Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (OH)

I got a paper in the mail today claiming how much I owe the company after they repossessed my vehicle and sold it at auction. One of my problems with this is that on their website it says as of XX/XX/XXXXXXXX  I owe {$9200.00}, so why does this paper say my beginning balance as over XX/XX/XXXXXXXX  is {$11000.00}? And what really strikes me as amusing is the fact that, Santander Consumer USA, has the audacity to demand {$11000.00} from me after they've done nothing but make my life a living nightmare since I signed the predatory loan through XXXX XXXX in XXXX in XXXX ( suspiciously the 2 men who sold me this used vehicle were fired 2 years after I got the vehicle ) which is also around the time Santander USA was facing the lawsuit for {$550.00} XXXX for predatory lending, which I WAS NOT NOTIFIED OF!!!! My contact information is the same until a month ago, my phone number has recently been changed but my email address has been the same since I was in middle school! I was NOT notified! This was also around the time they deleted my entire credit score on XX/XX/XXXX, XXXX points down to XXXX again! 2 years I paid them to get my credit where it was and they deleted it and couldn't give me an explanation on why! They said they would refer it to their 'credit team ' and I never heard about it again..Calling their call center gets you absolutely nowhere! I called the credit bureaus for them to tell me all Santander had to do was send in an accurate report of my loan, which they failed to do after I notified them of this! And I didn't receive any answers for that either! So many unanswered questions and the cycle of XXXX they put you through is disgusting! They ought to be ashamed of themselves! It's all about the money, I see that now. They completely screwed my whole life, and on top of that I went without a vehicle for months because they drug my car out of my driveway to repossess it at XXXX, ( which they did damage to my property in the process ). Evidently people don't understand how cameras work! I've already written to the XXXX  about this, haven't heard back. If nothing happens through this website, I'm contacting a lawyer. I've called frequently through my time with them to get a formal contract sent to my address, have yet to receive one! The only paper contract I have from them is the pink and yellow paper I got from the dealership! I know more than the average bear and I know for a fact this is a predatory loan, they took advantage of me when I was XXXX XXXX XXXX and because I didn't have any credit established they double charged me for the vehicle knowing the probability that my contract was going to default ... XXXX XXXX is responsible too but I'm aware of the statue of limitations on that situation so I'll do them this favor and leave the rest of their story short.. My only question to XXXX would be " When I was sent a trade-in offer in the mail last year and I went down there, how come the lady I spoke to there said there isn't any record of my car being sold there? ( this was after she told me to she couldn't use my car as a trade-in and she then told me to just 'not pay it ' because there's not proof of it existing! Oops, explain that..Sounds like the IRS might need a call too..Then they can explain where nearly {$14000.00} that they sold me my vehicle for, went? I don't know who to go to or what to do about this situation so any advice in the right direction and away from Santander is helpful to me.. Thank you.