Consumer complaint received 2023-03-21
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX first complaint letter sent for federal violations showing intentional violations as santander collection department notes said she would not honor the automatic stay due to the fact she saw I filed before and they want honor the one filed XXXX XXXX as they did not and repossessed my vehicle XX/XX/XXXX, after contacting my Attorney and then Santander, Santander Platinum department read collections notes and realized Santander Balantanly violated the Federal Laws after knowing an automatic stay was issued. Santander Agreed to return the vehicle, It was over 7 days before It was returned, I began communicating with Santander, Platinum department she indicated they were apologetic being I work and is a XXXX patient, Santander collector needed to know the laws. 

Santander platinum, looked at the loan and informed me I paid all the money over XXXX and I am now paying interest only. I indicated the cost with interest is out rageous, so it was recommended I put in writing what I expect from Santander for their violations, along with dispute any fees of repossession since Santander should never have Ignored the Autostay by the Judge/Courts. 

I agreed to settlement to waive the Interest that Santander is asking of me, the Loan Balance has been paid as I am informed. this is interest only. 

That sounded Fair, as Santander Platinum said to send it o the proper department Executive Office, XXXX in the Executive Department said she will work on this settlement as they know the circumstances and my request to Waive the remainder of the Balance that is interest only, XXXX sent me a letter XXXX XXXX stating they have come up with the settlement, I called she stated I will get another letter as the amount santander agree to and if the balance will be waived. XXXX XXXX santander sends the same letter, they are working on resolving the matter. 

XXXX XXXX XXXX, in Executive office, read all the notes said its been going on since XX/XX/XXXX, XXXX letters, other letters he sees that Santander agreed to Settlement but what amount is not shown, just the run around, I was told a final settlement offer as he knows I am looking for waiver of the interest only balance waived as settlement. 

XXXX, and I discussed the violations are serious and the collector 's notes he read show the lack of maybe training as it will be address, but he assured he will get me final results as to my offer of settlement, as if I move forward to filing a legal complaint he knows the courts dont take lightly and the violations cost may exceed the Balance waiver as a settlement as I am requesting. 

XXXX, did finally get back with me he indicated Bankruptcy said it was 7 days I went without a vehicle, I filed to many bankruptcies and they just did not honor the one filed XX/XX/XXXX, XXXX also stated Santander statement was I should not have suffered any damages for the 7 days and santander did release the car back to me, and was going to waive the repossession fees. This statement as I informed XXXX was Bold, and seems like a BULLYING STATEMENT, How can you tell me about what I did or did not Suffer after 7 days, I am in Real Estate and I must move around in this business Not sit at the desk, I am a XXXX patient that goes to XXXX, XXXX appointments, my doctors are over 50 miles away, the XXXX XXXX XXXX XXXX is in XXXX Ms , over 60 miles from my rural home in XXXX. 

Santander, XXXX Executive Office said santander offer me a Atonement Settlement for their actions, I asked what is Atonement Settlement, he spelled it to me as I requested. 

Atonement Settlement? Not the Waiver of the Interest Only Balance as I requested for their Blatant Federal Violations and inconvenience send my life topsy turvy. 

Atonement Settlement Offer from Santander, How much I ask? what is Atonement Settlement as everyone is reading in the notes when I call but, Put it in writing as to the settlement, send me as a COUNTER OFFER Since we began to open the settlement doors, Santander Never Counter offer my settlement offer to waive the interest only balance, nor did they put the Atonement Settlement offer in writing as they legally should have. 

XXXX XXXX still no Settlement, or as santander wording Atonement Settlement offer amount still never provided. 

XXXX, Santander Platinum department read the notes as to the executive offer showing Atonement Settlement but she did not see a dollar amount they offered, I informed I am in agreement to the waiver of the interest only, as that seems fair as I am legally informed for santander violations, along with it shows santander still giving the run around on this serious legal matter. 

XXXX XXXX, XXXX Supervisor Santander picked up he also read the notes he sent a email asking the executive department to give a Atonement Settlement amount, as XXXX agreed as I never heard of Atonement, I asked my Attorney she said over 20 years a bankruptcy attorney she never heard Atonement Settlement, but Santander must put it in writing as you were under the Bankruptcy protection laws as they were speaking with me since XXXX without the authorization. XXXX agreed and said yes he can discuss, he was sending in a request to send me in writing the offer that is in the notes as Atonement Settlement. 

XXXX XXXX gave me a to ESCALATION Reference : XXXX for Settlement offer in writing, showing as counter offer to my offer in complaint. 

XXXX XXXX Santander has yet to send the Offer of Settlement as they stated Atonement Settlement. 

Exhibits to attached upon request : XXXX XXXX first complaint with settlement offer to waiver of interest only fees XXXX XXXX response letter XXXX, executive office call about settlement XXXX XXXX response letter via email santander acknowledgement of complaint XX/XX/XXXX response letter via email santander acknowledgement and to call I did we continue to discuss settlement XX/XX/XXXX response letter same wordings XXXX XXXX My follow up letter to santander consumer usa as to they ignoring open complaint, settlement etc. 
XXXX XXXX Letter to Santander consumer usa as to putting the amount of settlement offer they say is Atonement Settlement please give dollar amount? 
XXXX XXXX Final complaint letter as to how Santander consumer usa are continuing poor consumer services, continued violations of federal and state laws even as it pertains to Consumer complaints and legal rights, Santander offer a settlement but NEVER A dollar amount, so that I may have for my records they offered and I accept it or denied as XXXX, Santander Executive office indicated I needed to do. if I did not except then he gave me the Legal department address only. Santander need to show the Settlement offer amount?? as I am looking to move forward and this Settlement offer amount is of paramount importance. 

I have done everything I am informed to do as to the communication with Santander but to no avail, Santander consumer USA seems to continue violations of the legal rights. 

I have been informed to send this case to this department, as it can be sent to the other federal agencies for further consumer protections actions. 

Thank you

Company response to consumer: Closed with explanation