Vehicle loan or lease -- Struggling to pay your loan -- Complaint #17277234
Complaint Overview
Complaint ID: 17277234
Company: Santander Holdings USA, INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
State: New Jersey
ZIP Code: 077XX
Date Received: 2025-11-15T12:00:00-05:00
Date Sent to Company: 2025-11-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2024, I became ill from work injury, I notified the loan company Santander, they pushed XXXX. I was still out, I reported that XXXX still out of work with no source of income, offered a letter from both my employer and attorney, loan company declined. They threatened to take my car. I made some payments after borrowing money from my father. I then at XXXX point unable to make payments due to no source of income, workers comp was denied. I asked for the hardship program, was denied. I had issues logging into my account several times, which they were aware of. I told them when I enter my social security, it says no account found. They gave me a temporary password each time, but still was unable to access my account. They told me that I changed my password while on the phone with them, which I didn't. I asked them to escalate this to the XXXX Department, they said they would, but never did. I asked again for them to email, mail me an itemized bill of the payments I made, I received responses of " Ok, we will '', or " We can't ''. I told them, im not going to pay for something that until I have access to my personal account because of past Identity Theft problems. They contacted me several times a day for months. They threatened me by saying we have ways to track where your car is, no matter what, your car will be repossessed. I received letters for XXXX XXXX forgiveness, which im not in the military or never requested information. I asked them to find out who set this up, they never did. Ive asked again for a loan forgiveness or a payment arrangement, because XXXX still out of work and only receive Unemployment, any hardship programs, were denied.
Frequently Asked Questions
What is Complaint #17277234 about?
Complaint #17277234 was filed against Santander Holdings USA, INC. regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2025-11-15T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Santander Holdings USA, INC.?
Yes, visit the Santander Holdings USA, INC. company profile at readthecomplaint.com/company/santander-holdings-usa-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.