Santander is a national bank. They offer consumers financial services, such as banking, credit card services, capital markets, insurance and wealth management.
However, loans such as those arising out of credit cards can sometimes spiral out of control, causing payments to slide and debts to accrue, eventually leading to bad debts or missed payments.
What is harassment by Santander?
Overdue loan payments can quickly lead to bad debts that result in creditors calling their customers to make recoveries. While rightful recovery is not wrong, it is important that creditors watch their behavior when making these calls. Collections can quickly turn to harassment if certain practices are not left out by entities, including banks like Santander.
What is harassing behavior?
Look up some of the responses left on online forums by Santander customers:
“…I did that, however my parents began to get harassed daily with phone calls, 6 to 7 times a day, and so did I, I actually kept count of the amount of times per day they would call…” –Sheila
“…Car was repossessed 2+ years ago…now getting repeated harassing phone calls at work and at home all time of the night including Sunday nights after 8 p.m…” –Lois Jones
“…I get a call from them (at work nonetheless when I have repeatedly asked them not to call me at work) telling me I am overdue on payment. I spoke to a rep not 10 days before who said my account was paid up to date…” –AbbaGram
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates and limits actions of debt collectors working on behalf of another person or entity. The Telephone Consumer Protection Act (TCPA) also regulates debt collection attempts through the use of telephones. It also limits the use of automated equipment for the use of making calls for the purpose of debt collection.
As per FDCPA and TCPA, debt collectors must follow certain practices when collecting debts. These include:
- Identifying themselves when calling or contacting consumers
- Not making calls late at night and early morning unless previously agreed upon
- Not sharing details on the loan owed with persons other than the customer, including their friends, relatives or co-workers
- Not using automated calling equipment to make phone calls
There are other guidelines provided by the FDCPA and the TCPA. The FDCPA and the TCPA also have provisions for monetary compensation in the case of willful violations of these and the other guidelines.
Stop the harassment now and sue Santander if needed
If you are getting calls from the following numbers: 888-222-4227 or 877-898-8468, you are probably facing harassment from Santander Bank. Before you give in to trauma and intense worry, remember you can sue them if it is found to be illegal behavior.
Take immediate steps to curtail the harassment. Get in touch with a professional if needed, to guide you on how to sue them for harassment.
Why do you need a professional?
A number of reasons:
- Understanding the legal details of your case
- Figuring out whether the harassment is willful or not
- Gathering evidence and putting together a viable case
A professional can help you understand the requirements of your case and guide you to prepare better for it.
About Us
Legal Rights Advocates, PLLC is a law firm that specializes in helping clients stop the harassment from creditors, including Santander Bank, and sue them, if needed. Our team of attorneys , over the years, has helped countless clients get protections from debt collection practices that are deemed as unlawful and illegal under the TCPA and the FDCPA.
If you are interested in learning more about how to stop harassment faced from debt collectors or how to sue them for harassment, call us at (855) 254-7841 for immediate assistance.
(855) 254-7841
(855) 254-7841
