Consumer complaint received 2018-09-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (GA)

XX/XX/2018 I received a threatening voicemail from XXXX Contact, XXXX XXXX , with XXXX XXXX XXXX XXXX Threatened : ( 1 ) Summons ( 2 ) Schedule to Deliver of that Summons my place of Employment or Home in 24/48hrs ( 3 ) Wanted me available with 2 forms of ID ( 4 ) If my Summons is served at my employment they wanted a Supervisor or Security Officer to be available as witness ( 5 ) Failure to sign Summon could result in missed Court Appearance. 

XX/XX/2018 - I called XXXX, aka the Number provided. When returning the phone call to XXXX XXXX XXXX, the person who answered was XXXX XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX ) I spoke with Mr. XXXX, who said I owed {$8700.00} on an old Auto Loan, the statute of limitation for the old loan was nearing. If I wanted to avoid going to court, he said he would need approximately amount {$3400.00} to settle the debt today. ( I never reached the original caller XXXX XXXX or XXXX XXXX XXXXXXXX XXXX. ) I admit I was scared and intimidated I stated, I definitely did not want a summons to court and but Im currently unemployed and didnt have {$3400.00}. Mr. XXXX gave me hardship rate of a one-time payment of {$810.00} if paid by XX/XX/2018. I was emailed a one page document from Mr. XXXX from XXXX. I have never physically mail verification of the debt statement from XXXX XXXX XXXX XXXX. 

Mr. XXXX asked for my personal information, although I did not sign authorization, I provided them with my personal information, Name, Address, Debit Card Number, Expiration Date, and they had my SSN. 

XX/XX/2018 I later emailed/contacted XXXX XXXX XXXX XXXX that payment was unauthorized. They charged my account anyway. The money was taken out by XXXX XXXXXXXX XXXX ( XXXX ) XXXX is the contact for XXXX XXXX XXXX. 

XX/XX/2018 - Transaction for the amount of {$810.00} begin to pending from XXXX XXXX XXXX XX/XX/2018 I called the original creditors of the Auto Loan Debt, Santander ( XXXX ), who informed me that they had no record of XXXX XXXX XXXX XXXX and they had not sold the debt to XXXX XXXX XXXX XXXX. And that actually Santander still owns the debt. Santander informed me to call police and file a police report. 
XX/XX/2018 When belatedly researching XXXX XXXX XXXX XXXX there are many complaints with the agency. This company is not filed with XXXX. There is a one page website but no verifiable information. Even the address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Il XXXX appears fake. 

XX/XX/2018 Called XXXX XXXX XXXX XXXX to speak with Mr. XXXX with new information acquired from the original creditor Santander. XXXX, the Customer Service Representative from XXXX XXXX XXXX XXXX answered the phone. XXXX was aggressive, rude and hostile. He refused to help me or direct me to Mr. XXXX, or even patch me through to Voicemail ext XXXX. XXXX said caustically We got your payment. I know you already paid. You want something from me now. I dont want anything from you. You can keep calling back but I wont help you. We have your information. I found the whole thing ridiculous as I just wanted to speak with Mr. XXXX. But it clearly definitively at this moment helped me to establish that this was a HUGE FRAUD SCAM. I had just become a sucker and a VICTIM! 

XX/XX/2018 - I immediately called non-emergency Police Filed a police report. 
XX/XX/2018 I called XXXX XXXXXXXX XXXX ( XXXX ) and spoke to XXXX about a refund at around XXXX, since transaction was never authorized, I never signed any of the documents sent to me and I opted to decline. Instead of starting the refund process, she put me hold and suddenly, magically Mr. XXXX from XXXX XXXX XXXX XXXX appeared on the phone line. This was the person I had been trying to get in touch with from a different number since XXXX in the morning. XXXX their rude customer representative prevented me from connecting with Mr. XXXX. Mr. XXXX claimed that original creditor Santander would not know who they sold the debt to because it might have passed hands. I also stated XXXX XXXX XXXX XXXX is not listed in my credit report nor have I received any physical mail from them. Mr. XXXX continue to try to persuade/convince me everything was ok, and sent me an emailed with 1 page document saying I had paid so just present my document to Credit Card Agencies. I tried to get him to three-way Santander so they could speak but Mr. XXXX terminated the three way call. 

XX/XX/2018 A few hours later, I received important notification from my credit report ( XXXX ) that my personal Information including Social Security Information has been posted on the dark web. 

XX/XX/2018 My money is gone and my information has been stolen and used on the dark web! DO NOT BE A VICITIM! Trust your gut instinct. I am kicking myself now because I should have rigorously verified the company. This is the first time this has happened to me. 


SCAM COMPANIES : XXXX XXXX XXXX XXXX XXXX ( s ) : Mr. XXXX, XXXX ( first name only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX ext. XXXX XXXX ext XXXX. Ext XXXX XXXX website : XXXX XXXX XXXX XXXX   Contact : XXXX XXXX ( number listed in my Debit Card Transaction Report ) Contact : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX