Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my car was being towed from my driveway. I ran outside and asked what was going on ; the driver said he was repossessing the vehicle for me being 84 days past due in making my payments. I explained there was no way that was the case and proceeded to log into my santanderconsumerusa.com account. He did look at it with me and agreed there seemed to be payments made but said it was not up to him to decide and said " at least we didn't get it at your work like they wanted me to '' I then explained this has to be a mistake and that I will contact Santander Consumer when they open at XXXX XXXX. He asked if I wanted to get anything out of the vehicle and I said no, but I will get you my key so you don't have to kill the battery doing whatever you do. I then went online to my santanderconsumerusa.com account to review what was going on. My account shows amount due on XX/XX/XXXX is {$1100.00}, with a breakdown of : Past Due : XX/XX/XXXX : {$530.00} XX/XX/XXXX : {$530.00} XX/XX/XXXX {$65.00} XXXX then proceeded to check my Transaction History to see how I somehow missed 2 months+ of payments. On XX/XX/XXXX I paid {$3700.00} to cover passed due balance for XXXX, XXXX and XXXX as well as XXXX of XXXX as my bill is due the XXXX every month ( at that time I was late due to losing my job and missed payments for XXXX, XXXX and XXXX ) {$530.00} x 5 months = {$2600.00} plus {$570.00} in Interest as well as {$530.00} in Miscellaneous fees. 
My remaining balance as of XX/XX/XXXX was {$8600.00}. 

From my understanding I was caught up plus I had payed XXXX and XXXX. for a total of 5 months at {$530.00} x XXXX Payments and would need to make payments for XXXX of XXXX and so on until my remaining balance was paid in full. 

Payments received and posted on santanderconsumerusa.com are as follows : XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$600.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$500.00} XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX ( 4 months ) = {$2000.00} Amount that was due was {$530.00} x XXXX = {$2100.00} I see that I would have still owed {$65.00}. 
I called Santander Consumer to explain what I am describing here and the agent said no you owe {$1100.00}. I said I don't see where or how this is the case so I asked them to look over the transaction history with me to clarify. They said see you only paid {$140.00} on XX/XX/XXXX these add up. I said I am aware of that and I said for XXXX through XXXX I should owe XXXX payments of {$530.00} for each month and that total would be {$2100.00} and I have paid {$2000.00} so I do owe a bit but not for over 2 month ; at this point the call cut off. I don't know what happened but I had to call back and ended up speaking with a different associate. I described as previously mentioned and they said you never paid XXXX or XXXX of XXXX asked how was that possible and if so why had no one contacted me? She said see your first payment after XXXX was on XX/XX/XXXX I agreed and tried to ask her to go over all my statements but she insisted I owed for XXXX and XXXX as they were never paid and at this point I decided there was no point in arguing and would need to seek legal council and asked so how much do I need to pay so I can clear ANY over due balance and pick up my car. I was then told I have to pay {$7100.00} within 25 days or my car would be auctioned off. I did explode a bit at this point as I couldn't believe what they were doing I said " one last fee added huh '' as my balance is currently only {$6500.00} and that is only principal remaining as they have you pay all the Interest fees first before you ever pay towards the principal.

That is my full interaction. I am sincerely hoping someone can help me as I'm worried I will not be able to get {$7100.00} to pay within 20 days. Thank you for your time and for looking into this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation