Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (FL)

THIS IS NOT A DUPLICATE COMPLAINT My complaint for the Santander unfair, misleading and deceptive business practices in the bankruptcy and repossession of my car letter is attached. 

I want Santander to answer the inquiries the company continues to dodge.

1 ) The bankruptcy exemptions make my equity in the vehicle part of the bankruptcy. Why does Santander refuse to return the vehicle?

2 ) Proof of Santander claim that my account was 'locked out ' instead of 'deactivated '?

3 ) Proof to show my account has always been a paperless account. Why did the company fail to provide Notifications of the repossession on my portal in the company webpage. Explain why payment arrangements, repossession actions and Account Notifications like the ones sent to my home were not included in my web portal?

3 ) Proper accounting of debits and credit to my loan? Where has the principal and interest payments been applied throughout the life of my loan. With full disclosure of the other fees applied to the account. What are you charging for?

4 ) Provide the call logs for XXXX  XXXX and XXXX  XXXX. These recorded calls show what I say true that I had a payment arrangement to return in XXXX  XXXX  to resume my monthly car loan payments?

+++++++++++++++++++++++++++++++++++++++++++++++++++++++ THIS IS NOT A DUPLICATE COMPLAINT Santander Account No. : XXXX  On XX/XX/XXXX at XXXX EST I faxed the Santander Bankruptcy Department and the Executive Team a copy of my Chapter XXXX  Bankruptcy. Under the bankruptcy exemptions a car loan with borrower equity belongs to the bankruptcy, is to be returned to the debtor, for a repayment plan under the bankruptcy proceedings. I requested the information on where I can pick up my vehicle and the same as my experience has been with Santander for the last 3 months, the company chooses to ignore my requests. Please tell me where to pick up my car.

Next, Santander staff claims that in XX/XX/XXXXwhen I went to my web portal on the Santander website my account was locked out because I tried to log in XXXX  times. This is absolutely false. I do not have XXXX passwords to try to log into my account. I have NEVER had a problem logging in. The XXXX times Santander claims I tried to log in were in a two-week time period when I was trying to complete my part of the payment arrangement Santander and I made on XX/XX/XXXX My account on XXXX XXXX was de-activated. I am tired of the Santander lying, unfair, misleading and deceptive handling of my account that has resulted in a wrongful repossession and subsequent Chapter XXXX  bankruptcy for my necessary vehicle. Please provide the Event Logs that show my account history for XXXX, XXXX, and XXXX  XXXX.

I have asked several times for an accounting month by month of how much money my payment goes to principal and how much goes to interest. I want to know where my payments have gone. I want an itemized accounting of the fees for this loan pay off. Please send me an itemized accounting of all monies applied to this account. As per my paperless option. Please submit this account either to my Santander web portal ( this information is Account Payment information listed as my option with paperless selection ) If you want you can send the information to my email address so that I may retrieve it in my usual and customary way of communication with Santander Consumer. I fail to understand why I have had to spend months asking for a break down from Santander Consumer. If the company does not want to follow the USA lending rules and regulations then you should do business in America.

Santander claims my reporting of the payment arrangement can not be collaborated. The staff would like people to believe no record exist yet this is absolutely false. Every call Santander makes begins with the person saying, this is a recorded call. We live in a digital World every action on the computer system is recorded. Nothing occurs without the ability to verify. Santander wants people to believe no record exists because they do not want to show what I claim true. I had a payment arrangement with Santander staff in XXXX  XXXX. In XXXX XXXX, the company changed my communication from paperless to paper, so that I would not know Santander began repossession actions, I am outside my home for work and that is the reason for a paperless account. My agreement with Santander is that a paperless account gets all Notifications, all payment information, all account communication online. Next, when I went in XXXX  XXXX  to make my payment, as agreed to in XXXX XXXX, I could not. Now Santander wants people to believe the account was locked out due to wrong password when in fact it was deactivated and my many requests to re-instate the account ignored. Instead, Santander sneakily came in the middle of the night and repossessed my car that I use for work. I have been swindled because Santander sees equity in my car. What Universe is this okay? You have to prove what you claim Santander. Verify for all of us to see what happened XXXX through XXXX XXXX  on my web portal account. A person who makes the time to keep the lender abreast of what is going on, makes a payment arrangement, a borrower with equity in their car, is not going to allow a repossession to occur if they know about it. Thank you for your prompt attention to this matter.

I want other borrowers to beware who Santander Consumer USA Holding Inc.is. I want borrowers to beware the constant lying and misleading, deceptive business practices the company employs. Because when I chose Santander, as the lender of my car loan, I had no idea what a corrupt company this is. My research shows Santander has been losing class action lawsuits since XXXX for the same problems I experienced in the repossession of my car. The class action lawsuit courts found Santander has unfair, misleading, and deceptive business practices. Santander Consumer even has a current SEC filing for lying to the people who invest in their company. The Internet is littered with people suing Santander for their way of conducting themselves. This is a National company with two other National companies swindling customers out of their hard-earned income. The following are a list of the lawsuits I found : The following is the XXXX  link to the Federal Trade Commission ( FTC ) class action lawsuit for Santander Consumer that included State Attorneys from 34 States : XXXX  XXXX  XXXX, ( Retrieved from the Internet onXX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXXXXXX More legal problems with Santander Consumer unfair, misleading communication and deceptive practices : Department of Justice , ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXXXXXX U.S. District Court for the Eastern District of Arkansas., XXXX XXXX XXXX XXXX  Santander Consumer USA , Inc. ( Retrieved from the Internet on XX/XX/XXXX ) :XX/XX/XXXXXXXX XXXX XXXX CFPB ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX v. Santander Consumer USA Holdings Inc. , ( Retrieved from the Internet on XX/XX/XXXX ) XXXX XXXX XXXX XXXX/ CLASS ACTION COMPLAINT FOR VIOLATIONS OF THE FEDERAL SECURITIES LAWS, ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX