Consumer complaint received 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2019 I mailed a cashier 's check. # XXXX for {$19000.00} to XXXX XXXX, overnighted by XXXX. I received a call from a XXXX XXXX representative on XX/XX/XXXX stating they received the cashier 's check ; however, I had an additional {$550.00} in property taxes that needed to be paid ( which was totally unexpected ) but I paid online through my Michigan XXXX XXXX XXXX bank account the same day. Now after this payment they said that I would have to wait up to 15 days to receive my title in the mail. Well that date would've been XX/XX/XXXX. Yesterday I received a call from XXXX XXXX and the representative asked had I decided what I wanted to do about the vehicle? Did I want to turn in the lease or did I want to purchase vehicle? Needless to say, I was flabbergasted. I told her I had already purchased the vehicle. Then asked her does she not see the funds on my account? She indicated seeing the {$550.00} for property taxes posted but she did not see the cashier 's check payment of {$19000.00} posted to my account. So after going back and forth with her I hung up and called my bank. Michigan XXXX sent me over a document proving that the cashier 's check had been reconciled as of XX/XX/XXXX. So I called back, spoke to a finance supervisor and told her that I have been given a copy of the endorsed check by my bank noting it was cashed XX/XX/XXXX. She said that I should fax it over and they'll try to find the monies. I did that. Well then they said they had posted it to the wrong account and now they're going to correct the matter. But since payment is going to post after XX/XX/XXXX now I have an additional {$21.00} to pay.? XXXX $! Grudgently, I went online to pay that. Today, XX/XX/XXXX they're saying it still hasn't posted to the account. Once payment posts to the account then 5 to 7 business days after they can close the account. Once account has been closed then wait up to 15 days to receive my title in the mail. Nothing else I could do about it but wait. I have a problem that wait. I have a problem with the fact that I had to pay the extra {$21.00}. I have a problem with the unexpected required payment of {$550.00} in property taxes. I have a problem with them mishandling my {$19000.00}. I only have one account so how was it even applied to another account if not one of mine. The finance supervisor insisted no way to get immediate assistance and there's no one I can talk to in the accounting department. Which is the dept that is now going to finalize my account but won't handle it expediently. So this is my complaint and it's outrageous, unprofessional and unacceptable. What can I do about this? I need to have my issue resolved. Someone should be able to help. Pay, wait, pay, wait, pay, wait and wait some more is not working for me. I have other business pending that I can't move forward with until I get the lien release from XXXX XXXX. Please help me!!!

Company response to consumer: Closed with explanation