Consumer complaint received 2021-12-17
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/XXXX, I Went to XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Missouri XXXX to lease a XXXX XXXX XXXX. I was allowed to leave the lot with the vehicle for 7 days pending the approval from Santander Consumer USA Bank. I was contacted 7 days later by XXXX XXXX, a sales associate and told via text I was approved and to come and finish the paperwork. About 15-20 days later I was contacted again and about additional paperwork. I submitted all that was asked for. I was told Santander rejected my bank statements and social security award letter. Eventually I was told Santander rejected the loan. I contacted Santander myself and recorded all conversations between myself my granddaughter and Santander bank. Santander said they never rejected the loan the requested my bank statements and Social security award letter. I explained that I was told by XXXX XXXX that Santander rejected both my statements and Award letter. I was then given a email to send the items over directly and was asked to stay on the line so santander could call XXXX XXXX and request the deal be sent back over. XXXX XXXX has not responded. Santander has attempted to contact XXXX XXXX multiple times. I contacted XXXX XXXX about sending the deal back to Santander. I spoke with a couple people at XXXX XXXX and was told I needed to go back to the dealership for them to send the loan back. When I replied I shouldn't have to go back for them to send the deal back and has never been made to go back for XXXX  XXXX to send the deal back to Santander or any of the banks they sent the deal to extremely negativly impacting my credit score even after knowing Santander never rejected the loan but XXXX XXXXXXXX continued sending my deal to other banks and getting rejected. Some of those bank received my deal more than to once to run my credit further damaging my credit score. I've asked numerous times why they won't send the loan back to Santander and was eventually told the car was reported stolen the police have been called. I have been contacted numerous times by different sales associates finance XXXX XXXX  and so forth with threats. I've been told the care is being GPS and told exactly where I was, at the time. When I asked how long have they been tracking me I was hung up on. I was told by Santander the check stubs and Social security award letter has never been sent over by XXXX XXXX. The did not get that information until I sent those forms of documents to them myself. I verified that through multiple Santander bank financial department reps. I was told by XXXX XXXX if I bring the car back they would give my full down payment back. The contract states they charge {$0.00} a mile. When I asked about that I got no response. I also stated to many that called about the damage they had done to my credit score running my credit with multiple banks after know I was never rejected by Santander bank. I never got a response about that as well. I have no reason to trust this dealership ap face value because of the multiple lies harassing phone calls, in some cases back to back after they found out I've filed a complaint, and illegal measures and lengths they are attempting. I have also been made aware of multiple complaints with the XXXX as well as dozens and dozens of reviews of the same tactics and others from multiple review sites. Court documents show settlements out of court. One of the complaints that went to court and settled out was someone that also did a review and had the exact same thing done to him as is happening to me. I believe XXXX XXXX never intended to lease the car to me but infact intended/intending to scam me out of my money further damage my credit so I can't go anywhere else and have me owing them more money. There is no other reasonable explanation for the multiple people seemingly being scammed whom posted reviews, my deal not being sent back to the bank, my credit being damaged, the harassment, and all of the above. XXXX XXXX should be fully investigated. The reviews show this behavior started just as the covid-19 shut down occurred. It needs to be investigated weather or not XXXX XXXX is facing or already in bankruptcy. I have many many documents texts and videos to support all that I've explained.

Company response to consumer: Closed with explanation