Consumer complaint received 2022-08-29
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:
Life happened, I communicated to Santander, letting them be aware of what was going on, I lost my employment with the school system back in XXXX, back was still able to pay my car note, but it wasn't until late XXXX to early XXXX when things took a turn for me, which I was just working to pay my rent and utilities. Santander repossess my car back on XX/XX/XXXX. I got some information for them about they have sold my car, I only have a few months to go, before it was completely paid off, like {$1600.00} or more. After I was informed that my car was sold, there was no need for me to even try to come up with any money, my car was sold. 

I got notices for a while, then it stop, knowing that they put me down at the credit bureau. So I received a call and I should have ignored it for the sole purpose, it was unknown, I received a couple of them maybe twice a day, but would not answer them, that XXXX day that I did was in XXXX of this year???? So I noticed that there was a message on my phone, I listen to it, and this lady told me that it was to my benefit to give her a call back ASAP, for it was dealing with a law suite , she did not go into details of the matter, but to return her call, so I did. The person that left the message did not answer the callback, I spoke with someone by the name of XXXX XXXX, and she came across as loud and asked me if this was XXXX XXXX that she was speaking with, I acknowledge her. She then went through this spill of why she was calling and that Santander had this arbitrary company that work for them to contact me. 

She went on that I needed to paid the balance and if I didn't that I could go to jail, I told her that I have had a hardship because of my employment status and that I could not pay, but as I proceeded to explain, she stops me in mid-conversation to tell me that she may help me but to wait on the phone, while she calls Santander about what happened to me for me to not paid my car note and after it was sold, I found it funny, that she came back on after XXXX seconds to tell me that Santander will accept {$550.00}, but that I need to put a deposit down that same day and I told her that I could not do it, but maybe the following week, she agreed, saying that she will work with me, because life does happen and that that was misfortunate. I also was trying to let her know that I received a letter in regards to Santander wrong doing with their customers that they were giving too high of a percentage in interests, but she over talk me to say that's okay, we will just deal with what's at hand now. So I put a partial down payment of {$150.00}, and that the rest of the XXXX partial of {$230.00} for XXXX and XX/XX/XXXX, which she did get for XXXX the XXXX, I thought about it {$230.00} later and I said that something didn't feel right, so I tried looking up their name and found nothing by that in GA, however, I did find this one in VA, but they spell their name full out. Not like this one that I sent money to already, XXXX XXXX Collect. I also called the XXXX XXXX  that I paid for and ( XXXX ) from XXXX helped me out because I could not find this collection, XXXX, suspect that it was a scam, I informed my bank about it and she suspects that it too was a supposable scam too, so she advised me to go and get another bank card, so that they would not get any money out and on her end, she stopped it from going through, like who would reduce the payment to only {$550.00} to settle a debt? Their numbers are XXXX, XXXX, and XXXX ext. XXXX?

Company response to consumer: Closed with explanation