Consumer complaint received 2022-01-10
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan contract for my car ended XX/XX/XXXX. For 16 months which is 1 year and 4 months. I paid {$480.00} every month, which equals XXXX. I will send the money cashier check from the XXXX XXXX XXXX XXXX signature requested overnight through XXXX. I have tried numerous times including with a paid lawyer how to settle this balance. Santander offered to lawyer I can modify the contract to 7yr with 6 % interest rate at payments for {$480.00} to pay off the XXXX. In XX/XX/XXXX my balance was XXXX. When my contract ended XX/XX/XXXX it was XXXX. We are in XX/XX/XXXX its at XXXX. I have called Santanders up until XX/XX/XXXX. I was told it was not in repo status. If my contract ended how did I go from 24 % to 6 % with no contract? It's just a balance at this point. I have been paying the regular payment for 1 year and 4 months after the contract. Because Santander way makes no sense for me to lock myself into 6 % with a payment plan taking another XXXX plus XXXX with no contract Also reporting XXXX late on all 3 credit history every month. Im still paying monthly payments. The balance of XXXX is not going down. Santander is getting ready to write off at 120days and repo. Why would I need to do a contract with 6 % when they should have just set up a monthly payment. XXXX. Why is the balance XXXX XXXX. Where is my 1yr four months payment? Santander reported XXXX to all 3 credit bureau in bad standing then good standing bad standing. Santander would not let me set up a payment plan without 6 % interest or nor change payment. Santander want to keep it at {$480.00}. How can you do that with no contract? Santander reported to all credit companies my last payment was XX/XX/XXXX. How when you received the 1 year and four months of payments passed the contract ended. Where did the XXXX go? Why are you still charging interest on a contract that ended XX/XX/XXXX? If Im responsible for the charge-off and Santanders can put a lien on the title, why did they put a lien on the title for {$11000.00} when I was paying them for a whole year and four months? When did Santander charge-off this account? When I did my disputes to all 3credit reports I had contacted Santander a week prior and the account was not in charge-off nor in repo status. When I spoke to the executive office representative kept saying it was an interest day loan. I said how is this an interest per day loan with no contract. The contract ended a year ago XX/XX/XXXX. If SANTANDER sold my account to a creditor the amount for the charge-off is incorrect. For 6years and 8day I have requested numerous times for my account to be audited for the XXXX purchase of the car to XX/XX/XXXX. I sent numerous letters to the legal dept asking to audit my account. I asked for numerous supervisors and was told by several representatives that they were going to email the executive office. I have been locked out of my online account and all my calls are going straight to the executive office instead of the regular customer service. I called XX/XX/XXXX after a dispute was place to all 3 credit bureaus. My calls are going to the lost department. I even requested XX/XX/XXXX with my cousin on the line to fly to the corporate office to sit down to speak to someone face to face. I was told XX/XX/XXXX that there was no one that I could speak to face to face. Last payment was XXXX. What Santander reported for this charge off is incorrect.

Company response to consumer: Closed with explanation