Nicole Matthews
545 Creek View Drive Kernersville NC
27284
December 8, 2010
TO: Santander Consumer USA, INC
8558 N Stemmons FRWY STE 1100-N
Dallas TX 75247
RE: Non- Favorable Response to Better Business Bureau
I will continue with my complaints and requesting an investigation with following agencies of your business practices consumer laws and the amount of interest charged
1. Attorney General of Texas
2. I investgate @cnn.com
3. FTC ( Federal Trade Commission)
4. National consumer laws and regulations
In response
1. I do not have a signed contract with Santander
2. Over 9 letters sent and as of this date you have not responded to my request. Please respond in writing due to complaints of harassment and intimidation
3. I want a formal review of the account that was transferred from HSBC, and the amount of interest that has been paid. The loan amount was for 13, 930.52 I have paid 19, 234
4. Resolve is interested review and title sent to me. The amount of 13, 9320.52 has been paid with interest.
5. No favorable response within five days I will add the local Texas news papers to my list of complaints, asking them to investigate.
My request is not unreasonable and I look forward to your response.
Thank you,
Nicole Matthews
FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
877-275-3342
(Monday - Friday 8:00 am to 8:00 pm EST)
703-812-1020 (Fax number)
&
Federal Trade Commission
&
State of Texas Office of the Attorney General
Consumer Protection Division
PO Box 12548
Austin, TX 78711-2548
October 10, 2010
Complaint submitted to the above listed
Regarding Santander Consumer USA PO Box 660633 Dallas TX 75266-0633
Well first HSBC sold my car loan, which was less than 1, 000 to Santander. The moment that I became unemployed, I submitted a letter to Santander asking for payment arrangements. Since August of 2010, I have submitted over 7 letters asking for assistance. I have sent in the payments that I could which has brought my balance down to about 500.00. I sent a negotiation letter on 9-19-and 10-5 to Santander asking that my balance be paid in full with a title release after review of total amount submitted on my car loan of 13, 930 is now 19, 170 and total mileage of 100, 123. My complaint is that Santander has not responded to any of my letters over 7 letters sent asking for assistance due to being unemployed and unable to receive unemployment benefits, yet they have continued to take whatever payment amounts I was able to send in and they continue to add on late and interest fees.
Resolution
First just a little common courtesy, and please respond to my letter I believe that I have done the right thing by notifying Santander of my need for assistance due to being unemployed and faced with financial challenges. They did not even respond to payment arrangement or an extension.
And I would like for them to review my account and, consider my last request of having balance paid in full and title released, as the total amount paid on my car loan of a 2004 Nissan is 19, 122 with mileage of 99, 200 I don't think my request is unreasonable and will certainly assist me during this time of increased financial challenges. Also I would like the amount of interests paid to be reviewed.
I do not have a valid home or work phone # and the best response is by e-mail at
[email protected]
The account number for them to reference is 9312647
I do give the FDIC permission to investigate and respond on my behalf
Sincerely,
Nicole Matthews
