Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX  I sent Santander consumer a tender of payment to their company for a credit on my account in the amount of XXXX, the company received my lawful payment on XX/XX/XXXX but never accredited my account. I called and they claimed they never received my information in the mail, so I waited a couple of days to call and they still said they never received it, I tried asking to speak to the legal department to no avail, they just hung up on me. I do have the certified mail copy of it reaching them and them still denying having received it. I finally spoke with them after getting no response for almost a month on XXXX  the XXXX of XXXX with them claiming that my car was going to be repossessed. Now up until that time I had not received anything from them in the mail saying they were denying any of the payments and they never sent me any paperwork about them repossessing my car in the mail either. So, I gave them a call to ask why my payment couldn't be processed but he couldn't give me a reason. I was on the phone with him for a while but his phone kept breaking up and ultimately hung up on me as I had gotten a lot of this from Santander. In all honesty I believe they knew the protocol was to send it to where they were directed to send it to, they just did not, and I find that to be in dishonor, because I did advise them to send this to who it was supposed to go to. In no case did I not want to pay them I just wanted to pay them the lawful way. I ended up calling back on XX/XX/XXXX and getting in contact with a supervisor after speaking to the rep because he did not have all the answers and she was very aggressive on the phone, and it was to get me off the phone by saying our computers don't process these types of payments. She asked where my car was, and I told her I did not have it because it was getting worked on which is true. I finally got it back that night and it was gone the next morning. The biggest problem that I'm having is I didn't receive a letter about them denying my payment until later, on the XXXX, dated later then the timeframe they were given to accept and accredit my account which I stated on the instructions which was XXXX days. Which they did not respond until the XXXX of XXXX regular mail. I find Santander to be very negligent in their affairs and very dishonorable about this situation. I have sent correspondence to their head of securitizations because these are my securities they are dealing with, and this is heading toward securities fraud as they are not properly acting in their fiduciary capacity over my securities. Also, the company did not send me my tendered payment with their response, so this means they accepted it kept it and never applied it which automatically is supposed to be discharged the obligation as pursuant to the uniform commercial code 3-604 which they destroyed, lost or stole my tendered payment. also, they never responded with a denial in the timeframe they were allotted which violates the fair trade commissions act for unfair and deceptive practices section 5 by delaying payment processing, and the uniform commercial code as it was unreasonably delayed in check processing. I have also sent another opportunity to cure as of XX/XX/XXXX and no response even though they did receive it on the XXXX and this is the XXXX of XXXX they are blatantly being negligent to their obligation.

Company response to consumer: Closed with explanation