Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The auto finance company has filed Civil Court documents against buyer and co-buyer after the company received Complaint 's about code of ethics, and compliance issues. Relating to customers especially directly effecting said account, the complaint have Harassment, discriminatory behavior, fraud, Trickery, etc. Over a " supposed closed account '' This is over the years ; continued to current, In that time payments continued, programs continued on the account. Office Of The President was worked with, Vice President, Assistant Vice President. Individuals have used persuasion through use power and Title positions with direct statements attempt to drop complaints. They prematurely Place the account for closed on XXXX Credit bureau in XX/XX/XXXX-XX/XX/XXXX, The Account was opened XXXX XXXX and Without reason Notification the Account was with a balance of XXXX closed via XXXX XXXX XXXX status CLOSED DEROGATORY CHARGE OFF AS BAD DEBT, Open XX/XX/XXXX- XX/XX/XXXX.This was not seen on XXXX until XXXX XXXX when major problems arise. The vehicle remained in possession of loan with payments entire time until date. Year XXXX Payment programs and arrangements were on the account, special programs where on the account lowers interest etc. many ethical complaint Santander would not accept mail in payments on the loan because they would not identify the loan or assign an alternative to not charge XXXXfee this created the account to cost more than others as the account payments are processed through automatic system. After months of attempting to resolve an Account manager was assigned to process payments, this was successful until the manager failed to follow up in the account as specified by the manager he was to be the contact even after several calls to him and his co-workers it appeared Santander has a plan. Then in XXXX XXXX attempted to illegally repossess, they did not follow proper attempts to send agents per contracted program that was in effect for the vehicle attempt there was much safety issues created which the company was either intentionally directly or indirectly involved which cause was poor intended incidents harm situation during the process. The company assured an account investigation, among other investigations, which nothing happens. They actually took the credit reporting from one source of reporting and moved to another XXXX XXXX, and move to XXXX and closed that account still addressing no ethics concert this included Investors, CEO, CFO, Presidents. Instead the company retaliated with a Civil Division when no notification was ever given and no statements on the account have been received since they stated not to on XXXX XXXX, XXXX. The civil paperwork is dated XXXX XXXX, exactly 1 month and 18 days after moving the credit reporting around. And no contact whatsoever after they were working on settlement until they were aware that they fraud credit reporting. As well they also at that time where full aware of incidents of poor and harmful incidents.

Company response to consumer: Closed with explanation