Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We got aware of our experience of predatory lending by Santander Bank years later after that was done and was uncovered after I lost my job and major repairs required to the house after several water rain, fload and broken water pipes damages. Based on the bank employee 's action for sending me invitations and welcoming me to apply for loan modification XXXX times, which obviously did not intend to approve and denied XXXX times without valid reasons. Seems, it was done to stretch time only and I missed the time frame to apply for FHA loan that I wasn't aware of on time. I was denied for missing the time frame after learning about that loan from the foreclosure case only. The attorney for Santander Bank demonstrated his ongoing malpractice within foreclosure case fabrications for service of notice for foreclosure prevention and procedure for FHA loan application and fabricated mail service notification for that in foreclosure case. The Bank employees who miscalculated my loan already disappeared from that bank. Santander Bank took advantage of me as I am not fluent in XXXX which is my second language and intentionally initiated the miscalculation of the monthly loan payments, never broke down a detailed stubs payments or detailed payments statement received and balance left on monthly basis. 

One sided foreclosure hearing was set up between the judge and an attorney for Santander XXXX XXXX, and us in the empty room. The biased judge disregarded our response that we prepared with my wife and had no questions for us at all like we were not existed. My wife was learning how to appeal but court clerks easily were making up the reason to turn our complaint-appeal away. We are XXXX XXXX over XXXX and over XXXX were offered no legal help. There is no free legal help for XXXX XXXX XXXX Attorney XXXX XXXX got whatever he wanted from the county court, including a daily charge of {$18.00} per day and our response against foreclosure and the amount of loan was totally ignored. Now, an additional daily charge of {$18.00} per day becomes a total of {$26000.00} and is included on top of an incorrect overcharged loan amount of {$130000.00} that total is enormously escalated to {$160000.00}. The original loan for XXXX years was in the amount of XXXX that was paid without interruption for XXXX years monthly approximately around {$1100.00} monthly. 

At the end of XXXX we began to get letters from debt collectors and calls that claimed that now we owned them. Santander Bank sold to them that escalated to the XXXX XXXX XXXX in question. We contacted Santander, but the attorney kept quiet. Now, in XXXX he filed for XXXX 's Sale with the same court where it started with the incorrect amount of {>= $1,000,000} and now this amount for a total {$160000.00}. 

In addition the Notice was filed on XX/XX/XXXX according to a stamp, but we got it at the beginning of the XXXX, My wife found it the mail box without portion of certified mail that was removed by mail man that did not attempt to get a signature from us. That again we could have a less time for our actions. 

Connections between the biased judge and attorney for Santander work well for them and we again were denied of legal free help by XXXX XXXX XXXX services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation