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Report: #1501489

Complaint Review: Santander Consumer Auto Finance - Dallas TX

  • Submitted:
  • Updated:
  • Reported By: Garland — Phoenix Arizona United States
  • Author Confirmed What's this?
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  • Santander Consumer Auto Finance 1601 Elm St Ste 800 Dallas, TX United States

Santander Consumer Auto Finance Santander Consumer USA Approved loan no phone interview, when approved found out no extended contract necessary Dallas TX

*Consumer Comment:

Typical Response

*Author of original report:

Funny I did not speak to anyone named Robert Today at Santander Consumer USA

*Consumer Comment:

Your problem is with the dealer

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I will admit I am tired of telling this story, it must be told though. 34 states and $550 Million settlement cannot be a false accusation.

I simply went to buy a new car, was told necessary to purchase extended contract to get loan approved would get a phone interview from lender. Interview did not happen, when calling the 1st time I was advised extended contract could be cancelled but would not lower my payment. I asked options if I cannot afford the loan they just approved told I could voluntarily surrender vehicle or trade for lesser expensive vehicle.  I am current on my payment not due until 12/25/2020. I am happy to cancel contract taking a closer look it is null and void anyway, I am an UBER driver, the dealer was aware as they commented on my UBER sign in the window of my trade in.

This report was posted on Ripoff Report on 10/31/2020 06:46 PM and is a permanent record located here: https://www.ripoffreport.com/report/santander-consumer-auto/dallas-tx-usa-approved-loan-1501489. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#3 Consumer Comment

Typical Response

AUTHOR: Robert - (United States)

POSTED: Tuesday, November 03, 2020

The typical "Oh you must work for them" response when you have absolutly nothing to defend your post. I will never get why people are so willing to not put the blame where it belongs. The fact is that this is a PUBLIC web site. As such the PUBLIC can post things and while this may be shocking to you the public may not always agree with you. I do not now or have I ever worked for this or any finance company.

I don't even think you know what you are complaining about anymore. You start off your response by saying you talked to a nice lady at the company, and then end with fall back to talking about them being sued by 34 States. But still NOTHING about the dealer or your responsibility.

I did mention Uber today to this very nice lady, 1st time ever mentioned,
- Really the first time you mentioned it was on the call? Apparently along with not reading finance contracts you don't even read YOUR own report. You are the one who stated you were an UBER driver in your original post, that wasn't pulled out of thin air or some mysterious easedropping on one of your calls. Or do you deny that you wrote "I am an UBER driver" in your original post?

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#2 Author of original report

Funny I did not speak to anyone named Robert Today at Santander Consumer USA

AUTHOR: Garland - (United States)

POSTED: Monday, November 02, 2020

 I spoke with a very nice lady today from Santander Consumer USA, she called me apologizing for the actions of the previous Excutive Representative at Santander Dallas Office, stated that the bank could never complete so many transactions if they just took the property back, strangely Robert you listening to a call that I did give consent to you personally to monitor or record?

I did mention Uber today to this very nice lady, 1st time ever mentioned, I know the dealer would not have advised you this information, cause you are correct they wanted a loan approved at all costs. Again 34 state Attorney Generals cannot be all wrong in the matter of the deceptive business practices of Santander Consumer USA

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#1 Consumer Comment

Your problem is with the dealer

AUTHOR: Robert - (United States)

POSTED: Monday, November 02, 2020

Sadly there are many dealers who take advantage of credit troubled inexperienced borrowers who have no idea about financing.  This appears to be your case.

The fact is that it is the DEALER that told you that you needed an Extended Warranty. That was so that the DEALER could make a few more bucks at your expense. It is also the DEALER that told you that you would get a phone interview. I would not be surprised if you say that the dealer also told you that at this non-existant phone interview you could cancel the loan and just turn the car back in. The other thing that I am sure the dealer didn't tell you is that as an UBER driver the extended warranty was likely void anyways. As many have clauses that would deny any claim on a car you use for commercial purposes.

But regardless of the actions of the dealer. The fact is that it is YOUR responsibility to determine if you can afford the car, and something you should have done BEFORE you bought the car.  As once you sign the loan agreement you are responsible for making they payments. If you do not make the payments, they will reposess the car. If you turn it in, it will be considered a voluntary reposession. In both cases you will be required to pay the balance of the loan after they auction off the car. Since this is a Sub-Prime loan and you likely didn't put down much of a downpayment, this will likely be several thousand dollars.

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