Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GU

Complaint narrative:
Payment Dispute Timeline & Documentation Key Payment Details Initial Large Payment Attempt : Amount : {$1400.00} Date Mailed : XX/XX/XXXX Delivery Confirmed : XX/XX/XXXX, XXXX AM ( XXXX, TX facility ) Tracking Number : XXXX Bank Status : Certified check confirmed by XXXX and cashed XX/XX/XXXX Returned Smaller Checks ( XXXX ) : Dates & Amounts : XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$1400.00} ( listed again due to rejection ) Total Returned : {$2600.00} Reason Given : " Certified funds required '' Response : All checks were certified by XXXX ; no deposits attempted. 

Checks Sent but Not Yet Reflected on Account : XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} Total : {$1100.00} Chronological Communication Timeline XX/XX/XXXX Email Sent by XXXX : Notice sent informing Chrysler Capital a check for {$1400.00} was mailed. 

XX/XX/XXXX Chrysler Capital Reply ( XXXX ) : No check received yet ; generic past due reminder included. 

XX/XX/XXXX Email from XXXX ( after check confirmed delivered and cashed ) : Requested confirmation and account update. 

Phone Calls : Called CC earlier that day; was told to get tracking number, then told it was useless. No direct line for XXXX, TX. 

XX/XX/XXXX Chrysler Capital Reply ( XXXX ) : We havent received the payment. It will take some time. 

XX/XX/XXXX Formal Dispute Email Sent by XXXX to XXXX : Outlined full issue, tracking details, certified payment status, and requested : Confirmation of receipt Immediate processing Reversal of late fees Credit impact prevention No reply received. 

XX/XX/XXXX Follow-Up Email Sent : Condensed version of XX/XX/XXXX email with urgency. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) : No payment received ; stated XX/XX/XXXX payment returned due to Non-Sufficient Funds. 
Note : This is inaccurate per NFCUcertified check with sufficient funds. 

Phone Call Log with Chrysler Capital XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( same day as XXXX call for tracking ) XX/XX/XXXX Notes : Conversations were consistently unhelpful. On at least one occasion, the representative was rude, dismissive, and gave conflicting information. Caller was told there is no way to contact the facility in XXXX, TX, even though that's where the check was delivered. 

XX/XX/XXXX Email from XXXX XXXX notice sent stating : Certified funds confirmed by XXXX. 

Credit is being negatively impacted. 

Request for three-way call with XXXX 

Warning of formal complaint filing. 

XXXX XXXX XXXX No response.

Summary of Issues XXXX XXXX has rejected certified checks without attempting deposit. 

Representatives provide inconsistent or contradictory information. 

No direct contact available for XXXX, TX location despite it being the recipient of the check. 

Several checks totaling {$2600.00} have been returned. 

Additional {$1100.00} is still floating with no update. 

Credit is at risk due to their internal processing delays.

Company response to consumer: Closed with non-monetary relief