Consumer complaint received 2017-05-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing concerning  Santander Consumer USA. The comp any 's business practices against me leave me feeling lied to and violated. Santanders ' predatory lending is a clear example of discrimination. When I initially went to the dealer to purchase the car, I needed a vehicle very badly.   M y credit score was affe cted because of fraudulent activity, and I showed the dealer letters from court, showing court dates, or sentencing dates for persons who had admitted to use of my identify. I never knew the people, and the court was based in South Dakota. I wanted to prove to the dealer my identify, and better my interest  rate. Santander stepp ed in and approved a high interest rate, that I was not in a position to challenge. When I got the vehicle, I paid my monthly car notes religiously, and also paid several extra payments that I had them apply directly to principal. I paid over {$3000.00}, in such principle only payments.   In phone conversation with a Santander representative, I asked them, that if I ever came upon a time that I could not pay my monthly payment, could I call them to reverse some of these principle payments, and have that money re-applied towards my monthly interest accruing payments. The woman that I spoke to advised me clearly, that it was the company 's standard practice, that if a vehicle was going out for repo that they would reverse any extra payment made to principle, and apply them to the monthly payments to stop repossession, without contacting me. I do not remember the date of the call, but if you demand all of our conversations for review, you will find this false statement made to me by their representative. It is a violation of FDCPA for them to make my hone ring several times in a day, or to make contact with me more than once in a single day. However, they frequently made my line ring multiple times per hour while i was at work, and could not take a call. They are sure to have recorded this, so I do n't see how they can not understand that their representatives where breaking the law.   On  two occasions, I had to take two calls f rom them the same day, with me telling them the second time that I had just taken a call from their office within the previous hour, and I knew I had fallen, behind and that nothing had change from our last conversation, that same day. The company repossessed my car, and failed to live up to it 's claim that they would reverse and re-apply my extra money spent to principal, towards my monthly payments, which would have easily stopped repossession. When the man arrived to repo, I had no idea that then car was out for repo, as I never got a call, not a letter, that they should have given me. Seeing that they had previously violated FDCPA, contacting me twice in the same day, I am sure that they had my phone number, as well as address, because they picked the care up at the address they had on file for me.   Lastly, when the repo guy showed u, and had hooked my car, I advised him that I had an attorney who would be representing me in a bankruptcy. He shrugged his shoulders and told me his job was to get the car. I asked him to get  Santander on the phone and he could not, or would not. This entire ordeal with Santander i s killing me an driving me crazy, because they operated incompetently and unfair. Now, that they have insulted me, lied to me, and harassed me they are posting a repossession on my credit ( that they wrongfully repossessed ), and then charging me an incorrect balance, because they sold my car, that they never should hav e repo 'd, and are c harging me to pay their repo man.      XXXX

Company response to consumer: Closed with explanation