• Report: #890342

Complaint Review: Santander Consumer

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  • Submitted: Wed, May 30, 2012
  • Updated: Wed, May 30, 2012

  • Reported By: Harlyd — Douglas Arizona United States of America
Santander Consumer
Dallas, Texas United States of America

Santander Consumer Harassment, Theft by Decption, Violations of FCRA Dallas, Texas

*Consumer Comment: Santander is one of the scummiest lenders out there.

*Author of original report: Orlando

*Consumer Comment: Don't Think So

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This company, Santander Consumer headquarters in Dallas, but the main office is Mexico City is definitely worth investigating. They are involved with Fraudulent banking practices, violations of the Fair Credit Reporting Act, numerous violations of state laws including harassment and threats. The following links contain thousands of complaints and they all read with similar context and complaints of regarding corporate behavior. I'm certain the "customer service reps" are scripted.
I can tell you I have experienced their harassment and illegal deceptive practices for the past two years. In Sept 2005 I purchased a truck and financed it with Citi Financial for 5 years I made payments of $800/ month on a note that was $773 with the overage to be against the principle. The loan was to mature 9/2011.
In March of 2010 Citi sold my loan to Santander. Citi bank had my home address and home phone number and sent me monthly statements roughly 14 days before the payment was due.In between purchasing the vehicle and 2010 I had moved several times and went to carrying a cell phone only, In June 2010 I received a call from Santander telling me I was 4 payments in arrears and owed them 2500 for administrative fees related to the sale of my loan. Bare in mind I had never received a notice of the sale/ purchase by either party. I began receiving 10-20 calls a day 7 days a week between 6 am and 10 pm from various Dallas exchange numbers, 800 numbers and blocked caller ID numbers. I had been threatened to either pay the administrative fees or my truck would be repossessed. Frustrated with receiving no help from civil agencies, I paid the money. The phone calls didn't stop, they would begin calling for payment 3 days before the due date harassing me for a credit card number or check by phone .I had to change my cell number.. it started again, how they got my number I don't know. This went on through the summer of 2011. When I contacted them in Sept for payoff and title I was informed that they had changed my payoff date to Jan 2012!!!! In November I had received 3 letters from Santander all with he same banner headline "CONGRATULATIONS YOURE ALMOST THERE" You are so close to paying off your loan you owe $1642.08 that we will do a loan modification for you to complete the payments. The second letter with the same heading had a different amount it was $3894.88 The third with the same header had an amount of $6888.47.. I had contacted them regarding the letters and they claimed they were sent out in error. I continued making payments and in Jan 2012 I sent what I thought was my final payment. By Feb , I had not received my title so I sent another payment and contacted them about the title I was told it was in processing and was hung up on. March, no title so another payment went out and another phone call regarding the title its on processing and hung up on again. Now we are talking about 78 payments on a 72 month note
On May 21, I was at work I was making flight arrangements for a Chicago trip and MY TRUCK WAS GONE.
I immediately called the bank and asked where my title was and where my truck was...They would not tell me the location of my truck until I paid them an additional $3553.64. The rep said my pay off was moved to 9/2012 and then said but we changed it back to Jan 2012.. The rep told me I was 142 days late!
I wired the money and when I met the repo man to get the truck, he showed me and gave me a copy of the bank papers to him saying I owed 3021 dollars that was 142 days late...The way I see it, they have stolen $9400 and change from me and I still don't have the title and I don't know if they will send it either. Read the complaints below and see how many didn't get their titles see how many people were in the last 90 days of a contract and had their vehicle repo'd and how additional pay off amounts were added

This report was posted on Ripoff Report on 05/30/2012 06:11 AM and is a permanent record located here: http://www.ripoffreport.com/r/Santander-Consumer/Dallas-Texas-/Santander-Consumer-Harassment-Theft-by-Decption-Violations-of-FCRA-Dallas-Texas-890342. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Santander is one of the scummiest lenders out there.

AUTHOR: Southern Chemical and Equipment LLC - (USA)

You need to file a lawsuit against them for your damages.

Take all of your documentation to a good accountant and have them work an amortization statement, taking into consideration your extra payments to principal.

They cannot charge you any fee that was not agreed upon in the original loan documents you signed.

You should have called the police and reported the vehicle stolen, as this would have at least documented the illegal repo.

Also file as many complaints with state and federal agencies as you can such as consumer protection divisions of the AG's office, investigative news channels, FTC, pull your credit report and do written disputes, and also write to all offices listed on that report of those in charge of financial regulation at the federal level. I believe one of them is the Office of the Comptroller, etc.

Send all complaints via certified mail, return reciept requested. Be sure to put the certified# in the body of the letter and keep a copy for your records. This procedure is very important as they then know there is proof of exactly what you sent.

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#2 Author of original report


AUTHOR: HArlyd - (United States of America)

Never late, bank records have been submitted to Texas AG. The same goes for the $2500 charged as adminstrative fees after the loan was purchased by Santander as well as the three congratulatory letters with requests for 3 different pay off amounts.  Yes loans are bought and sold everyday, any modification to the original loan must be signed  that was not the case with Santander. If you bothered to read any of the other complaints, you can see the CSR's are scripted it does not take a genius to figure that out either...another point proven by your response.
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#3 Consumer Comment

Don't Think So


The loan is owned by the lender and they can sell it to whomever they want, whenever they want. They don't need to tell you anything nor is your "approval" needed. I strongly suspect however, either you are mistaken or are doing the typical suprime tactic of trying to discredit the lender because you have been repo'ed or are horrendously late in your payments. Loans are sold everyday. There are never any fees to the borrower for this since the borrower is technically not involved in the process. Secondly, the so-called Fair Credit and Collections Act does not apply to Santander...only to third party collection agencies. Thirdly, any time you are late or get payments deferred, the interest clock keeps running and at the end of the loan, that additional interest can be substantial as it is in your case...which is prime evidence that you've been late many times over the length of the loan. If there really was a fee as you described then definitely the AG's office would be very interested in seeing proof. You don't have any, do you? If so, please post it here on their letterhead and I will retract my statement. But I see, you just paid it anyway, right? You have $2500 to pay this alleged fee but are horrendously late on your payments and for absolutely no reason at all they call you many times a day! Right. Sure. And by the way, I don't work for them.
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