Consumer complaint received 12-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Taking out the loan or lease

Complaint: Im a XXXX XXXX XXXX XXXX XXXX with XXXX. Over the phone the internet sales dept was great talked me into coming in. Immediately I stood around while everyone walked past me with frowns on their face like they were mad I was there. Another sales guy paged a XXXX kid who had to come from another part of the dealership to deal with me when there where plenty of other able bodied XXXX around who could have shown me vehicles. I had already gotten a pre approval online with XXXX who requested i come into their dealership. While there after looking at vehicles the XXXX kid who was helping me got scolded by used car manager for not bringing me inside to fill out a credit app before showing me cars. He was wanting to force me to let him hit me Credit before test driving any vehicles to see if I even wanted XXXX when I already had a pre approval. Next while I 'm in there I hear the used car mgmt make a negative charged comment about a customer calling repeatedly about a vehicle they just purchased. It almost made me walk out but I felt bad for the kid who had put in all the effort of helping me look for a vehicle I did n't want to ruin his commission over his boss being unprofessional. He was going to refuse to sell me the car when I started debating about a down payment and loan interest which I felt was to high. He would say the bank demands this amount and swear he could n't change it, then he would change it without speaking to the bank. This went on until I agreed to put up {$1000.00} for the vehicle down payment which I later learned in finance office the dealership charges a {$1000.00} loan assessment fee which is not fair since they do n't even assess their vehicles correctly before putting them on the lot to be sold! I qualified for better rates and terms because I 've had multiple positive car purchases on my credit while managing multiple car payments. Then when I get to the finance office I felt pushed and pressured to sign. They forced all kind of warranties and extra things on me which I kept refusing. They tried to make me feel guilty or like I was doing something wrong by not purchasing the add on items. I was in finance signing the papers for hours it was really uncomfortable and I had to pretend to agree with a XXXX who kept talking about XXXX needing to be locked up and owning guns, WHICH I TOLD XXXX SERVERAL TIMES I DONT OWN PNE AND IM NOT INTERESTED IN THOSE THINGS ARE COMVERSATIONS BECAUSE MY DAD WAS KILLED BY A GUN. After awhile I finally agreed to purchase XXXX to just leave with my car because I was stressed and exhausted from the process of debating about things I made clear I did n't want. So then he says I 'll shave a point off your interest to give you XXXX He lowered my payment and went from 24 % to 23 % without calling the bank. I asked how he could do that and he says he has a relationship with XXXX. Although the used car mgmt swore up and down otherwise. i believe my interest was only this high because I had a XXXX. They all kept starring at me an they think I 'm XXXX but I 'm not. I just like the style of hat, after agreeing to like XXXX I went from XXXX to 23 %. My check engine light comes on 3 days after purchasing, service cleared the code and it happen again in a week. Found out car needs {$1000.00} worth of maintenance that was promised to me had been done. Then used car mgmt tells me I have to pay for things he lied about. Plus brakes are bad and I ran out of gas the first day because they sold it to me on E! After I complained the mgmt says I have no freedom of speech even though I was saying yes XXXX an no XXXX without being vulgar or calling names. They violated rights I have in constitution after robbing me by selling me car which was n't properly serviced. This is dealer fraud. Along with XXXX discrimination. General mgmt was notified and he laughed at me.

Company response to consumer: Closed with explanation