Consumer complaint received 2019-05-01
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a XXXX year old college XXXX, worked three jobs to pay for a reliable car to get to work and school. I was working late and dealing with the homeless people on the bus and public transportation late at night. My car was repossessed three times after losing two jobs due to my school schedule by Santander Consumer USA, loan company. After the third repossession in XX/XX/XXXX, Santander Consumer USA loan company stated that I could not reinstate the car payments to get my car back ( my family in the past had helped me to get the car back from repossession ). While picking up my car after the first repossession, another person was there at the same time as I was to pick up his car and he stated that Santander Consumer USA had repossessed his car twice in less than two months. Therefore, since Santander Consumer USA stated that after the third repossession, I could not get the car back, the car was scheduled for auction according to Santander Consumer USA. I received a letter from Santander Consumer USA with the amount that I must pay after Santander 's letter stated that the car had been sold and a balance of approx. more than {$19000.00} is due on the XXXX car after the car was sold and which I paid approx. {$21000.00} in XXXX. Santander also mailed a letter stating they would take a settlement of approx. {$5700.00}, if I contact them before XX/XX/XXXX. The letter state that the settlement had possible tax impacts for myself. I need to know what the true balance after the sale of car by obtaining a copy of the Bill of Sale for the car and where did the auction of the car take place information from Santander Consumer USA. After several calls and failed attempts to get information about the auction sell amount and the auction place of the car, I wrote a letter in XX/XX/XXXX and XX/XX/XXXX after not receiving a response to my requests for information about the sell of the car to Santander Consumer USA. 
XXXX. XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX-XXXX as below The following information was requested in a letter from myself. dated XX/XX/XXXX and sent to your office VIA CERTIFIED MAIL. As of today, XX/XX/XXXX, I have not received a response back from your office to my requests as stated in the letter from XXXX XXXX. This is in violation of the Fair Credit laws. 

Subject : Request for a Loan History, Request for a copy of the Sale of the Vehicle Documents and Request for Publicized Sale of the Vehicle Document This letter is a request for a loan history on the XXXX. XXXX XXXX ... .... ( Vehicle ) from XX/XX/XXXX through XX/XX/XXXX. 

This letter is also a request for you to mail me a copy of the auction sale documents indicating the price the vehicle was sold for at auction on XX/XX/XXXX. 

This letter is also, a request for you to provide to me a copy of the documents that advertised / publicized the vehicle for sale. 

I look forward to your response in writing for the following requests within the next 15 days from XX/XX/XXXX : 1. Request for a loan history for the vehicle 2.  Request for a copy of the auction sale document indicating the sale price of the auctioned vehicle 3. Request for a copy of the publicized sale of the vehicle document Regards

Company response to consumer: Closed with explanation