Consumer complaint received 2019-04-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX in XXXX of XXXX. At the time of the purchase I was told that a {$1000.00} down payment would be needed but was not told that on the phone when I was approved. I told the salesman I did not have {$1000.00} but he could take it out of my account within two weeks. I gave my debit card information before I left and assured him that it would be in my account. Two weeks passed and then the year XXXX passed still no removal of my money which I assumed had been taken out. No contact from the dealership regarding the matter a month after I purchased the car two months three months nothing. Then about several months ago I would say around XX/XX/XXXX I received TWO separate calls from the dealership informing me my down payment was never received. I called back TWICE and left messages to the finance manager no call backs ever. No certified letters sent to me no other phone calls until today XX/XX/XXXX from XXXX who I am assuming is the HEAD collector. She left me a voicemail stating that if I did not contact her immediately that she was going to Magistrate Court and file a warrant on me. I proceeded to call her back and attempted to explain to her that I have called several times as in TWICE no callbacks no nothing and she proceeded to get loud and state that I was going to be arrested and I got loud back and told her that she had no right contacting me with a threat to have me arrested for an issue on their part that they should have called me a month after I bought the vehicle, I never received any certified letters no callbacks after I left TWO messages back in XXXX. She proceeded to hang up in my face. I called the dealership back and asked to speak to the manager over the dealership at that time I told the receptionist what just transpired and she transferred me to a gentlemen by the name of XXXX I may be wrong about his name but he identified himself as the manager but I proceeded to explain to him what was going on and he basically stated to me if I have so much money why I had not paid my down payment and I explained to me that it is against the federal rules and regulation for XXXX to call me with a threat of arrest over something that the dealership DID not properly handle. He got smart with me and I told him I can give you {$500.00} today and he still kept being very rude and nasty and I explained that he needed to inform XXXX that she can not as a collector call and leave messages with the threat of arrest and also when I spoke to her she can not harass me and say she would get me arrested and a warrant taken out on me, He proceeded to take my information and told me well XXXX is the Cougar of the company meaning she's going to use whatever tactic to get a debt that is owed and hung up in my face as well. I am a medical consultant and I have done collections in the past and I know that it is not acceptable to call in a harassing or threatening manner regarding a debt. I also called XXXX XXXX to complain to inform them of the issue and I want to say that they are not part of my complaint but they did proceed to take a statement from me and gave me Case # XXXX regarding my complaint.

Company response to consumer: Closed with explanation