Citibank recently appointed Santander as servicer for the loan on a 2006 Pontiac Torrent I owned. This loan has never been late - it has always been paid through Citibank's auto-debit program, and I have numerous monthly billing statements on hand that attest to the fact that during the life of the loan with Citibank, the loan was not paid late

After the first two months of Santander servicing the loan (again by auto-debit), I traded in the vehicle and the dealership paid it off. Let me repeat that: the vehicle was paid off. I have evidence of this in the form of a payoff notice from Santander themselves, the actual title to the vehicle (released to me by the state DMV), and also a copy of the cashed check that the dealer remitted to Santander, including the date when Santander cashed it, all routing numbers, and a letter from the business office of the dealership (a nationwide chain) stating that they have repeatedly contacted Santander to ensure that the payoff is properly credited to my account.

As of today, Santander continues to report that the account is not paid off, despite the fact that they cashed the dealership's payoff check, and despite the fact that the payoff amount provided by the dealer actually exceeds the payoff amount for the vehicle. Worse, Santander reports that the account is actually past due by 22 days, despite the fact that the last monthly payment was made on time, again by auto-debit, debited by Santander. They claim that the account is late stemming from 2007 - in essence claiming that the account has been past due for *3 years* - from a point before they actually even serviced the loan, and also despite the fact that they previously transacted two payments on the account without indicating the account was past due, and despite the fact that Citibank previously transacted 3 years worth of payments on the account, also without ever indicating that the account was past due (BECAUSE IT WASN'T).

Synopsis: I have a vehicle that has been paid off - There is incontrovertible evidence to this effect in the form of the payoff check actually cashed by Santander, the date it was cashed, amount, etc. In addition, the note has never been paid late - I also have evidence to this effect in the form of statements from Citibank AND Santander indicating that the account is not past due. Yet against this, Santander continues to indicate that the account is not paid off, and also has the temerity to add insult to injury by claiming the account is past due.

Santander is absolutely terrible to deal with. There is no way to directly contact anyone within their organization who can be of any real assistance in resolving these issues - the same answer is always given no matter how many times you call them to complain (we will send it to our accounts dept for review.) Even the business office for the dealer - who has paid out over ten thousand dollars to Santander that has not been applied to the payoff account - gets this same answer.

I've seen other complaints online about being told by Santander that they were past due after having their loans taken over by them, despite the fact that the original loan holders never considered or reported the loans late. This behavior seems obviously reprehensible at best, and on the surface certainly appears fraudulent in nature - claiming accounts were late when there are years of payment history without even a hint of late payments seems both irrational and absolutely manufactured in nature. I hope to God someone sues them and wins; they are the absolutely worst company I have ever had the displeasure of dealing with. In my case, they are demonstrably in the wrong (not only am I not late, the vehicle is actually paid off), yet I cannot get ANY satisfaction from them with respect to resolving the issue.

Click Here to read other Ripoff Reports on Santander Consumer USA

14 Updates & Rebuttals

California,
USA

Update 11/17

#2Author of original report

Wed, November 17, 2010

Nothing new to report. Santander is still reporting me past due.

Today is the next payment due date. Car is paid off - they cashed the dealer payoff check on 10/27. Last month I paid them on time, with a zero past due balance. But, Santander still claims I am past due for the last payment, even though I have proof that it was paid, and even though they acknowledge that it is paid... even though they actually applied it to the account.

The dealer called today and was told the payoff still hasn't been credited.

Not sure what to do - I've done nothing wrong, here - always paid as agreed. Yet here they are, claiming I am late, and holding thousands of dollars that they just can't seem to be able to credit to the account.

It's just not right.

California,
USA

Update 11/16b

#3Author of original report

Wed, November 17, 2010

I finally got a phone number to get past the frontline people at Santander. Its the number that AutoNation has been using when they call, and I spoke to one of Santander's representatives this afternoon. They informed me that the matter of the uncredited payoff is being addressed, but that it could take 7-10 business days more to get the payoff credited to the account.

Let's add that up for a moment:

- They cashed the dealer's payoff check on 10/27.

- Today is 11/16.

Already 21 days have gone by and they have not credited the account. They are claiming it could be 7 - 10 business days more. That would make it over a month for them to receive payoff and credit the account. Does anyone here think that should be tolerated by consumers... even by Santander? Listen, they are charging interest daily during that period. If someone were to send them a payoff and it were to take that much time to post, the payoff amount would no longer be valid; more would be owed. And, if you read this thread, you'll find that's exactly what some people claim has happened to them. It should not be legal for Santander to do this.

I also broached the issue with Santander's representative regarding the account status, and I enquired as to why it is listed as past due. Santander's representative stated that the dealer first attempted to pay them on 10/15, but claimed that the dealer's payoff check was reversed on 10/18. The dealer has confirmed this is true. They paid Santander on the 4th of October, and it took Santander so long to cash the check that the dealer thought it had been lost. So they stopped payment and issued another. Santander apparently had a problem crediting the account properly after that point, even though they did cash the check. This is, according to Santander, what caused the account to be listed as past due even though I paid the monthly payment on time.

The representative I spoke with acknowledged that my monthly payment really was made on the 17th, and I then pointed out that since no payment was past due at the start of October, and since the October 17th payment was made, it really ought to logically follow that I cannot be past due now. She understood, and ventured that it would all be fixed when they apply the payoff. That's wonderful to hear, but it doesn't change the fact that right now they are saying I am past due when I clearly am not.

Now, this may be a bit of editorializing, but all of this makes me wonder "How hard can this be?" I made my payment on time, their system acknowledges that it was made on time, plus they know that they do really honestly have the payoff for the vehicle from the dealer, from a separate check that they did cash and that they know cleared. So what's the problem? Even if the first check from the dealer was reversed, and even if they hadn't ever sent a replacement, it ought to be irrelevant. The logic is simple: I cannot be past due when my monthly payment was made and there was no previous past due balance; its just not possible. The fact that the first dealer payoff check was reversed should have no bearing whatsoever on whether or not I am considered past due on the account - I paid! So maybe this was all a bit confusing for their systems... Am I, as a consumer, supposed to find it acceptable that because they can't get their internal systems to work right, they keep telling me I'm past due? Am I supposed to care about the reason? What matters is this: it's not correct. They have my money. They have the dealer's money. The know I paid them, and on time. They know the dealer paid them off, and almost a month ago at that. And against all of that, their system is still saying I am past due, and they still haven't credited the money for the payoff. What utter and complete nonsense.

As I spoke to Santander's agent, I broached the potential that this could report to my credit as past due, and here is how they proposed resolving that potential: They offered to do a one month deferment for the October payment, as that would keep their system from reporting it late. I pointed out that I did in fact make the October payment. They acknowledged that I made it. I pointed out that if I ask for a deferment, it's tantamount to me stating that I didn't actually make the payment, when we both (myself and Santander) know that I did. They ventured that they would see if there was anything they could do to expedite things.

I want to observe that I'm just a little bit miffed that the solution they offered is a deferment on a payment that I made. I'm not late and they know I am not late, so why can't they just fix it? What is the nature of this problem that makes rectifying it so unbelievably difficult and time consuming? And while we are at it, why should I, as the consumer, have to do something that makes it seem that I am somehow at fault in order to prevent them, as the loan servicer, from doing something that is clearly wrong? Why can't they just keep their messed up systems from reporting incorrect information to my credit reports?

The only real option they gave me was to wait until they do whatever it is they are doing, and to hope it doesn't incorrectly report. And they said I shouldn't worry... should they happen to mistakenly report it, they will fix it. Good grief, after all this, am I supposed to believe that?

California,
USA

update 11/16

#4Author of original report

Tue, November 16, 2010

Yesterday I noted that I had received a call from the AutoNation business office, and from the dealer, stating that Santander would be crediting the account payoff last night. I also called Santander myself, and one of their agents told me that the account would be 'fixed' and 'closed out' last night.

This morning I called Santander's automated phone system, and of course none of that took place. Their system is now reporting my account as being thirty days past due; they continue to report that the account is past due even though they know they have an uncredited payoff. They continue to report the October payment past due, despite the fact that the October payment was made - and I've posted the proof of that here.

Here's a little transcript from that phone system, by the way (in part):

"As of November 15 2010, your account is 30 days past due in the amount of $452.38. Your next payment in the amount of $452.38 is due on or before October 17, 2010. The last payment received was in the amount of $452.38 and was applied to the account on October 17, 2010"

That's pretty interesting. First, if you read the last two sentences above, you'll note that their system acknowledges that the October payment was due on October 17, and it also indicates that it was received on October 17. Yet, it still counts it past due. If you will look at the October statement I attached here (Exhibit B) you will note that the statement clearly indicates that the there was no past due balance coming into October. So, if the payment was due on the 17th, and received on the 17th as their own phone system indicates, why is it that the account is listed as past due? We haven't even reached the next due date yet!

A second interesting thing about the output of their automated system is that it provides information that differs significantly from the paper statements they have sent me. Specifically, the November statement (posted here as Exhibit C) indicates that the October payment was made on October 29, which is late. However, their own phone system says the payment was received on October 17, which is the due date, and is in-line with what my bank reports; my bank records show that the ACH was made on October 17th.

So here we have a situation where there was no past due balance even according to them, a payment was then made on the due date, and their phone system correctly reports these facts. Yet their paper statements to me say the payment was late and they show a different payment date than either their own phone system (and my bank) reports, and both their phone system and paper statements claim the account is past due even though they both acknowledge that the amount due was paid. It is certifiably insane. And to make matters even more bizarre and inexplicable, they know they have received payoff for the account, but have still failed to credit the account for payoff, and instead continue to count it late. Did I mention that I have a payoff letter from CitiBank, and I also have the lien-free title from the state? This is nuts!

As to the issue with the payoff, I received a call from the AutoNation business office this morning confirming that the payoff was not credited to the account last night as Santander had stated they would do. They also informed me that Santander has now changed their story, and states that they 'found' the payoff money today, this despite the fact that they were saying last week that the account would be credited on Friday or Saturday, then Monday night (as I have documented here). They were further told that it would take an additional 48 hours for the account to be credited. That means Wednesday at least, the day of the next scheduled monthly payment. Now I ask you this: what do you think the odds are that they will try to debit another monthly payment before they finally credit my account with the payoff check?

On a personal note I just want to say that my tolerance level has been reached. I have documented this torturous affair meticulously, and before the day is out I will have all of that documentation in nicely assembled packets, ready for the state attorneys general of California, Texas, and North Carolina. I'll also send the same complaint to the FTC, and the congressional offices of those members on the oversight committees which govern banking. I intend to make certain that this matter does not continue to be one in which Santander can continue to delay.

As I have said, I will continue to keep everyone here informed of how this proceeds.

Dan

Murfreesboro,
Tennessee,
U.S.A.

Very Concerned

#5Consumer Comment

Mon, November 15, 2010

I am very concerned by what I am reading. My loan was also turned over from Citibank to this "Santander Consumer". I've been so nervous about it, I decided to simply pay the loan off in full. I called the automated service on 10/1 and was "advised" the payoff amount was $2107.16. I sent the check and it was credited to the account on 10/7. I then received a letter stating it was not enough, and today I am sending out another $30.00 per the letter and the current automated system. I have a feeling this company will try to drag this out forever. How in the world can places like this get away with this kind of garbage? A loan-shark would treat people better than how you have been treated.

California,
USA

Update 11/15

#6Author of original report

Mon, November 15, 2010

Update 11/15

I called Santander again this morning. I discovered that they still had not credited my account with payoff, and they were still insisting that as of yesterday the account was 29 days past due. That makes today day 30 by their calculation.

As I've stated many times, and substantiated using the documents I've shared here, the account was not past due in October (never past due in fact), and the October payment was made on time. It logically follows that A) given that the account was current in October and B) given that the October payment was made, then C) the account cannot be past due in November - we haven't even reached the monthly due date yet. It seems pretty simple and direct: You cannot go from current to past due over the course of a month if you made the required monthly payment. Unfortunately, this is exactly what Santander continues to allege is the case. And of course there is the matter of the uncredited payoff.

With respect to that payoff check, I received a call from the AutoNation business office this morning. Apparently they also called Santander this morning, and confirmed that the payment was not credited to the account friday or saturday, as had been earlier indicated. They were ostensibly informed by Santander that the payoff would be posted to my account today instead.

Finally, I received a call from the dealer confirming the information provided to me by their business office, and re-iterating that Santander had indicated to them that the payoff would be posted to my account today. They added that Santander had made that promise multiple days in a row.

skeptic

Bardstown,
Kentucky,
USA

Keep going.

#7Consumer Comment

Mon, November 15, 2010

I'm really enjoying your updates and hope you carry on. Have you ever thought of sending copies of all your documentation to your State's Attorney General? I had a problem with a bank and only got positive results when I reported them to the consumer division of my State's Attorney General. Banks don't like you to do that.

California,
USA

Images

#8Author of original report

Mon, November 15, 2010

Just trying to attach the images I promissed...

Report Attachments

ttupper

Irvine,
California,
USA

Update 11/14

#9Author of original report

Mon, November 15, 2010

Just another daily update. As of today, Santander considers me past due by 29 days on a loan that is paid in full. I've tried to work with them, the dealer has tried to work with them, and still nothing has changed. Despite acknowledging that they have received payment, Santander continues to indicate that the account is past due, and they continue to increase the number of days past due on a daily basis. Tomorrow is day 30, by their math.

The truth, however, is that I traded in the vehicle on September 25th. It was paid in full as of October 27. Santander owes me money, not the reverse.

I've been thinking about this for several days now, and I realize that when people make claims like this, it is very hard to believe that any company would behave this way, and be remiss in correcting their errors. And because Santander frequently deals with individuals who chronically pay late, many people are tempted to simply assume that it is the consumer that is being untruthful, which in turn leads them to dismiss claims like the one I am making here. That in turn creates space for a company like Santander to engage in behaviors that really should not be allowed, and which most people would consider predatory in nature.

With that in mind, I've decided to share some of my documentation here. My hope is that this might help someone else that is being victimized in this way. If people can see actual evidence that this stuff is really happening, maybe the pressure for Santander to change these practices will come more quickly and more severely. Therefore I have attached a number of documents that spell out the case as clearly as I can. These documents represent only a part of the documentation that I have, but I think they make the case clearly.

I will continue to keep everyone updated on the course that these matters take.

ttupper

Irvine,
California,
USA

Update 11/13

#10Author of original report

Sat, November 13, 2010

Well yesterday I received notice in the afternoon from the AutoNation business office that Santander had at least verbally agreed that they have, indeed, been paid. They also stated that Santander had indicated they would try to credit the account "today or tomorrow", and that the payment date would be backdated to when Santander actually cashed the check. I also received a direct call from the dealer where I traded in the car essentially providing the same information to me.

HOWEVER

As of this morning (11/13), Santander has not yet credited the account for the payoff, and now indicates that as of yesterday (11/12) I was 27 days past due. That means today is day 28 in their calculation, tomorrow day 29, and monday day 30. If this generates a 30 day past due on any of my credit reports, I will be very VERY displeased indeed.

The sordid tale so far:

- Citi notified me that Santander had been retained as servicer of my loan and that this would begin 09/06. Unlike many others, my loan was not sold to Santander - Citi retained ownership.

- During the entire life of the loan the account has been paid as agreed (never late) and has always been paid by auto-debit.

- On 09/17 Santander made the first of their auto-debits - as indicated above, a normal monthly payment (no past due balance).

- On 09/25 I traded in the vehicle at an AutoNation Honda dealership.

- On 10/17 Santander debited the second of their payments from me. This payment was, again, not late.

- On 10/27 Santander cashed the dealer's payoff check - the amount paid exceeded the amount due on the account by hundreds of dollars.

- On 10/29 AND on November 8 the AutoNation business office faxed proof of payoff to Santander, including an image of the cashed check front and back and all federal transit numbers.

- On November 1, the state released the title to me (clean title - no lien holders)

- On november 2 CitiFinancial (still the lien holder) sent me a payoff and lien release notice saying the account is paid in full.

- The same day I received the payoff notice from Citi, I received a statement from Santander stating I was past due and owed nearly $1000 dollars. There was no credit for the payoff, and the account was now listed as past due despite the fact that every previous payment was made, by auto-debit, on time.

- On 11/12 I received notice that Santander had finally recognized that the car had been paid off, and would be crediting my account.

- As of today, 11/13 Santander has still not paid off the account, and using their method of calculation, will now be indicating that I am past due by 28 days as of today.

As I have said throughout this ordeal, this is absolutely ridiculous and beyond the pale absurd.

First, there is no way any sane person could consider the account past due. Even if the dealership had not paid off the account, all payments have been made on time. Santander's own statement (for the October payment) indicates a past due balance of zero, and a normal payment due. Santander's own statement for November indicates the receipt of the october payment, but somehow makes me simultaneously one month past due. That is an impossibility. An account cannot go from paid as agreed one month to one month late the next when the monthly payment was made. It's even more absurd because every single payment has been made by auto-debit!

Second, given the fact that the account was paid off as of 10/27, it is a double impossibility that is past due as of today! An account with a zero balance (paid in full, as Citi stated) cannot be past due by any amount. This should be a big 'duh' moment for anyone with functioning neurons.

It should be evident from my tone, here, that I am beginning to get really steamed about this. I have never been treated as mercilessly by any company as I have been by Santander. Both I and the AutoNation business office have called them to try and get them to resolve this issue almost daily, yet the matter is still unresolved. It's really unacceptable that any company should be allowed to treat a consumer this way.

ttupper

Irvine,
California,
USA

Update 11/11 and 11/12

#11Author of original report

Fri, November 12, 2010

Sorry I missed posting an update yesterday - consider this a two day update:

On 11/11 the AutoNation business office once again contacted Santander to get their status on what is going on with the more than $10, 000 they have paid them, and which has not been credited to my account. They received the same answer that Santander always provides: it's under review by our accounts dept.

I also called and spoke to an agent who at least was understanding and not rude - she informed me that there is absolutely no communication between their phone caller services (the people taking our calls) and their accounts dept. She indicated to me that they don't even have a phone number they can call in that department - they actually have to send every inquiry by email. She went further to indicate that supervisors don't even have a direct line they can call. The picture she painted is one where the accounts dept. is almost a citadel where the only thing that can go in is a request for review, and the only thing that comes out is the result of a review, and there is absolutely no explanation, communication, or collaboration. She stated "my hands are tied".

It is beyond me how a big company like this can even begin to believe that this sort of process is acceptable. It victimizes consumers. In my case, they are continuing to count me late for, and demanding payment for, a car note that is paid up to date and that is completely paid off. It is ridiculous. This sort of behavior, so far as I can see, really verges on criminal; if they don't get sued for this sort of stuff, it will absolutely shock and amaze me.

The Saga thus far:

- Santander debited a standard monthly payment (no past due amount) from me on 10/17 (the monthly due date)
- Santander cashed a payoff check from the dealer on 10/27 - payoff check exceeded the amount due on the vehicle
- AutoNation faxed proof of payoff to Santander (canceled check front and back plus federal transit numbers of thepayment) on October 29 AND November 8.
- State DMV released the vehicle title on November 1 - clean title (no lien holders)
- CitiBank (Lien Holder) sent me a notice of payoff and lien release dated November 2
- Santander insists I am (as of today) past due by 25 days

As I have said many times, it is impossible for me to be past due on a loan that I paid up to date at the last statement due date, and that the a national dealer chain paid off. Even if Santander somehow misplaced or miss-applied the payoff amount (and it is evident that they did), I would still not be past due. As it stands, I have both the title and payoff notice for a vehicle that this absolutely scurrilous company insists I owe and am past due on. The whole thing is beyond the pale absurd.

I'll continue to keep everyone posted.

ttupper

Irvine,
California,
USA

Update 11/11 and 11/12

#12Author of original report

Fri, November 12, 2010

Sorry I missed posting an update yesterday - consider this a two day update:

On 11/11 the AutoNation business office once again contacted Santander to get their status on what is going on with the more than $10, 000 they have paid them, and which has not been credited to my account. They received the same answer that Santander always provides: it's under review by our accounts dept.

I also called and spoke to an agent who at least was understanding and not rude - she informed me that there is absolutely no communication between their phone caller services (the people taking our calls) and their accounts dept. She indicated to me that they don't even have a phone number they can call in that department - they actually have to send every inquiry by email. She went further to indicate that supervisors don't even have a direct line they can call. The picture she painted is one where the accounts dept. is almost a citadel where the only thing that can go in is a request for review, and the only thing that comes out is the result of a review, and there is absolutely no explanation, communication, or collaboration. She stated "my hands are tied".

It is beyond me how a big company like this can even begin to believe that this sort of process is acceptable. It victimizes consumers. In my case, they are continuing to count me late for, and demanding payment for, a car note that is paid up to date and that is completely paid off. It is ridiculous. This sort of behavior, so far as I can see, really verges on criminal; if they don't get sued for this sort of stuff, it will absolutely shock and amaze me.

The Saga thus far:

- Santander debited a standard monthly payment (no past due amount) from me on 10/17 (the monthly due date)
- Santander cashed a payoff check from the dealer on 10/27 - payoff check exceeded the amount due on the vehicle
- AutoNation faxed proof of payoff to Santander (canceled check front and back plus federal transit numbers of the payment) on October 29 AND November 8.
- State DMV released the vehicle title on November 1 - clean title (no lien holders)
- CitiBank (Lien Holder) sent me a notice of payoff and lien release dated November 2
- Santander insists I am (as of today) past due by 25 days

As I have said many times, it is impossible for me to be past due on a loan that I paid up to date at the last statement due date, and that the a national dealer chain paid off. Even if Santander somehow misplaced or miss-applied the payoff amount (and it is evident that they did), I would still not be past due. As it stands, I have both the title and payoff notice for a vehicle that this absolutely scurrilous company insists I owe and am past due on. The whole thing is beyond the pale absurd.

I'll continue to keep everyone posted.

ttupper

Irvine,
California,
USA

UPDATE: 11/10/2010

#13Author of original report

Wed, November 10, 2010

UPDATE: 11/10/2010

Just wanted to continue to update this. I received a call this morning from the business unit of the dealership I traded my vehicle in to (an AutoNation dealer - a nationwide chain that is highly respected). They (the AutoNation business unit) contact Santander every morning to get the status of the situation, and were told this morning the same thing Santander tells them every morning: nothing has changed and it will be at least friday before anything is done.

Both the dealership and I have been contacting Santander, usually daily, about the issue. There have been dozens of phone contacts at this point, as well as faxed proof, etc. Still no action from Santander to resolve the issue.

The story thus far:

- Santander debited a standard monthly payment from me on 10/17
- Santander cashed the payoff check from the dealer on 10/27
- AutoNation faxed proof of payoff to Santander (canceled check front and back plus federal transit numbers of the payment) on October 29 AND November 8.
- State DMV released the title on November 1
- CitiBank (Lien Holder) sent me a notice of payoff and lien release dated November 2

As of today, Santander continues to insist the note is not paid off and also insists I am 24 days past due, even though I made a normal monthly payment on 10/17 (and no, there was no past due balance at the time), and even though the vehicle was certifiably paid off on 10/27.

Not sure where this is headed, but it better not include a 30 day late on my credit report.

I'll continue to update this daily in the hopes that it will help someone else deal with Santander, or at least will provide ammunition in the fight against this unbelievably customer-hostile company.

ttupper

Irvine,
California,
USA

The saga continues

#14Author of original report

Wed, November 10, 2010

Another call to Santander today, another (different) explanation for why they insist I am past due on a vehicle that is paid off. First, they continue to claim that they haven't been paid by the dealer, though they finally DO acknowledge receipt of the fax showing them the cashed check (front and back) - so I guess that's progress (of a sort). Second, they now acknowledge that they can't figure out why their system says I am past due. They acknowledge that last month I was not past due, and they acknowledge that last month I made my monthly payment on time - which should have been obvious because it is auto-debited and I have ample proof it was made. Yet, somehow in the space of a month, and having made the standard payment as required, I am now listed as both as past due AND as having made the monthly payment on time... on a note that is paid off.

The first time I called them about this state of affairs the explanation was that I was past due from sometime in 2007, which is clearly ridiculous (and also easily disproved, since I have my monthly statements from Citi and Santander). Then they insisted that the monthly payment I made was returned NSF. Then they 'recognized' that it actually was not returned NSF, and then they decided that the issue needed to be investigated by their mysterious accounts dept. So now I have two open investigations, one regarding why they think I owe them any money at all, and the other regarding why they think I am past due. Meanwhile, their system continues to add up the days they think I am past due on this paid off note, and its getting close to 30. If they report this to the CRB's and spoil my pristine payment history, i'm not sure what i'll do. Certainly it would be justifiable cause for me to pursue further action. The truth, though, is that I just want them to fix the mess, and then we can all go home and hang with our families and relax.

It's hard to imagine how a big company like this can be so incredibly messed up internally, but its like this for them all over the world. In the UK they were the number one most complained about bank. We'll see what happens.

ttupper

Irvine,
California,
USA

Even worse...

#15Author of original report

Tue, November 09, 2010

It gets better: after posting this report today I checked the mail and I received a letter from CitiBank stating that the loan is paid in full, AND I also received a statement from Santander stating that I am past due and owe them almost a thousand dollars. How crazy is that: I get both on the same day. Even more crazy is the fact that I pulled out my last statement from Santander, which specifically states that the past due balance is ZERO, and I compared it with THIS month's statement (received today). THIS statement BOTH indicates that the amount due on the last statement was paid AND indicates that there is a past due amount. Amazingly, I seem to be past due, according to them, by the exact amount that I paid them. So I have one statement from a month ago stating that I was not past due, and I have another statement fir this month indicating that I made the payment required last month, and that I am somehow now behind by one month. And of course, on a vehicle that is paid off.

Reports & Rebuttal

Complaint Review: Santander Consumer USA - Internet Internet

Santander Consumer USA Santander Failed to credit payoff claims account late , Internet

*Author of original report: Even worse...

*Author of original report: The saga continues

*Author of original report: UPDATE: 11/10/2010

*Author of original report: Update 11/11 and 11/12

*Author of original report: Update 11/11 and 11/12

*Author of original report: Update 11/13

*Author of original report: Update 11/14

*Consumer Comment: Keep going.

*Author of original report: Images

*Author of original report: Update 11/15

*Consumer Comment: Very Concerned

*Author of original report: update 11/16

*Author of original report: Update 11/16b

*Author of original report: Update 11/17

14 Updates & Rebuttals

Update 11/17

Update 11/16b

update 11/16

Very Concerned

Update 11/15

Keep going.

Images

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Update 11/14

Update 11/13

Update 11/11 and 11/12

Update 11/11 and 11/12

UPDATE: 11/10/2010

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