Consumer complaint received 2017-03-30
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I left my job in XXXX and had some financial issues as I searched for work. Santander Consumer USA entered into an agreement with me to extend payment on my account, retroactively, that XXXX. They extended the XXXX payment to XXXX XXXX. T I agreed solely because they indicated it would be an extension that would avoid my having a delinquency on my credit report. 
As you can see from the agreement, it states nowhere that it would not apply to credit reporting and I was n't told it would not, quite the opposite as I recall. 
I never would have bothered to obtain a retroactive extension if it were not to preserve my credit. 
I spoke with Santander today and they were unreasonable as well as abusive. First. they denied the agreement existed. As you can see from the attached agreement, it existed together with a digital time and date stamp demonstrating when it was entered into. 
Notwithstanding, they then agree I never executed the contract. this was also false as I did so through the application they sent me to sign through which automatically provided them with the agreement upon signature. 
Then I spoke to a supervisor, XXXX, who did not dispute the existence of the agreement, but claimed the extension did not apply to credit reporting. When I told him that the written agreement said no such thing, specifically or generally speaking, and no agent said anything of the sort, he told me it was my responsibility under the FCRA to pay on time. After I told him that was not the point or the law the we were talking about, since they had a contract with me and we were discussing their not living up to their side of the contract, he told me to " Stop playing like you 're the victim! '' and " You are blaming us for everything and do n't think anything is your fault. '' He later alleged that I was accusing Santander of " predatory lending '' and was wrong in stating that the terms of our agreement are construed to favor me here because there is ambiguity and they wrote the contract. He called me litigious and when I told him I had said nothing regarding litigation he became irate and he hung up on me. 

I do n't deserve to be treated by a lender of any kind disrespectfully and I certainly do n't deserve to be spoken to abusively. I was never talking of litigation with the man and only was pointing out what the law is and has been regarding contracts with ambiguous terms through out the country for a long time. Now what I do believe is significant to note is that Santander is the largest lender in the US currently for sub-prime loans of this sort. If any company were to have a motive to keep their customers from improving their credit, its this one that stands to watch customers leave once they can get new loans due to improved credit. I believe you should investigate whether the large number of reports of sub-prime consumers all over the internet facing similar difficulties with Santander is the result of a company policy favoring unyielding credit reporting decisions.

Company response to consumer: Closed with explanation