Consumer complaint received 2022-03-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I financed a vehicle through Santander Consumer for. XXXX  XXXX XXXX. 
I feel like I was targeted both as single female and by predatory lending and intentionally misleading and deceptive lending practices. 
My vehicle was repossessed. Throughout the entire loan timeframe I didnt receive any statements, terms or conditions, And nothing stating terms of my loans outside of initial contract inside the dealer office. There was no correspondence giving me info reguarding late fees and how my payment was allocated including interest and principal balance. I did however receive several marketing letters trying to upsale me and offer me warranties.upon trys to access my online account I was unable to and troubleshooting with the companies tech support was not alleviating the problem either. I was never able to login and access my account on the companies online site not once. Tech support informed me that there was little they could do. 
I consulted with a different financer today and I was warned about and was cautioned against using Santander. That they have a reputation for deception and intentional misleading business practices.Iam a former XXXX XXXX XXXX XXXX  and a current XXXX XXXX XXXX XXXX XXXX. Iam on the XXXX  during this pandemic and my schedule is less then ideal, so I depend on emails text messages. I require statements which I never received. Upon calling the company today to my great surprise the address on file was an address I do not reside at and never provided. I attempted to resolve this, and to say they were unwilling to work with me is an understatement. The representative stated that a few correspondences were sent but she failed to provide an address and dates or what the mystery correspondences even pertained to. I was transferred to an unamed department which turned out to be a debt collector. I dont even know if my loan was sold. I was given no other option then to pay the loan in its entirety in order to get the vehicle back, which is absolutely not what I am able to do. I accept the responsibility of defaulting on my loan. But they need to accept responsibility of their negligence. As per of the FCRA isnt fair and accurate credit reporting supposed to be fair? And how can they justify taking the only method of transportation away from someone who puts their life on the line for this community justified without any attempt to solve this. I feel taken advantage of. I feel I have been deceived, but more then anything else I am disappointed that businesses like this if allowed to go unchecked could do this to someone else. To add insult to injury, my son is severely XXXX  this vehicle is his XXXX identity, his id for first responders in case of emergency. It is our only way to alert of my non verbal son needing special assistance. And I dont know if Ill ever be able to get that back, it is our life line. I look how to hearing from you. Thank you for your time.

Company response to consumer: Closed with explanation