Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Shopping for a loan or lease

Complaint: I received a flyer in the mail from XXXX XXXX XXXX XXXX in XXXX, TX on XXXX XXXX, XXXX. The flyer was a scratch off which showed I won a prize that could amount to {$50000.00}. I became very excited because I 'm a single mother of XXXX children who was having major financial difficulties this year so I thought this would be my opportunity to give my children a wonderful XXXX. I called the number on the flyer and went into the dealership to claim my prize. I was referred to a car salesman named XXXX XXXX. I gave him my flyer to claim my prize.. He told me that they could not honor the flyer until XXXX XXXX, XXXX XXXX. I was surprised because this was n't on the flyer. Then he informed me that he could help me purchased a brand new vehicle with very little down. I told him that could not be possible because I currently owned a XXXX XXXX XXXX fully loaded and was late XXXX times out of 48 months. He told me it did n't matter that he could still help me. I agreed to let him pulled my credit and he informed me that he could help me. He asked me how much I make I told him XXXX a year and he asked me how much could I put down I told him this month 's car payment which was XXXX. We test drove a XXXX XXXX fully loaded with leather seat. I felt a little bit skeptical due to the small size of the vehicle and the fact that it had bad reviews. XXXX continue to pressure me to buy the vehicle saying that he checked out my XXXX XXXX and that it was badly in need of repairs and will not pass inspection when I try and inspect it. He informed me that it needed a new transmission, XXXX new tires and the air conditioner was broken. I became frighten when he mentioned a new transmission because I was already struggling to make ends meet with my kids. I could n't affordd a XXXX car note with all of those repairs. I finally agreed to the sale when I finally agreed then he informed me that he could n't sell me the XXXX because they could n't financed me for a late model XXXX. Then he showed me the XXXX I purchased which is a XXXX but it did n't have leather seats but he informed me that they could put leather seat at the dealership. I agreed signed the contract XXXX.at night. When I drove the car I hope I felt uneasy because it appears smaller especially when my children got in. I have XXXX boys XXXX, XXXX, and XXXX. I also have a XXXX yr old daughter. I also researched the vehicle online and learned that I was taken advantage of because some of the features XXXX bragged about were standard in all the other XXXX. I called him the next morning and asked that he put me into something bigger. I also told him that it would be difficult for me to pay for a vehicle at XXXX a month that I could n't sit all of my XXXX kids in. He became belligerent with me and starting insulting me yelling at me by saying that I did n't know what I was talking about because his bank account was bigger than mine. I told him I did n't want him to work with me again and drove into the dealership and asked to speak with the sales manager XXXX XXXX XXXX. XXXX XXXX told me he could do nothing for me since I signed the contract. He then refers me to another salesman named XXXX XXXX. She tried convincing me that I had a great deal but I 'm still not comfortable due to the fact that I had a bigger vehicle. I asked him to show me other vehicles but he refused. I walked away disappointed and tried calling both the dealership and the XXXX XXXX XXXX XXXX XXXX. They re fuse to assist me.I also checked the dealership website today XXXX XXXX concerning the flyer and noticed that it was never advertised and I do n't think anyone won anything, I think it was a deceptive practice to lure unsuspecting victims like me in the store to inflate the price of a vechicle for bad credit pe

Company response to consumer: Closed with explanation