Business Profile

Consumer Finance Companies

Santander Consumer USA, Inc.

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Complaints

This profile includes complaints for Santander Consumer USA, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,026 total complaints in the last 3 years.
751 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/15/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection (8)(D). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the Chrysler Capital Account #*****************. This is regarding the late payments your furnishing to my report for March 2022, June-July 2022, October-February of 2023. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing... that such furnishing of information was going to take place. We all know you didn't do that because it took you several months to provide my a copy of my contract. This notification is required under the ***** section 623, subsection (7)(A). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification (i.e. a copy of the actual notification sent), and proof that it was delivered to me in a timely manner (i.e. a dated certified mail delivery confirmation with my signature). If you cannot provide proof of notification and date of receipt, then you cannot substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account *** constitute the furnishing of false information with malice or willful intent to injure me. To correct this error I suggest you modify the account to PAID ON TIME AS AGREED, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.
Business Response
Date: 03/28/2023
Dear ***** ********:
We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.
Chrysler Capital
Customer Answer
Date: 03/28/2023
I am rejecting this response because: Your incorrect per FCRA regulations you are required to provide those notices in writing per the following: (7)Negative information
(A)Notice to consumer required
(i)In general
If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a(p) of this title furnishes negative information to such an agency regarding credit extended to acustomer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to thecustomer.
(ii)Notice effective for subsequent submissions
After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a(p) of this title with respect to the same transaction, extension ofcredit, account, or customer without providing additional notice to the customer.
(B)Time of notice
(i)In general
The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a(p) of this title.

if you cannot provide me with the requested information that shows you abused by these laws either update the account to paid as agreed or you leave me no choice but to move forward with legal counsel.
Business Response
Date: 04/27/2023
Dear ********************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

Chrysler Capital
Customer Answer
Date: 05/26/2023
I am rejecting this response because: The **** DOES require that notice and your position doesnt satisfy why you didnt follow ******** repossession laws are how you all will be satisfying the towing company totaling the vehicle. You used a towing company that had a current lapse in their insurance company. If this is your final position please provide me with the appropriate address to receive notification at for legal summons. Thank you.
Business Response
Date: 05/29/2023
Dear ***** ********:
We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.
Chrysler Capital
Business Response
Date: 05/30/2023
Dear ***** ********:

We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.

Chrysler Capital
Initial Complaint
Date:03/15/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In 2021, I visited CarPros of Tacoma sales persons talked me into purchasing a car I was told the interest rate was one price and once I received my payments book my payments they applied an interest rate of 18% driving the payment to a much higher payment than what I could afford, as I had already informed I was only working part-time and had just recently got the job, I was assured the payment would be something I could afford. After receiving the payment I tried to make payment, but was getting behind in others, as I'm currently paying to go back to school also. I did a voluntary repossession of the car. My car payment was up to date when the car was returned. They have sold the car and Santander Consumer USA s still requesting $10,885.55 for a car I don't have. I returned it because I couldn't afford to pay double for a car. What makes it ok for the harassment I receive daily on a car they have sold for twice the price again? Why is it legal for a salesperson to take advantage of a person? They knew from my income I could not afford the double price tag on that car and now some debt collector wants payment for something that's been sold at a higher price and it's not worth it. These daily calls are causing me stress, making me ill, do I really have to choose between eating, paying my rent, and trying to better my conditions to pay for something I don't have? Why? The creditor that took the loan also had all the info that show this was not a good deal, I sign with one term and they sent another once all was signed. Is this a game they play to ****** money from the poor of this economy? I did my best to complete the terms, and I didn't wait until I was behind, I returned it in great shape and it was still sold at a price where the company made money off me and the next customer. Section 75 of the ********************** Credit Act **** (CCA) sets out the liability of a creditor for contract breaches or misrepresentation by a supplier, the pricing was double what it was worth.
Business Response
Date: 03/27/2023
*************************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC.
Initial Complaint
Date:03/14/2023
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
A telephone supervisor, *****, basically called me and my family member liars. I tried to change an outdated phone number and got treated with complete disrespect by *****. The bank has our current phone numbers. She said she didn't believe us. I have never been treated so rudely by a telephone supervisor. She refused to update the phone number. I can't wait to take my money OUT of this terrible bank.
Business Response
Date: 03/16/2023
Dear ****************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC.

See Attachment/File: ******.****.Response.03162023.Final.pdf
Customer Answer
Date: 03/20/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
I have had the account approximately over 20 years - the account was opened with a different bank and then became ************** which then became Santander bank. Acting like they don't have any records is just another reason I will NOT do business with this bank. The bank did not address their employee was obnoxious and rude. The rude supervisor said she had no supervisor over her so she refused to let me talk to her boss. Terrible bank.
Business Response
Date: 03/28/2023
Dear ****************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC.
Initial Complaint
Date:03/08/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In 2019 I bought a 2017 Nissan Sentra and my loan is through SanTander Consumer USA. I have always had issues with them but i thought it was like normal stuff. In 2022 I was forced out of my home that i rented and I used my entire savings and plus some to move and rent a new place. I called and told them i wouldn't be able to make my next months payment. They said it was fine and they would put it on the back of my loan. Then I went back to regular payments...i kept forgetting to do it on the due date so i signed up for auto pay in August of 2022. I received a call on Tuesday March 7th 2023, saying that my car has not been paid in 11 months...and an email stating it hasn't been paid in 373 days. Which is not 11 months. If i ask them when my last payment was they refuse to answer my question but if i look online it says August of 2022 so since i signed up for auto pay. I know i should have kept track better but i didn't...so i called and offered to fix it and tried to see what options i had. They told me that I could either pay 5k plus and then continue regular payments OR i could settle and buy the car for 8800...But at first they told me i would need to pay 13k to pay car off and I told them the first call i received they said 8700 was the settlement amount. Then they told me well 10k is the amount and then i said something along the lines of just coming to get the car and i can just take them to court or whatever and then they said 8800 was the lowestthey can do. I feel like i am being scammed and i just want out of this debt. I don't want to give them any money if i can help it cause who knows if they will actually do what they say. Plus I can't get another loan cause they have been reporting non payment since December 2021 and a charge off since June 2022. I have paid all those months and I really just want this debt off of my credit and me. I do want to keep my car as i do not have another. Can this debt be forgiven or something somehow. My deadline is 3/21/23.
Customer Answer
Date: 03/16/2023
Hello my name is ***** ****** *** and i filed a complaint and the ID is ********. I received and email that it was closed due to me not being specific on what i wanted. I add details online but i was not sure i did it correctly. So i am emailing it as well just in case.

I would like my credit to be repaired from all late fees,charge off or repossession with this company. I would also like to buy the car with a settlement of 30% of whats owed.
Business Response
Date: 03/28/2023
Dear ***** ****** ***:
We appreciate the opportunity to address your
concerns. Please see our attached response with our complete review and
resolution to your request.

Thank you.
Santander Consumer USA Inc.
Initial Complaint
Date:03/07/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
November 19,2022. my 2014 Kia Sorento was totaled. I had full coverage insurance, I also had gap insurance. After both insurances paid off the balance that was owe. I had a refund of 1,092.50. That should have been paid to me. I contacted the company in December. I was told I had to wait thirty days for them to process my claim. I called back at the end of January and was told, I should receive my refund by the 8th of February, after that date came and went , I called yet again. And was told for sure I should receive my refund by March 6, when it didn't come in the mail. I called I spoke with Ms. Anise, ID ****** She stated I had not received my refund, because as of yet nobody had put in the request for me to receive my refund. She told me she would do so in March the 6 . But at this point I'm no longer trusting what anyone from the company has to say. I also asked her to speak to a manager. She told me there wasn't a manager, I could speak to which didn't make any sense. Everyone has a boss, unless you own your own business. It has been almost three months and I'm still waiting. I sincerely hope you can help me to retrieve my refund.
Sincerely, ******** Jenkins.
Business Response
Date: 03/22/2023
Business Response /* (1000, 5, 2023/03/17) */
Dear Pearline Jenkins:
We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.

Consumer Response /* (2000, 7, 2023/03/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have received my refund. Thank you.
Initial Complaint
Date:03/02/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Santander Consumer USA is maliciously saying I am still laying on a loan when the vehicle was traded in in November of last year and they have reported me late paying when the dealer had already paid off this loan. They e reported this in all consumer reports and now I've obtained an attorney and will be suing them for $15k a day they have listed about these payments and saying I still have the loan. It's a **** lie. I have the paperwork to prove it. They will not get away with criminal fraud! It's extortion saying I owe them money when I do not!
Business Response
Date: 03/15/2023
Dear **********************:
Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC.
See Attachment/File: *********.*****.Response.03152023.Final.pdf
Customer Answer
Date: 03/16/2023
I'm not satisfied. They didn't bother fixing their errors until it was questioned and already affected my credit. That in itself is malicious and will be proven in court as malicious. 4 months after the fact is malicious.
Business Response
Date: 03/20/2023
Dear **********************:
We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.
See Attachment/File: ************************.Response.03202023.Final.pdf
Customer Answer
Date: 03/21/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
The court will decide and I will not participate in any form of arbitration. A jury will decide what is malicious and your records are not correct. You added late payments as a retaliation effort and it will be proven in court. Knowing what you would do after it was pointed out you were fraudulently reporting late payments for a time frame after the the loan was paid in full is fraud and extortion. You were reporting that I made late payments after December of 2023 after the loan was paid in November of 2022 by self admission. The jury will see what you've done and how you prey on sun prime loans and people. Your record speaks for itself. It's going to cost you way more for bad decisions than just doing the right thing. I have a copy of my credit report from that time frame which will prove and show your records changed after I made my inquiry and threatened you with suit. You will fail. After this response my attorneys will be taking over all communication and they have been instructed to refrain from any and all attempts to settle. This will go to court and a jury will decide what will happen. After that point an injunction will be filled and a president will be set against sun prime lenders and their abusive tactics. I even recorded all of my phone calls with your representatives. Which you don't like. When we record you!
Initial Complaint
Date:03/01/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On the date of November 28, 2020 I purchased a vehicle priced at $35,862.18. The account# is ********. 2019 Dodge, Durango. I made monthly payments of $744/monthly, over a course of 15 months. Not until myself and fiancee became the victims of crime did I get behind on payments; consequently, I missed much work; which is the reason I got behind on payments. I had spoken with several reps for Chrysler Capital...and explained the before-mentioned; and was given a "partial payment" plan. However, another rep, undermined this agreement and advised me that 'there will be no more partial payments,' in that they would need the full payment to avoid repossession. Two weeks prior to the repo, I held a recorded conversation with a rep, during which time we reached an agreement for an extension. During this conversation I explained to this rep, that despite being behind on payments, I could possibly bring the account up, and current, once I receive my federal income tax; or once I am possibly reimbursed for lost wages from the ************************** CalVCB. It was my understanding that an extension was granted. Nonetheless, two weeks later my vehicle was repo'd. I attempted to rectify the issue with a *******************************, Chief Executive Officer at Chrysler Capital. **********************, advised me to send a detailed packet of the circumstances which warrant an extension. Around or about June 2022, I sent a packet to an email given to me by **********************. The packet contained a "detailed" explanation (along with police reports). I waited for approximately two weeks before getting a response from **********************. In brief, she stated that there will be no rescinding the decision per Chrysler Capital. The car was repo'd back in May 2022. Around September 2022, I received a letter from Chrysler Capital stating that the car had been sold during a private auction. However, around December 2022, I spoke with a rep, for DMV, whom told me the car was still registered in my name.
Customer Answer
Date: 03/06/2023
Thank you for taking the time to review my complaint. Due to the nature, complexity (as well as the fact that the issue is "time-sensitive"), Plaintiff(s) do not have the allotted time of thirty (30) days, to wait for a response.
Due to a slow response from the before-mentioned, authority figures, time-constraints are of issue in this case. We therefore look forward to a more timely response...taking in consideration the time and expenses the court may incur should we not be able to reach arbitrate. Should you have any questions, feel free to contact me.
Business Response
Date: 03/14/2023
*************************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

Chrysler Capital
See Attachment/File: ******************.Response.03142023.Final.pdf
Customer Answer
Date: 03/17/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
For starters, the business did not address the "recorded call," whereby the consumer has stated that during this particular call an extension was given. The business has further misrepresented that "no additional information was provided regarding vandalism." Again, the consumer provided accurate information regarding vandalism including two (2) separate police reports; as well as a detailed explanation of what led to the vandalism. Per the before-mentioned, ***********************************, this detailed packet was sent to the Business in *****. The consumer also does not dispute that he got behind on payments; he only reiterated to the before-mentioned representative "why" he had got behind; he also recall telling "reps" for Chrysler Capital that the vehicle was vandalized; in that repo violates due process because the investigation had not been conducted. The consumer is in possession of the complete document that was forwarded to the Business. Because the business has produced fraudalent information- any other information pertaining to this report should be deemed fraudalent... Should the consumer take this issue to court...he is prepared to show that there is a direct correlation between the times said crimes were committed and the times we got behind on payments.
Business Response
Date: 03/27/2023
Dear **************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,
Chrysler Capital

Customer Answer
Date: 05/01/2023
I am rejecting this response because: The business still have yet to address the issue with the "recorded call," referred to, on multiple occasions, whereby an extension of time to make another payment was given. Throughout this correspondence I have made mentioned to the recorded call. Furthermore, the business have committed 'perjury,' by stating, in their response, that we did not send additional information with regard to the before-mentioned "vandalism." However, around or about June 6, 2022, a ***********************************, the Chief Executive Officer @ Chrysler Capital, forwarded me her email so that I may send additional information...pertaining to vandalism. **********************, also advised me to send additional information to Santander Consumer USA., in ******, **. The additional information contained a police report, a copy of our application to the ************************* (VCBLA) -- which confirms that we had in fact sought reimbursement for loss fees via VCBLA, but that we had yet to receive reimbursement...The packet also contained tax information to show that I was presently awaiting my tax return and could then make a payment. Nonetheless, the business have presented in their response...that they did not receive information pertaining to vandalism. In addition, the before-mentioned ******************************* stated during a recorded call that she did see pictures of "scratches" on the left side of the vehicle. This ends my report.

Business Response
Date: 05/09/2023
Dear **************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

Chrysler Capital

Customer Answer
Date: 05/11/2023
I am rejecting this response because: The business first states that they did not receive any additional information with respect to the alleged vandalism. However, after I responded and told them that they had committed perjury, by stipulating, in their BBB response, that they did not receive any additional information pertaining to vandalism. I also stated, in my response, and in my communication with *******************************, Executive Officer, that the car had been vandalized, in that repo violates due process because the investigation had not been complete. I also provided my application with the ************************* (VCBLA), to show that I was seeking to be reimbursed for loss wages from work. Under the statute, CRIME VICTIMS are not suppose to lose property or wages. Finally, the business makes reference to a recorded call, on May 17, 2022. However, I am not certain if that is the same call I referred to in my previous responses. It would have made more sense to state the name of individual...In this way, if I can not recall the name...it would therefore be possible that the call mentioned, is not the call I referred to.
Initial Complaint
Date:02/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
First, I made Payoff of my car on 10/21/2022,I have my letter where they say about my pay off,but they never made the report to any bureau,I call many times no answer ?also I paid for this car like 3 times they sharge to hight the interest,my car is a C CLASS 300 2008,they ask me to wait 2 months almost 4 months, on dificult time pandemic was no help fortunately we find the way to pay
Business Response
Date: 03/13/2023
Dear *****************************:
We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.
See Attachment/File: **********.****.Response.03132023.Final.pdf
Customer Answer
Date: 03/17/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
I know you are a great company so I hope to find the way which you ,this bank Santander break the rules also I'm waiting for my report to group my CREDIT FROM NOVEMBER very disappointed which this company bank Santander also biocide a paid this car almost 3 times thsnks
Business Response
Date: 03/27/2023
*****************************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC./
Business Response
Date: 03/27/2023
*****************************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, ***
Initial Complaint
Date:02/20/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Santander Consumer USA has a lien in place against my vehicle. A 2010 ****** Prius VID *****************. I have documentation, a Title from the ******************* (document ID ************ that signed by Santander Consumer USA that, on the title document, it states "Signature releases interest in the vehicle." However, there is still an electronic lien against this vehicle. Santander Consumer USA claims that because I am an unknown 3rd party to them, they cannot release any information or assist me in the any way. The reason why I am a 3rd party is because this vehicle was sold via auction to a car dealer that is no longer in business. However, I am now in possession of this vehicle (and have a clear title to this vehicle, document ID ************ and Santander refuses to send me a Vehicle Lien Release (even though I have the aforementioned title document of their signed lien release for this vehicle) because I am not a named party on that document. They claim they released the lien to "ADESA Auto Auctions" or "KM Classics" who is the mentioned party on the ********** Title. However, the lien release is against the vehicle, and not the mentioned parties on the ********** Title. Neither Adesa Auto Auctions or KM Classics will help me in this matter-- however, the lien originates and can be resolved by Santander Consumer USA, not Adesa nor KM. They are not involved and should not be required to be involved because the ********** Title states the lien and associated lien release is against the vehicle and not any specific party.
Business Response
Date: 03/07/2023
*************:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC.
See Attachment/File: Yu. *********Response.03072023.Final.pdf
Customer Answer
Date: 03/17/2023
***Document ************************************** reviewed the vehicle registration through the ********************* of ***************** and confirmed we do not have a lien on the title for the above- referenced vehicle."

Unfortunately, there is an electronic service locator that CarMAX and several other agencies use that indicate Santander does have an electronic lien on this vehicle. How (and why) else have I been able to identify this vehicle to have had a Santander lien. If you, in fact, do not have a lien on this vehicle-- then please supply me with either a current release of lien document (releasing any lien that Santander has on the vehicle) and/or the original release of lien document that released the lien on the vehicle when Santander released the lien as documented by the ********** Title I have already submitted to you. If you do not have a lien, then a release of lien document will not obligate Santander. However, if there is an electronic lien against this vehicle (as being reported by several dealers that I have worked with) then this release of lien will clearly state to those current dealers and myself that Santander does not have a lien on the vehicle as you state.

"We would refer you back to the dealership you purchased the vehicle from regarding the issues with your title. The dealership you purchased the vehicle from can work directly with the auction they purchased the vehicle from to rectify the situation."

I have spoken with the dealership owner (they are now no longer in business) and the auction house. Neither will assist in this matter and cannot rectify the situation. As stated previously, they are not identified on the electronic lien and they have no ability to release the lien. Additionally, I have spoken to legal counsel and they agree with my position. According to privity of contract, I have firm legal standing to demand that Santander resolve this matter. And that no other party is required to be involved or make the request in my place. I have had Santander title department ask that I ask the dealership or auction house to request the lien release. This is incorrect due to privity of contract. In this instance, if Santander requires that the original dealer or auction house request the release of lien. I can make that request in their place and that request must be honored.

"We respectfully request documentation showing your proof of the purchase of the
vehicle from the dealership who purchased it from the auction. Once this documentation has been
received, we can then generate a Release of Lien as requested. "

This is a restatement of what I just stated above. In fact, this statement clearly indicates Santander's ability to 'generate' a Release of Lien. Therefore, due to the legal principals of privity of contract, please accept my request in place of the dealership and provide me with a Release of ****, as stated. No other documentation is required due to my legal standing with privity. Asking me to provide documentation that I would not have or ask another party to make the request is just a way to prolong this request and does not serve any legal or business purpose as explained above due to privity.

I am providing my original bill of sale from my dealership (which I have already provided to Santander.). They will respond with the fact that this is not the original bill of sale from the previous dealership. Again, this is just their way of delaying and demonstrates their execution of business in bad faith. Asking for documents that serve no legal or business purpose as a means to deny the Release of Lien they admit they are able to provide and should legally provide.
See Attachment/File: carl_bill_sale.pdf
Business Response
Date: 03/29/2023
Dear ********:

Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Sincerely,

SANTANDER CONSUMER USA, INC.
Initial Complaint
Date:02/15/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I paid a large amount to be applied to the car credit.
They giving me a lot of excuses to charged me more interest .
The debt is less and they keep charging me the same amount m interest as before the lump payment.
I feel they are doing We my debt wherever they want,
Business Response
Date: 03/01/2023
Dear Luis ********:

We appreciate the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request.

Thank you.
See Attachment/File: ********.Luis.Response.********.Final.pdf
Customer Answer
Date: 03/02/2023
(The consumer indicated he/she DID NOT accept the response from the business.)

I have the hard feeling the are doing anything they please with this situation.

If i paid a some money, supposed to be applied to the interest remaining, they are NOT DOING SO.

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Santander Consumer USA, Inc. is NOT a BBB Accredited Business.