Reyna
Hockley,#2Consumer Comment
Fri, June 10, 2011
and He thinks he or the scumbag companies are wrong, just us little people who are finding it hard to servive is terrible economy.
brownsong
culpeper,#3General Comment
Thu, June 09, 2011
I am a fairly intelligent person and I never read into the OP's post the way the two know it alls above did. The OP paid into an insurance program that gave him not only the payoff of the lien, but more, for whatever reason. He got good insurance, that simply pays more than the amount of the lien. So it's obvious to me from the post that the money is to be disbursed to him.
Think of it this way: If your house burns down, and your ins company allows $50,000 to repair/rebuild it, and you find you can do it with 30,000, the overage is yours. Because that's the amount that your insurance has allowed. In most policies, it will say on your policy how much is allowed for theft of vehicle. The overage is yours.
And why is it Jim, that whenever someone doesn't agree with you, they are sub prime welfare rats, or whatever you said. Just own up to your mistake when you are wrong, instead of trying to feel superior by making others out to be trailer trash.
Reyna
Hockley,#4Consumer Comment
Thu, June 09, 2011
You need to know the person you are talking about before you speak. I am not on welfare, I work 40+ hours per week as an auditor for a cancer care center, i just happen to be out on short term disability until august due to back surgery. I do not live in a mobile home I have paid off the house I am living in in less than 15 years, and have paid off two trucks. I am just tired of you people like you who work for these scumbag companies, and we know you do, I do not know one regular person who uses the the term subprime thinking, getting on here and trying to tell everyone that they are wrong. Seems funny you think that everyone on these boards are wrong, on welfare or live in a mobile home park, and that all of the big companies are right,sound pretty ignorant to me. Like my grandpa said, he who doth protest to much must be guilty themselves.
mr rik
miami,#5Consumer Comment
Thu, June 09, 2011
WAY TO GO SANTANDER!
You went from only 25 reports in April, to a WHOPPING 152 (ONE HUNDRED AND FIFTY-TWO) as of this writing!
GREAT JOB! Thats another HUNDRED AND TWENTY-SEVEN REPORTS IN A LITTLE OVER A MONTH!
d**n!
-"It is good that we have two morons - one on each of the coasts" (Speaking of "coast" why isn't he here???)
And now one in the midwest too HaHa! (if they're really not all the same guy)
You guys better keep busy!
Christiana
Cincinnati,#6General Comment
Thu, June 09, 2011
First off, why is it when people don't get the answer they want the other poster is automatically assumed to be an employee of said company. That is so incredibly ignorant.
"I won't play your silly little word games so any response to me after this will not be read or responded to boys. I have better things to due
than play your games. People can see thru your little protest of an
issue you know nothing about and have no knowlege of. Whats is your
game?"--------I think if you DO have better things to do you should learn how to spell. It helps give one the impression you know what YOU are talking about. FAIL!!
Jim
Orlando,#7Consumer Comment
Wed, June 08, 2011
Just another subrime welfare type who doesn't have a clue about finance. He, she or it has their own reputation of NOT paying their bills on time and of course blaming everybody else! Like I said, the typical sorry welfare type probably from some run down trailer park.
Reyna
Hockley,#8Consumer Comment
Wed, June 08, 2011
Seems funny that Robert and Jim are on every board defending whatever "MONEY HUNGRY s****..
Age
United States of America#9General Comment
Tue, June 07, 2011
I am going through a similar situation. My vehicle was paid off in Feb, but they drafted another payment 1Mar. I have been waiting since for my refund. I keep hearing the same thing from the Customer Service rep, "Ma'am, I will write a note to the accounting dept and we should hear something from them soon". I had a gleamer of hope in Apr when they actually sent a check, but to my surprise, they placed a stop-payment on it, stating I did not deposit the funds in sufficient time. I did not have the check for a solid 2 weeks before they put the SP on it. Still waiting. I call every day and will continue to call them until I do recieve it. FYI, the reason they recieved an F rating is due to them not registering with the BBB. I filed a complaint with them and it was the complaint was closed as an Adminitrative Closure. You should consider filing a complaint with the Federal Trade Commission as well as with the Federal Reserves. Hopefully, some action will occur as I am still waiting.
SCUSA-Anonymous
United States of America#10General Comment
Mon, May 16, 2011
Just a friendly FYI, small claims or BBB is not going to do anything about your complaint. It will sit for months and maybe you'll get a response from your BBB complaint, but BBB is not a regulator. If you file a small claims suit, you might get lucky and the in-house counsel might settle or review your account to determine if there is something in your activies available to bring a counter suit against you.
So with that said, Santander has just recently been audited by the Federal Reserve Bank. The FRB was not at all happy with their findings. So if you want results, go to the FRB. FRB complaints are treated as High Priority, because they regulate Santander. If you aren't happy with the outcome continue to make contact with the FRB, and rebuttal, rebuttal rebutall, until you get the results you want.
In the state of Texas, Santander is required to release the title and pay all overages within the State Title release guidlines. Typically it takes no longer than 10 days. Overages after pay-off can range, depending on how you paid. If it was check, they will wait till the funds clear before sending your refund. If its less than $20 that they owe you, they won't cut you a check. They will keep the money. Hope this information helps!
mr. rik
miami,#11Consumer Suggestion
Sun, April 17, 2011
I'd never even heard of this company till now, and it looks like they've already racked up 25 reports on this website.
WOW!
Aquilla
Lewisville,#12Author of original report
Sun, April 17, 2011
Just to pacify you two know it alls - the Insurance company Investigator at Nationwide told me WE are entitled to the overpayment! I also confirmed that with an attorney/friend. I was a cop and criminal investigator for 28 years and my spouse has worked in Insurance for almost 30 years.
I have no idea what credentials either one of you two would claim to have? I don't make accusations that are baseless or illegal. Again you do not know what you are talking about.
These people are typical of many large corporations in the country - screw people out of money any way you can - its the corporate way.
It is good that we have two morons - one on each of the coasts - to balance out the country. Again you would not take the position each of you are taking if you had been ripped off or didn't have your own little agendas - otherwise why waste your time to respond to people you know NOTHING about, or their issue. You obviously have ulterior motives or are too busy on the internet to have real jobs.
Your answers show your ignorance of the issues. Ever filed any claims or investigated any civil or criminal cases? I didn't think so.
By the way I got my message out to people about this company and that was my only intention!
I won't play your silly little word games so any response to me after this will not be read or responded to boys. I have better things to due than play your games. People can see thru your little protest of an issue you know nothing about and have no knowlege of. Whats is your game?
Robert
Irvine,#13Consumer Comment
Sat, April 16, 2011
1. It is my money. The insurance company agreed to a settlement for X dollars, they took out what Santander Consumer claimed was the payoff, and gave me the rest of the settlement. They were paid more than they were entitled to so yes - That is MY MONEY. Simple math. I have paid Insurance premiums for over 35 years and never had a theft claim - It is MY money.
- It's not YOUR money. If you do get this money just hope that your insurance company doesn't find out. Because if they do they may require you to return the excess to them. But then I guess we will see another RoR on that company.
2. You don't know that the Dallas BBB has had 2700 complaints on this company in the last 4 years in Texas - 1100+ were never settled or handled - their score is F on a normal score of A+ - F Check the public records
- Just look up "BBB Scam" or "BBB Pay-to-Play" and see how much value that rating may actually hold.
3. I had no problem with them keeping the Title and the excess for up to 10 days or so but 6 weeks is ridiciulous.
- They didn't keep the Title 6 weeks did they....
4. We will see if the Attorney General of Texas - Consumer Fraud Division thinks it's "Normal Business practice" when they finish their Investigation. My info is they have other Investigations into these peoples actions.
- It doesn't matter if they they have 10000 investigations going. Based on YOUR situation that you wrote here there is nothing wrong with what they are doing. In fact the only "wrong" thing might be this insurance money you are trying to get your hands on. Which by the way if you go to the State they will definatly notify your insurance company during their investigation, so the Insurance company may want to know where the extra money is..See #1.
5. Lastly since you chose to speak on another persons problem which you have no knowlege of
Why don't you send me $173.93 for about 6 weeks and let me keep it and see if you like it.
- Again it is not YOUR money that you are out. The $173 did not come from you "out of pocket" it came from the insurance company. It is not like you bought an item, tried to return it to a store and the store is making you wait a few weeks for the money back.
Oh and NO I do not work for them.
Jim
Orlando,#14Consumer Comment
Sat, April 16, 2011
Once again, another subprime thinking welfare type doesn't like the answer and the typical low IQ response is "you must work for them".
The "normal" BBB rating? Obviously you don't know what in the hell you're talking about. The BBB is a SCAM. The reason this company doesn't have a "A+" "rating" is because they have NOT YET PURCHASED IT. The BBB sells...repeat...SELLS these phoney accreditations to anyone who has the money. Period. The BBB is NOT a government agency. The BBB sells phoney accreditations JUST LIKE there are those who sell phoney college degrees.
The gentleman from California is usually right on with his advice. The car was insured with the finance company being the lien holder, NOT YOU. When the car is destroyed, the insurance company pays the lien holder, NOT YOU. When you finance the car, a requirement is you carry and pay for full coverage insurance to protect the lien holder. Whatever financial arrangements they make with the lien holder is OUT OF YOUR HANDS. If the insurance company overpaid the lien holder, then the lien holder must refund that overpayment to the insurance company...not you.
Looks to me like you are just trying to get your hands on money, much like somebody runs to an attorney when they have a paper cut in an office.
No, I don't work for them either. Grow up.
Aquilla
Lewisville,#15Author of original report
Fri, April 15, 2011
Evidently you must work for these people because you didn't read the entire matter - maybe the California sun got in your eyes.
1. It is my money. The insurance company agreed to a settlement for X dollars, they took out what Santander Consumer claimed was the payoff, and gave me the rest of the settlement. They were paid more than they were entitled to so yes - That is MY MONEY. Simple math. I have paid Insurance premiums for over 35 years and never had a theft claim - It is MY money.
2. You don't know that the Dallas BBB has had 2700 complaints on this company in the last 4 years in Texas - 1100+ were never settled or handled - their score is F on a normal score of A+ - F Check the public records
3. I had no problem with them keeping the Title and the excess for up to 10 days or so but 6 weeks is ridiciulous.
4. We will see if the Attorney General of Texas - Consumer Fraud Division thinks it's "Normal Business practice" when they finish their Investigation. My info is they have other Investigations into these peoples actions.
5. Lastly since you chose to speak on another persons problem which you have no knowlege of
Why don't you send me $173.93 for about 6 weeks and let me keep it and see if you like it. I promise to return it when I get ready to.
One poor guy on this site has been owed $400. for over 5 montths and they continue to rip him off!
Get a clue - unless maybe you are defending your bosses!
Robert
Irvine,#16Consumer Comment
Thu, April 14, 2011
It is standard to hold the title after payoff to make sure that the funds clear. They said they would hold it until 4/7, they held it until 4/7 just as they said. That was only 3 days days after it cleared the bank.
As for the refund again it is pretty standard with any bank or finance company to hold refunds for a period of time, anywhere between 30-60 days is not out of the ordinary. Yes you want your money now, but that is the other point. Is this even YOUR money? They gave your insurance company the payoff amount, they paid that amount, and that amount was determined to be less. Wouldn't the insurance company be entitled to the refund? But even IF you think you are entitled to the refund this is not money YOU put out, it is money your insurance company put out. YOU are NOT out any money.
Now you could go through all of the time, effort and cost to try and get your money through the small claims process. But with the amount of time it would take, your case probably wouldn't even be heard until several weeks after they should refund the money anyways. Even if it made it to court and the court decides you are entitled to interest for the month they had the money. At 24%APR(which you would get no where near this), you would be looking at about $3.50.