Consumer complaint received 2017-05-05
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dispute for  Santander Bank  I am filing a dispute against  Santander Consumer USA . I will no longer be paying the monthly payments on the   XXXX   XXXX   XXXX   XXXX   until this matter is resolved.     I believe that the loan has been given to me on a fraudulent basis. When we came to   XXXX   XXXX   last year, we were told that they could get us into a vehicle and that we would be able to refinance a year later with no problems. The day we came to  XXXX   XXXX  was very stressful. They had us there for over  eight h ours and had us sign so much paperwork and the only thing I received from them was a contract to keep for my records. I do not remember signing off or even seeing the credit application before it was processed. I do not believe that  XXXX   XXXX  got written confirmation from me to process the credit application in the way they did. We were also passed around back and forth betwee n two e mployees who pressured us into staying there and didnt give us a lot of information as to how they would be able to get a loan for us.     My husband and I were both at the car dealer and they told us they would be able to get us into the   XXXX   XXXX   by using household income and to let them work their magic. Unbeknownst to me, they would up using my  credit score  with my husbands employment information and income in order to push the loan through. I have not worked in over 7 years and I have proof with the income taxes that I have been unemployed. I do not know what they wrote on the credit application and what was said about my employment and income.     We have currently been in the process of refinancing or trading down the  XXXX . As we called around, we recently discovered that what  XXXX   XXXX  did was fraudulent. They falsified information in order for the loan to get approved.     We have contacted   XXXX   XXXX   XXXX   who is the lien holder of the loan and asked them if we would be able to get a copy of the credit application. We were told that they do not have a copy of the credit application because everything is digitally submitted. They then referred me to contact   XXXX   XXXX   and request a copy of the credit application by them.     We contacted   XXXX   XXXX   and they told us that they do have the credit application but they are unwilling to send me a copy of the application. They have claimed that they are not obligated to give me my copy of the credit application and that I will have to get a court order in order to obtain the credit application. I believe that this confirms that what they did was fraud and they do not want to get caught. I have received council that I should be able to get a copy of my credit application. However,   XXXX   XXXX   is extremely uncooperative. I have email communication between a supervisor and myself as proof that they will not be giving me my credit application. They also told me that they will no longer be communicating with me without a lawyer. I did not know that obtaining my credit application would be so stressful. If I were asking for it from any other company, I believe that they would cooperate. unless they knew that they were in the wrong.     Also, I have submitted a request to  Santander to in vestigate whether or not the loan application has information that has been falsified. I submitted that request a week ago, and they told me that it would have been resolved within  two to three day s. It has now been a week and I have not heard from them. Also, now when I call  Santander,  I am automatically sent to a voicemail of the president  of Santander. I  left a voicemail on his line on   X/X/17  g iving him  two days  to get in contact with me. I have not heard from him yet, but I also can not get a hold of a live representative ever since the investigation has gone under way. They are leaving me in the dark. There has been no resolution in regards to the investigation. It is as if the investigation has never happened. It is very unprofessional. I have not been given any solid answers by either of these  two comp anies, and they do not deserve my service. I refuse to be a part of something that believes that doing things fraudulently is ok. Please open an investigation into  Santander. I wi ll also submit a complaint against   XXXX   XXXX   and  Santander th rough  the Better Business Bureau and with the attorney general of Pennsylvania. I dont believe I should b e treated this way, especially since I was simply asking for a copy of my credit application.     Thank you.

Company response to consumer: Closed with explanation