- Report: #731350
Complaint Review: SANTANDER CONSUMER USA - Dallas Nevada
Reported By:
Latangella Douglass -
N Las Vegas, Nevada, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
SANTANDER CONSUMER USA
p.o. bOX 660663, Dallas,Texas 5266-0633 Dallas, 89031 Nevada, United States of America
Phone:
Web:
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SANTANDER CONSUMER USA Defrauded me about retrieving my vehicle after after they new that I had been ill and out of work. Tricked me into paying money and had my car sent to another state to an auction after I told them tha Dallas, Nevada
For the past year I have been ill and I have kept in touch with Santander. I have had horrible time with repairs on the account and given deferment to assist with getting the car up and running.
I had surgery and was out on sick leave and I explained this to Santander time and time again, however on the mornig of Friday May 13, 2011 I phoned Santander that I had finally returned to work and that Iwanted to make a payment on my car which was at the time 86 days past due.
The individual told me that I could go ahead and make the payment and then when I made the payment to phone back into Santander and ask to be placed on something called a TRIP reductionl. This supposedly is something that the company will do when a costumer has lost income Santander would lower their payments for up to 6 months.
Well when I got off of work this same evening the car was gone and whe I phoned Santander they told me that I needed to pay them about $1778.00 to retrieve the car. I explained that I didn't have that much because I had just went back to work and hadn't got a full paycheck. I
I then asked why the individual that I spoke to earlier that morning didn't tell me that all of this was in motion. They lowered the amount to $950.00 which would be the actual amount that I was behind. I told them that I would money gram the funds to them when I got paid on the 17th which was four days away.
They then informed me that according to Nevada law an individual has ten days to retrieve their vehicle and after which they send to the auction.
Between the four day time frame I contacted Santander to continue to remind them that I would be making the payment and that I needed to retrieve my children's clothes and my personal belongings out of the vehicle. They gave me the number to phone C and G Asset Recovery and when I phoned them the individual that answered the phone and was very rude and told me that if I didn't have the funds to retrieve my things they would throw them out. I explained to them that I had just gone back to work and the items in the car were important especially my son's basketball uniform and there shoes and clothing.
They stated that I had to make an appointment to get my things and the only days I could retrieve them was on Tuesday and Thursday and that when I returned to pick up my vehicle I would have to pay storage fees, towing fees, and fees to retrieve my children's clothes as well as a charge for the key to the car even though I would be retrieving the vehicle.
I told them that I was calling the Better Business Bureau and the guy to me "please do so and go straight to hell with your broke a** thats why we have your car"
So I get paid on Wenesday the 17 and I only have a portion of the money and I borrow the other $500.00 and I money gram it to them and then call them and give them the reference number.
When I gave them the reference number the lady started telling me about another set of charges and I asked her if she could call C and G Asset Recovery and inform them that I had made the payment and that they could release the car to me. She said hold on and did so.
But when she returned to the phone she finally gave me their information and I phoned them and asked when I could pick up my car. The same man that use the derrogatory remarks towards me answered the phone and I told him that I needed their address to pick up my car. He then informed me that my car was sent to Salt Lake Utah that same morning.
I phoned the finance company and they confirmed everything that he told me. I was crying and I asked them what was I supposed to do now that I have given them every cent that I had to my name. They told me that I needed to go up to Salt Lake City and get my car.
I told her that I was not in any condition to travel and the car wasn't in any type of shape to be driving state to state.
She told me that they wouldn't transport the car back.
I phoned money gram to see if they could stop the issuance to Santander and after telling him what happeded ihe did a confrence call with Santander and the young lady that answered the told the man on the phone that I had not phoned anyone in their reinstatement department, I started yelling that they were lying and the man said that we needed to work it out it was out of their hands and hung up.
So they tell me that they are going to get my truck back to Vegas, however I will have to pay all of the delivery fees and also storage fees and any other fees that are charged before I can retrieve my truck and my childrens clothing.
I have spoken to Santander and did everything I could to ensure that nothing would go wrong with the retrieval process.
I am a single mom of 4 children who are active in everything that you can think of and then I am a student in college.
I have had to rent a car with my credit card and I am now in the position where its time to turn it in but I don't have a plan B..
I have phoned the Better Business Bureau, Nevada State Institution Commission for Finance and Loans, State of Nevada License Investigators, The State of Texas Commissions, the State of Nevada Transportationg Services, and a local attorney here but no one can assist me and no one knows just who it is that can regulate or over see this company.
It seems as though they can do what ever they want to me and nothing will be done about it.
I had surgery and was out on sick leave and I explained this to Santander time and time again, however on the mornig of Friday May 13, 2011 I phoned Santander that I had finally returned to work and that Iwanted to make a payment on my car which was at the time 86 days past due.
The individual told me that I could go ahead and make the payment and then when I made the payment to phone back into Santander and ask to be placed on something called a TRIP reductionl. This supposedly is something that the company will do when a costumer has lost income Santander would lower their payments for up to 6 months.
Well when I got off of work this same evening the car was gone and whe I phoned Santander they told me that I needed to pay them about $1778.00 to retrieve the car. I explained that I didn't have that much because I had just went back to work and hadn't got a full paycheck. I
I then asked why the individual that I spoke to earlier that morning didn't tell me that all of this was in motion. They lowered the amount to $950.00 which would be the actual amount that I was behind. I told them that I would money gram the funds to them when I got paid on the 17th which was four days away.
They then informed me that according to Nevada law an individual has ten days to retrieve their vehicle and after which they send to the auction.
Between the four day time frame I contacted Santander to continue to remind them that I would be making the payment and that I needed to retrieve my children's clothes and my personal belongings out of the vehicle. They gave me the number to phone C and G Asset Recovery and when I phoned them the individual that answered the phone and was very rude and told me that if I didn't have the funds to retrieve my things they would throw them out. I explained to them that I had just gone back to work and the items in the car were important especially my son's basketball uniform and there shoes and clothing.
They stated that I had to make an appointment to get my things and the only days I could retrieve them was on Tuesday and Thursday and that when I returned to pick up my vehicle I would have to pay storage fees, towing fees, and fees to retrieve my children's clothes as well as a charge for the key to the car even though I would be retrieving the vehicle.
I told them that I was calling the Better Business Bureau and the guy to me "please do so and go straight to hell with your broke a** thats why we have your car"
So I get paid on Wenesday the 17 and I only have a portion of the money and I borrow the other $500.00 and I money gram it to them and then call them and give them the reference number.
When I gave them the reference number the lady started telling me about another set of charges and I asked her if she could call C and G Asset Recovery and inform them that I had made the payment and that they could release the car to me. She said hold on and did so.
But when she returned to the phone she finally gave me their information and I phoned them and asked when I could pick up my car. The same man that use the derrogatory remarks towards me answered the phone and I told him that I needed their address to pick up my car. He then informed me that my car was sent to Salt Lake Utah that same morning.
I phoned the finance company and they confirmed everything that he told me. I was crying and I asked them what was I supposed to do now that I have given them every cent that I had to my name. They told me that I needed to go up to Salt Lake City and get my car.
I told her that I was not in any condition to travel and the car wasn't in any type of shape to be driving state to state.
She told me that they wouldn't transport the car back.
I phoned money gram to see if they could stop the issuance to Santander and after telling him what happeded ihe did a confrence call with Santander and the young lady that answered the told the man on the phone that I had not phoned anyone in their reinstatement department, I started yelling that they were lying and the man said that we needed to work it out it was out of their hands and hung up.
So they tell me that they are going to get my truck back to Vegas, however I will have to pay all of the delivery fees and also storage fees and any other fees that are charged before I can retrieve my truck and my childrens clothing.
I have spoken to Santander and did everything I could to ensure that nothing would go wrong with the retrieval process.
I am a single mom of 4 children who are active in everything that you can think of and then I am a student in college.
I have had to rent a car with my credit card and I am now in the position where its time to turn it in but I don't have a plan B..
I have phoned the Better Business Bureau, Nevada State Institution Commission for Finance and Loans, State of Nevada License Investigators, The State of Texas Commissions, the State of Nevada Transportationg Services, and a local attorney here but no one can assist me and no one knows just who it is that can regulate or over see this company.
It seems as though they can do what ever they want to me and nothing will be done about it.
5 Updates & Rebuttals
HD
Spring Creek,Pennsylvania,
United States of America
They are like any other subprime finance company.
#2Consumer Comment
Mon, May 30, 2011
I have a 2008 Durango through Santander. They are not bad at all, however I have been fortunate enough to be able to keep up with the payments. The finance manager at the dealer told us "pay your payments on time, and you'll be best friends and if you don't watch out". I truly am sorry you had your car repossessed,
mr rik
miami,Florida,
USA
Santander
#3Consumer Comment
Tue, May 24, 2011
I just found 149 reports!
These guys must SUCK!
Flynrider
Phoenix,Arizona,
USA
Forget the Fed.
#4Consumer Comment
Mon, May 23, 2011
" (Please be advised that I am not an attorney, but very knowledgeable in auto and consumer laws)
Santander Consumer USA, Inc., (SCUSA) is regulated by the Federal Reserve Bank (FRB). "
Very knowledgable, eh? How do you explain being full of crap? Santander is not regulated by the Federal Reserve. You should not pretend to be knowledgable when you are actually clueless.
To the OP: Your state regulations governing reposession is what will determine your case. Start reading up on those and don't waste you time with the Federal Reserve.
Jim
Orlando,Florida,
USA
However.....
#5Consumer Comment
Sun, May 22, 2011
Nevada law does require written notice be sent to the debtor via some form of delivery which proves delivery was made...such as signing for the leter. Did that happen? They do not need to do that if you gave them permission to tell you verbally. Did either of those things happen? The notice is to inform you that you have ten days to prevent the sale.
Go to your local yellow pages and find lawyers who concentrate their practice to representing debtors. Get their e-mail address and then send them a VERY BRIEF and TO THE POINT one or two sentence e-mail such as: "I believe my lender violated my rights before they sold my car at auction. Do you handles these type of cases?" If a lawyer contacts you, again, get to the point and forget all the excess wordiness.
Finally, sickness does dot give you, me or anybody else a "pass" to make the payments we promised to pay as defined in the terms and conditions of the contract. All they care about is their money. Whether or not you, me or anyone in the family is a veteran, disabled or not, does not give the pass to not make payments. It doesn't matter...we agree to the financing in return to making our payments, on time everytime.
SCUSA-Anonymous
United States of AmericaI have a suggestion
#6General Comment
Sun, May 22, 2011
I am truly sorry for what you've been going through. I have a few things to tell you to help you out. (Please be advised that I am not an attorney, but very knowledgeable in auto and consumer laws)
Santander Consumer USA, Inc., (SCUSA) is regulated by the Federal Reserve Bank (FRB).
http://www.federalreserveconsumerhelp.gov
Contact them, and file a complaint. They will help you out. If you need immediate assistance, hire an attorney. Your attorney will be able to send a demand letter to SCUSA to stop all collection efforts or sale on your vehicle immediately.
What SCUSA has done to you is illegal. By law they are required to send you a Notice of Sale and Right to Redeem. This Notice will let you know where the vehicle is, the total amount to redeem your vehicle, and the time and place the vehicle will be sold at private/public auction.
If you did not receive this, talk to a manager or AVP (assistance vice president) over the department handling your account. Tell them to look into your account, because you did not receive the Notice required by law.
If you did receive this notice, look at it very closely. Check and see if the notice indicates a location of your vehicle, the date and time of sale. If the location is NOT in Utah. They did an illegal transport of your vehicle.
*** ALSO - in the state of Nevada this applies: ." Nev. Rev. Stat. 482.135. The repossessed vehicle may not be driven more than 75 miles from the place of repossession.
It is illegal to transport your vehicle across state lines and transport to any other location other than what is shown on your notice, especially if they transported before the sale date.
The reason why they transported your vehicle is because it is very possible that they can sell your vehicle quicker by transporting to another auction house.
The reason why your reinstatement fee is so high is because, when they are searching for your vehicle, sometimes they will have two agents looking for your car. They have to pay these agents to look for your car, so they will charge you for it. The reinstatement includes the cost of repossession and any past due amount owed on your account.
Hope this helps. If you need any additional help, please feel free to respond to me.
In addition, if you can't afford an attorney I also have a way to help you get your vehicle back, only if any of the above applies to your situation.
