Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I obtained a loan through XXXX to purchase a vehicle. Approximately one year into the loan my account was transferred to Santander Consumer. Once Santander obtained my loan, they modified how my payments were being allocated and as a result my loan has been extended and my pay off amount never seems to change despite my payments. I asked for Santander to send me a breakdown of how my payments were being allocated. They refused. They began harassing me at work despite the fact I asked them to never call my job. I reported the harassment to the XXXX and that prompted Santander to stop sending me any statements at all. Each time I called they transferred me to the bankruptcy department, the office of the president, the charge off department, to XXXX, every where but to someone who could help me. I was told that they can only communicate with my attorney to which I told them numerous times I did not have. They keep repossessing my vehicle as a means to pad my account with charges since I have been questioning how I could possibly owe half of the loan six years into owning the vehicle and paying on it. Each time I call I get different information all amounting to nothing. They have ruined the credit I have been trying to rebuild. Santander is not operating with good business practice by no means. I now too many people having the same issue with how Santander applies payments. They have now repossessed my vehicle for the fourth time in a year. I am seeking some relief and plan on suing them in court. Santander claims that I asked for a cease and desist which I NEVER did at any point. I asked them to obey the law and not cal l my place of employment. Words can not express the level of frustration, embarrassment, and harassment that this company has put me through with their unscrupulous business practices. It is as though this bank is operating under it 's own guidelines without much respect for anything legal. This bank is failing, and they plan on staying afloat by manipulating the poor those of us trying to rebuild such as myself. Who is policing this bank? Is the government going to allow the same thing that happened at XXXX XXXX to go on indefinitely at Santander. At one point when I asked the representative to stop calling my job she kept asking me to give her the number that I do n't wish to be contacted. I refused to repeat that number because they digitally record the phone conversations then manipulate the recording to make it sound as though I am giving the phone number as a contact point. When I said to her, these are the only two numbers at which I can be contacted, then gave her my home and cell numbers, she called me dense for not wanting to repeat the number where I did not want them calling. These are the underhanded tactics they employ at Santander. They also do business with other unscrupulous businesses. The second time the took my vehicle, the repo company damaged and stole my XXXX from my vehicle. Santander has stuck me with the bill of repairing my vehicle. I hope someone here can assist me or at least point me in the direction of where I can get some relief from these thieves.

Company response to consumer: Closed with explanation