Consumer complaint received 2015-04-24
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a vehicle through Crysler Capital and XXXX. When I financed the vehicle I went thru hard time and in my first location i could n't find car I need it was so so but the finance percentage was 12 % when my first vehicle was finances with 1.9 %!!! 
So I changed my mind because vehicle did n't match my requirements, and I went to another place where I found what I need, my offered Percentage there was higher 18 %!!! I asked if I can pay off right away, they told me yes. That what happened. 
Crysler Capital sent me Thank you for financing your bla bla and then I got a Title ( Clean Title ) No lien from XXXX in MD. Unfortunately I am not sharing any of my documents to prevent further fraud that I 'm currently involved in. 
After that XXXX and XXXX left an white envelope with hand written on front XXXX XXXX Personal & Confidential. There was a collection letter on plain paper without letterhead. I put a title in mail ( certified ). They got it and disregard all further action as sole and only owner of the vehicle. 
They started to call me annoying phone calls, them somenbody scratched my car rear bamper on parking lot, my breaks were crying, my electronics were crazy, its ice on the road when its warm, then oil change, scratch of rear right tire rim, nail in rear right tire, rear sensors were signaling when nobody is in the back, my XXXX made weird sound, loud sound ... i complaint to Regional Office that may be car has defect. They opened case for me but I never showed up for diagnostics because all stopped when I started to complaint everywhere!!! 
One day I did n't find my car on the private parking lot, it was towed ... I called to Police they told that vehicle was reposessed and it is civil not criminal and they cant help me. The XXXX XXXX towed the vehicle too far XXXX hr by car to get there. 
XXXX in XXXX. 
I called to Crysler Capital asked them if they are okay that they prosessed payment and later lost it and nobody knows how it all happened?! 
I contacted them with question if they have sick people?! No answerShow payment and that 's allI would stop if I would n't have title and thank you letter in my hands, please obtain those from MVA in MD. 
During all that time i went thru harassment, assault, even termination of employment to hire me with compensation of XXXX annuAlly. 
Right now Human Resourse coming to me from Crysler Capital or XXXX XXXX ... 
They are trying to terminate my employment at the place where I work with different kind of complaints on me, or affecting my health with stressing me out, what I am not suppose to go thru because of XXXX and restriction of health issue. 
Based on all what I got so far I would n't even consider employment with organizations who does n't have financial security and may loss your payment or somebody can steal money from XXXX places. it means that its security is weak, very weak ... I will not go to work in any financial organization with poor undeveloped security. i believe that REPUTATION of these XXXX financial organization as there PERFORMANCE is very LOW and will not seek employment based on my skills, knowledge and background for poor compensation. 
What you would do if you were me?! 
I must give up on my preferences and moved to XXXX Brand CAR. I have a picture on my phone, I wish you can see it.

Company response to consumer: Closed with explanation