attached letter :

Each time the payment was getting close to the date it would be late, I called to make arrangements. I always was able to speak with someone with compassion.Ive had XXXX XXXX XXXX, a XXXX XXXX and went thru two hurricanes, XXXX actually caused us to be out of work and power for approximately 3 months. Each instance we needed an extension the payment was added on to the end of the loan.

My debit card was stolen and unauthorized ATM withdrawals totaling {$7200.00} were made through nine {$800.00} transactions in XXXX XXXX, NJ, XXXX, NJ, and XXXX XXXX, NY. These transactions were occurring multiple times per day, sometimes two to three times in a single day, which is inconsistent with my normal banking activity and highly suspicious. I did not authorize or confirm those ATM withdrawals. Any possible response to a fraud alert was not related to the cash withdrawals. Santander denied my claim based on PIN usage and fraud alert activity, but I never knowingly approved the ATM transactions. I also requested a full investigation and review of ATM camera footage related to these transactions. I am requesting a complete review and reimbursement of the unauthorized withdrawals.