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tanachi e

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I am a victim of predatory lending

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Santander Consumer Usa - I am a victim of predatory lending
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I purchased a 2013 Nissan Altima in 2017. The cost of the car was $16, 251.

The APR was 27.67%. The finance charge was $17,596.92.

The total cost for this 2013 Nissan Altima was $33,883.09

I paid on this car for 5 years, with payments totaling $20,538.00 at $470.00 a month and only $518.00 went to the principal.

Its been a struggle to pay this car off. Once I learned about the Predatory Lending lawsuit in 2022. I contacted Santandar because I believed I was a victim of there scandal.

They told me I didnt qualify, but never explained why. When all the facts are relevant.

I wrote a complaint to Santandar, CFPB and the Attorney General in California where I lived and I was told the case has been closed.

Santandar charged off the loan with a balance of $17,689.00 as of October of 2022.

I reached out to a few lawyers who never contacted me to get a deficiency waiver, and the title to the car, which was one of the settlement agreements and received no luck.

As of this week, Santandar repossessed my vehicle.

I have paid more than the cost of the vehicle.

I am a victim of there scandal. I need help on how to get my car back with the title or be compensated

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Loss:
$20
Cons:
  • Predatory lender poor customer service

Preferred solution: Price reduction

User's recommendation: Do your homework before purchasing a auto loan

5 comments
Guest

Funny, Funny, Funny and you haven't the slightest clue of what you're talking about! All car loans are on an amortization schedule where interest is paid first!

Secondly, if you don't like high APR then YOU should have been paying your bills ON time so that you would QUALIFY for low APR bank financing.

Both of these matters are as obvious as the rising sun. Why not write back and entertain us some more with your comedy!

Guest
reply icon Replying to comment of Guest-2492270

Let me address this clown that’s entertaining my comedy. First of all, I am fully aware of amortization, I just don’t think it was fair to charge $17K to finance 16k, But I took what I could at the time.

I have bought and paid for quite a few cars that were financed.. Secondly, no matter what situation I was in at that time is irrelevant to you and your opinion. The facts that Santander abused consumers rights and therefore was sued for $550 million for predatory lending, and is currently being sued for other reasons as well demonstrates that your opinion is worthless, and it was obvious that Santander was unethical. Thirdly I was paying my bills that’s why they got $20k in payments.

I wasn’t aware of the lawsuit at the time after paying over $20k and the settlement was already closed, So it was too late for me to be included cause at the time I was current. Once I found out about the lawsuit, I definitely wasn’t about to continue to pay another $17K for a 2013 Nissan Altima.

Since I made my complaint, on several platforms, Legal representation has reached out to me. So you can continue laughing at this comedy and do your research on Santander’s unethical tactics, then you can shut TF up.

Guest
reply icon Replying to comment of Guest-2493711

If it's so, so unfair then YOU shouldn't have GIVEN YOURSELF a garbage credit history by YOU not paying YOUR bills on time!

Guest

You loan was interest first. No lawyer will take your case, because you do not have one.

You agreed to the interest rate and loan terms. It was so high because of your *** credit.

Guest
reply icon Replying to comment of Guest-2485590

One thing you are right about is $518.00 went to interest, but where you are wrong is Lawyers did take the case for several consumers. Santandar was sued for predatory lending and had to pay $550 million and also had to give defiency waivers to consumers who had past due balances.

I wasn’t included because I was current on my payments. Once I found out about the lawsuit after paying over $20k and I still owed a balance of $17k for a 2013 Nissan Altima. That’s where they had me *** Up.

Secondly, those same people who signed the “CONTRACT” knowingly did not change the fact Santandar violated consumer right, and that’s why they had to pay out $550 million and still have to pay out on another lawsuit for being unethical. So your facts is irrelevant and uneducated to comment on my post Do your research before commenting on something you think you know something about.

View more comments (4)
Lana-Jean S

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Verified Reviewer

How do I send an email? Im trying to have a...

How do I send an email? Im trying to have a towing company get in contact with Santander. But every time Santander tells me they haven’t recieved any notices or messages. I want to combine a message/email to have them contact each other easily while I'm also in the grouped email. The towing company is going to be taking over my loan yet it hasn't happened for a month now. My credit score is going down even when I don't have my car anymore. I'm very upset.
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Anonymous
map-marker Indianapolis, Indiana

I have called 37 times trying to get a correct release of lien .

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They sent me a release of lien that was filled out incorrectly nobody there could find it in their system even after we paid on it for five years. It took 37 phone calls to find someone finally found my information that was a week ago and I still do not have my corrected release of lien when I was told it would process in 24 hours
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User's recommendation: Use a different lender if at all possible

Anonymous
map-marker Hammond, Louisiana

I will never deal with this company again. Always telling me I owe when I don't.. All your money goes toward principle even when u try n double your payments rip off..

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Been paying double notes o try n pay off early but not getting anywhere because they taking your money for principles not fair .
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User's recommendation: Will not

john a Dtj

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Verified Reviewer
| map-marker North Richland Hills, Texas

They cannot give a good working fax number or email address to get a lien release

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5 phone calls. Tried using the fax number they gave me and it does not go through. Tried the email they gave me to send a boat load of documents proving my truck was paid off and the email does not work. Ended up sending it certified mail and still nothing. I just want the release to my truck!run away
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Cons:
  • Make it difficult to send a lien release on a paid off truck

Preferred solution: Deliver product or service ordered

User's recommendation: run away use someone else

Tony P Yda

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Verified Reviewer

Don't be late

If you are ever late they just *** up your credit bad I would never recommend them to anyone even if I hated them
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Preferred solution: Out of this vehicle and get a different one

User's recommendation: Don't do it

1 comment
Guest

Wow. Is that ever a highly intelligent observation! I'm impressed!

Anonymous
map-marker Milltown, New Jersey

My issue still not solved

I leased Tesla y 2023 45 days ago. I am trying to get License plate from DMV, they asking title certified copy. 2 weeks my car at door without license plate. No one is solving my issue they do not know how to do it.
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User's recommendation: Educate your agent.

Mary A Mli

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Verified Reviewer

Dissatisfied Again

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Updated by user Sep 29, 2023

No they have not reached out to me nor did I expect them to, this is how they roll and if you don't like it they will make it even worse on you until you can pay them in full. They have NO regards for helping like their website says at the top banner!

Original review Sep 22, 2023
Well, have had 3 loans with this company in my life, the last loan I have with them I have late fees on and would like to pay off the loan and asked forgiveness of those due to the fact that the car's engine blew and I haven't driven it nor have it since March 2022 but have not missed a payment and still have until February 2024 until would be paid off. I called and asked for leniency on late charges, yes I was late due to the times the car had to be repaired, it was definitely a LEMON but couldn't return!

I was insulted to be given a $100 credit on a $1675.97?

As I stated I will go without a car as I have done for over a year at this point and will never do business with this finance company again in my life. I feel as though with the high interest rate charged on this life of account that this company could have honored my request.
View full review
Loss:
$1675
Cons:
  • High interest rate and late fees

Preferred solution: Full refund

User's recommendation: Unless you have no options do not do business with them.

1 comment
Guest

Very, very, very simple remedy. If you want a lower APR and don't want late fees, then pay your bills ON time.

You ended up with this sub prime deadbeat lender because the banks wouldn't touch you. Here you go again!

You don't pay them ON time either! Absolutely amazing how you SERIAL DEADBEATS will NEVER learn and blame everybody and everything for YOUR deadbeat ways!

Anonymous
map-marker Redmond, Washington

Double payment not returned

Spouse in the hospital accidentally made extra payment on vehicle, sent in three fax and made 5 calls to customer service to no avail. Now have overdrafts and another late car payment. Terrible it was better with Capital one
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User's recommendation: Total frustration

Jerry Fns

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Verified Reviewer
| map-marker Winston Salem, North Carolina

Need a lien release

Lost title for my Nissan pathfinder 2004 and I also need a lien release yes, my car got total loss and I cannot find my title that the company has sent me and I really do need this title
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Saadiq Ddc
map-marker San Jose, California

Ask questionsh

My car stolen this morning and want to report about that matter I do have a police report with number and I want to share it with the company
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Amri Mqh

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Verified Reviewer

Repossessed car

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I needed a copy of when it was reppoed and can't get them to send paper to me on my email. That's messed up !!!
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Cons:
  • All kinds

Preferred solution: Email on reppoed car . They couldn't do it. I have to wait 3-5 bus days. Very disappointing. I needed it TODAY !!

Robb R Xrt

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Verified Reviewer
| map-marker Nilakottai, Tamil Nadu

Pissed iff

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Go elsewere you appreciate this reviewgHorrable customer service. Do not know the true rules of loans and lied to me numerous times to benedit the company and do not have customer service skills nor care about there customers and we are hust money to them. Deff need alot of training from the first call center people all the way up to management... will never utilize them for another loan, which is horriable since the wife and i are looking into buying houses now and putting atleast 50k cash on it. .there lose i guess
View full review
Loss:
$78864
Pros:
  • Easy loan acceptance
Cons:
  • Only want your money lied to gor a few months
  • Horrable customer service

Preferred solution: Full refund

Mary L Fqk

I had to make a payment at my local Walmart on 7/18 because customers service said my Visa card was no valid! I made the payment with the same card and I alway have a problem making my payment online

My payment was made at a local Walmart $400.00 with the same Visa card you said was not valid. I have always had a problem with logging in online to make a payment can you send me a statement every month I dont get any mail about my monthly payments
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Preferred solution: I would like to get a statement every month so I can know what my balance is also want a confirmation on my payments I make

Amika Ksx

We have an insurance check we need a Santander...

We have an insurance check we need a Santander stamp to cash check.or they won’t let us cash it. There giving me a hassle on it, I need a stamp or signature to pay auto body place thank you
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Dianne J Soq

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Verified Reviewer
| map-marker Dallas, Texas

Santander Consumer USA’s Refusal to pay portion of Class Action Settlement

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Santander Consumer USA’s Refusal to pay portion of Class Action Settlement
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I have contacted Santander Consumer USA repeatedly in reference to settlement payment. Ive been told loan was sold to Crown Management who never contacted me for collection. Class Action Settlement had already been filed so sale of loan was null and void. I still have not received any compensation. They are in default of Class Action Court Settlement.
View full review
Loss:
$50000
Pros:
  • Approved loan of 2020 mitsubishi outlander sport se
Cons:
  • Poor customer service
  • High interest rate

Preferred solution: Compensation from Class Action Settlement

User's recommendation: If you have not been compensated, do something about it. Don’t go quietly into that good night. Santander Consumer USA must be held accountable.

2 comments
Kanen Ihk

They were suppose to buy back that loan from whomever they sold it to and then complete the process as ordered by judgement .

Guest

They think they are above the law. b They lost to 33 states, involved. And now, they must pay.

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Shanteria Btu

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Verified Reviewer
| map-marker San Antonio, Texas

I need my aciaunt number please to login to online

i need my a paint number please to login online cause i forgot my username. i need to pay but i forgot my pasword. please.
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1 comment
Shanteria Btu

i like

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