Santander Consumer USA

I had my loan with Citifinancial until 9/2010 when Santander took over. I was stoked to be paying my car off Oct 2011 only to find out they have me owing $3606? I was devastated! I then get a statement stating my term date is now 12/20/11 when my contract and all other statements said Oct. 20, 2011. I requested a printout from them, went back through most all my bank statements from day 1. I found 3 payments missing and several hundreds of dollars of charges? I have faxed the bank statements, spoke to someone to verify the fax was received the next day, made a "safety payment" while they verified the info I sent to them, only to have a repossession guy knock on our door today. Santander had no notes of my conversation even though I took down names, times. I had to send all paperwork again and check back in 24 hrs to make sure they got it! Again?

am seeing a pattern that I can't seem to change! By the way, Santahder is not the legal lien holder on my registration and is not even listed as a company registered to be a lien holder according to DMV. Citifinancial is listed, but there is no notice of a successor, no phone number etc. This Satan company is sketchy at best, and doesn't seem to answer to anyone?

I have a car that was financed with HSBC auto finance they have since been bought out by this company. I filed bankruptcy in 2007 along with my husband and the car and an SUV were filed under the the case. In September of last year, the SUV was wrecked and totaled out and payed off by the insurance company. Leaving the car and some credit card bills the case was converted to a chapter 7 in December. So we called the company to find out what the balance was on the car after contacting them on 4 different occasions, I was told the balance was $5,000.00 and something dollars. My case was about to be closed this year and we paid our payments as scheduled. When I spoke to my attorney, this morning he said in his computer it is showing we owe a little over $400.00. When the case was filed in July of 2007, they filed the claim for $8485.20 and our employers were sending the payments in for us so we made our payments. I do not understand how this can even be legal for them to do this. It is like in seven years we have not made any payments towards this car .

I am currently going through a separation/divorce and have been unable to keep up with my payments. First, I tried to work with Santander to lower the payments, and they refused. So I had no other choice but to voluntarily surrender the car. I did. They took their time picking up the vehicle. In fact, I had to make a complaint to the BBB for them to do so. Next, they refused to give me a receipt for the car they removed. I still do not have proof that they in fact removed the vehicle. I am still looking for some resolution.

I called and spoke to a lady from customer service. I ask if my 2011 tax statement had been mailed. I was told no. I stated that by Federal Law, these forms were to be in the mail by January 31. I am now on the 6th of February, and waiting to do my taxes. I need this to finish them. I have everything I need, except this form. This company bought my loan from GEMB in April. I paid this off in June. It took me 6 weeks to get the title to my unit. They were sent a cashier's check, which was in their bank about 4 weeks drawing them interest, before closing out my loan. I was told by GEMB that they were to send me all the interest paid information, since they bought the loan. People need to know to stay away from this company.

I was very disappointed when my car loan was sold to Santander a couple of years ago. I have since paid it off, but keep getting phone calls and letters from them. I even got a letter today that was a supposed to refund for me overpaying, however, the letter is to a different person (same name, totally different address) and a check made to me. I called to verify if this was legit but can't seem to talk to an actual person. When I finally got to an actual person, they told me that I owed them more money. I have paid off my car, how can I owe more money? This company needs to be taken to court. I personally think they are scam artists.

Payment was received and verified by bank company, calls me repeatedly in my office, my phone and son's phone. Bank statements have been faxed but calls still persist.

I bought a new car by the end of November 2011. I was offered darker tinted windows on my new 2011 Toyota Corolla with a $1,000.00 cash back called 'Christmas money'. I made an appointment in December with the service dept on the 28th, at 8 AM. I went in for my tinting, and was told they are already done. Needless to say, I drove off with no additional tinting done.

I was told I will get overpayment from Santander. Mind you, this is Jan 30, and I am still waiting for the check from them. Today, I got passed on to the "president's office", with another story of more time needed, to locate the status of the check. What is the problem in this picture? I would so love my older car back, with no runaround, and pawn it off, as though I'm the problem, which at this point I'm sure I am. What is my recourse for resolution?

Santander Consumer USA will not work with me to help get my loan paid off. I am a totally disabled worker and is now on Social Security Disability benefits with a fixed monthly check. They will not work with me and give all sort of excuses as to why they can not help. I feel that they are discriminating against the disabled, by not working with them to resolve present financial situations. I have only 6 months left on the loan, however, I am now November, December 2011 behind and January 2012 is now due.

I am worried that my 2002 Jeep will get taken which will leave me without any way to get to all of my doctors' appointments and other places I am required to go to. I have tried to work with them since I became disabled back in January 2011 and have used all of the money given to me to either repair the vehicle or make the payments current. I have nothing left.

These people today alone 1/30/2012, 6 times under 6 different numbers. Along with 30 phone calls to my apartment under new call/unknown in the past two weeks alone. If I don't respond, they call my family and are totally rude and demanding that I call them immediately. I am so stressed that it has affected my disability to the point of making it extremely worse. Please help anyone whether legally or personally with an answer.

I have a 2003 F350 truck. The loan was transferred to Santander a few years back. The loan matured on 11/25/2011. I went online to view my balance, and it was $2,600 over what I owed for the last payment. Subsequently, I lost my job. I immediately called them and asked for a breakdown of the extra charges they say I owe. They refused. I mailed 3 letters, 1 via email, one via regular mail, and one via certified mail, and got no response. I told them that I cannot pay over $3,500 that they say is due all at once at the end of November.

I had filed for unemployment, but it would not be paid to me until the end of January. They informed me that I could continue to pay the regular payments, until the loan was paid in full. I only owe $600, not $3,400, as they say. They will not give me any reasons for the extra money on my account. They call my home 6 times a day, even though I have contacted them 4 different times, and they have agreed to allow me to pay the payment at the end of January (which I have sent to them). I am afraid they will try and repossess my truck, even though I am doing everything they say to do. Do I need to get an attorney? I wrote on my check that by cashing it, they agreed to the terms set forth in a letter I attached to the check, which outlined what I have been told.

Also, I was divorced 4 years ago, and they call my home, asking for my ex-husband, even though I have sent them divorce papers, etc. What are my rights? These people are unreal. If they take my truck, I will never get another job without transportation. Now they are harassing me at my home, with the wrong name, and I am remarried. My husband is not pleased that they are continually call, asking for my ex-husband. I have told them 10 times, they have my name wrong, yet they still call. They do take my checks with my correct name.

I had a pickup financed with this company. When I chose to sell it and pay off the loan, they refused to send my lien release due to the fact that my bank had sent the payoff as of January 20th. They added finance charges through February 2nd and would not remove them as a balance owed from my account. Their response was it would be reimbursed 45 days later! They were paid in full through January 20th. Why do they get to keep my money for 45 days? Maybe to draw interest from it?

This company is a consumer predator. I put three notes at the end of my contract. The company wanted me to sign a loan modification agreement. I ask them where the additional charges came from. They told me that those notes accumulated daily interest in the amount of $5, 517.00. After talking to them trying to get an understanding, I was told that if I refused the agreement, they are still the lien holder. When I received a copy of my credit report, they had my car as a write off even though they continued to receive my money until Dec. 2011. They repossessed my car. This company needs to be out of business. How are they able to have all these complaints and still be in business?

Well, I'm in the process of taking them to court because I purchased a 13000 truck and put down 5000. When I went to buy it out, they're saying I owe another 15000. WTH. There is no way I owe that much money. I've already put in about 12000 plus the 5000. Now let me say I have been late with my payments since I was laid off in 2010. I've been trying to catch up since. I still would like the judge to see this and if i can get others involved and we work together, we might just win. I know someone who took their bank to court because of the similar situation and she won and the bank had to pay her some money. So it wouldn't hurt to do the same.

For people like me who had their identity stolen and have bad credit cause of it banks look for those they can rip off. I'm not having it. If you're interested and you want to take part of this you can email me at ** @yahoo.com with your contact number. I've been doing some research on santander and they don't have good reviews and they're not accredited by the BBB. As a matter of fact, you should file a complaint against them. They already have 3700 complaints. There is got to be a law against over charging financing. I'm definitely looking into it.

In the course of my wife's truck loan, somehow Santander picked up the note, not the original lender, so they somehow lost a payment and said they never got it. Our records say otherwise, they charge outrageous fees and late charges. Talking to them gets you all the runaround for hours at least 6 people and no one can help you straighten out this problem they have created.

They will not understand that payroll goes in the bank biweekly. For direct draw, they take it whenever they feel like sometimes late and sometimes early knowing full well that the funds of the payee only go in on the 15th and the 30th to say they have not received funds. Statements from the bank show otherwise and try to do so again is stealing.

This company is violating every right a consumer may have. They call my home over 100 times even after 8 pm and they call my friends, my family, and my job. The more I pay, the more it increases; I never see a decrease in the loan. I hate this company, and they deserve to be sued to let them know you cannot treat your customers as animals. They have threatened to take my vehicle if I do not pay the amount they are asking for and their fees are outrageous. You cannot afford to be late on a payment.

They repossessed my car on Jan 5, 2011 and they didn't have a right to. It was formerly Citi financial loan and Citi had a lien on it, not this company. They are just collecting a debt for them I paid and paid on this car but the loan would never drop down any. I receive a letter after they repossessed it saying they were going to sell it and I was responsible for any amount left owed. They even wanted us to still pay payments after they repossessed the car. They are not a BBB credited company and should not be allowed to stay in business with the consumer complaints against them. I would rate them nothing with the experience I had with them.

I received a letter that my Citifinancial auto loan was sold off to Santader. At first, there was no issue. Once I lost my job and wasn't working for two months, I had issues. Santander had me believe they would repossess my car unless I sent them a lump sum of $800. They told me to borrow or do something to get the money. They also stated that once I paid them, they would work with because it sounded like an affordability issue. They did not work with me and have been incredibly harassing me. They call my place of work, which I have asked them to stop on numerous occasions.

I am paying large payments and still never have my account payments caught up. Today, I had a person call pretending to be from another company calling to get corporate HR information and attempted to get more information. He would not state why he was calling but wanted to confirm information about me. My friends and family have also been getting harassing calls from them. I would rate them 0.

The dealership misled me to believe I could get refinance through this company. They lied too. The car was new. Then I was matched up with Santander Consumer USA (the devil's child). Constant calls and lies; harassment and calls. Even when you agree to make a payment or if you paid 2/3 thirds payment, they tell you did not pay anything that month or you speak with 10 different representatives in one month about the same thing over and over even when you made a payment. Then they play nice and say they will assist you with your account so your payments can be lowered. They are 100% liars. My credit has been destroyed because of Santander USA. I hate the fact that I ever let the dealer put me with them. They say they will not repo your car but I know they will I can feel. Santander misled me to believe they were a finance company but they are predatory lenders.

Predatory lenders--describes unfair, deceptive, or fraudulent practices of some lenders during the loan origination process. While there are no legal definitions in the United States for predatory lending, an audit report on predatory lending from the office of inspector general of the FDIC broadly defines predatory lending as imposing unfair and abusive loan terms on borrowers.' Though there are laws against many of the specific practices commonly identified as predatory, various federal agencies use the term as a catch-all term for many specific illegal activities in the loan industry. Predatory lending should not to be confused with predatory mortgage servicing which is used to describe the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.

Predatory lending typically occurs on loans backed by some kind of collateral, such as a car or house, so that if the borrower defaults on the loan, the lender can repossess or foreclose and profit by selling the repossessed or foreclosed property. Lenders may be accused of tricking a borrower into believing that an interest rate is lower than it actually is, or that the borrower's ability to pay is greater than it actually is. The lender, or others as agents of the lender, may well profit from repossession or foreclosure upon the collateral.

Santander Consumer: remember to do evil to your fellow humans beings is unkind, and God doesn't like ugly.

I have been going back and forth with them over my car payments for the last two years. I was told in December 2010 that if I made two payments, then they would bring my interest rate down from 18% to 14%. Of course, no one knew the person who told me that. It is always, 'this is a different department and we don't know that person you are talking about.' My 87-year-old grandmother had to change her number because they called and harnessed her so much, not just her but a couple of my friends. My car was repossessed and I'm still getting the run around about how much money I owe them after I got it back. Something needs to be done about these lying people sitting in those offices.

I purchased a 2004 Pontiac Montana and got financing from Drive Financial. Then it was sold to Santander. I've been out of work, lost my husband and recently, had an accident and they could care less. As it turns out, they charge me more even with their so-called special deals and deferred payments. They charge erroneous fees and they are constantly calling my friends and family. I am paying $417 per month for a beat up vehicle and being harassed about it. I am joining the class action suit with Sokolove law firm against them. Everyone else should do the same.

Can I give them zero stars? My vehicle lien was originally with Sovereign, and then was taken over by Santander Consumer. I paid on-time every month, and even paid off my vehicle early; however, Santander still (as of 1/4/12) has not released my lien in the state I currently live in. They released the lien only in my previous home state, and despite phone calls every couple of weeks for months, they have not released it here.

I even called the DMV and got a phone number for the Lien-Release Help Desk and gave it to them. Still nothing. Do you think these people (referring to the 8 or 9 different representatives I've talked to at Santander) care? No, of course not. They got their money. I am now stuck with a vehicle that I paid in full over a year ago and cannot sell, trade or even dispose of it because they won't release my lien to allow me to have my title. What's worse is that my vehicle now has over 200,000 miles and is becoming unreliable.

Santander Consumer USA; I cannot believe all these negative comments. If I had researched them, I would never have gone to them. I am now getting a contract through them to review my account. I make my payments every month. They are rude and don't know how to explain how my car was $13,000.00. Then online, it doesn't tell me the amount with interest ($28.000.00) now how is that plus $5.68 per day between payments? Isn't that double interest? It's like paying the car three times off.

Even when I make extra on the payments, it somehow gets eaten up with some sort of fees they charge for random stuff. I tried finding out how to pay on the car without interest, but they didn't know how, and the ones that did answer, their answers were all different. For 3 years now I've had this car and $325.00 a month, this $13,000 car is still only down to $9,000 something? When I get the statement in the mail, I will be talking to a lawyer about the interest. These people are crooks and they need to go down.

Santander is unbelievable! After reading all the complaints against Santander, my mouth flew open. Wow! I called Santander on 12 December to see about a deferred payment because I was in a car accident back in May 2011and had been scrambling like crazy to pay all my bills, including my truck payment (I didn't think about gifts for Christmas, food and nothing else. I was already depressed because of this). The CSR told me to call back in a week closest to my due date which is 24 December 2011, so I did that. I called them on 22 December 2011. The guy came on and I asked for a deferred payment. He told me I could do a one month or two deferred payment.

I said, well, to be on the safe side, I want a 2-month deferred payment and if I only need 1 month, I will make my payment the following month as scheduled. Then we had to do a recording stating why I needed this deferred payment. I explained my heart out. I felt like I was on trial with all these questions. (I have never been late on my truck payment) never been late! Then I had to give a friend's name for them to call to see what type of person I am. (Didn't they do that before I was approved for the truck loan?) I asked why. He said to get a character inquiry about me. Wow! I said darn.

Well, to wrap this up, I called today 26 December 2011 to see if I was approved for my deferred payment. Nope! Can you believe that? But I was told that I could make a minimum payment. What part of I don't have any money right now they didn't get? I wanted to know why not and if I could speak to upper management to the person who made this decision? Nope! I'm so upset right now. These people just want their money and they don't care how you get it. I want to give them this vehicle and tell them to shove it! They are not compassionate to your struggles or unfortunate circumstances. Shame on you, Santander! To everyone, run; do not let Santander finance you!

My original loan was with Citi and I began in December 2007. One day, long ago, calls began to come into my job-automated messages I left on my voicemail at work. My co-workers received calls but they would lie about who they were. My friend from church received a call from Santander, USA. My last work assignment to this day receives calls from Santander, USA. The killer to all this is from day one, I set up my payments every 2 weeks. The payment is $570.00. I actually pay $300.00 every two weeks. After they receive the first payment from my bank or as I have learned the moment it hits their queue, the nightmare begins.

For the last 2 years, I have been traumatized by Santander, USA. I requested payoff information a month ago and I was told it was $18,000. The original price was 21.5 thousand so how do you pay $600.00 per month with 2 deferments in the last 2 years and still owe the principal. They are rude, dogmatic and they will bully, if allowed. I have just joined a class action lawsuit and I am glad to be an American. We, the people, will not allow these gangsters in business suits to terrorize us. We can speak up and speak loudly, in the name of Jesus, they will not get another dime from me. They are straight educated thugs, not the CSRs, its bank and company. On the real, not only that it must be working, Santander finally has got the message. Keep screaming guys until we are heard.

Since they took over my loan from CitiFinancial without my consent, it has been hell on earth. I paid my loan off on October 4, 2011. They refuse to give me my title saying I owe them $2330.00 in interest but they refused to show proof of how they came to these charges. They call me about 15 to 20 times a day and wanted to give me a loan modification and a charge of 9.5% interest on top of penalties they say I owe but they won't show proof of. I sent a cease and desist letter which these idiots received on December 6, 2011 per the return receipt but continue to violate the letter. Please if anyone is interested in going after them with all the legal grounds we consumers have, please contact me because I want to be there when they are put out of business. They are a horrible company.

I have a 2004 Nissan Altima. My original loan holder was Citi Financial. I have always paid my car payment of $526.00 on time. Well, I can say within the month that it is due. My payments are due on the 9th of every month. Citi Financial always worked it out with me because I am a nurse and only get paid once a month from my employer. I have never made a payment past 30 days. Santander's website never works to do payments. So I always have to mail or due Western Union Speed Pay. Santander posts the account but still has reported to my credit report that I was 30 days late 3 times in one yearnot true. I purchased the car in 2007 with Citi Financial and have never been over 30 days. Also my uncle co-signed for the loan. If I am 3 days late Santander calls me 15-20 times a day none stop. Then they call my uncle in another state at his place of employment, which causes family conflict like I'm not paying my bill.

I can even post a payment with Western Union and get a confirmation number and they ** still call me, asking for the next month's bill. I also pay on Buick Ranier with another lending company, Consumer Portfolio. I have no problems, never. They reassigned my due date I have never been late. As a matter of fact they have an auto pull on my account to assure my payment with Santander USA. This company has no respect for the clients and shows no trust to the clients. Everyone needs paid.

I understand that, but ** it's a little easier to get up off the money when you don't have to live by threats each and every month. They even try calling from other state phone numbershow creepy is that? Please, I'm speaking for all the people who are having the same problems that I have with Santander. Can't new collection guidelines be put in place for the people who really do pay their bills and stop making us feel like we are not responsible? Help! This caused embarrassment, frustration, and family conflicts about payment on time.

Santander bought my AR from Beneficial. This was after the economic crisis began. I lost my work during this time and had to deal with them when payments became late. They would start calling me as soon as my payment was past due, within hours of their system showing past due. One CSR was so rude that I pretty much told him off and told him not to call me again. He called me every 15 minutes for hours! Their reps are also notorious for starting their calls at 7 am and lasting until 11 pm. They have even called my family members when I refuse to answer their incessant phone calls! I recently had the good fortune to get my car payments caught up and wanted to pay off the loan completely to be done with these leeches.

They quoted me an amount that is exactly my car payment times the number of months owed. They are not deducting the interest although this is a simple interest loan. I have questioned this and get the response "we are taking the interest off". So I have been setting them up since. I am making my car payment two to three weeks early so that I can show in my account that this actually reduces my next car payment. Now I want to go in for the kill and hire an attorney and/or report them to the Feds who control that industry. These guys are a sham and should not be allowed to do business in the US!

This is another negative for Santander. On Friday I paid off my Wrangler via urgent Western Union. On Sunday morning, the tow truck was in my drive trying to repossess my Jeep. I had my receipt in hand, but apparently the repo company's order trumped my receipt. The driver was nice enough to wait for me to get a phone call in to Santander before leaving with my paid off vehicle. I called customer service. I told them the situation and handed the phone to the tow driver and let him fight these **. Santander told me that the Jeep was off the list and congratulations for being paid off in full on Saturday. And they said that they would send me a refund check as I overpaid a couple of bucks.

Now the tow driver left but told me that there are other companies watching for my Jeep and they would probably try again to repo it if Santander doesn't send the orders to cancel. I thought I was done dealing with these people. And even after paying off the bogus amount they say was due, they still haunt me. Never, ever would I deal with these people again. I suggest that no one does. I will continue to fight them until I feel things are resolved to my satisfaction. But it's not easy without legal help.

We recently filed chapter 7 and surrendered our 2006 Chevy. We only owed around 5000 dollars but with all the miles, we were advised to give it up and not take a chance on it. We had a court order to surrender this vehicle and was told that they would contact us when and where to do so. That way, we could be ready and make sure everything was out of it. They said that since it was a court ordered surrender that this is how they handled it. That they did not treat this as a repo where they come anytime in the middle of the night etc. Well, to make a long story short, they came in the wee hours on the morning, moved two cars out of the way, with a tow truck, drove through the yard and took the vehicle that was unlocked with the keys in it, of course loaded with a bunch of our personal things.

Now we don't know who? Can't get a answer from them to go get out things. I still have some of the rear seats on my back porch that they walked around to get to the car. Now we our trying to get another car, and the car loan that we paid on for the last six, almost seven years at $385.00 plus $10.50 just to make a payment per month. Well, Santander wiped out any record of the loan from the credit bureau. So we can't get a loan because they erased any payment history. We had that dropped the credit score to zero. Every car dealer said that they have never seen or heard of this happening. Has any one else? Can they do this? What can we do? You know with that extra charge they added on just to make a payment the car would have been paid off. We paid over $20,000.00 and have nothing to show for it. Thanks Santander. We need a class action law suit. Thanks.

These people are absolutely ridiculous. I originally financed my car with Drive Financial and Santander apparently bought them out (not giving me any options to switch the loan to another company). Their customer service reps are rude, uncaring, unresponsive, etc. And that's if you can get to one since their automated system is next to impossible to navigate. There are fees assessed that there are no rhyme or reason for and when you ask about them, you get a song and dance.

They call at all hours of the day from 87 different phone numbers if you are even an hour late making the payment. I am currently behind on the loan and tried to make the complete payment today and their credit card processing, both on the web and when you call, are down, so I chatted with two different people through their live chat and one rep over the phone that were of no help whatsoever. These people shouldn't be allowed to take care of pet rocks let alone people's loans. Stay away from Santander Consumer! Does anyone know of a class action suit against them in NY? If so, I would like to join!

I financed my 2007 Ford truck with Citi Financial in 2008. In 2011 my loan was bought by Santander. I am two months behind on my loan due to financial hardship. I am being called all day everyday at least 15 to 20 times a day. They have added on unexplained fees and since January I. have paid on time until October and my balance has not gone down. Most of the payments are being applied to the interest and not the principle of the loan. Can anyone help with this?

I had a car loan through CitiFinancial. Next thing I knew, this company called Santander started to call me threatening they were going to take my vehicle. I was confused. I told them I talked to CitiFinancial last week and they gave me a deferment. This company told me that they don't honor CitiFinancial's deferments and that I owe them over $1000.00 by tomorrow or they would take my vehicle! Next thing I knew I was to call this number and pay it off with my credit card. I went to the bank to deposit my payroll check, and when I was gone from work, this guy showed up and told my employer that he was there to pick up my vehicle.

So, of course I immediately called the number they gave me, sent the money from my credit card, and I asked if they could email me or fax me a receipt. They told me no! The next day I called to check out my balance on my loan (they at least gave me a number to do that). I found out the $1000.00 I gave them was never recorded and there was an additional $5000.00 on my balance! So guess what! Yes, I didn't make my next payment until someone could explain to me what was going on. I got a call and they told me I had a warrant out for my arrest! I haven't even received anything even stating that fact, let alone any monthly statements from this company about my loan.

In the beginning of October 2011, I requested a 2-month deferment on my auto loan payments due to some financial problems. I was denied for insufficient reason and that it was a business decision. I persisted. Eventually, on October 19, 2011, I talked to someone who advised me I could apply for T.R.I.P. I requested the paperwork and was told it would be emailed. Since that time, I have been regularly requesting the documents be emailed and/or faxed to me. I was informed that the documents could not be mailed to me through the regular post office mail.

I spoke to Linda ** on October 28 and was assured the documents had been emailed but they would be resent. At that time, Ms. Linda ** advised me that the T.R.I.P. request had been approved and the first payment of $361.06 was due on November 1, 2011. I sent the payment as instructed and awaited the arrival of the paperwork, which never came either to my inbox, spam folder or fax machine. I went to the online chat and requested the documents again and was assured they would be re-sent.

I sent the December payment of $361.06 as Ms. Linda ** had instructed me in October. Still no paperwork in my inbox, spam folder or fax. Again, I called and spoke to Cedric ** who gave me his direct line and assured me he would personally follow the process to make sure the documents were emailed to me. I still don't have the paperwork.

On November 30, 2011, I sent a message to customer service requesting the paperwork again. On December 2, 2011, I received an email from Carlos ** advising me that the documents had been re-sent by email. Still no paperwork in my inbox, spam folder or fax.

I still don't have those documents. I am paying as instructed by Linda **, yet my account shows that my payments are late and you continue to charge me late fees.

I had CitiFinancial and they sold my account to Santander approximately 2 years ago. I have since received my registration for the last 2 years which still lists CitiFinancial as the lien holder. I spoke to CA DMV today and I was informed that Santander is not listed as the lien holder nor is it listed as one of the thousands of financial institutions on the DMV's list of lien holders. I was told that my last lien holder on my car was 9/2008 CitiFinancial. I was told that by law Santander was required to report that they were my lien holder within 10 business days of taking over the lien from Citi. I will be filing formal complaints with DMV, Consumer Affairs, Better Business Bureau, and State Attorney's Office of CA. At the end of my loan, how can they then issue me title when they do not have the title?

This finance company, if that's what you would even call them, don't even deserve the 1 star but there was no option to not give them any stars! We originally had our vehicle loan financed with Drive Financial until they sold out to Santander. God forbid that your payment is not made on or before the due date because they will start calling the day the payment is due and they call repeatedly from different numbers starting at 7:00 am and sometimes continuing until 11:00 pm - 12:00 am. My husband works third shift and sleeps during the day and he, unfortunately, has to turn his ringer off or his phone off because of them calling repeatedly all day. This is inconvenient and hard for us at this time being we just relocated from TN to VA after the major tire company my husband worked for in western TN closed and we had to transfer with his job to VA.

As if the plant closing and job transfer wasn't stressful enough especially with the financial difficulty of it all, I called Santander to explain the situation as if they could care less. We had only been late before on a couple payments. This was the first time we had to have them defer a payment. But even after we thought we had them work out the situation with our car payment and they told us we were good until the following month, they still continued calling us on a daily basis repeatedly. My husband would put their number(s) on his call reject list and they would just call from different numbers.

If you are one day late, they start calling your phone two or three times a day. They use several calling services to call and many times, they do not leave a message. I go online and schedule my payments and it does not stop the calls.

I admit that I have been late with some of my payments due to my husband being out of work but I made sure to contact them to let them know the situation, with no help from them at all. I have managed to get my payments in, however. If payment is not in their hands on the due date, the calls start immediately on the day that the payment was due. On average, I receive approximately 25 calls from them a day and even though I talk to them on the call, they continue to call as if no notes were taken when I originally spoke to an agent. It's very frustrating and I can't wait to either get rid of my truck so that I don't have to deal with them any longer.

I was called 25 times in one day after my payment was due. I told the lady that the day it was due I mailed it. She told me that I can make the payment online or on the phone but there was a fee to do so. I told her I had done mailing my payment several times. I then was told that I could lose it just being one day late. I told her that there was a ten-day grace period and she told me they don't have to go buy that and to pay or be repossessed. I told her that was not the way things work and I was informed to buy her, I need to pay or else, I told her that I did again. She said she knows. I also told her not to call and tell that it was ten days late. They continued to call several times a day.

Santander USA Bank has been the absolute worst bank I have ever been involved with. Ever since 2008 or 2009 when they bought my auto loan from Sovereign Bank, they have been utterly ridiculous in their customer service. I have never had any issues with my auto finance companies in the past. And when my loan came to them, my account was in great standing. I never missed a payment and always paid more than my balance due. Just recently in December of 2010, I had some financial hardships and on a few occasions reached out to them for payment assistance. Each time, they would turn me down without even considering making arrangements to assist me.

I had been late on sending in a payment a couple of times and they treated me like a criminal because of it. The late fees that I have incurred since that month have been insane. They will not work with me under any circumstances and not only that; from falling behind 1 month, I received harassing automated phone calls. And still to this day, they call no less than 15 times each day. Even on the weekends and late at night, I'm getting calls from them. On top of the ridiculous customer "no service", in order to make a payment online or via phone, the fee is $10.00. That's outrageous! I am a great consumer and I have never had an issue with any other company. Once I read the article on msn.com, I realized that I am not the only consumer receiving this type of treatment. I should have filed a complaint against Santander 2 years ago. I have a record of every call they have made to my cell phone and to my place of work. I am willing to take part in any action against them.

My original loan was purchased by Santander. Admittedly, I have had issues that have caused my payments to be late and at one point, I had to defer payments due to my mother's poor health and expenses caring for her.

I purchased a 2004 Hemi Dodge Ram 1500 4x4 Quad Cab a few years ago. It was financed through CitiFinancial which ended up being sold to Santander shortly after. Ever since then, I have experienced nothing but pure hell from this company from their customer service, their "unethical" business tactics, and flat out lying about my account and my payments. The last straw for me was on November 30, 2011 when I received a call from one of their associates. I was told that I could make an interest payment of $369.00 plus a "service fee" of $10.95 and it would bring my account up to date. I made it very clear that they could pull it out of my account no earlier than December 2nd or the 3rd. She said that's what they would do.

What they did was pull it out immediately causing me an NSF fund. I called immediately and was told that they would refund my $35.00 NSF fee if I faxed them proof that it was charged to me, which I did. I was told I would have that refund within 24 hours after doing so. It's been almost a week now. When I called, I was told a supervisor would call me back which never happened! If you're late just one day, they will call you all day long and I mean all day every day! I inquired about my payments and I learned that they somehow have managed to tack on eight, eight deferred payments which never happened! So instead of being done with my payments after my next 15 payments, they tell me I will still owe another $7,000.00 plus!

This company is a pure scam. I would like to know why the Consumer Affairs office hasn't done anything about it. Is this just a forum for all of us to post and vent our frustrations, or is the Consumer Affairs going to do something about Santander and their practices of ripping off the American consumer? There are more than enough complaints here alone to justify a class action lawsuit against this company. Come on CA, do something please!

I bought a 2000 Mercury Cougar in December 2005 for my daughter. I financed the loan through Citi-Financial for 60 months. Payments were set up for auto draft from my bank and were never late. In January 2007, Citi-Financial sold the loan to Santander Consumer USA and I made arrangements with them for the same payment method. According to my payment history on their website, the February 2007 payment was 8 days late and a fee of $9.19 was assessed. How can I be assessed a late fee for a payment that was automatically drafted from my bank account?

The remaining payments were credited properly until I changed banks in March of 2011. Upon changing my bank account information, Santander drafted not one but two payments for the month of March 2011. When I contacted their "customer service" department I was told they could not correct "their mistake" and would not attempt to. As best as I could understand the broken English spoken by the "representative," I asked if the April 2011 payment would still be automatically drafted from my bank account on April 1st 2011 and was told that it would be unless I canceled the auto draft which could only be done on their on line account website.

I promptly canceled the auto draft and did not make a payment in April 2011 because it had been made in March. From March through December 2011, I either mailed the payment or paid the outrageous fee of $10.95 to make the payment through their online website. The May through October payments were late but never over 15 days late. I made payment number 60 on December 1, 2011. Their records indicate I have a balance of $281.38 for interest accrued at $0.11 per day the account is late. Now math was not my strong point but if my payment was 15 days late for 6 months, that would be 90 days at $0.11 per day would be $9.90 and not $281.38. I'm not sure what mathematical equations their using. This car should be paid in full as agreed and my title should be on the way to me. Instead, I'm being defrauded by an evidently unregulated and fraudulent company.

If I could, I would give this company a negative 100. We financed a car in May 2005 and Santander bought our loan from HSBC around 2007/2008. We had always made our car payment on time, but when Santander took over, we stopped getting statements, but we continued to make payments by phone because we didn't want to have bad credit.

When we finally got a statement six months (& 6 car payments) later, our balance was higher than it was on the last HSBC statement. I called and I was told it was for late charges and for using the phone to make payments. I explained I hadn't received a statement for months and I didn't have a mailing address and the response was a polite "that's your problem". I asked them to send me a detailed listing of the charges and debits on our account. I still have not received it and this was 3 years ago. We also did not receive a monthly statement. We would get once every once in a while.

We continued to make payments, but when I received a statement at the end of our contract showing a $3,000 balance, I called and asked what it was for and I requested a breakdown. I did not receive it. Instead, our car was repossessed to our shock.

When we called, they said that it was because there was an unpaid balance at the end of the loan and that we couldn't get the car back without paying it. So, we paid it since it is the only car we have. Also, the repossession company delayed releasing the car to us. Something really needs to be done about this. I still have not been given a breakdown of our charges even though I have requested it on a monthly basis since 2008.

Since taking over this auto loan account from Citibank, the service has plummeted! My bill is due on the 13th of each month, but my statement is never received before the 7th, affording me less than a week to plan the payment. They offer online payment, but only for a fee. They are apparently exempt from all the rules of the new Card Act, since they are secured term loan makers rather than credit card issuers. All of their rules and practices appear to be formulated to try to increase late fees on borrowers, and maximize interest, since it is simple-interest based.

I would normally pay my bill early and save substantial amounts of interest over the life of the loan but cannot, due to their billing practices. I wish someone would take this up as a class action, because I'm sure they're doing this to every one of hundreds of thousands of accounts they bought. Everyone: if you can avoid using Santander Consumer Financial to finance your next auto (or anything else), you would be wise to do so.

I have a vehicle that was with CitiFinancial. Santander took over the account in which the vehicle was entered in bankruptcy and cleared with a 0 balance. It has been written off as unsalvageable and I have been told that they do not have interest in the vehicle or retaining any monetary funds for the vehicle, but they still will not release the lien off the vehicle.

In 2005 I bought my car and was financed by CitiBank who in turn 2 years later sold my loan to Santandar.

On 10/17/11, I lost my job on 10/18/11. I contacted Santandar to advise them I had lost my job and that my November payment maybe late. I was advised that I would have to call back in November. I called back early in November to let them know my November payment would be late and was advised I had to call back again after the due date of 11/22. On 11/23 I attempted to call Santandar and could not get through to anyone just kept being routed to the Bankruptcy Department which was closed (I was calling after 5:00 pm CT).

This went on everyday until 11/30/11 when I decided to call at 7:00 am. I explained to the Customer Service Rep Adrian that I was not able to make my payment and explained I had lost my job and recently found another at a considerably less amount of pay. I requested to have my loan refinanced so that the payments would be lower. (I have been paying $310.85 a month an now have a balance of around $8,000 left due on the car). Adrian explained that Santandar does not refinance loans and since I had already had 2 deferrals and a 6 month modification lowering my payment for the 6 month period in the past 4 years, there was nothing he could do to help me.

I asked Adrian why I was unable to get a customer service representative after 5:00 pm CT on the phone even after I had emailed the Customer Service Department for hours and lodged a complaint with the OOP. I was then advised by Adrian since I had a Cease and Desist order on the account (because I received over 40 calls in one day while being reviewed for a modification on my loan) that I was not allowed to be connected to anyone after 5:00 pm.

I explained to Adrian that at no time was I ever late on a payment without first notifying Santandar and when I did notify them they were quick to defer the payment. Now, they don't want to help me at all. I asked for Supervisor and was told there wasn't one. I laughed and said let's try this again. I have worked in call centers for over 8 years including in collections and I knew there was a Supervisor I could talk to and that I wasn't hanging up until I spoke to a Supervisor. Adrian asked me to hold and a Supervisor Glenna ** came on the line. I explained the situation to Ms. Glenna and was advised there was nothing Santandar could do since it would "hurt me by helping me".

This made no sense to me whatsoever. I asked how can helping me hurt me? Ms. Glenna advised that I had been helped enough and by helping me again would not allow me to pay off the loan. I said, so repossessing the car will help me out and get your loan paid? She said yes and what you don't pay will be garnished from your wages. I said well good luck with that since I live in the state of Texas and Texas laws states garnishment is not permitted by any agency other than the IRS for taxes or by someone attempting to gain Child Support of which Santandar is neither. Ms. Glenna became very quiet. I again asked for assistance and was refused in a rude and curt manner.

I asked when the car was going to be repossessed and was unable to obtain a date. I stated the call was pointless and hung up.

I do not have the money for an attorney and would love to know if there is anyone involved in a class action law suit against Santandar that has the attorney's contact information. If so, please let me know.

Also, this company does not deserve a one star. It deserves zero stars. They are crooks!

They're only getting a 1 because it wouldn't let me make any negatives. Santander is the worst car loan place ever. I had great service with CitiFinancial and they worked with me on my payments and had great customer service. Then it was sold to Santander and have had the worst service ever. They call non-stop multiple times every day, including Sundays from 7:30am-8:30pm from many different numbers. When they call, they hang up after 1 ring and they do not work with me on payments or want to hear why I'm having a difficult time making my payments. They keep adding more 'charges' to my account, which I think are bogus. They start calling if they don't receive my payment by 5pm on the day it's due. They are rude and don't care about anything except getting their money. I am very angry and upset with Santander. I will never ever recommend this company to anyone!

We did a modification of our auto loan in August 2010 which was offered to us by Santander. Since the balance on the loan never seems to go down, I got out the modification paperwork and we went down to 9.99% interest, (from 12.69%), so I thought I would call and see if they could drop it down to 7% like our local bank was offering. (We cannot refinance locally because the vehicle is worth only half of what we owe, thanks Ford). The operator said the interest is 12.69% and they see nothing about a modification, after getting disconnected and calling back, this operator found the modification but said it was only to lower the payment. So I had to fax them the documents we signed and wait 3 days and call them back. Is there any way to figure how much interest they have overcharged us? Is there a lawsuit ongoing that relates to this situation? I will post again after I call them tomorrow.

When I first got my truck the loan was with Citi, two weeks later, I was notified that Drive ** was who had my loan. They will start calling me if my payment is a week late. They call my workplace and are very rude to the people who answer phones there. I have discussed my payments with them and 2 to 4 hours later, someone else will call me. This is never ending, I have received calls on Sunday as well. I have asked them to stop calling my work place as it is starting to cause me problems and now they only call me on my work cell phone.

I am sick of this. I was pushed into this loan to start with, due to auto sales tactics. It does me no good to speak to management or the company about this. Also, I have paid in the last three years and what they say it still adds up to much more then the original loan amount. I was told that I could refinance this loan after making payments on time for 18 months. Now I am being told they don't even offer refinancing. I am ready to do what needs to be done to resolve this. And I agree, they do not even deserve the 1 star you have to select to post.

They're holding checks to cash so they can add additional fees. I have paid of $13K for loan that originated at $14,951.00, still have balance over $11K.

Vehicle Repossessed 11/23/2011, two men from Precision Recovery, Inc arrived about 10 pm though I objected the men stated they had an order to cure my vehicle and that's what they were going to do.

I requested to get personal belongings, the men agreed but stated I had to give them the key first. After I went inside to get coat and keys, one of the men stated he phoned his supervisor and needed to see the notice I had received from Santander Consumer USA. When I went back in to get the notice, one man drove off in the tow truck and the other in my car. Precision Recovery Inc is in violation for Breach of Peace, violation of IL Commercial Code, IL Consumer Fraud Act and Fair Debt Collection Practices Act. Santander Consumer USA is contracted with the national company Renaissance Resolution Recovery and the national company is contracted with Precision Recovery, Inc. All three companies are liable for the wrongful repossession.

I have posted details about this. I am throwing down the gauntlet to any legal eagle out there to take up our cause and file a class-action lawsuit against Santander. Who will champion our cause? These people need to lose their license!

This company should not be in business! The only reason I gave them one star is so I could write this. My original loan was with CitiFinancial and was sold to this horrible company! I have never made a late payment and always pay more than what is due. The loan matured on 11/16/2011, yet I am being told I owe $2100.00. I spoke with four different people from Santander today and received four different payoff amounts. I am in the middle of buying a house and cannot have this horrible company report me as late to the credit bureau, so I tried to pay the vehicle off over the phone. However, they will not allow you to pay over the phone. This ripoff company wanted me to send it Western Union. It sounds like a big scam to me! I will be contacting a lawyer today!

My husband and I recently purchased a truck with the help of Santanders Financing. Unfortunately, our experience with this company upon signing our loan papers has been far from pleasant or professional. On or around September 19th, I realized that I had received no communication from Santander and that our payment was due on October 1st. I searched the Santander website for some type of phone number or email address that I could contact to resolve this issue but the only information I found was the Contact Us link. I sent an email and checked back within a few hours to see if there was a response. Nothing came.

On September 28th, I sent another email to the Contact Us link (knowing that my payment was due within a few days). It was not until October 12th (again, noting that my payment was due on OCTOBER 1st) that I finally received a response. At this time, I confirmed that my address and telephone numbers that were in Santanders possession upon signing our contract were, in fact, correct! The response to my email did include a telephone number so I proceeded to call the customer service department.

At this point, I still did not have an account number with which to make inquiries. Unfortunately, without the account number, the automated service is impossible to navigate (I'm sorry that account number does not match our records. Please re-enter the account number). I made several attempts to contact the customer support number provided and still had not received a statement or a payment book.

Finally, within a few days (on or around October 12th), I received a phone call from Santander. Unfortunately, it was not a call to resolve the lack of communication. It was a demand for immediate payment. How am I supposed to make a payment when I have no information with which to make said payment?

I told the customer care rep that I do not have an account number and was informed that he was unable to provide me with the information over the phone. However, he expected me to just hand him my social security number with no information given in return (even if you confirm the account information, I cannot give you the account number for security reasons). Each time I call the Santander customer support number, I am informed that I must make an immediate payment and that I am responsible for the late fees that have accrued despite still having no information with which to make a payment.

Each time I asked the CCR about my account number, I am informed that they are unable to give that information over the phone and that it is in my statement (the statement I still had yet to see). Each time I called, I requested to speak to a supervisor and was told that I cannot speak to a manager because Santander "has nothing like that here." I was told that I could file a "complaint" and a supervisor would get in touch with me within "24 hours." Again, this was on or around October 12th.

To this date, I never heard from a manager, supervisor or member of the accounting department, as I requested repeatedly. Likewise, when I received another immediate demand for payment, I was informed that my account was being sent to collections (despite my numerous attempts to make contact). When I requested that another complaint be filed so that someone with authority might contact me, rather than someone in another country who has no authority except to make threats, I was informed that only one complaint may be filed for each account.

When we signed the contract, we were informed that our interest rate was going to be over 22%. We were okay with this at the time because we needed the vehicle. However, on top of the 22% interest rate, we later discovered (in late October when we finally had the information needed to make a payment) that each and every time we make a payment, we are charged an additional $10.95 minimum (depending upon the form of each payment; i.e. phone, internet or mail). This means that on top of our unnaturally high interest rate, we are expected to pay a minimum of $720 over the life of our loan just to make the payments! When I finally managed to make a payment to Santander, the internet site was particularly confusing and extremely frustrating to navigate.

Out of the numerous requests we made to have a statement or payment book sent to our residence, the first statement that was actually sent out was postdated for October 21st! As soon as we received the statement, we made our first payment and were charged $10.95 to do so. I have no intention of paying the $30 in late fees for something that is completely out of my control. Let me reiterate that I made numerous attempts to contact Santander with no return contact made. I will not make a payment to someone in another country especially if they are willing to take my money and social security number but won't give me my account number. I understand the security reasons but security goes both ways.

Since making that first payment, both my husband and I have received very harassing telephone calls from Santander customer service. We are contacted every hour to demand that we make immediate payment. My husband and I counted the number of times we have been called and between the two of us, there has been as many as 26 calls from Santander in one day. Our lack of payment is on the part of Santander and was completely out of our control. If we had been sent the statement back in August when we signed our contract or even in September when I made the first contact, this would never have become an issue.

Rating is -10. We financed a 2004 Nissan Maxima SE with Citi Auto Finance in 2008 and they were the best of people! We couldn't have asked for a more understanding group of people. But the day came where I got a letter in the mail saying that Santander Consumer USA had bought out our account from Citi Auto. From that moment on, we had nothing but hell with these people. First off, I am not racist but I could never seem to get a person on the phone that spoke clear and understandable English. In the course of a year (from 2009-2010), my husband was diagnosed with cancer and had to go on extended sick leave from his job without pay.

I had the stress of working and being a full time wife and mother to two young girls. I called them to let them know that I may be behind, they didn't care. They wanted to payment right then and even threatened me in a polite way, if there is such a thing as that. I refused and told them that they would get the payment a week late and that's all there was to it. Within a month, I was hospitalized and had to have multiple surgeries and I have no health insurance. After being off with no pay for 8 weeks, I finally returned to work and after 4 years of working there, I was terminated. I found another job, for less pay of course, within a week of being terminated. They held my first check so I didn't get paid for a month.

I called to advice them that I was going to be late again and again they were demanding and very rude. They did not want to hear my "excuses" so they said. Shortly after that incident, we had to spend $4,763.83 (that's with a warranty) in repairing the car because of all the issues with it. Within a couple of weeks, we had to take it back to the shop 4 more times (totaling another $2,700). We got behind again, but got it all caught up in the end. I was laid off from my new job because the company went under and tried to get unemployment. Not but 3 days after me losing my job, the car was destroyed by an electrical fire in the navigation. The navigation is one thing that went out and we did not fix because that would have been another $1,490 because our warranty didn't cover that either.

That fire happened on 8-12-11, and our insurance and GAP covered most of the car, except all the late fees and other ** that they said they had imposed even though the account was current (15 days before payment was due) at this time. Now because I told them I refuse to pay the late fees because we had it caught up and have proof, they want to send me a letter saying they are going to repossess the car. Ha! The car was melted to ground. I still continue to get harassing phone calls and letters. I can't afford to get an attorney or lawyer, so I just told them to come repossess the license plate and door handle we happened to save. This company is nothing but a bunch of heartless, cold blooded and outsourced thieves!

When I originally took out my car loan, I was dealing with Road Loans/Triad Financial. They were very nice from day 1 and worked with me. First loan payment was made in Septemeber 2006. Before the actual due date, $365.21/month payments were made. When I had a financial setback in 2007, they happily refinanced me to make lower payments. Then in 2008, Santander took them over. I continued to make payments.

In 2010 (to 2011) I had over $3000 in out-of-pocket medical expenses. Then I had to shell out $409 for new glasses and $538 for dental (my insurance didn't cover all expenses 100%). My mother died in October 2010 and with her death, I lost my income as a caregiver. So I am living on SSA and unemployment. I contacted Santander about it. They brought up my bankruptcy (had to file that due to embezzlement by the Johnson Law Group who themselves filed chapter 7). I contacted Phillips-Webster Law Office in Seattle and they advised me to file bankruptcy; I had to, I had no other choice.

I had to list car loan by law, but opted to retain the vehicle. However, every time I called Santander, they threw the bankruptcy in my face. I finally told them, "My bankruptcy discharge did not include my car loan. What part of that don't you understand?". I am 5 payments behind. I asked them to refinance the loan. "We don't refinance our own loans", they said, which is a crock. Triad Financial did that for me! I had printed out my payment history from the start (63 payments totaling $20,567.18) and faxed it to Santander (the number Mr. ** gave me when I talked to him on Saturday). He has not called me to confirm receipt of my records. They told me I had to pay $1521 to catch the loan up - else they would repossess my car.

I told them that it's not cost-effective for them to do that because my car is nearly 10 years old and has over 88K miles on it. I need my vehicle for transporting myself to my doctor appointments all over the place, shopping; and some measure of independence! I am 69 and will be 70 years old in 4 months. I told them that the economy is tough all over - people with no jobs. I have been jobless for a year now; people losing homes to foreclosure. I told them it was to their benefit to work with me. They are nothing more than cancerous leeches! I can't afford to hire a lawyer.

Santander took over my loan I think about a year ago and I called them to ask them to work with me because I was getting behind on my loan and they said no. so for a year I've been one month behind and just kept sending them what i could and they call several times a day and harass me. I just lost my job a few weeks ago and I asked them if they would work with me and they said no. I can never speak to anyone who can actually do anything, they just keep saying they will submit my request and it's up to management to approve it which they keep denying my request help. I only owe about $1800 on the car and they are refusing to help me after I lost my job. Do not use this company. They are rapist.

Rating a zero!! This company is a joke I had nothing but trouble since my loan was sold to this company by Citifinacial. I mailed my last truck payment like I was told on 11-10-11 to the address they told me to send to since I couldn't make it over the phone like I normally do. My check cleared on Thursday 11-17-11 but now all the sudden they said they never received this payment? I had to get proof this check cleared my account and its been a run around since yesterday. I have contacted the JP Morgan Chase bank that's stamped on the back of check this morning about this matter and Santander does deal with this bank but I was told on the phone yesterday by who ever I talked to from Santander that they don't deal with this bank? Well I guess that person was wrong from Santander.

This company needs to get employees that know how to speak English and knows what they are talking about instead of giving false information every time I call. They told me it will take 72 hrs to find out where my money is. And if they can't find it I will have to send another payment for this amount ? I am sorry to say but that's not going to happen. Also I was told by this very rude employee from Santander that I have no reason to be upset about this? Hello, this is my money we are talking about not theirs. I have contacted the BBB about this and if this matter isn't resolved by Monday morning, I have decided to seek legal action. I have had nothing but problems with this company from the harassing phone calls for being one day late. They have called my cell phone all day long while I am at work and house phone all night long bothering my family. I just want to done with these people and this company needs to be closed down for a number of reasons. I am very unhappy and frustrated with this company. I feel they stole my money so they can get more money out of me from the daily interest occurring during the time they are trying to find my money.

Yes, there is something we all can do, that is to put God first. He didn't bring us this far to leave us. I posted a comment 11-9-11 regarding Santander Consumer USA Inc. I've experienced Santander Consumer USA's fraudulent, manipulative, shrewd way of conducting business. It's morally wrong, and unacceptable. We, as consumers, need to take a stand for our rights. I submitted a complaint to Consumer Affairs, and BBB, not knowing that there were 143 complaints against this company.

I had a gut feeling that there were others going through the same situation. On November 17,2011, I spoke to an Attorney Paul **. he has accepted my case against Santander Consumer. I also asked if he does class action suits. He stated his partner handles them. Their number is **. I feel this was God sent. I started reading the complaints from other consumers. I instantly felt I'm in this situation for a reason!

I filed a complaint with the County Of Los Angeles Consumers Department. They will be forwarding my paperwork to the regulators that oversee repo agents. I read Hallmon of San Antonio, Texas comment,"I'm serious, let's get the ball rolling". In the mean time, we need some news coverage, and send letters to the local news channels, certify them with return receipt. Also, LA Times has a reporter Sandy **. Here's her address Los Angeles Times, ** Los Angeles, CA 90012-4105. Let's bombard her with letters.

God bless everyone here. I would have had God's vehicle paid off in 2012. My license plate Love for God Jaguar X-type. Everything works in multitude. Also, contact your Assembly State Legislatures, and Council Members. We voted for them to be in office. There are still some positive politicians out there. On other business matters, I would not be where I am today without them, and thanking God for directing me in their paths. Stop taking advantage of consumers. Remember, God sees everything!

I recently mailed in my last payment via mail, because I wasn't allowed to make my last payment over the phone by their rules. They received payment and debited out of my account on Thursday, 11/17/2011. As of yesterday, my payment wasn't made to my account. I called and they said they never received my payment, in which I have a copy of my check from my bank that they did. I sent my payment and they said this is my fault. How is it my fault? They are the ones that processed my payment, not me, also the bank on the back of the check who cashed it.

Santander says they don't deal with this bank. How is this possible? Now my account is under review because of this missing payment. Not only am I very upset because of their screw up, but my account is incurring interest daily which they will accept me to pay. I refuse to pay any more money to these people. They don't know how to do their jobs. It's very obvious. And they need to get people that can speak English. Half the time I can't understand them. I had nothing but problems with this company since they bought my loan from CitiFinancial.

I cannot add anything new to this forum. Mr. ** was more than rude. He was threatening. And what really made me angry was that I couldn't get to his throat to strangle him. I am behind on my car payments and I am making 2 payments a month to catch up. But like someone else said, they only apply your payments to the interest. This keeps the principal from going down and the interest keeps stacking up. If we all ban together, we can get this jerks! I want to start a campaign. Is anyone interested? Email me at **.

Certainly this company made excessive auto dial calls to my cell while payments were behind. I also suspect inappropriate excessive charges were applied during the loan. The loan was paid off 10/21/11 by my insurance co due to a total loss claim. Santander sent the title immediately but continues to withhold the overpayment in excess of $2k over 30 days now and ignored my demand for prompt payment.

Based on my experience with Santander, they have violated the Fair Debt Collection Practices Act. I also believe, based on the outrageous manner in which they charge fees, that Santander has breached the contract agreement.

The original date of the loan is 02/2008, with an original balance owed of $21,049. To date, 38 payments in the amount of $468 monthly for a total of $17,784 have been paid. Currently, the balance owed is $15,065. How could that be possible. It appears, that the bulk of the $468 is applied to interest, instead of the principal. Ex: 11/11 paid $469 and 100% of it was applied to interest! This practice has occurred on about 50% of the payments. Your assistance is greatly appreciated to help stop this company from this unfair practice. I can supply a run sheet of the payment history as well.

We purchased a vehicle in Nov 2006. It was financed through Citibank. Citibank sold the loan to Santander consumer several years ago. I have had nothing but problems since then. Santander consumer is a predatory lender. We were not informed that when a payment is due on the 1st of the month, they start charging excessive interest on the 2nd. They did not not even let us know the back interest was adding up. We continued to make payments as usual. Unknown to us, the loan has been adding surcharges for almost five years.

Now when I check into paying off the loan I find that they are trying to extort $2,000 more than I owe because of back fees they never informed me of. I have tried talking to them. However, they will not work with us. They demand full payment, and worst of all, every time I speak to them, they read the debt collection routine over the phone. I have contacted my Congressman about investigating the predatory practices of Santander consumer and the practice of reselling loans to these third party criminals. I accepted the loan because it was with Citibank.

I was moved over to this company from Citi-group. I've never had issues with Citi-group, if was behind, gave me time to catch up. They moved me over to this company. I never signed a contract with this company. I'm being charged, crazy interest rates and now they have my car. Never sent me notice that they are gonna take it.

My account was bought by Santander from another lender. I paid a payment to the other lender during the change over. I contacted Santander concerning that payment but the rep could not locate the payment. I called several times about the missing payment. One rep hung up on me. I already closed the account yet they are holding the payment to make a higher interest.

Someone came to my house 11/3/11 12:00 am. Cut the locks off my gate to retrieve my vehicle. There was no paperwork presented these people sprayed some solution in my dogs eyes. I made a 411 call to my local police dept. A Sgt was dispatched to my residence. He stated the police should have not been involved in this matter this is a civil matter. I was not aware of any repossession. I sent a car payment per agreement with my lender 9/29/11.

I have fallen behind in my payments, but I am paying them. I had direct withdrawals coming out for September 2011 and was informed to call back by the 24th to make a due date change and there will be no problems as long as a payment is made. I called back and was unable to make a due date change because I was over my 28days for being late. So this means that, I am 1 month behind which I have informed the rep of this. I received a call on November 4, 2011 around 7:15 pm. Was asked if I could make a payment.

I informed him that a payment just came out and I don't get paid until Nov 14, and I can make a payment then. He said well you will be 2 months behind by then. Then he asked what happened that I can't make my payments. I informed him that I recently divorce in April 2011. I was awarded the vehicle and its been hard keeping up. He said let me see what I can do. He said, well, since you just paid October 29th 2011, we can change your due date to November 24th, put your October payment at the end of the load and this will bring you current. Maturity date will be January 15, 2016 and on November 24th you will need to pay $459.76. I said okay and thank you very much this will help out a lot.

So today, November 7, 2011, I received a call stating I am 34 days behind and may be reported and 07 Jeep Commander may be repossessed. I informed her I thought this was taken care of and it I see it hasn't. She became loud and said, well your payment is due and you need to pay it. I asked to speak with a manager. Michelle ** is the supervisor that got on the phone. I explained everything to her and states the same as all other reps that called. Make a payment we will be able to change the due date and there should be no problems. So now by November 14, I will be about 42 days late in payment and she doesn't know what the status of the repo will be. Santander is very shady. I wish I had Citifinancial back. I never experienced a problem with them at all. Santander just keep you going in a circle and you will get nowhere but more phone calls.

I have made five requests not to be contacted at my place of employment. Last Friday, this company contacted me seven times within five minutes at my job. I returned the call on my lunch hour and the Santander representative was very rude and disrespectful. I would not recommend this company to anyone. Unless you're up for dealing with uneducated, unprofessional, and highly aggressive collection agents, do business elsewhere.

I've been making payments to United Auto Credit. Somehow they sold it to Santander. I had a heart attack less than 2 years ago. I still have complications due to it. I still work and try to make my payments on time. I got 2 months behind and called to make arrangements to catch it up. A woman told me about a payment reduction and she would email me the paperwork. A week later, I still got no paperwork so I called them. At that point, a manager told me I could get one. I've used all my extension due to my heart attack. And I made more than a full payment last month.

I told the rep that I would make a payment on the 8th of this month. But I got a surprise this morning. There was no truck in the driveway. I called them and they said I was still 83 days past due. That's not true. So now I can't go to work. I don't know what to do. They want me to pay $1685 to get it back. I think that it's winter time and I had a 99 Chevy Tahoe 4x4. They will get more in auction. But what sucks is that when I called them this morning, they said they had no record of the payment and of me making arrangements to get it caught up. There must be something all of us can do. Please help me figure it out.

Law Offices of Gary Green has been associated in a class-action lawsuit against Santander Consumer, USA alleging, among other things, that Santander has violated the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act. The lawsuit also claims that Santander breached its contracts with consumers in the manner by which it charged fees. If you believe you have been subjected to abusive or illegal actions by Santander or any other collection agency or bank, please contact us.

Law Offices of Gary ** has been associated in a class-action lawsuit against Santander Consumer, USA alleging, among other things, that Santander has violated the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act. The lawsuit also claims that Santander breached its contracts with consumers in the manner by which it charged fees. If you believe you have been subjected to abusive or illegal actions by Santander or any other collection agency or bank, please contact us.

Debt collectors may violate federal law if they engage in any of the following practices: 1.Communicate with your friends, relatives, co-workers, or individuals other than yourself on multiple occasions, 2.Disclose to others that you owe a debt, 3.Communicate with you at odd times or places without your consent, 4.Make repeated phone calls to you with the intention of harassing you or communicate with you in a harassing or abusive manner, 5.Communicate with you in a false or misleading manner, 6.Call a cellular phone using an automatic dialing machine or a recorded message without express authorization. Please preserve and keep any recordings you might have of Santander employees who have left messages on your cell phone; or any recordings on your home phone where Santander employees have left harassing messages.

July of 2005, I bought a new Jeep Wrangler. Financed through Citifinancial and had no problems, occasionally late, but always paid. Santander bought out my loan about a year ago and it's been a nightmare ever since. These people are idiots. My load matured July 2011, and I made an extra payment because I was offered to skip a payment in December and I did. Now all of a sudden, I'm getting calls about a $2,700 balance. How do I pay 440. a month for 6 years and still owe anything. I've paid almost $9600 in interest alone.

They have now sent me a re-modification load for the remaining "balance" but won't send me a break down of how that $2700 accumulated and what it's actually owed for. These people are somehow taking advantage of me knowing/hoping that I won't seek legal advice, but I really need help. I need this Jeep to be paid off and I don't even care about my credit rating, I just don't want them to repossess a car that should have been paid off to begin with. How can they do this? There's no way I owe that much after 6 years. Someone needs to go all out and do an investigation. All the people complaining here can't be wrong! They definitely don't deserve the one star that I gave them. But it won't let me submit unless I give it to them.

Zero stars. They are applying all of my payment to interest - nothing to principal if not paid by the due date. At the end of the loan, I will still owe them thousands of dollars. They also told me that I had to be 3 payments ahead before they would apply any extra payments to principal. If your payment is due on the first, they start calling 10 times a day, everyday!

I am behind on the truck payment but the account manger told me that if i paid 1080.00 towards the account, my truck will not be repossesed. I paid the amount by western union before the time limit and my truck was still repossesed.

I financed a 2004 GMC Denali-v8 in 2008 for $29,500. As of this date, I still owe $21,892.83. That is the pay off. I tried to refinance the truck and found out they charge $11.40 daily for interest. At this rate, I will never pay off this truck. I really need advice on this matter. Thanks.

I have one question, if I am/was receiving phone calls from Drive Financial, when 1. they no longer exist, 2. our loan was through Citifinancial. Should it be illegal for Drive Financial to call my house? (My husband and I have gotten calls from them in the past). Just curious.

I have made two payments in two months at the same time. I suppose to have my car loan paid off in Oct. 2012, now they have it for Dec. 2012. I advise any one not to get with them constantly harassing me. I done with. They need to be investigated as soon as possible.

Dealing with this company has been nothing short of a nightmare. I had financed a car with Drive (now Santander) after coming out of bankruptcy. The interest is extremely high and although I have paid over $9,000 on the vehicle since I purchased it, my account shows that I have only paid a little over a hundred. I will admit that I have had some setbacks which affected this account (cancer, work slow down) but I have worked very hard to get this account current again. They continually harass me by calling sometimes as many as eight times a day while I'm at work, even calling my cell phone after I requested they didn't. It doesn't take a genius to know that most people who are at work won't be able to, and shouldn't have to discuss their personal business. But they continue to call, even though the account is not 30 days late. I recently set up a direct debit from my account and still received a call from them this morning. Can someone please help?

I bought my 2008 Cobalt in May 2008. I had lousy credit due to a divorce and so the dealership set up my original loan through Drive Financial Services. It was subsequently sold to Santander. What a nightmare. I will freely admit that I did miss two car payments, but I have been on time for over two years (you'll read why in the next paragraph). Those two payments that were missed were not my fault. I sent checks to Santander for both payments a full ten days before the payment was due, and my checks were cashed late. They had the nerve to call and ask why my payments were late, and the dates on the checks were clearly written way before both payments were due.

After that fiasco, I contacted them and asked if I could use electronic bill pay through my bank. The woman I spoke with gave me quite the run around and tried to sell me their own electronic bill pay for just an additional $12.95 a month. I told her, "Look, you're already killing me with the payment and super high interest rate, and now, you want more money?" I finally said, "Listen lady, do you take electronic bank payments or not?" She got all huffy and said, "Yes," and I hung up on her. Since that day, my payment comes out of my bank electronically on the due date and the funny thing is, once you're caught up, you don't hear from them. What a miracle.

As mentioned earlier, I'd gone through a divorce and since I was the one with good credit, all the credit cards were in my name. That was a big mistake, and I've since learned my lesson. I went through a bankruptcy in March and was discharged in May 2011. Life has been a lot easier. It may seem like the cheap way out, but I haven't had a raise since May 2005 (and believe me, I am incredibly thankful that I get a paycheck every two weeks). I've got this Manila envelope at home with all of my bankruptcy paperwork in it, including my discharge. Santander's reaffirmation paperwork is in there too. Would you believe that they claim they never received my reaffirmation agreement paperwork? Surprise!

I haven't received a statement from them since I filed in March 2011 since I'm still considered under bankruptcy. I can't log onto their website, so every month when the payment clears my bank, I call them, ask for the name of the person I'm speaking with, and get the current principal balance along with the payoff balance. The last time, I spoke with Paula, and she told me she'd send me a copy of my payments (I wanted a printed copy from them, not my bank). It's been two months and still, no copy. What a shocker.

With the bankruptcy, they told me my attorney would have to reopen my case and resubmit the paperwork to get a second copy of the reaffirmation sent to them. The cost to reopen my case was $350.00. My attorney told me to just keep making payments. I worry about what will happen when I attempt to pay the loan off when the time comes. Everything I've read has been nothing but a horror story, and I worry that even with the payoff information (if it even arrives) that they'll send the repo man after my car anyway. I think it's funny that when you Google Santander Consumer USA, one of the top words that pops up without another keystroke is complaints.

My loan was originally through CitiFinancial Auto. We had no problems through them. I have to admit that we weren't always on time with the payments, but we always made them before they were more than a couple weeks late. Apparently, Santander bought the loan or whatever. We never got any information from CitiFinancial, saying they had sold the loan. For the first few weeks, we had no idea who Santander was and why they thought we owed them money. I digress.

After figuring out that they now owned the loan, we began paying Santander. Our loan was scheduled to mature on August 14, 2011. Santander says we still owe them over four thousand dollars? How? I don't know. They did tell us that we could modify the loan for the remainder. We were told by a service representative that an email would be sent to us with the necessary paperwork. This was over a month ago.

My wife and I have talked to them at least three times a week, but still no paperwork. I have given them two separate email addresses - nothing. I am at the point where I am sending a daily email from two email accounts, complaining about this situation. Every time we speak to a representative, they promise that they will handle it. I feel like they are pulling a smoke screen just to have an excuse to either deny us a modification or repossess the vehicle, which should be almost paid off. I am very, very frustrated with this company. I only wish to finish my loan and be done with Santander! I am going to seek legal counsel on this matter.

They charge $10.95 to pay your loan via Internet or phone! They never billed me on the Internet for a bogus $44 last payment on our car loan though they claim to have sent a bill to our address. It showed a zero balance on the Internet. I found out about this amount upon obtaining a credit report a month later. They refused to take it off my credit report, and put me in for another late payment which I have proof of payment on time. Why would I ruin my credit after four years of paying $315 on time, but not pay a bogus final payment of $44? Don't do business with these people.

Santander bought my auto loan from Citifinancial. I had a simple interest loan until Santander took over the loan. They use the precomputed method (Actuarial). This was done without my knowledge and without my consent. I can't pay more towards the principal each month. Santander applies the extra money to the next month's payment. I can't pay off the loan early because I'm still paying the same amount of interest. This is ridiculous. I hate Santander.

I had a car financed with this institution and it was paid off by a credit union on Aug 27, 2011. There was an overpayment of $5790 and it should be paid to me. It has been 51 days since Santander received the check to pay off the loan and I still don't have my money. The title cleared on the 6th of September and all information was verified by Santander on the 30th of September. Supposedly, a check was mailed on the 1st of October, yet no one can tell me where the money is, or are they willing to do anything else at this point. I have been told several stories as to whether or not the check was mailed and now they are telling me they have to re-verify all the information and to give it more time. I feel like I'm getting the run around because they know they can get away with it.

Santander Consumer USA asked me to pay next month payment and let me pay late fees for the current month. It is unreal. The US government has to check the uncommon practices of this particular company.

I rate them zero. This company should be investigated by both state and federal agencies. As you can tell all over the web, this company needs to be taken out of commission. They harass, intimidate, and steal from consumers. I paid for a Sedona Van 72 payments. The loan matured in June 2011. They say that I still owe about $535.00. That amount changes with whoever you speak to. Their website says I paid 72 payments, which is what the original contract with CitiFinancial was, before they sold the paperwork to Santander. I need my title to my van that I purchased. Santander has sent no other bills saying what this extra money is for (most likely for a company lunch party). They have no idea how to do bookkeeping. How is it they pay the U.S. taxes if their records are so messed up?

They told me it was for late charges (but a 0 was in all boxes on their bills for late charges, fees, and other). They then said that I didn't make a Dec. 2009 payment (which I did). And if that was true, then each statement after that would state that as 2 payments needed to be made (in which it doesn't). I just want my title, as I paid in full and it stated so on the last check they cashed.

I received a loan for a truck from Citibank. Somehow Santander took over the loan. Payments remained the same, but Santander added two years of payments. The truck should have been paid off by Aug 2012, now it will not be paid off until 2014. They added over $7200 to what we owe.

They're worth not even 1 star, but I had to enter something! Right now, I am going through a repossession. On Sunday morning, 2 guys showed up at my door saying they were taking my vehicle per Santander. I was late on some payments, because of unforeseen circumstances. But I was never notified by mail or anything regarding my account. I did a chapter 7 earlier in the year, and they said they couldn't communicate with me because of the BK. So I had no clue how my account was going.

They are not helpful or trying to resolve anything! They want $2862.00 by the end of the month. (That's not including the $31.00 a day at the tow yard!) Then my husband called yesterday (he's been calling them everyday), and Derek tells him, "Oh, and your regular payment is due on the 17th of the month." What? Really? He already said $2862.00 was due, and that was it! My loan is almost payed off, and that will complete it. So is someone taking a cut or what?

This company is the worst I have ever dealt with in my life! (HSBC sold the account to them.) And to top it off, I will probably lose my vehicle in the end, because there is not enough time to get that amount of money together in a short period of time, after paying on it for 5 years!

I traded in my vehicle for a newer, better gas mileage vehicle. This was in May. I received a statement from Santander in July showing payment not due till October. There had been 3 payments applied to my account. I figured my payoff on trade in was less than calculated and the overpayment was applied to new loan. I received no calls from Santander till September. They were threatening to take my car unless I pay them back to July. I tried working payments out with them to catch up their mistake in the first place. They would not budge. I asked that they not call me out at work but they do. They call my cell phone 5 to 6 times a day. I have caught payments up to current, but they sent someone to my home to take pictures. This man took pictures of my boyfriend's truck and of our home. My neighbor saw them snooping around and took pictures of them. This is to the point of major harassment and something needs to be done with this company. They do not deserve 1 star, more like negative stars.

The woman I spoke to on the phone was very rude. We have given them our new landline number but they choose not to call it. They also wanted me to give out work information. I told her that I would not give that to her, and that they need to call the new number given to them. They get nasty, when you tell them you are making the payments by MoneyGram, or money order. If my husband wasn't ill, we would have had this paid off, it doesn't make it any easier when they screw up the payment, and blame the customer.

This company will be out of business soon! In May 2011, I called Santander asking for a loan modification due to me recently being lay-off. They told me that I needed to write a letter, send a proof of income (which was unemployment checks) to them, so I did. I was then told that it would take about two weeks to hear if I was approved. After 2 weeks, I called them and I was that told it was approved. My payments would be $250 a month from $431 a month for 6 months. All I had to do is wait to receive the documents from them, so I can sign and send back, letting them know that I agree to the new loan terms. I was overjoyed! Everyday, I called asking when I will be receiving these documents. I was told that they will fax or mail it to me. After a month, I started to get nervous. I then demanded to speak to a supervisor. Someone gets on the line claiming to be a manager and I was told then "Sorry Ms your deadline has expired and you are no longer qualified for the loan modification" I asked why not? I did everything you asked me to do. She said the reason is because I never sent back the agreement documents. I say I never received them! I called everyday check your notes. Long story short, I was being scammed. Is this Legal? How can they do this type of thing to people?

After struggling to pay my car note on time on a $325, a week unemployment check. I fell behind two months. I called in a payment last month of $389 and made a payment arrangement with them that I will make another payment in two weeks for the rest, and I did. So now, I was 40 days past due, then I made other arrangement to pay on 30th to pay the remaining amount I owe. Well, on September 28 they repossessed my vehicle. When I called Santander and ask them, if did they take my car, the rep said yes, and 50 days past due. I told her that I had an arrangement to pay on the 30th, it's only the 28. She then told me that if I pay it or not on the 30th, they still were going to take the car, because it was on the list. I was never given a notice of the repossession until after they took my car explaining their intent to sell. She told me, they didn't have to give me notice they were planning to take it. After getting my car back, that's when they started calling me asking when I will be able to make another payment. I told them I am not behind stop calling me. I am so sick and tired of this company. I don't know what to do.

Be careful with your payments and this company. You'll pay what they say you owe for the month and then will turn around and tell you that you owe a completely different payment for the same month. Plus, the employees are idiots. It took Eduardo almost 15 minutes just to tell me something that was plainly shown on the website. I didn't take my loan out with Santander, I took it out with Citifinancial and I wish it would've stayed with them.

They are not fair. They do not apply overpayments to our principal as requested. I was told that I had to be three months ahead before the amount would be applied to principal.

Basically, this company bought my loan from GEMB lending on 4/4/11, with only one contact with me via US postal service. Upon numerous telephone calls from myself regarding my account, they have not responded at all to my request for terms and conditions, monthly payment due dates. It has now been 5 months with no response from them, yet I have made 3 contacts (all on record) with no response.

Sovereign Santander employees are not treated right. I am an ex-employee because they fired me for overlooking an expired year on the customer's I.D. that was altered. I saw that it was done, so I thought I could do the same. The customer was to bring her new I.D. She was there twice per week, if not, every week. I used to work with the same company for ten years. In 2006, it changed to Sovereign.

Two years ago, they cut staff so for eight months, I work alone on the platform and tellers unit. Many of my days were without lunch, breaks, whatsoever. I met all my goals except this last Q2 and it was all because of the management's fault. They could have given me a warning, instead of firing me. All the employes were so overworked that it is only time before someone really gets hurt. Many of the branches have only two people working. Sometimes, I am so afraid to even go to the restroom.

This is the worst customer service I have encountered in all my years of living. I was threatened and lied to, and also, they stated that they were coming to me. They would not listen to anything I had to say regarding the vehicle that it was paid off by the dealership. All they wanted to know is if the vehicle was in our driveway, if our address was the same, if we were still working, and when could they expect payment.

They were able to cash the payoff amount without applying the credit to our account. No one seemed to care that Santander had the check and cashed it but could call us 9 times a day to argue and threaten our credit because they dropped the ball with our payment. Our dealership was on the phone with them for 4 hours, arguing with them regarding the payoff amount that was paid in full and proof that check was cashed.

I cannot rate the experience because of the unprofessionalism I've had with Santander! It is by far the worst auto finance company and it needs to be put out of business!

Why should I give them one star? They are a zero! When I first got my car, the car dealer said that CitiFinancial was looking for better clients and actually offered a good interest rate. I had always had bank financing till this point. I did not have bad credit and should never had been financed through them. I had many problems with CitiFinancial. It was a whole new world to me. I was treated like I had a bad debt from day one. They wanted payment wired or wanted $14.95 fee to pay over the phone when I was not even out of the grace period for the due date. I would get an extension and approved the extension before it was 30 days past due, but they were reporting me all the time like I was 30 days when I was not to the credit bureau.

They also keep saying I broke payment arrangements that I did not break and that was on my credit record. One time, I was about 2 weeks late on my payment and CitiFinancial sent a company out to take a picture of my car and said it was because I was late. I cried and told the 2 women who came out, "who sends out someone to take a picture of a car when it is not even 30 days past due?". I was very ill at the time and figured I would straighten it out when I got better. I was very discouraged because I would call and they would say one thing and then put something else on the credit bureau. I was very ill at the time and I felt helpless as they ruined my credit.

Then all of a sudden, I was sold to this Santander Consumer without any notifications, just a new bill, but the payments went to Drive Financial which was even more confusing. I was told I was sold because I paid my car payment late. I always called and was only a week or so late or I got an extension. We are not talking about someone who was months late! Even though they would offer extensions and then never give them, I would have to get caught up and I did!

When the account was transferred, they changed my balance to a much higher amount. I called and told them they added money to my balance and it was not correct. I even sent something in writing and they ignored it. They said it was correct and I said I wanted to talk to CitiFinancial. They said I could not and they no longer existed. I have been paying to Santander ever since, every month. I have been paying on this car for 5 years total to this point. I have, according to them, one more year to pay and I still owe $6,000 and the original note was only $12,000. I told them being a week or 2 late should not accumulate such a large balance. I have already paid over $12,000 on the car. When this was all said and done, how much will I have paid? I would just have them pick up the car if I did not fear even worse credit. I told them I wanted to hire a lawyer and after reading all the repos on this site, I am now worried that they will come and take it even if I am not behind! How can you work out something with a dishonest company?

I paid off a vehicle in November of 2010. I kept receiving phone calls saying that I owed $741.39 for "filing fees", "extended services", "late charges", or "penalties for late payments". Our account had been turned over to their "collection and recovery" department. The vehicle was paid off! These calls were harassment, rude, and lies! I did not have even one late payment!

They had our payment automatically drafted, and they reported to the 3 credit bureaus that we were seriously delinquent, and I did not have one late payment. So, in order to clear this up, we paid the $741.39, and now, they won't send us our title. They are the worst company on the planet. I will never do business with a company that uses this company. All of my vehicle purchases will be made through my credit union.

My car loan was through HSBC who turned it over to Santander. Santander continues to add interest back into the balance and in some cases have taken whole payments, applied them to interest only then added the interest back onto the balance.

I have made approximately 90 payments on a loan requiring only 72 payments causing approximately $11,000.00 in overpayment being fraudulently taken by Santander who continues to hold the title to my car. As of today, Santander still shows a payoff amount of approximately $3,600+. This needs to be rectified by releasing title and providing overage refund.

I have never heard of this company. They claimed that they bought an old loan from Triad. We had a wrecked car years ago and they said that the insurance did not pay $1,000 of it. I found out who they were by viewing my credit report. Well, first of all, I did business with another company so any contracts or agreements are between me and the former company, which is no longer in business. Does this mean that if I signed a marriage contract with someone and someone else could buy it, I would then be married to that person? This company and I have no business with one another.

They said, "Do you have a mortgage? We could get the money before you sell your mortgage." I laughed and said, "We will never sell because we are leaving this house to our children." By then, you will no longer be able to collect this incorrect false debt. Every one needs to contact every state attorneys in every state. Ask for a contract between you and this company, not you and the former company. You and the new company have made no agreements with one another.

I want this off of my credit report. I guess the best way to get their attention is to get an attorney. And if you cannot afford one, all state attorneys are very fair and hard workers. There is no doubt that they would consider both sides. They know the laws and are very good about enforcing and upholding them. The reason they are there is to help everyone. So, use them if you are being abused in any way. Do not allow someone to make you a victim of poor and false credit reporting. I am surprised at how easy companies can just slap false or inaccurate information on your credit report and hope that you will not fight back. All I can say is fight for your rights to no end and put a stop to them.

I had a loan with Citi Financial Auto and they were sold to Santander Consumer USA. My loan was paid in full before they were bought out. I have tried for weeks to get a lien release. They have given me the runaround this whole time.

I am beyond angry. I spent 20 minutes on the phone explaining to one of Santander's representatives that I am approved for a refinance (payoff) that will be completed this week, if not early next week.

Since that conversation 72 hours ago, I've had a collections call every night at dinner and tonight for extra fun, a gentleman on my porch with a delinquent letter. This after just 34 days late?

I have never been treated so badly and so reprehensibly by a company. I am intending to pay this in full this week and this is how I'm treated?

I've tried 3 times to reach someone in charge who will actually note my account that I am approved by my credit union and just need to get thru the paperwork to get their check. All they want to know is my current home phone number so they can call me every night and keep their jobs.

Isn't there some law to get these people off our phone lines and out of our lives?

My loan for my 2005 Dodge Grand Caravan was originally through Citi Financial. They apparently sold the loan to Santander.

After the 72-month loan period, I was surprised to discover that I still owed over $2,300. When I asked why, they said it was because I had 11 late payments (not missing payments, late payments). They then offered a loan modification to pay the balance. I decided to bite the bullet and cash out savings to pay off the loan. They would not accept an electronic payment or even a check by mail. They said it had to be a cashier's check or money order. I therefore sent them a cashier's check for the entire amount via the USPS and I paid the extra $5 for a receipt ($2300 is involved and I wanted verification they received the money).

They are now saying that they cannot sign for the check! I have to wait for the USPS to return the check (after 15 days) and Santander will not commit to not charging me extra fees due to the delay.

In November 2010, I purchased a vehicle through Santander. In July 2011, that vehicle was totaled. The payoff was $11,924 but the insurance company would only guarantee $10,375.

On August 3, I received a letter of deficiency. I subsequently called the company and I was told they had not received anything from the insurance company. Also that I should continue to make my monthly payments and once the money came from the insurance company, someone would be in contact with me to make arrangements to pay off the remaining debt. I was actually told they would restructure the debt to lower the payments.

I had not heard anything from the company, so today, September 21, I called them. I was informed that yes, the insurance company payment had been received along with two payments and there was an outstanding balance of $1,218. I asked if I purchased another vehicle could that be rolled into the new loan. "No" was the answer. Then I asked about restructuring the debt and was told they do not do that. I was then told I had 60 days to pay off the $1,218 or the remaining balance would be charged off.

I went to Santander's website and did a live chat. My question was: If I submitted an extra $250.00 per month by check and indicated that it was for "principal", would that be a problem?

I was told I had to make 3 payments in advance, before they would use the extra money I was submitting for principal payments. I asked them where in my contract that such is said, and Amy, the chat operator, said it doesn't say it in my contract, it is a policy of theirs. So they won't accept my extra payments, until I pay $750.00 up front in addition to my regular payment. Then anything extra sent in will be used towards principal. If it's not in my contract, how can you do it?

Santander definitely seems shady.

My ex-wife signed loan modification documents on an auto loan with Santander. I have been trying to get copies of the loan modification documents since May 2011 to determine if they were forged. Each time, I was being told that they would be mailed in 7-10 days. The last time I called, I asked for a manager immediately. I was then talked to rudely, being told that I was responsible for the loan as a co-signer and that they didn't need my signature on a modification as my ex was the primary. Something doesn't feel right because I still can't get the documents. At this point, I feel stuck.

I've been off work since 06/14/2011 on FMLA medical leave because I had surgery. I made Santander aware that I was about to have surgery and needed help with a reduced payment or something before I had surgery. I was told the only thing they could do was defer a payment for one month. I sent them what I can when I got my disability check and spread it over several other bills also. My disability check is way under what my car payment is and my rent is more than my car payment. Then there are medical bills, groceries, electricity, etc. I'm also single and have no other means of support.

I get calls several times a day both on my home phone and on my cell phone on the same day. Most times, the calls on my cell phone are right after they call my home. Then sometimes, they'll call my cell and have a number with no name on the cell but then call my home with the same number and the caller ID says Santander Consumer. I talk to them once in a while and have explained my situation over and over again, and I was told "I'll note this on your account". The next time we speak, they asked me the same questions "Why did this fall behind?". Why keep asking the same questions if you put it on file? Why don't they just look it up?

I keep telling them I sent what I could and that's all I can do as long as I'm on medical leave. They just say "well, I understand that but we need a payment and that's not enough". The calls have become harassing to me and I finally found something on the internet that said if you get harassing calls from a debt collector, to write them a letter and ask that they cease and desist all contact via phone and once that's done, they have to stop calling. Well, they haven't stopped calling and they got the letter by now. I have the name of the lawyer service who said they could stop debt collectors from calling if I need to report this to them.

I told Santander that I'd report the calls legally if it continues, in the letter, but that didn't stop them. I really am not lying about not having the money to send a regular payment until I get back to work. I've run completely out of food several times since I've been on medical leave while waiting for my disability checks and all my bills are behind. I can only do what I can. I've sold my DVDs and CDs just for gas money and/or food once. They get paid weekly, why do they think consumers get paid daily? Nothing changes overnight.

This company is a joke. You make payments to them but nothing goes to principal. They charge fees when your payments are there on time. They got a check on a payoff on a car on 8/29/11. If I don't pay it off until Sept. 7, the payoff amount will go up. Then, they are still sending me bills for a car that is paid off. I think when you pay a car off early, you shouldn't have to pay the interest for the remaining years. My car was stolen. The insurance company paid it off 2 years early. I shouldn't have to pay that. I should be reimbursed for that. This company is a ripoff. I have contacted the BBB and the Attorney General on this issue.

I stopped ACH on my Santander account in August. My bank took a July payment back from Santander without permission. It was a mistake on their part, not mine. I reported it asap to Santander. They told me they would continue to call me everyday until it was resolved. They are still calling me everyday, sometimes 5 or 6 times a day all hours. Even though it has been resolved and I am paying the payment to them on October 1, they said they will keep calling until they have the payment. My bank is faxing them a letter stating what happened. Now my current payment can only be made by mail. Otherwise, I will be charged $10.95 extra just to make my regular payment.

We purchased a car from IPac Mazda in San Antonio. We were told that our first due date was in July. We waited for paperwork for over a month, only to find out that the due date was in June. I received call after call from Santander consumer in May asking all sorts of information that had already been provided to them. The calls were over done for sure. We inquired about changing our due date in July to reflect being due on the 1st and we were told that we have to make the first payment, then the due date could be changed. The original due date was for the 22nd of every month. My husband is a disabled vet and he gets paid on the first.

On August 2nd, my husband received a call from a customer service representative from Santander. In the course of the conversation, the representative offered to have the due date changed. He was told by the representative that the best she could do was to move it up two days to the 24th. Having been told that was the best she could do, my husband agreed and let her know that we will always be late if we can't have the 1st.

We started to receive calls informing us that we were delinquent. At this point I asked for a supervisor. After a heated argument, I was told that we could never have the first and the best they could ever do is the 4th. I was like ok, I'll take it but I was told no. My husband had agreed to the 24th and they can't change it. I argued that we didn't know that we could have the 4th because the representative said that she could only do two days ahead. The call was escalated to the President's office. I was told that the recording would be pulled and I would get a call back. A month later, on September 14th 2011, we received a call back from Rhonda.

She informed me that they listened to the recording and that my husband had agreed to the 20th of every month. I disagreed, but she said that the call was clear. My husband knew what he said and so did I. I asked if we can hear the recording and was told no; we have to get a lawyer to subpoena it. I was also informed that maybe we could be able to find a way to make up the accrued interest for the payments being late. I was angry and argued for a bit but to no avail. Why would I ask for the 20th of every month if I can't pay on the 22nd?

I called back on September 14th 2011 at 12:02pm and spoke to Latoya. I asked her to send the findings for the due date incident in writing. After being put on hold for ten straight minutes with no music, she said that they can do that. I understand that it is a courtesy to change the date, but they lied and now they are calling us a liar, too.

I think a class action is in order against them for deceptive practice and misguiding the consumer. I am serious and if you are too, let's get the ball rolling. This place is a rip off. Not only did they take away two days, they are hitting for interest, too. Beware. If you go to a dealership and this is the only bank to take you, run like hell.

This company is ridiculous! Why hasn't there been a class action lawsuit filed yet?

Almost two years ago, I financed a car through them and I now owe more than what I originally borrowed. They have lost my payments, refused to send me any kind of paperwork to show where my payments are going (e.g. principal and interest). People that can barely speak English are calling me at least five times a day after speaking with three different representatives out of those five calls.

Somebody please put this company out of business!

My loan was purchased by Santander from Drive Financial. Santander has failed to apply payments to my account balance, failed to mail me a copy of my contract, and informed me that I had to be paid up three months in advance to pay off my loan. They say that they can apply my payments any way they want to. When I have made inquiries, I have never gotten a response. My pay off amount has not been reduced in three months. They are stealing money from me every month. I am still paying on an illegally inflated loan.

If I could give them 0 stars I would.

I have made several calls to Santander Consumer USA regarding vehicle auto loan over last year. My loan was bought out by them.

I have never called once that I haven't gotten rude, disrespectful customer service. I will never get a loan with them again, if I can help it. I don't know who these people are, but if my business was customer service, I would be out of business if I acted the way all of their customer service representative acts. I don't know how they stay in business. We are all human, everyone has problems, so treat people with respect, there is no reason for them to be rude to customers.

I want to start by saying I have never had an account with Santander Bank. I previously purchased a car in 1997, financed through Auto One Loan. My car loan was paid off in full in January 2005. In August 2005, Auto One's Auto Loan division was purchased by CitiBank Auto division. Moving forward, I pulled my credit report in August 2011 and found that Santander Bank was on my report showing I was 180 days behind on auto payments and owed $613.00. I immediately disputed this and contacted Santander Bank per the number listed on the credit report.

I spoke with multiple individuals explaining I have never had an account with their company and my auto loan had been paid off in full in 2005. Well, after multiple transfers and restating the entire conversation, I was told as per what was on the computer that I owed for a car loan. I am done with attempting to have reasonable, professional conversation with the customer service department of this company. I have left messages with the Office of the President of the company but no return calls yet. How dare this company add fraudulent information on my credit report!

Santander Consumer is terrible. I lost my job and tried to work out a payment plan but they were not willing to work with me. Today at 2:00AM, the repo guys showed up with paperwork to repossess my car. When I called Santander about this matter, the representative told me that they do not have to send me any notification because my state does not require that I need to be notified in writing. Well, they lied because I contacted the state Department of Justice and in the state where I live, VA, they must send me a notice 10 days prior to the repossession. I plan to hire an attorney and sue them. I also filed a complaint with the Federal Trade Commission and VA State Attorney General's office. I think that they should be under federal investigation.

My name and phone number was used by a friend as a contact/emergency number and, since she has not kept up with her payment, I am being harassed daily by numerous phone calls from different operators. I have contacted this company each time requesting that my cell phone number be taken off and each time I get a lame response on yes, I see a notation that you requested not to be contacted, but no explanation as to why I'm still getting the calls.

I have been called from seven different phone numbers and each time they have me to call the 18882224227, never the same operator. I have threatened to call the Better Business Bureau and even tried calling the police for harassment.

I am demanding that my number be removed and, because I have be getting them on my cell and not my home, I'm afraid to really put my number in this report.

Santander Consumer USA Inc. is a complete ripoff. I have had my car for 3 years and I have been making payments on time, until I fell ill and could not work anymore. I was only receiving unemployment, which was half of what my car note was. My car note was $465.53. I was given 4 deferments to help me catch up my payments but not knowing that even with the deferments I was given, I still was being put in the system as behind on those 4 payments. I started making partial payments and paying what I could, like I was told to do by several supervisors there.

My car was repossessed in April, and I was told to send a payment in for $935.00 and I would get my car back. Well, after borrowing the money from a family member, I paid that amount and Santander told that if I would have paid that amount before the repo came and got my car, I could get it back. So, they refused to release my vehicle until they received another $935.00 from me and it took to a couple of days to find another family member that would help me out. So, finally, after sending them $2,000.00, I got my car back and that was the complete amount I was late on.

Two months later, with only one payment missed, Santander say that I owe them another $2,000.00. I have had my car for almost three years with a payment of $465.53 a month and I have made a total of 20 payments. My car value as of today is $8,000.00 and Santander is saying that I owe them $20,000.00 for a $8,000.00 vehicle. I am sorry but they will never receive another penny from me, and I have filed bankruptcy to get them off my back and to stop them from harassing me. They call me non-stop from dust to dawn and even after I told them not contact me and after I have sent them bankruptcy papers, they are still contacting me. Are these people crazy or they just don't give a dam to respect someone's issues?

They call 10 times a day and never leave a message. Horrible company.

My auto loan was originally through HSBC. I guess they went out of business so the loan got transferred to Santander. I have experienced the worst customer service ever. None of the people in customer service or the title department seem to be on the same page. Ask five people the same question and you'll get five wildly different answers. And hardly any of them speak English. My car is now paid off and they are holding my title hostage. My husband is in the military and we are on military orders to Germany.

A local dealership agreed to buy the car and paid it off. Santander refuses to release the title. Without it, the dealer cannot pay me what they owe me for the car or resell it. This is the worst auto finance company I have ever dealt with. They claim that they are just abiding by state laws when in reality, they are just making up their own arbitrary policies. I called six random used car dealers in WA and no one has ever heard of these supposed laws Santander is making up. Now, because of them, I have to leave the country with this business of my car completely up in the air.

I received calls (rude and arrogant) about my son's account and I told them I have nothing to do with this account.

They call me day and night. I told them I would report them to consumer affairs and they stated that I couldn't do that. I wrote numerous letters of complaint but they still call. My son and his wife had the account moved to the 15th of each month but they call on the 1st through the 15th.

My original loan was with Citi in April 2006. After six months, they sold the loan to Santander. The original loan amount was $17,245.87. At this point, I have paid $28,744.53. I was late with one payment in June 2008. According to Santander and all three credit agencies, I have never otherwise paid a payment late. Yet, with only a few payments left, my payoff balance is $16,839.87. This means that out of the $28,744.53 (on time payments), only $406.00 has gone to principal. Keep in mind, I only had one late payment in five years. It is not mathematically possible to payoff my vehicle by the term end date. 99.9% of all payments have gone to interest. By the way, my APR is not 99.9% or even close. I am unable to get any answers from Santander regarding this situation. I've talked to my bank's financial manager (who has been in that position for 23 years). She said "she has never seen anything like this". She reviewed my original contract. She concluded that my balance should be approximately $4,100.00, with most of my remaining payments going to principal. She advised me to speak with an attorney regarding usury laws and fraud.

I was contacted by this company through mail about my payoff of $925.00 and its maturity. I would receive phone calls ten times a day and the staff was rude and demanding. There are 118 complaints against the company and no one has taken into consideration how they are being harassed. It's not right to anyone paying taxes and I would like this matter looked into asap.

This is regarding Santandar Consumer USA. I have made 58 payments out of my 72 payments for a 2005 Mazda 6. There is still a $13,000 balance due on the car loan. I have paid over $30,000 in payments (original amount of the loan was $22,000) so far due to high interest and finance charges. I sustained a 75% loss of income as of February 2010. I continued making payments to Santandar, although I was 60-90 days late, but they did receive a payment. They repossessed my car on 8/26/11 as they didn't want to wait any longer for their payment this month but never actually spoke with me other than leaving messages to call them. My car will be auctioned off sometime next week. I cannot pay any difference at this time due to lack of income.

Santander had my car repossessed even thought it had been paid for 2 1/2 yrs. CitiFinancial received my final payment at the same time that it was declaring bankruptcy with the federal government. I believe CitiFinancial sold my account to Santander to get money for their own debts. Santander refused to send me my clear title. I requested it at least twice in writing certified mail. On August 2011, Santander illegally repossessed my car and I have not heard anything at all from them. I called numerous times and no one will call me back. What can I do. They stole my car.

I purchased a car. I had it financed through Santander Consumer USA. At no point did I ever set up automatic e-payments from my checking account with this company. Due to economic times, I am no longer able to meet my repayment agreement. So, I wrote to them both in email and via post office that I wished to surrender the vehicle. A week after, the requests were submitted to Santander. They debited my checking account $349.49 without my authorization. And they continue to call and harass me both at work and on my cell phone from 7am to midnight (literally).

I needed to get my husband's name off because he was deceased. I also needed to get the car registration changed from VA to MD. I started the process with Santander on 6/29/11. I faxed all info to them to complete both transactions. I called on 7/13/11. They could not find the request I faxed from MVA. I faxed the request from MVA again. On 7/29/11, I called Santander. They claimed they had all info. But there was no notation on file as to where it was. They suggested that I wait a week and they would be able to tell me what was going on.

I called MVA on 8/22/11 to see what the holdup was. They had not recorded anything from Santander. I called Santander. They said they had my cover letter on file which stated that there was an attachment. But still, they did not have the request from MVA for registration. I faxed this for the third time. And again, I elicited a promise from Maricela that she would call me when it was recorded. She finally did. But she said she would send it to appropriate department and call me with the tracking number. True to the Santander way, they did not call. On 8/30/11, I called. And the information went out on 8/25/11. Finally, something was done right. I stayed in all summer waiting for this to happen.

I purchased my 2005 Chevy Malibu from Chevy and it was financed with HSBC on 05 May 2005. I was late with two payments and filed for bankruptcy on 05 October 2005. I kept the car during the bankruptcy along with my mobile home. After my bankruptcy in October 2008, I then was two months behind. On April 2009, my car was repossessed. During that time, I was in the hospital with heart problems just after having gall bladder surgery. I explained that I was in the hospital and asked them to wait for my payment when I get out. Well, while I was on the phone with HSBC, my car was being impounded. When I got out of the hospital the next day, I contacted HSBC. I wired the cash and picked up my vehicle.

Several months later, they sold the contract to Santander Consumer USA. My payments had always been on time and never late again since getting my vehicle back. Since May 2011, I stopped receiving statements from Santander. I contacted them and told them that I was not receiving my statements. I was still mailing in my payments on time knowing that my car would be paid off on 02 July 2011. Well, I found out that Santander has been charging a simple interest charge on top of my original payment and interest. So now, they are telling me that I have another $2,668.65 to pay off since my late payments with HSBC were charged this extra interest.

Well, it basically comes out that $100 was going to my payment and $433.73 was going to the interest each month. I never heard of such a thing and my statements never reflected an extra fee or charge. I can't believe this is happening. I asked for copies of the contracts and all my payments from when I was with HSBC then to Santander Consumer USA. I have yet to receive any paper work or statement to this date. I have phoned numerous times, and as of 31 August 2011, I have not yet received the paper work or a statement for September. I was told that I need to pay off the extra interest and that they use Google simple interest calculator. I told her, "You have got to be kidding me." The last year and a half, I have had gall bladder surgery, delicate spinal surgery, and was hospitalized for heart problem. This is not helping my stress level at all.

This company is charging me an outrageous amount of interest. After referring to my original contract, I saw that we have a fixed interest rate. I have asked for a loan remodification due to several lies happening and have been told that we do not qualify due to the fact that we have used up our deferments. This is not true. With this information regarding our interest rate, this loan should be remodified based on truth and principal. This country is trying to rip us off and we won't stand for that.

They took over an auto loan and called me about 10 times a day (caller ID) while I was on vacation. When we spoke, they told me that there was an additional $143.00 that I owe them. I asked from where and the person on the phone had no answer, so I requested a validation of the debt in writing--it has never come. Now, they sent me a letter stating that I owe them $304.00; however, I spoke with a representative last night and he again stated the $143.00 amount. I sent them another email requesting a validation of the debt in writing to the company today.

Their auto dealer continues to call my home and cell phone. They don't appear to want to answer my question on paper but to have me acknowledge verbally some debt that I don't believe I owe. Based on my Internet searches, this seems to be common with this company. During my discussion with their representative, I asked if they were a licensed debt collector in California. They said yes but did not provide a number.

They are trying to extort money from me after over paying my loan off a few years ago. They are saying that they will settle for $750 more when I already had over paid the loan three years ago. They made false reports on my three credit reports and took my score down 100 points! I told them that the loan has a zero balance but they are saying that it still has a $4,000 balance. I have a print out proving that no money is due to them. They are loan sharks and need to be put out of business once and for all.

How do they get away with cheating the public this way? Banks like this are the ones causing the great recession in this country. We, fools, allowed Bush and the congress to pay them bailout monies from our tax dollars, which is the same exact thing that happened in Russia before communism! The banks failed, the government took money from the public to bail out banks, and they still failed. Greed must be punished! Obama and congress must be punished! Life in prison for these criminals!

These people are the absolute worst. They took over two separate auto loans: the one I co-signed for my fiancee and the other I co-signed for my daughter. They lost my fiancee's and my daughter's July payments. Wow! What a coincidence! Even though my daughter had sent a "re-placement" check and a check for this month, they continue to ring my phone. My fiancee's car is already paid off but I believe (and I am checking documents and bank records) that they overcharged her via extra payment and mysterious charges at payoff. (*Note: I am still waiting to receive her title).

In 2006, I bought my car for 25,000 +/-. Its 2011 and my payoff is 16,000 +/-. I got a printout from their website about my payments and found that there were instances were 14.00 was applied to my principal. The next month, 316.00 was applied to my principal. The next 4 months, NOTHING was applied to principal.

I contacted my attorney general and sent them the printout, and explained to them my concern. The car now has 200,000 miles, a trade-in value of 3,000, and a balance of 16,000. I'm going to try to wait and hear back from the Massachusetts AG. When I was explaining the situation to the state representative, she was HORRIFIED. Hopefully, something comes good out of this. I will keep you updated.

GE Money Bank sold my loan to Santander in error, they showed we were past due. It took me two days to speak to a representative who told me that my account was current but because we filed BK 2006, they could not send us pmt coupons and she was not sure why GE sold our account. I attempted to set up an online account to pay but I could not. I tried to reach someone by phone many times today, waiting over half of an hour, with no getting anyone on the phone. My credit report was suppose to reflect, included in BK per the representative, however it showed seriously past due (incorrect). The representative said they would correct and it is still showing. We reaffirmed this debt and have paid it on time since our BK, we even paid more than minimum payment. They are making it so hard to pay our payment, it is not right.

My account was sold from Citifinancial to Santander as of Sept 2010. I noticed that they were very aggressive in collecting payments even when the payment was not due yet. I opted to set my account up on ACH December 1st 2010. I have never been late and was always on time.

On August 16th 2011, I received an email that my scheduled reoccurring payments were cancelled as of August 31st and that there are no future payments pending. My payments are due on the 17th of each month. I checked my account online to see if there was anything pending and nothing was there. I called the customer service and spoke with one of their representative who confirmed that there was nothing pending to draft August 17th and that I needed to make my payment.

I went ahead and set up my ACH to draft again and on August 18th, Santander drafted two payments and overdrawn my checking account. After I spoke with Derek ** who was a manager there and was rude, I was frustrated as he told me that I needed to obtain a bank statement as screen print-outs will be no good enough for their accounting department to refund me back my payment. I stated that I am in the middle of a cycle and bank statements will not be issued to me until the end of the month. He told me that I would have to wait until then.

Mind you, I have no money and my account is overdrawn. I have never met such disrespectful, rude and customer unfriendly company in my life.

I have had a loan with them since December 2008. Some of my payments are missing and I'm being charged late fees every month even if I make my payments on time. Sometimes as much as $200.00. I will never get the loan paid off at this point. They call 15-20 times a day from many numbers.

When I called them to discuss payments, they will never work with me on them; they just demand payment. I've also sent them a letter asking them to only call the allowed number of times a day, set by the FTC, and they have refused to do so. I'm thinking of just turning in my car to them and being done with it. From what I read online, even when you pay the loan off, they won't leave you alone. How can we stop them from their unfair debt collection practices?

They call constantly and won't work with me on payments which causes stress, worry and sleeplessness..

A payment was sent on August 5th, 2011 via electronic payment from the bank. I received a call on Monday, August 15th about the overdue payment. I checked with the bank who verified that the payment had been accepted electronically at Santander and provided a tracking number. I called on August 16th and provided tracking number. It was entered in my account information. I received multiple calls today, August 20th. And finally, I spoke with a representative of Santander, who demanded immediate payment and denied receiving payment or transaction number. She wanted the bank to provide information. I informed her that I was filing a complaint with the BBB. And I told her that I would file complaints with the Attorney General and a legal complaint if the harassment continued and they did not find that payment. Then, she admitted that the information I provided was in my account. No one had done anything with it. She still wanted payment arrangements. Finally, she said she would turn it over to her supervisor. This is not the first time Santander has failed to process payments in a timely manner.

We had a loan with CitiFinancial and it was sold to Santander. We have had ongoing issues with them regarding harassing telephone calls. Within a day or so of the payment being late - they start calling. They use multiple numbers to call from and they don't leave a message. They call our home number and my husband's cell phone repeatedly. Again, as soon as a voice mail comes in, they will hang up and call again. The final call came last night (8/17/11). They wanted to know about a past due payment (a few days late) and we asked for a payoff. My husband was told they couldn't take that much over the phone because they were told that it would be a direct from bank payment. They were also provided the information five years ago to change my name on the account as we got married but, to date, this still isn't done.

A full payoff was sent to Santander on June 15, 2011 and I had auto-pay set up from my checking account. On June 20, 2011, they debited the July payment from the account. I noticed this the very same day that it happened and called customer service.

I was told by Kakiesha ** that they would put the money back in my account within the week and I didn't have anything to worry about. I waited a week and called back to check the status of my refund. The CSR Erika told me that nothing was ever done to my account. I asked for a supervisor whose name I didn't write down. He told me I needed to fax a copy of my bank statement over to the ASU Department. I did it immediately on June 24, 2011. The supervisor told me that I should receive my money back in about a week.

I waited until the middle of July and called them back, still waiting for my refund. I spoke with CSR Erika, who told me that it would be 30-45 days to receive a refund and that the ASU department was handling my refund. At this point, I was already furious; I asked to speak to a supervisor.

I was connected to Shalan. Shalan was probably the rudest supervisor I spoke with in there. She would not listen to my concerns. She told me it was my fault that they debited my account and that I should have unsubscribed to the auto-pay before I paid off the car note. I acknowledged my oversight and asked her why every person I spoke with gave me a different story about what process I need to follow to get my money back. In a very condescending tone, she said it would be 30-45 business days and there was nothing she could do to expedite the matter. I said thanks and hung up.

I called back on August 12, 2011 and spoke with a CSR named Alexia. I explained again, for what seemed like 20th time, what my issue was. She stated that it would take 30-45 business days to receive my reimbursement from the ASU department. I told her I was aware of the timeframe and wanted to see what the status of my account was. She said that no check was issued as of yet and that these things take time.

I asked to speak to a supervisor and I was connected to Clint **. He listened to everything that I had gone through with Santander. He pulled up my account and said that he would set my account to be escalated and was not sure why none of the other people I spoke to had done this already. I expressed how upset I was and he told me that when I had first called on June 20, 2011, Kakiesha ** could have put the funds back in my account because I called within seven days. I called the same day!

I also asked if it is common practice for a supervisor (Shalan) to be so rude to customers. He apologized and told me that he would send my file up to a representative to the president of the company and that I would receive a phone call the following day August 13, 2011. I never heard from anyone from Santander.

Today, August 18, 2011, I called Santander and spoke to CSR Sophia. I asked her what the status of my reimbursement was and she told me that no check had been cut as of yet and that they had three more days to get the check out. I asked her why I never received a call from a representative from the office of the president and she said she didn't know. I asked to speak to Clint Carnegie and was told he works the night shift so I asked for a supervisor and was connected with Lenard.

Once again, I told him my story and he told me to be patient and I will get my money back. He told me that they had three days left to get the check out to me and I need to just be patient. I told him if things were handled properly when Kakiesha ** picked up my call back on June 20, 2011, I would not have been calling them, getting more and more upset with every call. This company is honestly the worst I have ever dealt with!

They call me five times a day and harassed me for money that I owe them. I have tried to talk with them about making payment arrangements to pay the loan back by my brother-in-law, but they refused. The harassing phone calls are driving me to get a lawyer and sue them.

On 11/30/2010, I purchased a 2007 Chevy Uplander 4D passenger van from Carmax in Columbia, SC. Santander Consumer USA financed the vehicle. The total selling cost of the vehicle was $16,795. I paid a down payment of $5,272.40. Per the retail installment contract, the annual percentage rate is 24.99%. The amount financed was $11,522.60 and the amount of the monthly payments is $313.55.

The first payment was due January 14, 2011. I paid the first payment in December, 2010. I was very dissatisfied with the interest rate of this contract, but was unable to obtain other financing. I spoke with a representative at Santander in February about the process to pay the car off early. I was told that I would have to pay three months ahead and then payments after such time can be requested to be applied to the principal balance.

It was at that point that I realized they are also charging me a per diem rate of $7.18 a day on this loan. The per diem rate was not told to me at the time that the contract was signed, nor was I given an opportunity to read the contract.

On May 5, 2011, I sent a check for $940.65, which is the equivalent of three monthly payments. At that point, I should be four months ahead, right? However, when I sent another payment on 7/1/2011, Santander Consumer applied the entire payment as interest on the account.

I had written on both the check and the remittance that I would like the payment applied to the principal balance, just like they previously told me. I spoke with a representative and a supervisor on 7/11/2011, who both informed me that the payment was applied as interest due to the per diem rate that is based on the interest rate on the loan.

This information was told to me before. I have sent them another regular payment for August and it has also been applied as just an interest payment. Today, 8/15/2011, another representative says that the payment will also remain applied as interest.

I am both upset and disappointed at the practice of this company and would like very much to just not have to deal with them anymore. I need help. I have tried to reason with the company, to no avail. I am trying to avoid a volunteer repossession.

Issue number 1 is I was not told that there would be a daily charge on this account based on the interest rate at the time that this contract was signed. I was not given time to read or negotiate any other terms. Issue number 2 is I have attempted to pay this loan off early but Santander is making that impossible with their practices. I no longer wish to do business with them and would like my down payment back because they have collected that and enough in interest already.

This vehicle isn't worth but around $7,000 right now. According to them, I owe over $10,000. At the rate that they are charging, by the end of this loan, I will have paid $28,000 dollars for a vehicle that won't be worth $28. Please advise. Thank you.

My car loan was sold to Santander by Citibank. I had a good history with Citibank. These people are harassing me by telephone to my work, my wife's work and our home phone, calling minutes apart. I was out of town for my sister-in-law's funeral and the payment was late. I returned to work to be told that I was receiving so many calls from "some kind of call center". It was very disruptive to the front office. I can't believe the lengths they go to in their collection efforts, including automated calls and persons calling at all hours of the day or night. I am current and just received an automated call early Sunday morning. I called them. And they stated my payment was "4 days late". The payment was due on Thursday. And it was made on Friday electronically, but not credited yet. I called them and they told me that I have to fax them a cease and desist request or they will just keep calling me. This company is ruthless and harassing in their collection efforts. I believe they need to be investigated.

Very, very rude. I asked for a statement of what I paid but they said no, they will give me one in January 2012. I said now and she said, "I will sleep tonight; you won't."

I was the primary on a loan with CitiFinancial. This is not my vehicle, but I signed as the primary. Now, Santander took over this loan.

What we discovered was that they do not "own" our loan. My advice to others is to determine whether Santander "actually" owns your loan or not. If they don't own the loan, they have no right.

They have the right to try to get money from you, but they do not have the right to put it on your credit. The cosigner had it removed from his credit because Santander did not own the loan. They have not threatened us with repossession because, they do not own the vehicle. The lien is not in their name either. In some cases, Santander may actually "own" the loan. However, in our case, Santander was a "service company" and has no right to collect, put on credit report or even repossess, since they are not the lien holder. Now, granted, they state they have power of attorney. However, this may be limited to producing the title after payments are made. Not sure if power of attorney would authorize repossession, but I am guessing not, since they will not let us know if they can repossess.

The best course of action I can suggest is to determine if Santander actually owns your loan and if not, move forward to have it removed from your credit report in writing. One attempt at credit removal was unsuccessful because for the "type of loan", Santander puts auto. However, if they don't own your loan, dispute in writing that you require proof that they own your loan.

I just want to begin with the fact that this company is a rip-off. Throughout my time with this company, I would try to decrease my total balance by paying an extra thousand here and there when I had it, but besides the ridiculously high interest, this company would also take my payment and just put it toward the interest. After 2 years the total balance only decreased four thousand dollars yet my payment were 671.25.

Well, I finally decided I needed to refinance with a company I trusted, Capital One. When I did so, I was waiting for a payment to Santander to clear, but my balance got paid off on the 27th of July. My payment finally cleared on the 29th of July. Though I saw a zero balance on my account on the 27th, Santander claims to have had a difference from the payoff quote that was given even after two payments since that quote was obtained. So when they received my payment after a zero balance was already shown they decided not to return the full payment. No, they are only returning 519.78 (a whole 151.47 less than paid). How can they possibly think that I would be okay with this? They stated I still owed them because of that difference, yet it was zero days before!

So, I called three days ago and they say they were sending my claim to their manager and to call the next day. I gave it a few days and talked to a manager today. She stated that the account is still being reviewed and that she will send it again. This has been a process to even talk to someone who speaks clear English and when I did they still act as if I am getting a good deal by getting 519.78 back! They told me to call again tomorrow. I will be calling a lawyer if they do not resolve this. It takes twenty phone calls to get anything done and when they have anything to talk to you about they call five to six times a day from multiple phone numbers and it usually is about something that is not that urgent. I do not recommend this company to anyone unless they feel like spending way too much money and getting ripped-off.

My original auto loan was financed through United Auto Credit. They went out of business and Santander bought my loan. I was not notified in a timely manner that UACC was going out of business or that Santander was the new owner of my loan.

I have been making payments to Santander for a few years now and have been receiving harassing phone calls up to 15 times a day because my loan maturity date has passed. Even though I still make my payment on the day it's due and for the scheduled amount, they constantly call and tell me my account is past due and are reporting me as a late pay on my credit report. Santander is insisting that I pay them a total balance due of $1,200 in order to pay off my car loan.

I will never do business with them again, as I believe their practices to be unlawful and harassing.

I have been told by this company for the past nine months, since December 2010, that after I make 30 payments, they would do a re-modification and lower my monthly payment.

Well, after I made the 30th payment, they said that I was not qualified for a re-modification, because I had used up all the deferments. But that is not what I was told.

I traded my vehicle that was financed through Santander into a dealership on a new car. I called Santander several times and told them to please make a note in their computer that I traded the vehicle in and gave them the dealership's name and phone number. I also told them that they would be paying off the vehicle.

They were very rude and wanted me to make a payment of $591 or they would report me to the credit bureau. I was not even 30 days late. So I went to the dealership and told them how they were threatening me and they sent the payoff that same day.

A few days later, I received an email and a voicemail from Santander that they had received the payoff.

Santander reported to the credit bureaus that I owed them for a car loan from Drive Time Financial. The car was totaled and my car insurance company paid Drive Time Financial off.

I was never contacted by Santander regarding this debt. I noticed them on my credit report. I wrote them a letter requesting documents, proving that I owed them money. The letter was sent on January 5, 2011. As of today, August 4, 2011, I have not received any documents from Santander.

I am trying to have this removed from my credit report. Santander continues to update and report this to all credit agencies, but have not been able to provide any supporting documents. I would like this to be removed from my credit report as soon as possible. This has caused problems with getting other credit.

They repossessed my vehicle 4 years ago "after" giving me a two-month deferred payment (paid over 3000 in fees) to get my vehicle back including rental vehicles, etc. My vehicle was "driven" almost 200 miles from my home and then I had to pay hundreds of dollars in storage fees to the low class, scum repo company that had it.

My vehicle was paid off 5600 in Sept. 2009 with Road Loans/Triad Financial. I have filed for two lost titles; The company would not mail the title to me after the pay off. My vehicle has been licensed and insured in my name, address, etc. with the DMV and here we are almost 2 years later; I got a message from a friend of a friend, of a friend in my neighborhood that a skanky man was going to people's houses looking for me to repossess my vehicle for non-payment! I called Road Loans and this was the first I have even heard about the company called Santander that supposedly bought out Road Loans/Triad (which was a lie). They have three names and numerous addresses.

There is a man calling people in my neighborhood, telling them that he is looking for me to repo my vehicle for non-payment. I called the number that he gave and he was a low-down, piece of **. He claims that he is a Private Investigator. Well if that's the case, then he knows who I am and what I can be. So just like I told him (and Santander CS who were also low down, ** in the way they presented themselves on the phone), come and take my vehicle. Opposed to sending me my clear title. When you do, be prepared because the rock that you are hiding under is about to be crushed! You don't have to fear me, but just a word of advice. FEAR GOD because HE is My Saviour and through HIS work, in HIS time, you will be stopped!

I had my original car loan with Citifinancial Auto. I was not notified that they sold my load to Santander until I went to pay online and was unable to. Found out they sold it to Santander but I never received the new account number they assigned to me so my payment was late. I finally received it a month later. Santander called even before my due date and if I was a few days late I received many harrassing phone calls at home and work at all hours of the day and night. Finally I was on my last payment to them and I get a phone call that I owe a balance of over $1700.

I asked what for and was told I could pay over the phone and it was for accrued late charges and fees. I told them that before I paid anything I wanted to see it in writing I am not going to pay anything over the phone unless I know what it is. Was told very rudely that they would not mail me anything and that I would just have to pay the amount to get my title. I refused and this has led to continuous harrassing phone calls. I have asked several times to several people( no one will give me their full name) to send me something in the mail and being constanly refused. Again I state that I will not pay until I know what it is for. Well needless to say they came in the night and now have my car.

I tried calling the number they gave me and could not reach anyone. I called Santander and was told that I would have to pay over $1900 now plus a $400 fee for the car and that it had to be paid by money gram express and then I could get my car back. I asked again could he please explain why I owed this money and was told this time that my loan had not matured even though I had made my 60 payments. I asked if I could get something in writing and was told not until after I paid the money they say I owe. I mentioned that this was a different story then what I was previously told. I know my next step after reporting their fraud is to call a lawyer and see what my next steps are. Never do business with Santander!!!!!!

I had a loan with Citifinancial. They sold my loan to Santander. I received notification of this over a year ago. The correspondence indicated that nothing has changed on the loan; just to whom the payments were going to.

My loan is due to its closure; however, on my last statement from Santander, it did not disclose that information and after my last automatically set-up payment was made on July 18 2011, they started calling me the following day stating that the remainder of the balance was now past due. The final payment should be due at least 20 days after my last payment. They will not send me a copy of my loan agreement and said to call Citifinancial. Citifinancial told me that Santander had all information on their old loans.

No one is giving me anything. Santander is stating that I am delinquent on my account when I have been on time all the time during the course of this loan and signed up for automatic withdrawals every month. They state they are charging me late fees on my balance every day until I pay the remaining balance off. Help!

They charged us $2,200 in additional interest that they attempt to explain off but refuse to prove other than sending us a list of our payments and basically telling us to do the math. They refused to settle.

When I finally acquiesced to pay it off entirely, they refuse to take the full amount over the phone or online. They want to drag it out further to make more interest accrue on the account.

Santander Consumer USA took over my car loan from CitiFinancial Auto in September 2010. For some reason, my car loan got a year longer than it was originally with CitiFinancial Auto.

The day you're late on your payment, they call and they call from different numbers within minutes apart and they don't leave messages, they just keep calling. The people there are so rude! I told them (I don't know how many times) to please stop calling me at work but yet they continue to do so more than once a day. I am going to lose my job if the calls don't stop.

My husband and I had an auto loan through Citi Auto Financial since 2007(never missed a payment, was on auto pay with Citi). They sold the account to Santander (again never missed a payment and was on their auto pay). We traded in our car on 7/6/2011 and the pay off was completed by the dealer with a remaining balance of only $97.67. I called to make the final payment and their Western Union Services does not allow payment under $100 (Why would I pay $100 when the payoff was only $97.67?!). Then on 7/20/11, Santander withdrew a payment of $525.84 from my checking account. That's a $425.54 overpayment which resulted in an overdraft fee on my account.

I have now been trying to get a refund for the last two weeks. When I attempted to call Customer service at 877-222-4227, after the runaround with the automated system, I got connected with a CSR. The CSR was extremely rude and unwilling to help. She stated that the refund will be processed at the end of August. That's unacceptable I told her. I asked to speak to a supervisor, after holding for ten minutes, I got transferred to Tanisha ** who apologized about the withdrawal and will send in my request for the overpayment refund immediately if I can furnish a copy of the banking activity of the withdrawal. I have faxed the information as requested and have not received any information since. I have called again but with no success. I read on the post about calling a Ms. ** at **, I did that today and left her a message. No return calls yet. What else can I do to remedy this quickly? This company needs to go out of business immediately! (After they return all the funds they fraudulently stole)

My loan was sold to Santander by another loan company-- without my knowledge. I recently signed up online with Santander, and went through my payment history. I noticed that the majority of my payments were taken for interest. There were times I sent $1200.00, and only eight cents ($0.08) was applied to my actual loan. I called the company to question them. I was passed around from representative to representative. When I asked to speak to a supervisor, they told me they would call me back. Each month, even if I pay on the same day of the month, the amount they put to my loan is different (if any money applied at all). I had representatives who were very rude and disrespectful; hang-up on me, and laughed at me while I was trying to rectify the situation. I asked how much my interest rate is and they told me it depends. One time, I paid my loan two weeks before the date it was due; the following month, I paid on the actual date, and they charged me a fee for paying early.

I also asked them to send me a copy of my original contract, which I have in my possession. They are charging me $12.00 more a month than the contract that I signed. I told them I have the original contract, they told me it does not matter because they have the one with my signature that said I signed the one for the higher amount. This is not the truth to it. I asked them to mail me a copy; they told me they would, and gave me the name of a person that would call me back.They never called back; so, I called them back. I was told they passed on the message, and that was all they can do.

My loan has now been pushed back by two years because they are not properly applying my payments to the loan. They are just applying it to the interest. They told me this is because it's a simple interest loan. This company is a nightmare. They have fraud written all over them; so why are they getting away with this? There are thousands of complaints made for the same issues. Why are the still in business? I have a girlfriend and CitiFinancial sold her loan to Santandershe is now going through the same nightmare. This should be the start of a class action lawsuit. They are indulging in illegal behavior, and ripping off hard working people to keep them in the loan.

I was trying to pay off my loan quicker; so, I started sending extra money with my car note. It became discouraging because they were keeping all the money for interest, and nothing towards the loan. I printed all of my documentation offline for proof. I made the mistake of telling them. Now they keep blocking my password; so, I can't see my account online. We all need immediate help with this situation badly. Our credit is at stake. They falsify documents because they falsified my original loan agreement. I have called and argued so many times. It's very overwhelming. This company should be put out of business, and also be made to pay everyone back that they have stolen from. Do you know any good attorneys? Please, let me know. This is not in my past. I am still living this nightmare. I continue to pay until I seek counsel.

MARVA in MESA, AZ

Go straight to a lawyer! What Santander did is illegal. It is illegal to use any force, show of force or other "breach of the peace" while repossessing anything! This is the law in all 50 states under the Uniform Commercial Code.

It is also illegal to break into private property to repossess a vehicle.

In some states if the law is broken during the repo, then the lender cannot get any money from the borrower over the amount the vehicle is sold for at auction. I don't know about Arizona.

It is also illegal to repossess when the loan is not in default. If they repo when the payments are current, it is considered stealing and you can sue them for the full value of the vehicle!

I purchased my car in 2006. United Auto Credit, who originally had my account, got bought-out by this crazy company, Santander. I have never been late on my payments, have never put my account in deferment, or anything. Now that my car is due to be paid off this month, they are trying to say that I owe them from payments I didn't make in 2010. I went to my bank and got copies of the checks. I paid them, and everything. They are very rude and still will not take the charges off. They say I have an interest on my account and will not give me a printout showing anything. This company needs to be put out of business as soon as possible.

This company is full of liars. Once the loan is paid off, the original title of the vehicle is supposed to be released to the client, unfortunately these people do not know how to do this. First, they sent me an email with the address and the release date of the tittle, which it was ok. I was in the process of moving, therefore I called the same day as the email was received and spoke to a representative and specifically said to change mailing address since i was moving. I repeated the address a few times just to make sure.

Few weeks later, title lost. According to them it was sent to my original address, first lie, then that they will mail me a release of lien immediately, second lie, never received. Later, that the title was sent back to them and the mailed to the second address i provided, third lie, never received again. So I called back again and had them overnight me a release of lien. The said that the company does not do any overnight deliveries since they do not have a fedex account, fourth lie. I asked to speak to a supervisor and they agreed to mail me the lien while the original title was retrieved. Two weeks later, Original title completely lost. Called back, and representative states that it was sent to an address which i do not even know, fifth lie.

They keep me on hold for a few minutes, another rep. said something completely different, and finally when they decided that i can speak to the manager, He says it is not their problem. That the title was sent to the address that i requested. Another lie. Now i have to pay again for the title that i already paid. Unbelievable, since i am not their customer anymore, they do not care.

I have been told by this company for the past seven months that after I make 30 pymts, they will do a remodification and lower my monthly payment. Well after I made the 30th payment, they said that I was not qualified for a remod, because I had used up all the deferments. But that is not what I was told. You can go back and listen to the recordings between myself and Santander and there was never a single time that I was told that I would get a remod only if I had not used all the deferments allowed to me. They have lied for the past seven months.

My daughter's car loan was taken over by Santandar from HSBC; no problems with HSBC. I am a co-signor on the loan. The car has needed major repairs and my daughter got behind on her payment by 30 days. I attempted to pay current but a mystery fee of over $100 - $150 with no explanation does not allow anyone to catch up. I asked for a payoff to get a loan and get them off my back.

The company must have hired the most rude and inconsiderate people around. I didn't seem to get them to understand that the reason for being late was that the car was in the shop and when trying to catch up added fees did not allow. I decided to trade the car to get rid of two headaches. I spoke with them on the phone and they said no. I did not have two months payment but I was trading the car in and new loan would pay off current loan. The car was repossessed within the hour. Talk about low down and dirty. I do not have monies to pay for the car after getting it fixed but I explained to the representative that the car was being traded today and that they would have their money.

I didn't quite understand why they repossessed the car now with less than two months behind. I need help to understand next steps. They are not a consumer friendly company and people are right, they need to be stopped!

My 2004 Nissan Armada was taken from me based on false statements by the company Santander. I received a phone call in Nov 2010, from a very rude female by the name of Vanessa who claimed that I was three payments behind and that if I did not pay the amount of 1,500.00 by the close of the business she would have the truck reposed first thing on Friday morning which was the day after Thanksgiving. I made every reasonable effort to explain that a mistake was made and that I did not owe three payments.

My loan was sold to this company which originated with Citi-Financial who sold my loan I never had any problems before this company took over. I explained that I had proof of all of the payments she refuse to hear anything I had to say. Friday a tow truck driver showed up at my house to take the vehicle, I showed the tow truck driver my poof of payments and he asked me to work it out with Santander, Consumer, I called several times, but everyone that I spoke to was very rude and insisted that I turn the truck over, I was in the process of moving when this situation happen I moved in with a family member for two weeks until I was able to locate a new home, in May2011, as I sat outside with my kids a car came speeding up in front of my house a man who I had never seen before began asking for me I panicked for I did not know who this guy or where he came from, the guy became upset when my kids told him I was not home, he then ran to his car and returned with one hand gun in his hand and one gun in a vest that was strapped inside a vest, by the time I informed the local police the guy was gone.

There were two guys but only one of them approached my family, in the next three weeks someone broke into my garage and place a GPS tracking device underneath the vehicle. After the guy showed the guns I did not want to keep the truck any longer so I was afraid to do anything except hand it over I called the tow truck driver Frank who came to my house to retrieve the truck and tried to take advantage of me by kissing me twice on the lips and invited me to have an intimate friendship with him, I declined and I have text messages from him after he took the vehicle. The car was auctioned without my knowledge I had a relative that was willing to pay the remaining balance of my loan, however Santander Consumer had auctioned the vehicle without my knowledge. Santader is harassing me for a balance of 12,757.00

Constant phone calls after one day delay. Refuse to send title after payment made in full, kept stating I still owed money and refusing to send title. Will file against them in court. Did file with Dallas BBB.

This company blatantly violates the consumer rights of their customers. I originally got my auto loan through HSBC and then in October 2010 it was transferred (bought out) by Santander Consumer USA. This company constantly calls their clients the minute their accounts become one day overdue. They have called my house and my job, morning, noon and night starting at 8:00 a.m. even on weekends. Sometimes they don't stop calling until after 9:00 p.m. Consumer law dictates that a creditor cannot start calling unless your account is more than 30 days overdue. Well, this company calls as soon as your account is one day overdue and they keep calling.

I called them back after they left a message because my account was 5 days overdue and asked to speak to a manager and they started with the 20 verification questions they want to ask you to wear you down so you end up hanging up on them in frustration. I told them I don't have time to for the questions and I gave them enough information. The individual on the phone continued to try to ask me questions and I hung up. I have asked them to stop calling me and informed them that they are violating multiple consumer laws but they continue to do so. There are literally 100s of complaints against this company for exercising this practice and something should be done. I could lose my job if the calls continue. My daughter is afraid to answer the phone.

I called the next day and spoke with a Mrs Christy Walker, the floor manager of CS. She told me that I should have deposited the check when I first recieved this and I would not have any problems. I went biserk on her and proceeded to curse her out. The funds should have never been deducted from my acct in the first place. We both calmed down and she gave me her direct phone number to her office 817-605-4911. She told me that if I had not recieved the money by 29May, to give her a call in regards to it so they can work something out. After 4 phone calles, 3 voice messages I have left, Mrs Walker has yet to return my phone call. I also emailed the Office of the President complaint dept numerous times and have yet to hear from them as well. I spoke with a CS rep today and I told her that I will continue to call until I get my overpayment.

If anyone needs to get in contact with a manager, please by all means contact Mrs Walker at 817-605-4911 and tell I sent you. Also tell her that I will post her number on every website until I recieve my payment.

I feel like I was extorted because they wouldn't even give me the where about of my vehicle to get my personal belongings. I would like to come to some sort of resolution that would satisfy the debt that is owed to you and would satisfy the abusive practices of your organization. After speaking with a supervisor by the name of Cindy that has told me that I left your company no choice but to repossess my car, even tho I was paying each month, I don't feel comfortable with your company and the representatives.

I have over 5 voice mail messages but none are advising me of any collections practices. I have done extensive research and I have not been able to find a case were a customer has a car repossessed after denial of a "new" contract. Please review my complaint and please be open.

The modification was signed and returned by 12pm on Friday, May 20th 2011. I have made payments on the Lincoln LS 2000 every month even after the loan matured on January 2011. My credit report and several representatives from Santander have told me that I am over 120 days past due, which was not accurate. I did not know that Citi-Financial was no longer my auto lender until January 2011. I spoke with very rude and unprofessional representatives that told me that I no longer have a loan and that I need to pay over $2000 and my car would be taken. Since then, I have continued with my car payments each month that usually consistent of two payments each month of $165.00.

As of May 20th 2011, my car has been repossessed and is at an undisclosed location. I made several attempts to get the location to pick the car up or at least be able to pick up my personal belongings. At this point, since the company has what they want, it is even more extreme to me to not have the opportunity to get the car or my possessions. I do not know what my legal rights are at this point, but I do know that the car is no longer with me and after this ordeal, I feel that it would be in everyone's best interest if we discontinued our business relationship. Like I said, I feel that this company has reported false information to the credit reporting agencies. I feel that not only have I been spoken to in very confrontational, threatening, and disrespectful manner on several occasions but as a consumer, I have been treated in the same manner. I have paid off every car loan I have ever had and I do not understand how things have spiraled to this point.

I do not want to be contracted with Santander Auto. I have several saved messages on a cellular number that I told them not to call. I do have a phone home number which I have told them to contact me on. I have been called and hung up on by representatives. All I asked this company to do is to send whatever they wanted me to sign in the mail. The amounts due are always different depending on the representative that I speak with. My credit report also says a different amount from the paper I had to sign to get my car back.

I didn't have any means of transportation for 5 1/2 days. My child's car seat and asthma medication was in the car. Santander would not tell me where the car was so I could get my personal belongings. Once they told me where it was, I had to pay more money to have someone take me out of Charlotte to pick up the car, which was about 45 minutes away. I feel strong armed and that the car can and will be picked up for anything at this point. Don't I not have any rights?

I was recently able to pay down my auto loan, however I over paid the loan company and now I cannot get my over payments back. Due to an error between me and my account with BECU, a principal pay down in the amount of $400.00 was debited to my account twice and overpaid the auto loan. Consequently the $400.00 pay down became a payoff of $554.00, which has over drafted my checking account.

I discovered the error on May 12, 2011, when the second debit (in error) was taken out of my account by the auto loan company. I called the credit union regarding the over draft, they couldn't help because the payment had already been "sent" to Santander's Lock Box Company. I called Santander and explained the situation and was told that the funds would be processed for the credit back to my checking account on Monday the 16th.

After many calls to the loan company all day the 12th, and then again on the 13th of May, they told me that because the duplicate payment had already gone through to their "lock Box" payment company. They would need to process the release of funds back to me on Monday, May 16, 2011.

So, Monday, May 16th, I called to verify the information and after another flurry of calls to the auto loan company, I was told that the refund of $247.40 would be credited to my account on June 16, 2011. I begged these people to try to figure out a way to get my over payment to me, as I was told it would be processed on May 16, 2011 and credited to my account. I asked for a supervisor many times and was told that no one else would do anything to help me; it is company policy and that was that. After that call, I made one more call and seemed to get someone without a foreign accent, after 20 minutes of talking, begging and being put on hold, she said that it is company policy and that was that.

At this point my account is over drawn, I may lose my credit union account due to the overdraft and have no money to get into the account until I get my Social Security Disability benefits on June 3, 2001. Now I must decide which of my bills goes unpaid until this loan company's company policy decides to refund the $247.40 next month.

The loan company with no customer service much less a way to help someone on a fixed income is Santander Consumer USA, they are located in Dallas Texas and customer service is in Jamaica; phone number is 888-222-4227. That is the only phone number for them and I cannot get in touch with anyone past customer service. I'm sure if I owed them money it would be quite different, however my car loan is paid in full now and thanks to their lack of customer service, I have an overdraft in my account with BECU.

Evidently my nightmare has just begun, today May 20, 2011. I called Santander and was told it can take 30 to 45 days for a refund. This is the first time I was told "30 to 45 days" for the refund, she argued that I had been told this information on the 16th of May. I stressed on her that this information was not given to me until this call. I asked for the supervisor and was told that the supervisor is on the phone with a "previous" client and I declined to hold.

/finance/santander.html and this is when I learned my refund may never be sent! I have now copied and pasted my account information, just in case the info gets "lost" somewhere within Santander.

Now I will start sending this info to KOMO TV Seattle: Problem Solvers; KING TV Seattle: Call Jesse; and Michael ** [attorney at law]. Please someone research this information and find out why my [our] nightmares continue.

I have missed a payment and have received daily calls from Santander about the payment I have not paid. I asked for a faxed copy and/or e-mail me a copy of the balance due and account number with my name. I was told numerous times that I'll need to go to the website. I stated again that I needed this information because I am trying to get a loan to pay the amount due. I stated that I don't understand all the log in process because I am not trying to log in for payments, but just information.

The ladies from Santander are very rude and not very friendly. They should be bouncers at a bar instead of on the phone for Santander. I have committed to this car payments and what not and have tried my best. I realized how important this is, but there's no need to be an obnoxious pain in the rear.

I had an auto loan through Citi (never missed a payment). They sold it to Santander (never missed a payment). On April 7th, I traded my car in on another vehicle. Pay off was completed by the dealer. On April 22nd, Santander withdrew a payment from my checking account. I have now been trying to get a refund for the last 3 weeks. Customer service is extremely rude. They said I need to talk to the dealer. Dealer says it is Santander's issue. I believe the dealer. Now they have quit responding completely. I feel as though they have stolen from me. This is a complete scam on their part and I will be contacting a lawyer.

I originally had my auto loan with CitiFinancial which was bought out by Santander, and this was with around six months left to go on my loan. I paid every single payment on time and was never late. On the final payment date, I waited for the payment to be deducted from my account just like all the previous payments were. After two days of no payment deduction from my bank account, I called Santander and was told that I had to Western Union (wire) my final payment. First of all, what kind of ridiculous idea is that? You have taken out 2,000 payments already, but you can't take the final payment out of my bank account?

Anyway, I immediately sent the exact amount needed through Western Union. I called Santander and was told that it would take three days for them to process it (by the way, it takes this company three days minimum for anything; they can't tell you anything right away). After several days, I checked online, it showed the final balance was $0.00 and I was all set. After three weeks and not hearing anything from Santander nor seeing my car title in the mail, I called them up to see what was going on. Here's where the circus begins.

After 10 transfers from one clueless rep to another, I was told that they would need to 'investigate' what was delaying my final processing. After two days, I looked online and it was now showing that my final payment was still due! I called Santander back and they said that "Western Union reversed your payment. It will take three days for us to investigate." It took me about three minutes to investigate on my own after calling Western Union (much easier to deal with) and they told me that within a matter of seconds, my payment was sent to Santander on the original payment date and it was never reversed.

I let two days go by, check on my online account, and it is now showing that the final payment was processed. However, it is showing that it was paid 77 days late, which it wasn't. Now, I am in a race to have Santander Consumer USA fix my account before they report to the credit reporting agencies in one week and my credit gets damaged. Next step is blasting every available social network to let everyone know: Do not get a loan or deal at all with Santander Consumer USA. They are a disgrace, along with all who 'work' there! Stay away!

I originally had my loan with CitiFinancial and everything was fine. I finally had reached the last 2 years and they told me I would no longer be charged interest unless I was late. Several months went by, where every penny of my payment went to principal only. I was then bought out by Santander and have been on time. I am now being charged monthly interest even when I am not late. I was late one month by 3 days and started receiving calls 1 day before my payment was due. Once it became due, I was called 5+ times daily for the 3 days until it was paid. When I called and asked about the interest charge, I was told it was because I was late with my payment. It has continued every month since then.

I even made 3 payments in one month just trying to get rid of this loan with them and was charged a lot in interest for each payment (even though I am now 2 month early)! I can't get a direct answer now because every time I call the line is "dropped" or they just keep transferring me to a new person and I have to retell my story All over again. I tried the online chat and kept being told I need to look at my bill again because I am not being charged interest still. Yet, it is on my paper and online bill every month. I do not like this company and am making double payments to get rid of this loan. However, over 100 dollars per month is still going to interest so it will take me a while this way. In 2 months and 4 totaling over 1000 dollars in payments, I have only paid of 600 in my loan payment.

Santander Consumer USA, Inc. is where I've been sending my online payments for my car that I've paying on for the past 4 years, and I wanted to pay it off with one check ($3913.15). After they cashed the check, this is all I'm getting back from them. "Mr. **, you are late with your payment." I told them that I sent them a check and I've checked with my bank and they told me that the check has been cashed and on the back of the check it shows that they deposited to or for my account. The bank they deposited it into was JP Morgan Chase Bank. Now they are saying that we have no proof of this and that I needed to fax them the bank statement showing it did go threw. I faxed all the information they needed from the bank that day. The next day, I got called again for (Mr. **, you are late with your payment). I try to tell them that it has been faxed. Its like one part of their company is not talking with other parts of their company.

I've got a Delivery Confirmation from Post Offices. Now they are saying that they did not get the check. I asked them for a phone number for Mockingbird Lane, but they are saying this place does not have a phone number so I can't talk to them. What makes me so mad is they got my money, the payoff balance of $3913.15. They want me to keep making payments.

My CitiFinancial loan was transferred to this company in October 2010. I never missed a payment and, all of the sudden, I was being harassed that I was behind and always late. Sometimes, phone calls went past 9:00 pm. They changed my payment amount and due date without notice. I finally pulled my original amended loan paper work and they just told me to follow up with them as I would not hear from anyone, it was my job to follow up. Horrible customer service.

We have a car financed thru these people, we have gotten behind a few times, due to life. They harass us for payments, they are rude when we call, they hang up when we try to get info about our account. And they pull money out of our bank account without permission!

I would like to know where and how to lodge a formal complaint against them. Thank you for your time.

My auto loan was transferred to Santander some time ago. For 4 years, I had never missed a payment or been late. I lost my job and fell behind for the first time ever! I owed 3 months on the car, and the 4th was coming due. I called Santander to make payment arrangements. We set up that they would take one payment now and give me a 90 deferment which would then bring my account current.

The money was taken out of my account, but two days later, they started calling me. They decided to cancel out our agreement and wanted me to pay $1500 right then or get my car repossessed. I was so upset. I couldn't finish a sentence with anyone I spoke with. They cut me off every time I try to talk. I finally hung up on them.

They began calling me 6 to 8 times a day, every day. I spoke with them again and told them I was filing a complaint, and they had backed out of our agreement for no good reason. So the guy said he would go ahead and do it. I made another payment, but the calls didn't stop! I finally took their call today, and again, they decided not to adhere to our agreement.

Now, after taking 2 payments from me, they want me to pay $1000 plus another $400, because they hired a repo guy! Two payments made. And twice they cancelled our agreement without just cause. These people are horrible and rude! You can't talk to them. All they do is interrupt and demand money! The nonstop calling is getting out of control, too. Something needs to be done about this company.

I have not received billing statement or record of payments received for 3 months. I have requested my payment history and April 2011 bill statement, and to date, still have not received anything. They also have refused to provide me with information regarding deferment eligibility. I was offered a deferment for January payment and later learned that I was denied. I also did not receive written documentation as to why I was denied. I believe they have discriminatory business practices and now are not sending me bills or payment history I have requested. Economically, this is damaging my credit unfairly. They are demanding interest payments without showing proof of how the amount was calculated. Physically, they are causing me emotional stress due to the harassing daily phone calls yet refusing to send me a billing statement.

I bought a truck and this company is the one that financed it. I have made every payment up til Nov 2010. Lost my job and they deferred 2 payments for me which were to be Dec 2010 and Jan 2011. They are saying that I never made my November payment. I have all my bank statements showing that I have made those payments I have faxed to them several times. Each time them finding some excuse that it is not right.

I have been to my bank, they gave me proof that the payment came out of my acct they don't understand why they won't except the proof. The last fax they wanted was bank statement through December, which I faxed and once again they said not enough proof. Once again don't understand and neither does my bank. They are extremely rude when you try to resolve things.

I am not a customer of theirs and I do not have an account with them. They keep calling my phone number and trying to reach my son. My son does not live here. They have my son's direct phone number; they should not be calling me four and five times a day, 24 hours a week. How can I stop this harassment legally?

I have my auto loan through this terrible company. I was originally set up through Sovereign and was then bought by this mess of a company. I am in contact with my personal bank to refinance as I am typing this. I made two payments in one day (March 2011) one was a monthly payment, then second a large payment that was directed to be put toward the principal amount.

Santander processed the payment that was designated for principal but deducted interest and THEN processed the monthly payment. They are now claiming I am 14 days past due when all the information is correct online and confirmed with my bank. No one can seem to get a straight answer and they keep telling me my account is up to date but cannot get rid of the "past due" announcement. These people are clowns, one of their "customer service reps" actually hung up on me!

They also are charging me a daily per diem fee of $.89/day. There was never any indication of this fee in any of the disclosure statements. I feel that I have been swindled and robbed. My advice is to stay FAR away from this company and if you are unlucky enough to have to deal with them to get your info in order and refinance ASAP.

I am truly upset that I send my car payment to Santander consumer in Pennsylvania. I received a phone call on 3/16/11 that they have not receive my payment. I explain to her that I mailed my payment in a money order 3/12/11. They tried to tell me that I sent the payment to the wrong department. I stated to her this is the name on my document. They are the same company but they do different things. If they are the same company, why they can't get my payment or tried to help me.

I did not want to be late with my first payment, but no one want to help from Santander. Please somebody out there assist me. I need one from the administration to come in to help me, please. I love my new car. I will try to send a fax to Santander to assist me again. I have 333.00 out there, tried to make it to right person.

My sister, who resides with me, defaulted on a car loan, and the car was repossessed. In the process of towing her car, they damaged my driveway which is personal property owned by me. When I contacted the bank to request this damage be repaired, I was hung up on twice and spoken to very rudely. They told me they would not talk to anyone but my sister, even after I explained this had nothing to do with the car loan.

My home is currently listed for sale, and now, I have damage in the driveway and no way to repair it. I need help getting this repaired.

HSBC was the original lender and sold it out to Santander. My cousin gave me the car, 2007 Pontiac G-5. I got in touch with HSBC and assumed the loan for $15,852.18. I kept making payments but they changed hands and still I continued to do the same. However, I was trying to get my name on the title so I could get the car registered in PA, as the car is registered in DE. I was on my cousin's insurance now. I talked, pleaded and cried, and to this day I have no title. I had paid the car off $13,437.27 in hopes that I could get this done and get my own insurance.

I have 2 release of liens and one paid in full letter. Now no one will talk to me, just this one woman who has not returned my calls, and who I had been talking to. I have been driving this car illegally since June 15th. Tags for DE were up then. I drive in fear and I carry a folder of all the papers legal and not. I have been to my local district judge knowing he really can't advise me but it made me feel better. I'm at a loss, I really need help. i heard that these two companies have a class action suit against them. All I want is the title. I kept my part of the contract, now where is their commitment? I'm sorry but I'm angry.

I am receiving numerous calls from these two phone numbers all times of the day and night (ex: 2:00AM and up to 14 calls a day, as a fax tone on the other end). I have no current business with them and never had any type of loans with them in the past. I contacted AT&T, the Annoyance Call Bureau and faxed them a note indicating to remove me from their call list to no avail.

Santander is a "predatory" lender that continuously and blatantly violates the "Fair Debt Collection Practices Act", as well as state's laws concerning telephone conduct. They continue to add "mystery" fees to loans and offer "deferred payment plans" to solicit more money. Then, they do not follow through on agreed arrangements etc. This company must be put out of business now! Anyone wanting to create a class action lawsuit, please contact me!

My name is Juanita. I was financed by HSBC and my loan was turned over to Santander Auto Insurance which took over in March 2010. I reach my loan maturity in August 2010 because of two ext. Now Santander advised me that I owed 4 additional payments but refuse to give me dates.

Per Yolanda, office manager of Santander, she said that all the information was in the computer and I should sit down and go over all may bank statements and payment on their system because she was not going to do it. That company disregarded all my request about giving me the information of what payments were missing that I could compare. They never tried to help with my request and they repossessed my car without proof of debt.

I currently own a 2005 PT Cruiser purchased in 2006. Santander Consumer USA took over the loan in 2008. This company has charged me late charges on a daily basis. For instance, I pay my November payment on time but if my October payment is still behind in payment, they apply the payment to October and continue to charge late charges for the November payment plus financial charges. I still own $11,007.65 on this vehicle. I know that I am being charged double in financial charges and interest. The car has had several major repairs and I continue to pay the loan. I pay $405.84 a month. They also call my job several times a day, my home, my references and I have asked them not to call my place of employment. I am not sure if the process in which the company uses to apply late charges is correct.

Location Involved: (Same as above)Consumer's Original Complaint. I was late on my car payment because I was unable to log in to the company website. I called customer support and they were suppose to send me an email with password reset so I can make my car payment. On 12/11/2010, I received a call from customer service rep from Santander asking me if I would like to pay the past due amount on the account.

Since I had previously made a payment by phone, I knew there was a fee of $15 that they charge for phone pay as oppose to $5 fee for online payment, however, I informed the customer service rep by the name Kumar that I do not want to pay this fee and asked him to help me to log in online and make the payment for a fee of $5 unless he can waive that fee and I would make the payment directly with him.

He said that he will see what he can do and he put the call on hold for a minute and then when he got back on the phone he stated that he took care of the check by phone fee for me. He also told me that he would contact the online help and have them reset my password so I can make my next payment online. I was glad that everything was taken care of. Next day on 12/12/2010, I received an email from Santander stating that they are thanking me for the payment and I saw that there was a charge of $15 phone processing fee which I was told that it was waived and I still had $10 past due amount on the account with them (I clearly stated that I would want to pay the past due amount).

I called customer service at 888-xxx-xxx and I spoke to Kristina (I asked for her last name and she stated that for security purposes, she cannot give me her last name). I explained to her the situation. I told her I was very upset because I was lied to the day before. Kristina told me that this fee is not their fee but it was Western Union fee. I asked her if I was supposed to be informed about that fee and she said that usually the customer service reps are to inform clients of this fee. I asked Kristina if I can speak with a supervisor and she said that there is no supervisor.

I told her that I was going to file a complaint with BBB and the story changed to the "supervisor is busy and cannot get on the phone with me." I told her that I am willing to wait on hold and Kristina said that the supervisor won't be available any time soon. I kept talking to Kristina who was trying to tell me that because I knew about that fee from before I shouldn't be complaining for being charged check by phone fee.

I tried to explain to her that my complaint was about being lied to by a customer service rep handling my account. I wanted her to understand that I do not appreciate the fact that people can be lied to like that just to get their money. I believe that this is unfair business practice. Well, Kristina was tired of me I guess and all of a sudden a supervisor got on the phone. She agreed that it was not fair to be treated like that but she did not offer anything in return.

She said that she will speak to Kumar in regards to this issue (lying to customers, I guess). I heard from her that the customer service reps do not have the authority to waive this fee since it's a fee charged by other agency not by them. I feel very disappointed that I was treated as an "idiot" by this customer service rep, telling me that he is waiving this fee and then next day charging my account for $15 phone fee which I never authorized.

Consumer's Desired Resolution: Not seeking for settlement. Clients should never be lied to like that. At the end, we are the ones paying this company employee's salaries and making it possible for the company to do business.

I was not even aware that these horrible people bought the loan from roadloans.com. I had to find out by viewing my credit report online. From Oct-Dec 2009 I was getting over 8 calls every day from these people. They harassed me to no end. I am a survivor of domestic violence! I was forced into co-signing for a car that I did not want in 2004. I signed under duress, and fear of what my now ex-spouse would do to me. That was the worst mistake (second to being married to an abuser).

After he threatened to stab me in July 2007, I started to get help. I moved out in Jan 2008, and filed for divorce. The judge ordered him in stipulated judgement to get that car refinanced into his own name. Well, 2.5 years later, this loan is still on my credit reports. It is being reported late. I never ever got any statement in the mail to notify me this loan had been bought by Santander. They refuse to send me any documents about this car, because they told me I was not the primary borrower. I have called them several times recently to try to get them to remove that account from my name, and my credit reports. I faxed all court documents, and even mailed them two copies certified mail over 8 months ago.

Last week they reconfirmed receipt of all documents. They refuse to take my name off the loan. I have no idea where the car is. I have not seen it in nearly 3 years now. I had to move 100 miles away just to be safe. Santander will not return my calls.They claim I am responsible for $19K on this car. Yet, I have yet to see one statement. They will not delete it, and could care less if my life was in danger. They just told me "oh well, you signed a contract." I am not even the registered owner of this car. The contract I was forced to sign is not valid, and needs to be cancelled.

I just want my name, and my credit protected from that batterer who tried to kill me. He is dangerous, and I do not deserve to have my credit ruined indefinitely until he finally sells it. It is not my fault he is not paying them on time. They have no proof of non-payment either or late payments, at least none that I have seen. Where is the justice for women who were abused, and had to start over with literally zero?! Per court documents, I am not responsible for that car. Please help! I will be filing complaints with Dept of Consumer Affairs, BBB, Federal Trade Commission, and CA & TX Attorney State General offices, and the FBI in Dallas TX. I suggest everyone else do the same. The more complaints the FBI gets, then maybe those *** will finally get shut down, and brought to justice! I want this company brought to justice, for violating my rights under the Fair Credit Reporting Act, and Fair Debt collection Act.

For what it is worth, you can call some lady name Cynthia (Cindy) at Santander, she claims to be a manager. Harass them, and see if any results are made. Don't bother wasting your time on worthless customer service reps! They know nothing & do even less! Also Kasey ******* is self-proclaimed Vice President of Santander. Let's all unite together, and shut these people down! Will some nice law firm please help us? There at least 1000 people in need of help!

I have a 2002 Jaguar X-Type, wherein, I have had a note with CitiFinancial Auto for five (5) years. I have always made my payments on time, never having a credit mark. Santander took over the payments. I tried to make my payments on line at their website. Twice the log-in and password did not work, so, I paid with a check by phone. On both attempts, I was told that I needed to pay on-line or there would be a fee. When I tried to make the third payment, the log-in did not work again.

So, I called again to pay with a check by phone. This time, I was informed that Santander would not take a payment unless I paid an $11 fee. I informed that such was outside of my contract and that I would be happy to make the contractual payment, however, I would not pay any more. In the end, the representative refused payment three more times. Therefore, Santander has performed breach of contract. Since that time, I have spoken to four representatives, one of which refused to ID himself. In all cases, I have informed Santander that I am willing to make a contractual payment, however, I will not pay any additional fee. In all cases, Santander has refused and informed me that a fee must be paid to process my payment. Certified demand letters have been sent to CitiFinancial Auto and the President of Santander, Mr. Thomas **. This week, I will call both Mr. ** and Mr. **, Chief Legal Counsel. If Santander still refuses to honor the contract, I will file suit in Texas District Court for Breach of Contract and Conversion. In my opinion, Santander is performing blackmail, attempting to intimidate to obtain fees above contract.

However, I am that 1/1000 that will fight back and insist on my rights! Do not let them do this to you! I practice law, so Santander is in for a rude awakening. If you do not practice law, get a lawyer. Santander's actions with me violate laws of contract in all 50 states and violate Article 1, Sec. 10 of the US Constitution.

Six years ago, I co-signed with my son for a car loan through Citi Financial Auto. Oct. 2010, we received a call from Santander saying that they had bought the loan from Citi. The contract had expired, there was still $4000 left on the car and they told me that they would send the modification contract to my husband via his e-mail. I told them that they could send the contract but there was no way that there was still $4000 owed on the car. Several phone calls back and forth with Santander employees and over a month went by, but no contract e-mail was sent by them. On Wed 12/01/10, Santander had the car towed/repossessed. We were not behind on the payments to them.

Physically, my 75 year old mother was driving the car at the time and she was left stranded and panicked. Economically, I was made to pay one full payment via Western Union as they refused to accept my credit card. (Western Union charged a $30 fee) Santander charged us a repossession fee of $400 that they said they would "do us a favor" and charge to the end of the contract we were being forced to sign before they would release the car with the tow company. Then we were made to pay the tow company that repo'd the car for the tow and storage fees of $195.

Santander and their employees had no reason to repo the car. Then, when they did, they held it for ransom and forced us to pay unnecessary fees and penalties, threatening me with bad credit report, suit, and wage garnishment. We have been on the phone with them for hours, treated horribly by there employees and caused considerable stress. Their company is in Texas. The car is in California and I live in Montana. This ordeal has been hell. It has to be illegal extortion and it has caused my family a huge amount of stress and anxiety. Something has to be done about this company and their tactics!

I bought car in 2006 for about $10,000 from citifinancial. Citi sold it to Santander, consumer USA. I wonder for how much!

I have paid over $12,000 for the car. I have replaced the transmission for about $3,000 and now have engine problems. Santander says I still have to pay them $12,000 more . They said my last payment will be a balloon payment of about $7,000.00. I can't afford it anymore because by the time I finish paying, the car will be inoperable. Also, I will not be able to give them the $7000 and they will take it anyway.

Is this right? Some people are saying I should see an attorney, but I can't afford it. Class action law suit please!

I have had an auto loan with CitiFinancial since mid 2006 for my 2005 Chrysler Pacifica. I had never missed a payment and deferred two payments while I was undergoing chemo for aggressive breast cancer. I received monthly statements from Citi and no other communication from them. All was well. I might add that my payment came out of my account automatically.

On November 17th, I received a letter from Santander consumer. It was written to the address of **, not my address of **. The mailman stated he recognized my name and included it with my mail. It stated that as of 11/08/2010 I owed $2,067.60. It states that payments from 08/10, 09/10, 10/10 and 11/10 were due. No late charges or fees were assessed. It shows on the statement that on 10/25/10, a payment of $516.90 was paid (my normal amount on the normal day). I looked on my credit union records and it also shows payments for each of these months. It mentions nothing regarding repossession of my vehicle that I have been paying for monthly.

On November 18th I called Santander to find out who they are and why they wanted money from me--money that I have proof that I paid. The more than hostile agent started to immediately ask personal questions such as where I worked, my social security number, etc. I told him I am not giving that information out to an agency I don't know who they are. I repeatedly told him I thought this was a scam because it was the first I had heard of this company. He insisted I pay $1500 that day to him or he "would take my car".

I said, "Sir, I have no idea who you or your company is. I am not giving you money". He told me they had sent me statements and notification that they had bought out Citi. I told him they had the wrong address on my paper in front of me (the only communication I have ever received from them). He stated that was my fault because that's what they got from Citi. I said I have always received my statements from Citi. I ended the call with him stating that I would call Citi and verify and contact my credit union to get paper copies of those transactions. (They only keep the last three months on computer.) The agent was extremely rude and threatening. I showed the letter to various people and they all thought it was a scam.

I contacted my credit union and verified those were indeed paid. Citi was not able to help other than state that yes, they sold to Santander in September. The morning of 11/27/10 I awoke and found my car gone from my driveway. I called 911 believing someone had stolen my car. 911 advised me to call my creditor first and then call back if it indeed was stolen.

I called Santander back and was treated rudely again. I was told that my November 25th payment was late. It posted to my credit union account on 11/26. I politely told the agent that the 25th was thanksgiving and banks were not open. He stated that I should have paid it earlier then. I again told him that it automatically comes out of my account. I have no control over when it comes out except that it is supposed to come out on the 25th of each month.

They said they would defer two payments for me (I suspect the same two that Citi deferred back for me in 2009) and the reinstatement department would call me back that same day. I waited an hour and no call. I called Santander back and they stated the reinstatement department is closed at noon. So no car all weekend.

I am convinced I should have some recourse here. I have the only letter in my possession that Santander has sent to me. I can't log into their website because they keep giving me different passcodes that don't work. I am at wit's end as to how this company can operate like this and get away with it. I had no official notification of repossession. The only verbal encounter I had was less than stellar with them and it ended with me stating I had to verify with my bank that this was in fact true. They also state that I am 63 days late. I may have "chemo brain" but I'm not dumb. Please help! Apparently I'm not the only one they are trying to **.

I have been supporting several family members that have caused me to get financially behind. I called in September to find out where I was on my car loan with Santander Consumer USA. I was told I was current.

In October, I call and I ask again where am I at. They tell me I have $140 dollars in late fees. I am annoyed that I wasn't told in September but I could believe I had them. On November 26th, they start calling me again. I call to set up a payment on the 27th to be told I still have 140 dollars in late fees as well as I am missing a payment. I keep asking them how this is possible when for two months now they claimed I was caught up one month, the next caught up but I owe some late fees, and now I am missing a payment. I also complain about my statements never showing any late fees. They open a complaint but I still have to pay and I am 100 % certain after reading this site that I will get told I owe the money.

Well, I've been fighting a late payment issue for six months. I've been talking and telling what happened to numerous people over the months. I even sent them the proof of payment but these people can't count. This caused stress. I'm not sleeping at night. I'm worried about my credit and just angry that a worldwide company like this stays in business.

I was in the process of getting a lower monthly payment with Citibank financial when Santander took over. I was told I would have to start the process all over again, which I did not mind, eventually I was told I did not qualify until October 2010, when I called in October 2010 I was told that I did not qualify for a lower monthly payment until November 2010. When I called in November I was told that the program for a lower monthly payment did not exist and they were not sure why I was told it did.

When I asked to speak to a supervisor, Ricardo told me that it did exist, but I did not qualify because my account was current. I explained to him that just because my account was current did not mean I wasn't going through a financial hardship. He stated there was nothing I could physically do or turn in to show proof I was going through a financial hardship and the company makes the decision on their own without any proof from me that I am going through a financial hardship! So if my bill was past due that would show proof!

Does anyone work in Santander Consumer USA's complaints area? I applied for a car loan on March 21, 2010 while in a dealership. At the time, the dealer explained the lender was having delays in the credit decisioning process and I had to leave the dealership without completing the purchase. On May 27, 2010, I received a letter from Santander Consumer USA, dated April 12, 2010, advising Santander was unable to extend credit to me under the terms submitted due to: (1.) too many collection accounts and (2.) prior bankruptcy. Since I had never had either accounts in collections nor bankruptcy, I immediately requested all three bureaus as well as my LexisNexis report, all referenced as potential sources of the information. I received the final bureau, the LexisNexis (only available by mail) on May 17 and found no delinquency or bankruptcy on any bureau or the LexisNexis.

On May 18 I mailed a letter to Santander Consumer USA, copying the Federal Trade Commission (footnoted on the Santander 'adverse action' letter as the appropriate Federal agency to which to direct questions) as well as Jeff **, Santander's Director of Internal Control, stating, "I have the following concerns I'd like Santander Consumer to address in writing:

1.) The timing of the generation of the letter vs. the timing of the credit request I recognize you have 30 days to issue the letter, technically, but the delay does not make sense in this case.

2. The letter refers to a counter-offer extended with a 10-day expiration; however, I received no counteroffer which could have enabled me to identify the errors above and resolve them in order to complete the purchase.

3. The timing of the date printed on the letter vs. the date I received the letter again, why the delay? There will be no legitimacy to a response that the letter was delayed in the USPS; the delay absolutely occurred within Santander. Based on my background, this suggests a broader concern with the timely notification of declined requests for credit within Santander Consumer.

4. The letter references the three major credit bureaus, as well as LexisNexis, as the source for information used to decision my application. Hence, Santander is indicating the decline reasons, too many collection accounts and prior bankruptcy, were provided by one or more of the bureaus. I have never filed bankruptcy. I have no collection accounts and I have pulled each bureau and none of them show collection accounts, bankruptcy, or even a single delinquency. So where did Santander come up with these decline reasons?

I would like to have the source of this misinformation confirmed. Again, this suggests a control concern within Santander Consumer. Obviously, I'm highly sensitive to my credit information given the current economic environment and financial institution credit contraction. In addition, I have 15 years of background as a Director of Audit and Operational Risk Executive with Bank of America, so I'm fully aware of an institution's responsibility in this regard."

As of August 3 I had not received a response from anyone, so I sent a follow up note to all three prior recipients. I had not received a response from anyone as of October 21, so I sent a follow up note to all three prior recipients. As of today, November 24, I have not received a response from anyone. I really do not understand Santander's complete and abject inability to respond to the inquiry.

I am confident that, at this time, the excuse which will be provided, if there is ever one, will be that the information about the application has purged off their systems and there is nothing they can do to investigate the exact cause of the inaccurate information and resulting decision. The result of the original error is that I was denied a loan for a car despite my having no negative trades on my credit bureaus. It is certainly possible that I could be declined for other reasons; however, those were not disclosed. As such, knowing my credit, I believe baring the error or had the application been handled by a 'better' institution, I'd have been driving that Miata convertible through the summer.

I was a long-time customer of CitFinancial Auto having financed several cars with them. From the outset, I used an automatic draw from my checking account at no charge to pay the installments. After 45 payments, CitiFi evidently hired Santander to "service" the account. Without prior notification, the automatic draw was cancelled. Santander now required a fee, I believe it was $12.00, for automatic draws, telephonic or other electronic payments. I opted to pay by check through the mail to avoid the fees. My October payment was negotiated by Santander through its bank JP Morgan Chase using ACH (electronic) processing. I have proof of the payment from my bank.

On or around the first weeks of November, I began to receive phone calls from Santander claiming that I was 22 days in the arrears. I immediately went to my bank and obtain the proof that the account was paid. Despite this, Santander refuses to credit the payment and continues to call, and the calls are harassing and contemptuous. From the tone and substance of the calls, it appears to me that Santander is a predator corporation and is attempting to add interest and fees and trying to get customers to agree to the electronic payments.

We have had our auto loan with CitiFinancial for several years and were very happy with the way they worked with us if we had any difficulty making payment. We ran into some trouble in July and were in constant contact with them. At the beginning of November, I told a representative I would be making a payment on a following Friday for the amount due. They refused to take my information because the payment was eight days out and they won't do more then a week out. The car was re-possessed the day before I was set to make my payment.

I had to rent a car to get to work; we had to pay extra fees for the towing and storage, and pay the balance in full before we would get our vehicle. This put us in an even worse financial position and we had to scrape money together in order to get our vehicle back. The best part was they also threatened to auction the car off and that it was too late to get it back.

I have never been demoralized and mistreated by a company in my entire life. I feel we have been victimized with this horrible and devastating situation. We received harassing calls from them every few hours on our cell phones, home phone and work. We had to pay out well over $2,000, which included the car rental, the loan, storage fees, and others. We still have not recovered financially.

I too had a loan with Citi Auto Financial and received a letter in September from Santander Consumer saying my loan had been taken over by them. I was questioning myself, why? My loan was in good standing with CitiBank. On November 24, I called to turn off auto pay since I had lost my job and do a balloon payment until my unemployment starts. They told me I can't do a balloon payment but I can change the due date from the 2nd to the 25th then wanted me to do a recording and state my full social security number. That's where I stopped it and asked for a supervisor! I refused to be recorded giving my SS number to anyone and as far as I know, they can not demand that but they could ask for the last 4 digits.

Nikki told me if I didn't give the full number, they would not switch the date! I asked Nikki what they do with the recording and where her company was located because I too had a hard time understanding due to the language barrier. Well, Nikki tried to work up answer without giving me a direct answer that I was needing. After arguing my point that I was not comfortable doing this due to the increasing number of identity thefts and misuse of consumer info buy negligent companies, I gave in to them but only after warning the company if my ID is altered in a way, I will know it since I am enrolled in privacy guard. Everything of mine is locked down, I will come after your company! While searching the internet to see if other consumer's had issues with them, what do I find? Thousands upon thousands of complaints on this company and I found something really surprising.

Every bank officer just happens to be of Latino background! Why does this concern me? Well because if you have watched the news, many companies have been discovered to be fraudulent and selling consumer info that have been in business for less than 20 years and do not have a mixed officers board to show diversity. This company has only been in business since 1995! Red flag, red flag.

My loan mature date was scheduled for June 2010. I noticed in my payment history that there were some adjustments to my loan payments which had something to do with HSBC adding insurance to my account. Well, we had insurance and discuss with them and got insurance company to reach them. My loan today is 4 months past due. The reason is that we thought the loan should have been paid off. I talked to different associates that one minute is telling me that insurance was adding to loan and others telling me that it is a simple interest loan and due to late payments we still owe $1500.

I have spoken with some really rude associates in regards to the matter and they have admitted to me that they can talk to people any kind of way because nothing have been done about it. I have never had a loan with a company that charges so many fees and changes people payment history. They are rude to people and they feel like they do not have to explain anything to you.

My name is Irina and I bought a car 4 years ago and was overcharged by the Dealer. My Car loan was at the beginning with HSBC Auto Finance whom I had a lot of issues with and they charged me 20% Interest on the top of my payment of $394.77. Four years later I received a letter saying that my car payment is now with Santander Consumer USA and I was not aware of it. This people are being calling me around mid night every night and every day 4-5 times a day. They are saying if they will take my car from me and I told them I have lost a job 2 years ago now and was trying to work out with them to reduce my payments from $394.00 to $215.00 and they said no and now they are charging me extra $50.00 every time. I'm tired of them and don't know what should I do? Please help me.

In October I received a call from Santander Consumer USA advising that a payment of $442.71 needed to be made on my account on 11/17/2010. I gave the checking account information to Angela and checked my account and found that the payment had not been taken out. I received a call on 11/18 advising that the payment had not gone through my account and that I had to make a payment that day or they would report it to the Credit Bureau. I asked them if they could wait to see if it cleared as I knew there was more than enough money to cover this payment. The amount of $431.76 was taken out on 11/19/2010. This was not the requested amount of $442.71 but I thought maybe they corrected an error.

Today (11/22/2010), I discover that they have taken $442.71 from my account in addition to the $431.76. I contacted them and they can find no record of receiving the $431.76 and have verified with my bank that this amount has been taken out by Santander Consumer. They requested that I fax a copy of my bank statement which I did this AM. They now tell me it will take them 10 days to sort this out and to go to my bank and they will take care of it and put the money back in. They are indeed taking care of it and turning it over to their Fraud Unit.

I am going to report this to my Congressman and the State Attorney General along with copies of the complaints. In reviewing the complaints, this is not a first for Santander Consumer USA. I would highly recommend that you do not take out a loan with this company. In addition to having to worry about getting my money, I probably will have trouble getting my title. It will be a sparse Thanksgiving at our home.

Citifinancial sold my account to this "Santander", whoever they might be, in September, 2010. They are continually calling me and telling me I am behind on my auto payments. Now Citi did this without even consulting me. One day, I just get a bill and cruel credit collections calls, everyday. I paid them $456 on 11-15-10 since they told me my account was delinquent and whoever I spoke to that day said my account was up-to-date and my next payment was not due till Dec 10, 2010. Well, within 4 days, the calls have started again. They are calling saying I am behind again. I told them I just paid, and the caller can't tell me where the charges originated from and the call is dropped. I have an appointment to see an attorney on 12-9-10. Perhaps I should move the appointment closer.

This is a very crooked company. I have been making payments for a little over 2 years on an auto vehicle. My payments got behind (I admit) because I was out of work for a summer. I speak with a customer service rep who says that I should make a payment of $ 325 to keep my car from being repossessed and made arrangements for the remainder of the amount. I paid $ 700 instead to be on the safe side. My car was still repossessed later that night. They said that even though I made a payment, there was a mismatch when the customer service rep sent the message to stop the repossession and when the repossession man was actually on the road and so it didn't matter that I made a payment or that there was an agreement. In order for me to get my car back, they said that I would have to pay the entire balance due immediately or else my car would be auctioned off after 10 days.

Since I knew that I really needed my car to get to work and that I was not behind on any of my other bills, I decided to pay the amount 4 days later and make an agreement to be late on my rent instead. I did that. The customer service rep said that the company who had my car was only open during a limited time (during the weekday) and that once I got there, I would have to pay additional storage fees to get my car back. That could exceed $ 400 since they had the car for 4 days and that I might have to pay this (on top of the $1050) I just paid them. Since I made this payment, I haven't heard anything from them.

I received no emails, no phone calls stating the release or instructions that the customer service rep said that I would receive after I made these payments. I'm not sure what to do now but I believe that this company should not be in business and these are unfair business practices. I would urge anybody who can get help to do so immediately because this needs to stop. I wonder how many other unsuspecting customers are out there suffering silently. I wonder how many others they've ripped off and we are all unaware.They are a most crooked company indeed.

Santander took over Citifinancial Auto in September 2010. I received a phone call in regards to a payment that wasn't received for August 2010. I made this payment with a money order on August 9, 2010. I told the agent I paid that note for that month, they said that it didn't reflect my statement for that month. I told the agent that I had the proof that the payment was made. I was told to fax the money order receipt to them. I did this on October 5. I called the number on the back of the money order and it said that this money order was cashed on August 9, 2010. The statement I received from Citifinancial also showed the $280.00 was applied to the account.

Why it is not showing on Santander's end is beyond me. I have been going around in circles about this matter and no one can tell why I owe a balance of $252.86. I have looked at my statements and I can't figure out where this missing payment is supposed to be. I am getting collection calls every other day from rude and obnoxious people. They keep telling me I need to listen to them and then I will know why I owe this amount. I have listened but I am not convinced and they haven't proved to me or shown me why I have this balance. It started when I had June's payment deferred. I made July's payment, I originally had July's payment set up to come out on the 15th of that month. I paid it early on the 7-6-2010. I didn't call to cancel the automatic withdrawal thus resulting in an NSF fee of $30.00. I have explained the reason why this happened. I sent August payment in as well as the months after.

I do not owe them, I have proof of this and it doesn't reflect on my statement of $252.86 is due. I have ran out of steam and I am tired of this harassment that I am receiving from these people. This account was supposed to be in review and they were waiting to hear from Citifinancial to clear this up. They are not in business because when I called them, I am forwarded to Santander. I am thinking they are trying to get June's payment which was deferred, why they are doing this is beyond me too.

What happened or why wasn't the $280.00 I made in August not show on Santander's statement but it shows on the last statement I received from Citifinancial? My car note is $280.97, why would I send a payment of just $28.00 if the payment is what it is? Why is this taking so long? I sent proof that was not sufficient enough? This has got to be resolved one way or the other.

This is the letter I sent in to their correspondence department. I have asked repeatedly for a corporate number and email. They keep saying that they don't have one. I find that hard to believe in this day and age that they don't have a corporate number. I am appalled and infuriated and offended by your company's customer service, or lack thereof, department. I was a former Citi customer who sure as hell did not sign up to do business with your company. I had made an extra payment in September. You would think that your company would reward and appreciate customers who make their payments on time and pay extra. I re-financed my vehicle in September, as well, for a much better rate, shorter term, and company that actually cares about their customers.

I was instructed to keep paying Santander until I received a welcome letter from the company I re-financed with. I mailed a payment on 9-21-10 in the amount of $260.00. I received the welcome letter that next day that the new finance company had paid off the car and to start making monthly payments to them. I called Santander that day. I didn't write down the CSRs' name. But since you record your calls, I'm sure there is a record of it.

This CSR told me that the overpayment would be refunded in about 10 business days. I thought this was very reasonable. One month later after not receiving my refund, which I am now told is $294.00, because of a $34 credit on the account the day the car was paid off, I called back on 10-27-10. I spoke to someone who instructed me to fax in my bank statement (very personal information) and the front and back of the canceled check. I was told that it would take about 72 hours for my refund to be issued.

Once again I thought this was very reasonable. 2 weeks later, I did not get word about anything I talked to. And I got hung up on several CSRs who were very rude, cussed at me at one point, and said they had no idea what was going on with my refund and it would take 30-45 days from pay off to receive. Well, I have called every day since the 45th day (we are now about day 55). No one knows what is going on. They are all very rude.

I spoke to a "supervisor" named Danny on 11-16-10 who said the check "should" be in the mail by now. I asked if he could confirm that. He said that he could not. I told him "probably and should" are not good enough answers for me after the 45th day and I need to know where my money is now! Danny so rudely informed me that since I was not a current customer (I was not paying on any account with Santander anymore), sometimes refunds far exceeded the 45 day guideline that your company set!

But if I did have a current account with you (you guys were making money off of me still), then the fax with the 72-hour turn around would apply. I think that is an appalling and despicable way to treat your customers (ones that have paid off their bill and paid on time, like me), especially in this economy. I have let everyone I know now how horrible your customer service is via Twitter and Facebook, as well as word of mouth. I will not tolerate being treated like this! I have filed a complaint with the BBB in the Dallas area, where your HQ is. I called again today (11-17) and spoke to an extremely rude and interrupting Crystal, who at first said she was a supervisor then later said she was not.

Crystal told me that she emailed her supervisor and asked where the refund was. I asked to speak to her supervisor. Crystal said, "I couldn't." I asked why this wasn't done before. She said, "** if I know." She asked for my employer's name and number. I told her my car was paid off and according to Danny, I was not longer a "current customer" so she did not need that personal information, and she cussed at me. I will not tolerate being treated like this any longer! I have asked for the corporate number a few times to be told by the CSRs that "We can't give that out." I want to speak to someone in charge and I want my refund immediately! Is this the kind of business you run?! Is this how you treat your hard working, paying customers?! In my job, we would be fired if we spoke to our customers the way you treat yours!

My auto loan was with Citifinancial Auto. Never any problems nor did I ever make a late payment. 4 months ago, I noticed my payment was due but I didn't receive a statement, I called Citi and got a recording that the loan was bought by Santander and my call was being transferred there. I asked why I hadn't received my statement and was told it had been mailed. I had to mail it without a statement and I requested that they check my info which I provided to be checked. 3 months ago, again no statement, another phone call to a very rude Santander customer service rep. who supposedly updated my file so I would receive my statement.

I wrote a letter to Santander requesting a statement. Still, the 3rd month I called 3 weeks before my payment was due to assure I would get my statement, I was hung up on. Called back, asked for a supervisor because I was rudely hung up on. I was placed on hold for 32 minutes, I asked that a statement be mailed to me asap and was told it would be.

The next day, I called again and asked was it mailed, was told yes, 4 days later and no statement, I called again and was told it had been mailed 5 weeks ago. I said I had not received one ever and was hung up on. Again, I mailed the payment with no statement and another letter. 2 months ago and still no statement. Another call to another rude rep. after 11 minutes of arguing, I supposedly spoke to a supervisor. Again, my info was taken and I was assured a new statement would be mailed the following day. It wasn't. 3 more letters and 5 more calls. Nothing!

This month, still no statement. Another call, I told another supervisor that he could assure me a million times over the phone that my payments were received and applied to my account but without a statement I have no reason to believe them and that without a statement I would not send any more money and that I would not worry about them coming after the car because if they couldn't get a statement to me then they surely couldn't find me to take the car!

I told him I would set up an account solely for my car payments and I would gladly pay them once I got a statement and seen that all my payments had been applied. I was hung up on again. The next day and another call, I asked for a supervisor, I was asked for my SS no. which I refused to give over the phone. I was hung up on. Another call, this time I told them I have never had to beg a company that I owed to send me my statement, so I could pay them.

I was told, "tough". These people barely speak English, any of them, they have no people skills, they have never been nice or even apologized for not sending me a statement and they sure aren't willing to correct what they are doing wrong! Maybe in their country they aren't required to mail statements or show that their customers money has been applied to the account. If they can't conduct business the way that America does then they have no business running a business in America and they do not deserve Americas money!

Santander got my auto account back in September. Since then, I have had many calls from them for collection. And have also been told by them (Santander) that they may repossess my truck at any time. I have paid 75 payments since 2003 and now the total amount left on the loan from citifinacial is $4,489.51. I have contacted them many times to do a loan modification. Only to be told it has been emailed to me but I still have not received anything other that collection calls telling me they are going to Repo the truck.

No one there seems to know what they are doing are talking about. And I surely don't want to lose my truck at this point but it seems to me they are looking for a reason to Repo it for the last eight payments. As you can see by the other complaints, I am not the only one that can't seem to get a straight answer from them to get this issue cleared up.

In August 2010, my vehicle loan through Citi Financial was sold to Santander Consumer USA. That was when the trouble all started. I requested that a one-time payment be electronically debited from my checking account for that month. Big mistake! They took two payments out instead. When I requested a refund of the payment I did not authorize, they refused. Thankfully my credit union was able to reimburse the payment to me after I filed a complaint through them.

Meanwhile, I continued to receive several phone calls per day at both my residence and my employer. I have fallen upon difficult financial times due to a recent divorce. I attempted to work with Santander to try to get a loan modification. The representative who was quite rude said that I could not get a loan modification. I was told that I would need to make a payment to prevent my vehicle from being repossessed. I made a full payment on October 15, 2010. With that payment, I was told that no repossession would take place. I was only a month and half behind in the payments.

On November 8, 2010, less than 30 days after I made a full payment, my vehicle was repossessed. When I called Santander to get an explanation, I was treated very poorly! I was lied to and told that my payments were four months behind. This is not true. Santander Consumer USA stole my vehicle! I was told by the very rude and unprofessional representative that the only way I can get my vehicle back is to pay $2,500 which includes a $500 repossession fee. The $2,000 is more than what I currently owe to date. It appears that Santander Consumer USA is holding my vehicle ransom in order to get more money than what is currently owed to them. The fact that many Santander Consumer USA customers that are struggling like me means nothing to them. I have always made an earnest effort to make payments on my loan. I've never had a problem dealing with Citi Financial. Santander Consumer USA is a fraud and should be put out of business!

I drive a Hyundai Sonata 2006 that at first was finance by HSBC. In march 2010, my account was sold to Santander and in March 2010, they repossessed my car. At the time, I was waiting to receive a letter of welcome from the Santander. The letter I did received was ugly (regarding the repossession, I keep a copy), but I need my car and I follow every instructions from Santander in order to get my car. But I did pay to the repo company for fees after fees about 500 dollars.

Now, I am sending my monthly payments but I loss my job like many American and I am working part time and doing my best to make the payments. I assume I only own Santander then, November 2010. Today, when I called, the lady told me you owe to the company six hundred something dollar. I question, "Why?" She say the late fees, another fee of $5.15 daily and the repo fee, and simple she hang up for me?

I can not say a word, but I told her that we are in America and I have the right of the free speech. Means from the money I am sending to them for my car loan. They are getting "the fees" they claim I own, and to my car loan nothing. I pay to the repo company and now I have to pay to Santander again for the same repo, the repo of my car! It is crazy.

I have been reporting Santander and I will be continuing doing it. At this point, I feel retaliation to me from the company Santander consumer USA. In 2002, I went to Spain and I open 6 saving account with half million Euros in Santander Central Hispano, the Santander consumer USA is the same business, and I still waiting for any of the "staff" of Santander Central Hispano to asked me from where I got the money.

I just put my American passport on the desk of the bank official and that's it. For me, it have been a very bad time since I starting with Santander. Always is something new. Customer service is very rude and they do not respect. But I believe in American justice and here I am.

Santander acquired my auto loan when they bought Triad Financial in November of 2009. I owed Triad Financial $10,324 for a voluntary repossession. Santander sent me a "deficiency owed on account" letter that stated they'd contact me. They never contacted me.

In May of 2010, I found their contact information on my credit report, as they'd listed my debt as $18,600 (original loan amount) "bad debt charge off. " I called them, they stated they hadn't "had time" to contact me regarding my debt. I made payment arrangements with them, and they promised to send me all the account information, including amount owing and contract. They stated they would update my credit report with the amount actually owed and my monthly payments, if paid on time. They never contacted me.

I called them in July of 2010 and they stated it was my responsibility to keep contacting them if they didn't contact me. He stated that they were under no obligation to update my credit until the balance was paid in full. I filed a dispute with the Better Business Bureau and with the Federal Trade Commission. Two days later, Santander offered me a settlement of $3458.40, to be paid in monthly installments of $144.10 for 24 months. They stated it would be a verbal contract with nothing written down except an email. I accepted the offer. At that time, my credit score was 618, as the charge-off on my credit report was 3 years old.

I have made $482.30 in payments from July 2010 to October 2010. In those four months, Santander has added an $18,600 bad debt charge-off every single month, dropping my credit score to 550. The most recent hit on my credit from them was Friday, November 12, 2010. I called them on Nov 15, 2010 and they said, they would fix my credit once the debt was paid in full. They also have no record of the settlement offer they made me in July of 2010. The money I've sent them has gone to interest and hasn't dropped my balance at all.

I did some research online and have found hundreds of complaints against them for bad ethics and illegal repossession/ credit reports. I've found cases of account balances changing and payments being lost or held until late fees can be assessed. I've found cases of double or triple payments being automatically debited without authorization and not being returned. I've found cases of jobs being lost do to harassing calls at work. I've found cases of threats. I've found cases of ruined credit. I've found cases of hospitalization due to lost funds and customers being unable to afford medications. The Better Business Bureau has pulled Santander''s accreditation due to over 1,200 complaints in a six-month period.

Concerned, I called them again November 16, 2010 and requested a written record of all transactions and settlement offers. They said there are no written records because the settlement contract is verbal and I just needed to tell them about it every time I call. They said they will send me another email that will be proof of the contract. Then I spoke to the Credit Dispute department, who told me that they would continue to list my total amount owing every month on my credit report until it is paid off. When I explained that the amount was incorrect and that it was hurting my score, he said the only thing I could do was wait it out or pay my settlement in full because the settlement won't go on my credit report, neither would the monthly payments I'm making. When I asked what possible benefit there is to keep paying my debt when it was ruining my credit to do so, he replied that it was my choice, and hung up on me.

I previously had an auto loan with Citifinancial. This loan was taken over by Santander Consumer USA. I have never been late on a car payment in the five years that I have had this loan. In an effort to continue my stellar payment record, I immediately contacted Santander when I was notified that they would be handling my loan. My payment had been automatically drafted by Citifinancial and I wanted to see if this would continue. On my first call to Santander, I spoke with a representative who told me that she didn't know if my payment would be automatically taken out and that I needed to call back in "72 hours." I was a little irritated but gave them the benefit of the doubt.

I called back 72 hours later and was told that my payment would not be automatically drafted. In an effort to prevent my payment from being late, I paid the $10.95 fee to make a payment over the phone. Two days later, Santander attempted to automatically draft the payment that I made over the phone resulting in fees charged to me by my bank. I called back to resolve this and was told a completely different story.

To make a long story short, this went on through five more calls and several additional fees charged to me by my bank and Santander! When I finally spoke to a supervisor, I was reassured that I would be reimbursed all of these fees after they sent it to their accounting department. This has been over a month ago, and I have yet to be reimbursed. Since this time, I have completely paid the balance I was told was remaining on my auto loan.

However, despite doing this, they are sending me a bill for $200 which can't be explained. I called three more times before getting another supervisor who told me that this was a mistake and this would be taken care of. To date, they are still trying to get $200 out of me and no one seems to know the supervisor I spoke to (despite me giving her first and last name)! I have never had such poor customer service in my life! I would rather walk everywhere I have to go for eternity before I will ever deal with his company again!

I had a car loan with Citifinancial. Right around the time my loan was transferred to Santander USA, I called, asked for the payoff amount and address, and told them that I would be paying off my car loan. I also asked what would happen with the automatic bank draft. I was told that the draft would be stopped. I sent my check, they cashed it. A few weeks later, the bank draft came out anyway ($248.71) together with a $30 overdraft fee. I called and was told to have my bank fax to Santander as a proof that this had indeed happened. I did so and called to check and see that they received the fax--which they said they did.

I was told that within 30-45 days, I would receive my refund check and the overdraft fee amount. I was also told that I would be getting my title shortly. I made sure that they had the correct address and contact information in the computer. Since then, I have called repeatedly to inquire about my refund. Now, I am being told that the title was sent to the wrong address and was sent back to them. I have also been told that they have no record of having taken out the bank draft amount. Then, when I asked to speak to a supervisor, I get put on hold and then disconnected.

Sometime in the beginning of summer 2010, Santander acquired my auto loan with HSBC. Unbeknown to me, I was working with HSBC a loan modification due to me being laid off and taking a salary cut when I did regain employment a year later. During the summer, I made my reduced loan payments to HSBC until late August when my payment was returned that the account was closed. I contacted HSBC and was told my loan had been sold but that was all the information they had and that the new company should be contacting me about my next payment. With never being contacted by Santander, in the middle of the night on September 30, 2010, they repossessed my car! After figuring out, it was not stolen.

I finally got Santander's contact information and called them. This was probably the most unprofessional and rude conversation I have ever had with a corporate representative (all subsequent dealings with Santander have been met with the same rudeness and downright threatening). After attempting to explain the situation, not that the person even listened, I then began asking why had I never been contacted to inform me Santander had (1) acquired my loan, (2) the payment arrangements made with HSBC would not be honored and (3) where they would have like me to send my payments should I have magically know they now hold the loan.

They told me that I had a bad address for me which is why I may not have received any notices. To that point, I stated they must have my address because they knew where to come take may car! I was also told it was my responsibility to have found them that I should have know I had to pay somebody. They also reported to the credit bureau that I was over 90 days past due when I was not!

Almost $2,000.00 later (because they would not consider the payments I made in June and July to HSBC since they were just partial), I got my vehicle back. Another disastrous situation. Of course, I was not allowed to go anywhere near my vehicle until Santander finally decided to sent over the release papers, then I was made to pay them all kinds of fees and sign paperwork with them. Then, I was driven to the lot where my vehicle was being held. They broke my driver side window! When I complained, I was shown the paper I was made to sign before being taken to the lot where my car was located stating I had inspected the vehicle and that there was no damage.

Santander is the most crocked unprofessional company I have ever dealt with. If you are thinking of getting a loan through Santander or believe your loan is being sold to them, stop, look and listen. These folks are crooks!

I was rudely treated and hung up on. I was not notified that CitiFinancial Auto was selling or merging. I have had to call the last two months because I am not receiving statements. They have very poorly run business and lousy work ethics. Customer service representatives place you on hold for long periods of time and offer no assistance and refuse to let you speak to a supervisor.

I was a Citifinancial Auto customer. My account got sold to Santander at the time that many other peoples did from what I have read online. I made arrangements for them to take one automatic payment. I was informed of a $10+ processing fee for electronic payments. At that time I told them that I would be sending them a check for all following payments due to the outrageous price of this charge. The agreed upon payment was withdrawn from my account. One week later the company made an unauthorized withdrawal causing several small debit card purchases to overdraft. The price of the overdraft fees was over $250. Do not let this company have any information, or you will end up having problems.

I was in an accident on 06/01/10. My insurance company and my gap insurances are paid. I had a $500 deductible. While waiting for insurances to pay, I continued to make two more payments because I was threatened by Santander that if I didn't continue making payments, they would charge me large fee for late charges. My two payments totaled $430.76. To me then, I should just owe $69.24. I was told by the management that they charge me $0.05 a day interest. Now, since the accident, I was given about three different payoff amounts. Each time I call, I talk to somebody different. I have asked to talk to a manager and I was told NO' many times. The last person I talked to was supposed to be a manager and he told me that the payments I made after the accident don't count. I don't get reimbursed for them or credited for them. That doesn't even make sense.

They kept threatening me that they will ruin my credit if I don't pay $642.37. I said how you can justify that much difference in what I owe. I told them I will send a letter of explanation and I will only be paying the $69.24 and the $0.05 a day. Only since the accident was 163 days @ $0.05 a day, equals $8.15 which would make the total I paid to them on the 10th of November which is $77.39. I told the manager then to please take me to court and try to explain what you are telling me to a Judge. He said "Oh, no! We won't take you to court. We will just ruin your credit with a charge off on your credit report." I told him that this statement might work with most people but I don't care, try and ruin my credit but you will not take advantage of me.

I suppose most people when they hear that statement will just give in and pay it so their credit isn't hurt. I refuse and I'm tired of being taken advantaged of by them. If you check the internet there are tons of these same complaints against Santander Consumer. There was a lot more that happened but I shortened it quite a bit for this. One thing, I was never given how they came up with this amount. Each time you call, you get a different person who tells you something totally different than the last person. We even had a few employees who tell us that they have no idea how to explain the big difference in the pay off amount they are giving us.

Citibank recently appointed Santander as service for the loan on my 2006 Pontiac Torrent. This loan has never been late, it has always been paid through Citibank's auto-debit program, and I have years of monthly billing statements on hand that attest to the fact that during the entire life of the loan with Citibank, the payments have never been late. After the first two months of Santander servicing the loan, I traded in the vehicle and the dealership paid it off. I have evidence of this in the form of a payoff notice from Santander, the actual title to the vehicle (released to me by the state DMV), and also a copy of the cashed check, 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 exceeds the actual payoff amount for the vehicle. Worse, Santander reports that the account is past due by 22 days, despite the fact that the last monthly payment was made on time, 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. The note has never been past due. I also have evidence to this effect. 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. They (Santander) are absolutely terrible to deal with. There is no way to directly contact anyone who can be of any real assistance in resolving these issues, the same answer is always given (we will send it to our accounts department for review.)

Even the business office for the dealer who has paid out over $10,000 that has not been applied to the payoff account gets this same answer. I've seen others here complain about being told they were past due years ago when they were not after having their loans taken over by Santander, despite the fact that the original loan holders never considered the loans late. This behavior seems obviously reprehensible at best, and on the surface certainly appears fraudulent. I hope to God someone sues them for this behavior because they are the absolutely worst company I have ever had the displeasure of dealing with.

This company is not sending me statements for my car loan nor is it notifying me of any interest or principal made per my payments. I see that this company has thousands of complaints against it.

In September of 2010, my truck payment was due and was paid on September 27 using an electronic check from my checking account. On October 4, an unauthorized payment of $301.86 was taken out of my account. I did not authorize this payment and when I called to inquire about it, they told me that they have no record of that payment. I told them my bank does and then I was asked to fax a copy of the statement from the bank, which I did. The only payment that was authorized was the September payment.

They still have no record of them taking the money out of my account even though they have the faxes I sent them. The last time I called to try to resolve this, they hung up on me! On top of all this, the unauthorized payment they took out caused me 70 dollars in overdraft fees!

Beware if you have this company for your loan. I have filed a complaint with the FTC and I am in the process of doing the same with my state AG office. This is ludicrous. Why do they keep insisting I didn't pay when they have documentation I did?!

Customer service is horrible! The worst I've ever come across. The only consistency is the lack of accurate information regarding information, policies and procedures. I called customer service to ask what I needed to do to make principal only payments and was told to just add to amount and designate additional payment as principal only. So I did just that. The next month's statement was reduced by the amount I requested be principal only. When I called customer service, they said the only way you can make a principal only payment is if you fax us a signed request/authorization to do so, so I did. Then I called to make sure they received it and was told it was on file. A few months later, I had a little extra money and made another principal only payment. The next month, my payment came back once again with the amount reduced by the prior overage (principal only) payment. So I called customer service again and was told they would fix it on next month's statement. It was not. So I called again and they told me I could not make principal only payments on my loan (at all).

When I asked to speak to a supervisor, they hung up on me. So I called back and after much insistence (asked about 20 times to talk to a supervisor and customer service rep repeated the info that no principal only could be made and that the answer would not change), she questioned (called me a liar basically) if I had ever sent such a fax or if it had been received? So I got to a supervisor, whose accent was more difficult to understand. She advised me (4th version of answer) that although I could make a principal only payment, I had to pay 3 months' worth of payments in advance. Then continue making monthly payments with the bank of 3 additional months riding, at which time they would accept principal only payment. Ridiculous. Lawful? I then asked her how the additional principal only payments I made to date had been treated as I continued to pay monthly amounts (not reduced amount) and they adjusted back to regular monthly amount after a month (granted they weren't loads of money, but were still additional dollars of mine). She said the connection was getting bad and the line disconnected (sure).

I called back customer service and asked for a hard copy of my payment history to be sent to my home address. It took asking (Courtney) the question 7 times (at this point, I had to count). No, I did not want it faxed. No, I did not want to "view" it online. I didn't need to give her my fax number when she requested it after the 6th request for it to be sent to my home address. Then I listened to her talk to her computer as she tried to figure out how to send an email to accounting to request it be sent to my home. Then I asked one final question: "What time frame should I expect to receive it in?". I asked for a time frame! She had no idea, had no turnaround averages or prior knowledge of how quickly such requests are making it to customers on average. She was surprised I'd asked. I suspected that many weary customers had given up long before getting to this point with her. I'm afraid to receive the result because I might have to call back and deal with them all again.

My loan from Citi Financial Auto was sold to Santander Consumer USA. I had 3 payments left. I sent in the first of my 3 payments at the same time I always do. I then began receiving threatening phone calls at home that "this is an attempt to collect a debt." Now, I just made the 2nd of the 3 payments and have received a call at work yesterday from one of their bill collectors and again this morning. It said that this is an attempt to collect a debt.

It's very demeaning and upsetting. I had an auto loanan agreement. Every single payment has been on time, and the account is in good standing. I do not need to be harassed. The caller told me I was being hostile. I asked him for his name and he again stated I was being hostile. When I asked him for his name again, he hung up.

I am now in fear of my credit being ruined because of this company. I am living through the ensuing harassment at home and at work. Unscrupulous business practices. Why are they allowed to get away with such?! They should be put out of business. I'm upset at work. It's hard to focus on my job from the verbal abuse and harassment. This is invasion of my privacy. They make totally false statements that I am a deadbeat, a debtor.

I had an auto loan with CitiFinancial and I guess the loan was sold to Santander USA. Now, I have to pay a fee online of $10.95 to make my payments when I never paid a fee with CitiFinancial. How is this possible. I am of the belief that Santander USA is another fraudulent company that stays in business by buying loans and tacking on extra fees.

I am going to pay off the car and constantly let everyone I know not to deal with these crooks. Our so-called president said that this isn't suppose to happen but the greedy bank executives always find a way to screw the common person.

Earlier today I wrote a complaint about Santander. A few hrs later, the repossession company brought our car back to us, less the gas they used to drive it to their lot. The nice repo man didn't know what was up with the paperwork and was just doing his job. I will now need to call the repo company Monday to find out why we were put through this aggravation.

Our car was repossessed today Sunday Oct. 31, 2010! The order to repossess the car was sent the day our payment to stop repossession was met, Wednesday Oct. 27, 2010. My husband spent much time, Monday Oct. 25th, talking with various people at this company to work out the "deal" which was to stop repossession which they said was already in effect and work out a smaller payment arrangement. The payment was accepted for the 27th. I spoke to a Nancy to confirm the arrangement and make the payment over the phone which included an extra $10.95 charge along with a confirmation number for the payment.

This Nancy also suggested that until the payment was received on the 27th that we should "be careful with the car." Considering this was my first experience with a repossession I had to clarify what she actually meant by the statement. I asked her since they had my address and the repo company would have my address, did that mean I should park my car at another address or since I do live in the woods, maybe park the car out in them?

She responded that while she couldn't actually give me advise or tell me outright what to do with the car, any of those options would probably work if the repo guy came before the 27th. Nancy was a very pleasant person to talk to. I called Santander on the 27th to confirm that the payment was received and that the repossession order was rescinded, which whoever I spoke to that day confirmed. My husband has been collecting unemployment and out of work for a year now. I have been actively looking for work for over a year. We have been struggling to make the money we do have stretch as far as we can. Robbed Peter so much he no longer will take my calls.

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 19,122 and total mileage of 99,200. 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.

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 give the FDIC permission to investigate and respond on my behalf.

My car loan was bought from CitiFinancial auto by this company. I had fallen upon hard times the past year or so because my wife had been sick and she lost her job and I lost a job and took a salary hit after securing a new job. I was working out payment arrangements with Citi; I received a letter in the mail from Santander on or around 9/15/10 indicating they are coming to repossess my vehicle unless they received my full payment of balance in 10 days time. The letter was dated 9/05/10. So I called them immediately and said I was unaware my loan was sold and that I had previous payment arrangements with Citi due to my circumstance.

I told them they could verify with Citi and was informed that they would modify my maturity date and reduce my monthly payment to help but I would need to fax back a form that they would email me. They said they would not repossess the vehicle and when they get me my loan modified, I would start payments. I was told I had 5 days to sign and send the form back; I did not see the email the next day so I called back on Thursday 9/17. They said they would send it again.

I did not receive an email over the weekend so I called back Monday 9/20. I was told they had my email address wrong in the system. I asked if they check if the email actually goes through and is sent/received successful, they said no. So they corrected my email address and said the form should be emailed out again shortly. I waited a couple days; I still did not see an email.

I called back again and was told apparently they did not update my email in the system and it was still incorrect. The agent corrected my email and stated she would email my info and contact the manager responsible for sending out the form emails. I still did not receive the email a few days later. I called back again and stated I still don't have the form. I asked about receiving it via fax since it seemed their system was unable to email me. I called back a few days later around 9/ 9/28/10 after getting to a fax machine and was told that the fax could take anywhere from 24-48 hours. I told them I was not aware of that and that I did not have a working dedicated fax machine at the moment. On 9/30, my fax at home was fixed. I called them and asked them to fax it to my home. The fax machine was set to auto receive. After 24 hrs, I still had not received the fax. I called back again in Oct to inquire about the paperwork stating my frustration that I have not received an email: you guys haven't sent me a fax, etc.

I asked if there was another option and if they can email me the paperwork. I was told they could and would. I waited a couple days and received a letter from Santander stating they will modify my loan but I need to contact them so they can email or fax the form. I called back again and told them what happened and that I am aware of the loan modification program but need the forms! I spoke to a Paula who told me at this point that they were on the way to pick up the vehicle today. I expressed my frustration about not receiving the modification paperwork and that I was told that I wouldn't need to make payments until the loan was modified .

I also mentioned all this time that I've been calling, no one mentioned anything about making a payment or repossession and no letter was sent stating they had not received payments or stating they were coming to repossess my vehicle today. I stated that is completely unfair and unexpected. I told the rep I did not know any of this and wouldn't be able to make a payment until Friday 2 days later. She told me you can kiss the vehicle bye bye unless you make one full payment today.

I asked to speak to a supervisor which was Brad, the manager. He told me he would give me a couple hours to get the money or else they would come get the vehicle. After explaining the situation, he was like well that was before and this is now. I asked if it would be possible to schedule an ACH for payment Friday (2 days from the call date). He told me know they can only receive payment via a debit card or wire. So I got the money together and had my wife's debit card and provided the info. He told me the system wouldn't let him and to make sure it was a debit card.

I told him it was and that it was from our bank. He said okay, would I mind him putting the card through as an ACH which I told him was fine (this was after he told me they could only accept payment via debit or wire). He told me he would modify my loan after the payment and email me the form again. He also said he would fax in case I did not receive the form via email. I told him I would call him back to provide the fax as I did not have access to one at the time. I checked my bank account today and they charged the wrong account. I immediately called Brad's direct line a few hours ago and have not heard back. I received an email from them welcoming me to Santander on 10/12/10 and another email for payment confirmation 10/27 but still no email with the form to modify my loan.

Santander failed to take a payment out of my bank account one time and off of my debit card another time, which put me behind. The reasons still aren't clear to me. The money was there. And they never contacted me to let me know they didn't get it until two months after the second failure. In an attempt to get caught up, on September 1, I made a regular payment plus additional monies that was $88 over the payment amount. A rep contacted me and then said that if I could send an additional $250 and continue with the extra money in my regular payments, everything would be fine.

So, after borrowing it, I sent it. Today, Oct. 22, I got a call from Jenny. She asked me to send more money. I told her that I was down to my last $40 and that had to last me until the 1st of next month. At this point, she started getting rude. Under the guise of "Updating" my file, she started demanding information I knew she already had. When I told her nothing has changed, she accused me of refusing to cooperate. She was trying real hard to make me feel like I was the lowest form of life on Earth and shouldn't be breathing. She may have succeeded.

I had filed for bankruptcy in 2008 and after discharge was not able to get "conventional" financing for a new vehicle. I ended up getting a car financed through Santander. From the beginning of my loan I was making recurring payments through automatic withdrawals from my checking account. This terminated after a year without any notice that I would have to renew my request for recurring payments.

I received a phone call the day after my payment was due indicating that it was late. I went online and made a one-time payment that cost me $13.00 above and beyond my regular payment. I wanted to reinstate the automatic payments but when I went to do that it said the date to begin the payments was that date so I called to verify that the payment would not be taken out prior to my due date of the 16th of the following month.

I was very clear and specific in my question to the person on the phone who indicated that they were not permitted to take the payment prior to the due date so even if I signed up now, the payment would not come out until the 16th. I went ahead and signed up. Lo and behold, two days later, the payment came out of my account, 25 days before the due date, obviously taking funds that were allocated to other expenses.

After faxing my bank statement from my place of employment (a law firm) showing the withdrawal, the funds were eventually returned to my checking account. Since all that happened, I purchased a new car where I was able to get financing with a reputable and well-known financing company at a great interest rate. The day I bought my new car, I went online to cancel any recurring payments because the loan to Santander would be paid off through my new purchase. I received confirmation of the cancellation. The next business day, the funds for the payment to Santander were automatically withdrawn from my account without authorization (as it had been canceled due to my new purchase).

This time, the funds taken caused an overdraft and I incurred fees in the amount of $121. I notified Santander immediately of the error and requested that the payment be reversed, which now five days later, still has not been done. A phone call gleans only a "the matter is being researched and it will take 3-5 business days to be resolved".

If ever you are in a position where the only financing you can get is through Santander, I would strongly recommend you look at a buy here/pay here, a loan from a family or friend if possible, or walk. Any or all of these options are a better alternative than dealing with Santander.

My auto loan was sold to Santander with a year left on the loan. I wanted to get the loan paid off,so I started paying large amounts several times a month. In July 2010, I paid $3100.00 in several increments and paid off the loan on 28 August 2010 using the amount quoted to me by Santander. I received the lien release and a refund check in the mail for $4.46 within a month. It is now three months later and I got a letter stating that the payment I made for $900. On 7/23/2010, was short by $19 and it did not satisfy the payoff.

Now I ask you, if I paid $3100 in that month and then got the payoff quote from the company on August 25, why would I owe $19.00? I called the company and explained the details. Before the customer service rep would answer my questions, she wanted me to give her all kinds of personal information such as phone numbers and my email address. I had their letter in hand and provided all the information necessary to identify me as the loan holder. The other information was not necessary, especially since the loan was paid off.

I asked, why I needed to give that information and she backed down. After I again stated my case, she put me on hold and after a couple of minutes came back to the phone. LaToya told me she had spoken with a manager and the $19 was an error. It would be removed within three business days. Now, I ask you, how many people would just pay that $19 and never contest it?! That's a scam and they are betting that the person on the other end will just pay it to make sure their credit is not touched. They could be making millions scamming people a few dollars at a time. Stand up to them! Make them prove it. I will be checking up on this to make sure it is removed!

I had received a statement that they bought out Citi. I had direct debit for $839.00 on the 10th of the month; we called to make sure they had all the info they needed to debit my acct. They said yes. Well, they took $839.00 out on the 10th just like the past 4 years. No problem but 3 days later, they took $731.00 out of my acct. We called them and they said someone as my wife or I made a phone payment for that amount, then they hung up. We called back 4 more times and were told different stories each time; they would not let us hear the phone conversation that they have recorded.

They said we had to get a bank statement from the bank ;we did and faxed it. They said 2 to 3 days, we called to make sure that they received the fax. They said that the money would be back in the account in three weeks as they said they have a process. I asked for a manager; they give me William **, the biggest *** I have ever dealt with, and they would have someone call me. There is still no call and no money. I cannot get any answers.

I paid off the auto loan that had been purchased by Santander. The next month, August 2010, Santander deducted a payment from my BOA account. They acknowledged that the account had been paid off and that their deduction had been done in error and promised to credit the amount to my BOA account. After 10 phone calls, three of which were hung up on, I was assured that I would have my funds refunded. That has not happened. I am filing with the small claims Court in Redmond, WA this week to have Santander order to return my funds, plus interest. If you are contemplating a loan with Santander or suspect that a loan you have made is being sold to Santander, do not let it happen! These guys are crooks!

Our daughter, Natasha **, died in May, 2010. Her vehicle was repossessed. We attempted to negotiate a settlement with Citi-Bank to buy the car at Bluebook Value. She was sold a lemon with many repairs needed. City-Bank sold the vehicle to Santander Consumer. We were not notified. They wanted us to continue payments, but refused to negotiate or speak with us because the car was not in our name.

Our attorney had filed for Power of Attorney and we had sent the death certificate and given requested information to Citi-Bank so that we could handle her business. Santander would call our house several times during the day asking to speak with Natasha, after being informed of her death, causing extreme emotional distress. October 13, 2010, Renovo, according to my neighbors, approached them asking of our schedule. I was home. Later that evening, a male with a badge around his neck knocked on the door, saying he came to repo her car. I asked for paperwork and he had none. I asked him to leave, he did not. I closed the door he knocked again.

I told him I was calling the police. He called the police and told them I pointed my gun at him. A white female and a black male officer showed up and asked if I pointed my gun at him. I told them no. The female officer hand was on her gun. I explained the above to them. That I didn't know this company, I had no business with them, they had no paperwork to say they could repo our daughters car. The car was in a locked area. The female offer, made my neighbor and my husband remove their car from our driveway, and demanded that I unlock our gate without knowing if the car was on our private property.

The male officer, asked for my name and birthdate. Our intention was to buy the car at Bluebook value, which we thought was on the table. If they had produced paperwork saying that they were sent by the company that had the title to her car, we would have allowed them to take the car, without them breaching the peace of our home and our neighborhood. The officer held the gate open so that they could pull the car from our yard. Her demeanor was unprofessional, she broke the civil law, Breach of Peace, which she had no authority to enforce.

She did not see paperwork or check the VIN on the car to verify ownership, until after the fact. She threaten me based on the word of the white male, that I had pointed my gun at him. There were at least five of my neighbors as witness, throughout the entire episode. After they had taken the car, nothing about the reason for them calling the police to our home, a gun being pointed at a person, was addressed. No charges were filed. She kept asking if he pointed a gun at me, no. I told her I called the police, because he would not leave my property, front porch, after I asked him several times to do so.

I received a payoff balance from this company over the phone, with a payoff date. I sent a cashiers check (like they requested) and had it overnighted. It was received by them about 5 days before the due date. On the date that they signed for the check, I received a call from them regarding the money owed. I told them that I had mailed the check and that their company had signed for it earlier that day. They said that if I had sent the money, they would not be calling me. I was strangely disconnected from this employee after I asked to speak to a manager. I called back and spoke to another girl who said it had not been processed yet, but the amount I had sent was not the correct amount.

There had been interest added in the amount of $12 and some change. I told them I sent what they told me to send and way before the due date. She said she would send this off to her boss and have it taken care of. After that day, I received a call from Santander every other day about this $12. On the days they were not calling me, I was calling them to find out the status of my account, every time I was told it was being sent to a manager to be fixed. This went on for a little over 2 weeks. I had also left messages on the VP's voicemail with no call back

At this point, I was getting close by there records to being 30 days late. Out of desperation, I figured I would just pay them the $12 as to not affect my credit. I was told I could not make the payment by phone and had to send another certified check. "Okay, so I will send you $12." "Sorry, sir, there has been more interest added, it is now $13.16." So, $18.00 to overnight the check, $5.00 for the cashiers check x 2. This is the second time, plus $13.16 that I do not even owe them. This is the worst company that I have ever dealt with, ever! They just got the money yesterday, so let's see how bad they can ** up getting me my title.

I bought my car new in 2008. In June of 2008, my loan was sold from HSBC to Santander. My payment according to loan documents that I signed gave me a payment date of the 27th. Then I get a letter stating that it's been changed to the 3rd. That was just the beginning of the mess I'm in. I went to make my payment today, and they say I'm behind one month. Two months ago, it showed that I owed $400.39. Now it shows that payment due is doubled. While looking at my statements, I received two in August and on one of them, they got rid of the last 4 numbers of my account.

From that point on, Santander has been sending me statements for $800 and some cents. You can't talk to anyone and if you do, good luck understanding them. My husband called them today and was told that my statements always show the next month due along with the current month due. Not so! It has been this way since August. This is so frustrating. I am going to my bank next week to see if they will buy out the loan. But, after reading some of the other posts, good luck to me in trying to get the payoff amount.

My truck loan was sold to Santander from CitiFinancial Auto without my knowledge. When I noticed my payment had not come out automatically, I called to find out why and got the message that it was now being serviced by Santander. After over 10 minutes of automation which told me my account was past due, I finally reached a human who could hardly speak English.

I was informed that I needed to pay over the phone (with only a $10 charge of course) to bring the account current and then we could get the rest worked out. So, I paid (Sept 9th). I then went online to set up the auto draft like customer service told me to do.

Guess what? They debited my account again (Sept 12th)! When I called in, the customer service rep told me that it could be reversed and they'd had numerous problems like this. I decided not to worry about it as I already had pulled it from savings upon seeing it debited from my account. She also told me I wouldn't have any payments due or deducted until Nov 7th.

She put me on hold where I waited for 28 min just so the call could be answered and then disconnected. I also did a live chat while on hold and when I asked for a complaint address he disconnected the chat. I called back yet again and when I spoke with a rep, I was told the accounting dept. was closed and I'd have to call back tomorrow. Awesome.

My husband is on a hunting trip on the other side of the state and is now stranded as his debit card will not work. We are also heading into a weekend and cannot use our debit cards or checking account. My rent check is being deposited tomorrow (this should thrill my landlord). So here we are today and I just got off the phone with customer service yet again.

I finally spoke with a supervisor who was at least better and could speak English but who couldn't tell me anything about my account. I will never do business with this company again!

After talking with two representatives and one supervisor, they told me to review my payment history. I did pull off from their website the so-called payment history. (I digress here - I am an accountant by trade) I reviewed their history and I had a hard time understanding their postings.

However, what I did understand is how one month my payment applied to the principal was higher than the next succeeding payment and this happened throughout the transaction history. In no accounting scenario is this feasible. I recommend everyone review your payment history and immediately bring to their attention the problem. Unfortunately their parent company is in the UK (Britain) so they don't care. I will be talking with an attorney regarding possible class action status as I am sure I am not the only account affected. Needless to say, I am going to have to pay an extra $544.37 to hopefully get title to my vehicle. So in a nut shell, run from this lender and run fast!

In 2007, I co-signed a car for my now ex-husband and this company calls everyday - morning, noon, and night. This company has called my friends which has nothing to do with this matter. I have talked to them and asked that my name be excluded from this matter but they have yet to leave me alone and are calling everyday and night. They will not change things and I don't have use of the car or do I have anything to do with its owner so they should leave me alone.

It causes loss of friendship and high blood pressure stress.

Santander bought my auto loan from HSBC. I paid the loan off, sold my car 4 weeks ago and can not get the title from them! It is impossible to talk to anyone on the phone, only on hold for literally hours. You can chat online with rude customer service techs only! This company is a perfect example of why the U.S.A. is in financial ruins.

Both of my car payments have been sold to Santander Consumer. The first one started out saying that I was one month behind when I was current with them. I protested and they finally corrected their mistake. They were supposed to change my due date to the 10th of the month. They have yet to complete that.

I get tired of the reps not fulfilling their obligation to the customer. CitiFinancial Auto was an angel compared to this racket. They totally suck. I am arguing with them over my second auto now. They won't take my payment for any amount other than what I actually owe each month. A scam to make more interest off me. I understand that one.

When you get a different rep, you get an entirely different answer. I am really fed up. I attempted to contact a supervisor with my concerns tonight and was hung up on by 3 different reps. I advise a class action lawsuit regarding the fees and personal anguish we have all endured. I also think that this should be addressed with by the Better Business Bureau and the Attorney General's Office regarding gauging us with their fees. I would love to know everyone else's thought on this.

My auto loan was through HSBC. In April 2010, my truck was repossessed by Santander. I never received any notification from either company that there was a "transfer" of my loan; my payments were being accepted by HSBC during this whole time.

The only way I found out was via research on the Internet. After paying $1400 more than what I owed to get my vehicle back (missing it's stereo, mud flaps, and bed liner), my loan was paid off on September 11, 2010 with an additional payment made due to the phone calls I received on my work phone, cell phone, and home phone at least 10 times today; yet here on October 11, 2010, I am still receiving phone calls from "Drive Financial" stating I will be 60 days past due on October 15 and if I don't pay $624.00, my vehicle will be repossessed no later than October 20.

Mind you, my loan is paid off. When contacting Santander's Title Department, I am told that even though my loan is paid off, they cannot release my title because my vehicle is slated for repossession. This is what I get when not being hung up on by their supervisor (Lynne) or being placed on hold for 45 minutes. I cannot make a payment to shut them up because my loan is paid off. But until I make a payment of $624.00, my vehicle will not be released from the repossession list. I may need to get an attorney to deal with this as I have spent over 70 man hours on the phone and over $100.00 in long distance bills trying to get a title that is rightfully mine. This also caused stress. I make $38.00/hr. Maybe I should bill them for my time.

Due to having been laid-off in 2008, I was late on my car payments. I literally took a job working at a movie theater, but obviously, I eventually feel behind. I concede being late on payments is my own fault and I take responsibility for that. Ironically, I am recently re-employed and am now able to caught-up. On 10/6/10, I talked to a collections rep who told me that my car had been assigned for repossession and I would need to make a payment of $275 by Friday, 10/8/10, to stop that from happening.

On 10/7/10, I made a payment of $310. My car was repossessed anyway the night of 10/7/10 to 10/8/10! When I called Santander to get the situation resolved, 3 people, an account manager named Tasha, a collections person named Margaret ** and another account manager named Ed said that it was their mistake or they empathized with the righteousness of my situation but it was out of their authority. I was transferred to a woman in "reinstatement" who claimed that the reason the repossession had occurred was that since my payment had been made after business hours, the "stop" on the repossession had not reached their affiliate.

At this point, I felt that although I had already missed a day of work at my new job for this, it was a relatively easy fix. They just had to contact their affiliate repossession company and have them return the car to me ASAP. Unfortunately, the people with Santander are saying that what I had been told about having until 10/8/10 to pay was "a different department" and in order to get the car back, I would have to pay the entire past due amount, repossession fees of approximately $500, and whatever arbitrary fees the the repossession company chooses to charge me! Their explanation is that because the message between them and the repossession company was apparently "crossed" that they are not at fault.

This is ridiculous because:

- I had been told I had until Friday to make my payment; the payment was made Thursday, it posted Thursday, and the car was still taken Thursday. Even if their story about it being after business hours on Thursday was true, it wouldn't matter because I had been told I had until Friday anyway.

- The repossession company is their affiliate.

- It doesn't matter if I had been told by a different department, it's all still the same company. What kind of business practice allows one department of the company to say that it doesn't matter what agreements another department makes?

I asked for a manager and was twice disconnected in transfer. I called back and spoke with a collections person named Sal who repeated Santander's "shedding responsibility" line and was somewhat rude. I asked for his manager and was transferred to Mario ** who identified himself as Sal's boss. He was much more polite, but he also repeated Santander's refusal to do what is right. In addition, he said that the 3 previous employees who had said that I was in the right would be disciplined for putting the company at risk.

I explained to Mario that if that was Santander's position, then I would file a complaint to the Better Business Bureau. While he did not "write-it-off", he did not seem concerned. Mario transferred me to a voice mail for Terra ** who is apparently a manager in the "reinstatement department". I left a message for her to please call back, but have not heard from her.

This is very much an unfair business practice. A fair resolution would be for the car in question and my property returned to me as soon as possible. Without any problems or "hoops" from neither Santander nor their repossession affiliate. This includes:

- Not being forced to pay fees including storage or other fees from Santander's repossession affiliate;

- No "hassles" such as "you must pick up your car 100 miles from your house during the hours of 1:00 pm -3:00 pm" for example.

I would also like a formal and written apology from the company. And finally, since this is clearly an unfair business practice, I would like the policy amended not only for me, but for all consumers. It is neither fair nor right for a company to offer an agreement, then refuse to honor their agreement because: 1) the agreement was "made by a different department (in the same company)" and 2) "the message 'did not get to their affiliate in time".

They are saying my husband owe them $1,6622.81 in car payments and we have proof that we been paying for a long time. They don't have it right; I want a lawyer to fight the repossession.

After paying on my car loan for 57 months out of my 60 month loan, always making payments online, they started charging $5.00 to make an online payment without giving any notification whatsoever. When I spoke with Terri in their live chat online, she said there was nothing they could do and no manager was present. Well, now I have to pay $5 to make my car payment. I would have mailed the check had I been notified of this change.

In trying to retrieve my title, they will not answer my calls in order to have my address changed.

Our original car loan was with Citifinancial Auto. They sold it to Santander. We went to our local bank to refinance the loan. After approval on September 24, 2010, we have been requesting information from Santander to finalize our loan. We requested a copy of the title and amount owed be faxed to Granite State Credit Union. They complied with the title but after numerous calls from the credit union and myself to Santander, they cannot explain why they can't or won't fax the amount owed to Granite State Credit Union. On today's date (10/04/10) I spoke with a "supervisor" who said she put in another request for this information.

Santander just recently acquired my auto loan from Citifinancial who recently left the auto finance market. During the acquisition process, Citifinancial notified all of its existing automatic pay customers that their final debit would come in August and if they wished to continue auto pay, they would have to re-register with Santander Consumer USA directly to do so.

I for one, in never hearing of Santander Consumer USA opted to not do so and decided to just mail my payments. Upon checking my online banking account about one month later, I discover that Santander Consumer USA took it upon themselves to register me (unauthorized), and debit my bank account (unauthorized) resulting in a double payment as I had already mailed my payment to them.

When contacted, a representative by the name of Jaquinte attempted to deny any wrongdoing and try to make me jump through hoops to get a refund of one of those payments. I had to take time out of my busy schedule, set up a conference call with my bank and their company, and was then told that it would take 7-10 days to get my money back. This is unacceptable, and as a result I plan to either seek other financing options for my vehicle or trade it all together to get away from Santander Consumer USA and their unethical practices.

Auto Loan was sold by CitiFinancial to Santander. I was never given a notice and I started to receive calls that payment was not made. I am never late with Citi in four years), told the ACH was not working glitch in system, then told not to send payment in until they were sure it would not be deducted.

Finally, they sent payment in only to have another payment taken out. Within two days of receiving the check, I received statement showing late charges of $16.80 x 2 and I was told by Ayana that charges will be reversed. Company lies to consumer.

I was overdrawn on account and had to stop payment on check; bank charged me $25.

Santander bought Citifinancial Auto and I had gotten no notice from Citifinacial just from Santander. I was approved through Citifinancial for an auto loan commandment to reduce my payments due to hardship, right before the transition of Citifinancial to Santander. Santander will not recognize Citifinancial amendment agreement with me, stating they have their own rules. We need this hardship adjustment on our auto loan that was agreed and approved by Citifinancial Auto.

Since Santander will not recognize Citifinancials rules and agreements with me, I am now left with an outstanding interest rate and no help with loan amendment to keep my car which in turn will prevent me from being able to keep productive.

I called them again after a second letter and I was told by a different person that the payment would automatically come from our checking account on due date, the same as previously with CITI. Since I has been told previously this would not happen, I made another call to verify that our payment would come from checking account. I was told no. Since after several phone calls and different employees at Santander had answered my questions differently and our payment date was the next day, I gave the employee our bank information and I verified that this was the September 21st payment with a confirmation number given to me by Santander agent.

I called Santander and asked why did this happen. I was told that the first payment of $438.38 was already set up thru CITI and then I called in and made a second payment of $438.38 on 9/20/10. I explained again that I was told I would have to do the September payment by internet or phone because it would not be taken from our checking account automatically.

I then told them that we are requesting that our pay off and payment history be faxed to our credit union so we can get credit union to finance this vehicle since we do business with credit union and was told by them to have Santander to fax information to the credit union.

I called the credit union to notify them that information would be faxed to them and she said I will call soon as I receive the fax. No fax. So husband called Santander and he was told that it takes 72 hours for fax to be sent and he asked why 72 hours and why his wife was not told of this and he was told it has to go thru several departments before being faxed and they don't know why I was not told. The credit union has never heard of this time for a fax to be sent to them. And each letter we received had a different dollar balance. When I questioned this on the phone conversation the balance went up more, which totaled $309.69 from first letter dated 9/6/2010 until 9/20/2010 on phone.

The economic consequence is we had to borrow money ($450) to deposit in our checking account so we could pay more September bills that was still due. But I think the nerve problem was worst then borrowing the money and we were so confused and not told the truth from the beginning. Of course, I have no proof since I did not record all phone conversations concerning our account.

I had received a letter stating that Santander Consumer USA had taken over my auto payments from Citi-Financial about three weeks prior to my regular payment. Well, as I had an auto deduct from my checking account to Citi-Financial, I didn't really think too much about it other than to file the information and know they were now the holder on my car's note. My monthly auto deduct is due on the 20th of every month. This month my wife and I were in Chicago for her high school reunion and returned home on that Monday the 20th. I had a statement from Santander for my regular monthly amount that is due, but should have been taken from my account on auto deduct.

We got home from the airport at 9:00 at night and I called Santander. Of course, no one was there and I knew that if I didn't pay that bill, I would be considered late by their standards and it would go on my credit rating, which I was trying hard to rebuild. I had plenty of money in my account. So, I called them back. In their automatic system, I paid my regular monthly payment by credit card and let it go at that, with the intention of calling them in the morning. Well by the time I reached them in the morning, they had already "auto deducted" my regular monthly payment the night before, for the same amount less the service fee I had to pay for paying with a credit card. So, I now had paid twice and Santander hadn't even been on the job for a full month yet. What else was I in store for with these people?

I called and tried to get them to just refund the one payment they had taken out and of course they didn't. They said I had to show that it had been taken out of my account and fax them something showing them that it had done so. I was livid. I said, "You have the nerve to tell me. You not only have taken my money twice, but you have the gall to tell me the burden of proof is on me to show you that has come out of my account?" They said, "Yes!" My bank has been great in terms of providing me with everything I need in order to give them what they have asked for. But the point of the whole thing is they took the money out on auto deduct, and they took my money from me as a regular payment. They should know money they have coming in from me and they took it.

The whole thing made me think of them as a sleazy used car sales type of dealer, which in effect I guess that's what they are. They are buying used paper from failing banks and using high pressure tactics on people who can't afford to do otherwise. My advice: pay off your car and buy another one from someone else who is more reputable. Wells Fargo has a feature called Bill Pay which allows you to control who you pay. And when you pay them so, you control when your money leaves your account. All you need to do is create a payee. In this case, Santander is already there, under the name of "Drive Financial". Don't ask but the address is the same. So, that's what the banker and I have used to create the Bill Pay account for these guys. If you're with Wells Fargo, have them help you out. Good luck everyone. I consider myself lucky from what I've read here as it's only my first month and I'm only out one month of payments. But some of you are out with repossessed cars and I'm sorry to hear that. These guys will get theirs. Just don't do anything stupid.

I was never informed that Santander bought Triad, until Santander began to call and harass me daily. I asked for proof from Triad and Santander that they were legitimate, because I never received a notice from either company. I continue to make payments and keep all receipts. But I still need legal information saying that I need to give them the money, opposed to Triad. Till this day, they refuse me any legal documents that they brought my contract. I make my payments. I'm still asking for legal documentation. What can I do to resolve this matter?

Santander just took over Citifinancial Auto's accounts. I did not receive a letter regarding this until after I have mailed my monthly payment to Citifinancial Auto. Well, supposedly Santander says there is no way to verify if Citifinancial received my payment or not!

I used to have an auto loan with CitiFinancial Auto, but I fell behind on my payments in 2009 so the collateral, or auto, for which the loan was given was repossessed at the order of CitiFinancial Auto on September 30, 2009. At the time of the repossession, I owed $7,549.81. After CitiFinancial Auto received their collateral, I was given a credit of approximately $5,549.81 on the loan and the account was closed one month later. $7,549.81 minus $5549.81 equals $2000, but there was some kind of protective insurance for the loan, protecting their investment.

Some of my personal belongings, left in the auto, were returned to me but not all of them. Since that time, I have received no correspondence from CitiFinancial Auto. Almost a year later, I received a statement from Santander Consumer USA Inc, on 09/22/2010, stating that I still owed $8,549.81 on this auto loan that I formerly had with CitiFinancial Auto and that the account that had been closed is still open. I feel that this is a fraudulent attempt to collect a debt that I no longer have. If this inaccurate claim were reported to any credit reporting agency it could adversely affect my credit rating.

I had $1,200 left to pay for my car loan with Citifinancia lAuto. I received a letter in the mail stating that Citifinancial Auto would no longer accept my payments and I had to start sending payments to Santander Consumer USA. I called Citifinancial Auto and they transferred my call to Santander Consumer USA. I received the amount due on my account. The letter from Santander Consumer USA stated that I had a new account number and that I could make payments online. On 9/8/10, I made a payment of $400.71 from my bank account and sent it to Santander Consumer USA online like they told me in the letter I had received.

As of 8/17/10, the money that I sent through Santander Consumer USA has not been posted to my account. The first customer service representative that I spoke to on 8/10/10 told me that it would take about 5-7 business days for the $400.71 to be credited to my account. That time has passed and the money has not been placed on my account. Today, 9/17/10, I have spoken to several customer service representatives and no one can tell me where my money has gone. Six customer service representatives told me that they do not see any payments made on my account even though I told them that I made the payment almost two weeks ago through Santander Consumer USA online payment system.

One representative told me to fax a copy of my bank statement showing that the $400.71 was deducted from my account and sent to Santander Consumer USA. My bank told me that because of security reasons they could not fax that information but they would send the information to me in an email and I could fax the transaction information to Santander Consumer USA. I sent the fax on 9/17/10 but I'm still waiting on the Santander Consumer USA to update their telephone system. At 1:00 p.m. on 9/17/10, after I had faxed my bank information to Santander Consumer USA, I spoke to another customer service rep and told him about the fax I had sent and the representative who told me that several customers had made payments through the Santander Consumer USA online but they were having problems with their new system. They were trying to get things straightened out.

The customer service representative told me that once I faxed my bank information with the transaction to Santander Consumer USA, they would straighten out my account. My account still does not reflect the payment that I made online. I called Santander Consumer USA at 7:25 p.m. on 9/17/10 and spoke to another customer service representative (Shaddi) who could not only tell me that there were no payments made on my account, could not answer any of my questions and she finally hung up on me. I called Santander Consumer USA at 7:39 p.m. and a representative by the name of Tony told me to call back in a few days and hopefully my money should have posted to my account.

So what do I do while I wait for my money to get on my account? I told each customer service representative that I would not be making any more payments until the situation is cleared up and I definitely would not give Santander Consumer USA another online payment.

I have been paying off my auto loan for the last three years. My payments were always in full and on time plus I made multiple extra payments which allowed me to pay it off years in advance. The monthly payments were drawn from my checking account automatically. In the beginning of this month, I was able to pay off the loan in full. The last payment I took care of on the phone with a customer representative. My loan was then paid in full and I was told my title would be sent to me. I asked if the automatic payments would now be stopped since there was no loan left and I was informed he was stopping the auto-payments as I had paid off the loan in full and owed nothing. I thanked him and hung up.

Then several days later, a withdrawal in the amount of my regular monthly automatic withdrawals was taken from my checking account, no small fee of $582, and this was after I had paid close to $2000 this month to pay off the loan. I called customer service again and explained the situation. They informed me that it was too late and I could get a refund, but that it would take up to 30 days to reach me. I explained I didn't have an extra $582 to wait for 30 days to be returned to me after I had already paid $2000. They said it was "procedure" and could not be done another way. I then asked exactly where my money was going since I had no loan left with them and nothing for the money they had taken to be applied to since my loan and all fees were already paid in full. She did not respond accept to say the refund would get to me in 30 days. I checked with my bank that was unable to stop the payment as it was already withdrawn. I budget quite well, but I do not have an extra $582 a month sitting around.

I am $582.80 short this month, which will impact not only my budget for other expenses such as rent, student loans, etc. I am also scheduled to go on my first vacation in over a year next week and now have no money to cover for expenses such as food, gas, etc. as the $582 was to cover those expenses. Thank you for your time and consideration.

In February 2010, Santander Consumer USA took over my loan with HSBC Auto Finance, as HSBC went out of business I think. From the start, we had problems with them not applying the payments received on time and adding the following months interest to the current balance. I started sending the payments via certified mail, so there would be no late fees as I did not trust the company. Yesterday I've received my what should be last payment notice. On it I've noticed a $3.78 fee, not specified what for. When I called customer service, the representative was not able to explain the fee. I asked to talk to the supervisor, which is almost impossible to achieve. Finally, the supervisor came to the phone and told me the same thing; can't explain the fee - don't see it on my account and that's all.

Customer service at this place is absolutely horrible, not to mention that it is very hard to understand anyone as they speak very bad English. I was denied the supervisor's phone number, I was denied the corporate phone number and all I got was the PO address in Texas to complaint in writing. I was told to pay what's on the invoice, even if they could not explain the charge. I was also told that next month I'll be receiving another bill for about $5, for what I don't know and they would not explain.

My loan should be completely satisfied after this months partial payment, I have all documentation to prove it, and per my original loan agreement my final payment should be $523.87. Santander states the balance is $532.67 and cannot explain the additional charges. I've never been in the duration of the whole loan with HSBC, been late or missed a payment. I did pay the $3.78 fee, and I'll pay next month's $5 bill, as I don't want to compromise my credit, but I'll file complaints against this company and get to the bottom of their fees they're unable to explain. If they charge every single client an extra 8-10 dollars, that's lots of money.

I'm dealing with this company, who is trying to hide and deny the fact that they are a collection agency, was one of the most unpleasant experiences ever. It was not by my doing to end up with a collection agency, and I feel so bad for people who have to deal with them for long time. It is for me not the $8 they trying to get from me with no explanation or reason, but the principal, and companies like this have to be stopped from overcharging people, adding on fees for nothing and poor customer service.

I'll be looking for other ways to get to the bottom of the fee charges, and do something about it. Denial of phone number to the supervisor's or corporate office will not protect Santander from complaints, it will just ignite it.

I learned the other day my car loan was purchased from Citi Financial by this Santander Consumer USA. I had called to see why my monthly statement hadn't been sent yet. I was told that they weren't going to send out one for September but I would receive one in October. This sounds like a shady company to me. I'm going to file a complaint with my Attorney General before something bad happens.

I had to make an emergency trip to Florida on Sunday, the 5th of September, 2010 as my father was in intensive care dying. I began receiving phone calls from an 800 #. When I returned home the following Saturday and checked my P.O. Box, I had a letter from CitiFinancial Auto informing me that they had sold my auto loan to Santander Consumer.

After speaking with someone from Santander regarding my past due payment, I was told that they could not make any payment arrangements with me. So, I'm waiting to see if my car gets repo'd. How is it that you enter into an agreement with a certain financial institution and the next thing you know they've sold you out to someone else? And take your vehicle if you're behind on a single payment?

I tried to explain that my husband had been in an accident and on life support and was now doing rehabilitation at a hospital. She kept asking for my husband's physical address and I told her to contact the said hospital because that was where he physically is residing. She kept asking for the address and I gave her our POB where we receive our mail. She was beyond rude and hostile. When I asked for her name and operator number, she gave her first name and hung up. At this point, I am $185.00 behind on my payment and will make this payment today. I did call back and asked to speak to a supervisor and was again connected with her. This woman should be fired. The company should be investigated. And the people should be trained that you get farther with honey with people then by being rude, indifferent, and yelling and screaming at people. If it wasn't for us they would not have their jobs!

I keep getting different answers from this company! Due to being on furlough and a medical issue, I fell behind on some payments. I have made partial payments in between. Now recently, they have told me that my jeep was in repossession status. But when I have my retirement 401(k) company on the phone, they have reported that it is not in repossession status! Even today, when I asked them for a letter as 'proof' so my I can make a withdrawal from my 401(k), Chris became smart with my Retirement Rep on the phone. It's like they don't want to help me obtain this money in order to get my account caught up and keep my car from being repossessed! Then Santander informed both my Retirement Rep and myself that because I live in California that they don't have to send me a letter.

Is this legal? Is this true? I am making a payment this Wednesday, September 15, 2010, to save my vehicle, but I still will need my money released from my 401(k) to catch up with my account! I am tired of getting different answers about this account. I am warning anyone that has an account with Santander, they are basically the devil! Just look at the address 660633. Here I am, college educated who works for the government, and all I requested from this company was a Repossession Letter so that I may withdraw money out of my account! Please help me understand this company! People are even on ** complaining about this evil company! If there is a lawsuit filed against this company, please keep me posted! Thank you so much and our Jesus bless you all!

I was a customer of Citi Financial Auto and found out that Santander Consumer USA took out 2 unauthorized payments totaling over $1,000. It overdrew my bank account and I ended up having numerous overdrawn charges on my account to various companies. They are 'supposedly' working with me but aren't accepting what my bank is sending them. I have COPD. And I take numerous medications that I don't have funds to refill with, as well as the stress it has put on me.

Over the past 6 months, we have received phone messages left by Santander asking us to call them. We did call them back once, gave them our name and they asked for our account number. The funny thing was we have never done business with them. A letter from Santander dated 8/19/10 indicates that we were in default of our auto loan agreement as we had not secured auto insurance (complete falsehood) and that we needed to prove insurance by 9/03/10. Keep in mind now that this vehicle was financed through Sovereign Bank and sold to Santander without our knowledge (never notified) by mail. I called Santander and spoke with the representative and asked for a fax number to send the insurance certificate which he provided.

What started out as a friendly call turned hostile immediately with him demanding a payment over the phone as the account was two (2) months late and what good is insurance if they were going to repossess the vehicle. I did ask him if he was getting his jollies by threatening me over the phone at which point I told him the car was in Houston. Well, the car was repossessed on August 28, so I guess sending the insurance documents were just a ploy, lie, dirty pool, snake in the grass move. First off, my wife is a co-signer on this vehicle for our daughter, we have made the payments for her while she was in school and out of work.

When Samantha got a job, we turned the payments over to her. She is two (2) months late, she is also a cancer survivor and handicapped. On 9/07/10, we got another letter from Santander stating that unless payment is made in the amount of $833.54, they will sell the car after 9/12/10. My wife contacted Santander today 9/7/10 and asked about their accounting practices. It seems that if you fall behind and send a payment late you are not credited for the late month but for the current month, which means you missed a payment entirely. Given the state of the economy, I would think some compassion and understanding would be called for. I believe the Attorney General of Texas should investigate this company.

Currently our daughter had to secure a rental to get to her doctor appointments and this has created a tremendous amount of stress as there is no working with these people.

Well, I have 2008 Dodge truck that was originally financed through HSBC. However, they sold this loan to Santander. The truck is in my name and also my ex-husband's name. If either one of us is late past five days, the calls start rolling in. They call at least five times a day and when I call back, it's like if they do not hear the answer they want to hear, then I just get hung up on. These people are rude and smug. It's harassment, total harassment. I have never had any problems with any finance company like I do with these guys.

We paid our jeep off in June 2010. I called to see about our title and when it would be released. I spoke with the title department, and they said they would release on July 1, 2010. It's July 19, 2010, and we have not received the title. I spoke with Stacey, and she checked and for some reason, the title was not released. She said that she would get it out and we should receive it in about 5 days.

On July 22, 2010, we did receive a title which was not ours. Then I filed a complaint with the BBB. On August 5, 2010, I spoke with Micah, and he said that Stacey was working on it. On August 10, 2010, I spoke with Sherice (?). She said that I should talk to manager Dan. So I left message on his phone that we have not received title or release of lien. They overnighted the release, but it did not have the right VIN on it, so it was of no use.

On August, 11, 2010, I spoke with Dan and explained to him that we had the wrong title and release of lien and that we had already paid for the title through the loan. He said that he would get a duplicate. Also, I filed another claim with BBB. On August 25, I spoke with Dennis, and he said it takes time and showed where Dan had asked for a duplicate. Then, I was put on hold, and Dennis came back on and said they needed more information.

On August 27, I called Dan at 9 a.m. and left a message. On August 31, there's still no title or call back from Dan. I called again, and they said that Dan was in Atlanta on a business trip and would not be back until September 6.

We could have sold the jeep, since we are very much in need of the money because Russell was laid off from his job. I have MS, and the stress has definitely caused some complications. I am starting to lose my hair. We had a buyer in July, but without a title or release of lien, we could not get sell the jeep from which sale, we could have money needed for living and my medicine.

This company took out 5 car payments in one month, when I only authorized one payment. This caused my bank account to become overdrawn, and fees were assessed everyday. They refused to refund any of my money. I was able to have my bank reverse 2 of the payments, but I still had tons of fees tacked on to my account.

This company is horrible and is conducting business in a fraudulent way. My checking account became overdrawn which caused other checks that were scheduled to come out to bounce. I have over $300 in bounced check fees. This has put me into a financial tail spin.

First, we received a payment statement from this company for our auto payment. We never sent them any money. We kept sending it to HSBC and still to this day, we sent all of our payments to HSBC. We go to buy another vehicle and the dealership shows us our credit report is showing Santander Consumer USA claims this vehicle is paid in full. What? So we end up not trading in the Focus and went ahead and bought the other vehicle. We contacted HSBC and they have no clue and they no longer due loans in the USA. What? So we contacted Santander Consumer USA and they said they bought our contract from HSBC and I said to wait. We were never notified of any chance. Aren't you, by law, supposed to notify your customers of any changes? And they said no!

They said we owed over $1000.00 to them. I said, "Wait a minute, our payments have been and shall keep going to HSBC until I receive a letter from them of any chance." The lady was rude and nasty and she sent me over to another person (collections department) and this lady was a Chinese or something. She couldn't understand me or I as well could not understand her either. I explained over and over to her and finally I just hung up! I sent certified letters to both companies showing all payments made. Then we received 2 more letters from Santander Consumer USA, saying they were going to repo our vehicle again. And again we sent letters and showing payments made and that we signed up with HSBC for automatic payments to come out of our checking account, which we always paid more then the actual payment due.

We had to move to another bank because Santander Consumer USA was taking money out of our account (which we only signed up with HSBC). So the bank demanded they put it back. We had to close that account down to get them to stop. Cause they kept doing it. We never allowed Santander Consumer USA to take money out of our accounts; all payments went to HSBC and we sent letters and letters to both companies of all payments made. Santander Consumer USA is still saying now, as of 8/25/2010, that we owe over $2,000.00 to them. Not true! We had to get an attorney to deal with this issue and we requested the companies to come and get the auto immediately. We told them and told them both all the information they have on us is wrong and incorrect, of addresses we have never lived at, and the phone numbers they are calling our work, and friends and families. We had to hire this attorney to stop the craziness; mostly likely we shall have to file chapter 7 on them for these reasons.

Do not get a loan from either company. You'll regret it! It's a darn shame people have to go through this with this company!

In 2007, my fiance and I financed a 2000 Dodge Caravan from Harry Lane in Knoxville, TN. After trade in and a down payment we were told that left us owing about $6700.00 on the van and would be financed through Drive Financial.

We paid our payment and got laid off from employment but continued to pay payments on the van, may not have been in full but payments were made. I requested on numerous attempts to ask the finance company to help work with me and change my due date. All my bills fell on the first of the month and made it more difficult.

Now I have learned that Santander Consumer USA has taken over Drive Financial and call themselves A Debt Collector. I have had my van repossessed and paid the requested amount to receive my van but learned that hidden and bogus fees were added when van was repossessed.

I have every receipt that I have paid on the van and totals to $8101.92. I have paid over owed on my van but the finance company says I still owe $4500.00. I can't get anyone to help me understand what has happened and due to the ** that Santander has put me through, no one will take my van as a trade in.

My husband and I financed a Nissan Maxima with HSBC Auto Loans in December 2006. We had a flawless payment history with them (despite being considered high risk because we had no credit) and never had any concerns regarding our account. As soon as Santander took over in March 2010, we've had issues on a monthly basis.

Our loan was set to mature in December of 2011. And now according to Santander, it won't mature until May 2012. We're paying more in monthly interest than we were with HSBC and the current payoff is less than half! After speaking with numerous individuals from Santander, we were told that they don't have our loan agreement with HSBC and that they will continue to charge interest as "they see fit." When I asked to have that put into writing, I was told that's not their policy.

I have repeatedly asked to speak to management and I'm told that I can't since the manager will tell me the exact same thing. I've asked for a documented payment history and was told that they can't provide it.

How can a company purchase a loan without having a copy of the loan's terms? Help!

My auto loan was purchased by Santander. It was previously owned by HSBC Auto which got out of the car loan business. In 3/10 when the sale/conversion took place my payment had already been sent to HSBC. Santander is now reporting that they did not receive my payment on time and are reporting it 30 days late to the credit bureaus. I called the Credit Reporting department told them what happened and was told a manager was not available and I'd be called back the next morning. The call never came.

When I called back, I was told nothing could be done and I could not talk to a manager, I'd have to call back in 20 minutes. When I called back, I got Aletha who was rude, argumentative and did not want to transfer me to a manager. Eventually I spoke to Vanessa, a manager. She stated they understood the time frame and what had happened but it was not possible to change. I asked for her manager and got Marie. She had an attitude from the beginning and said it was my responsibility to call them and report my payment had been lost. How was I to know? When I had finally spoke to someone that they hadn't received it I immediately made the payment.

She said too bad and nothing would be done. I asked for her manager and she told me she didn't have one, she was the boss. How can these people get away with this? I am in the process of getting a mortgage and this is making it next to impossible to get. I did not ask them to buy my auto loan from HSBC and am being penalized for their mishandling of the conversion. Someone needs to sue this company and let them know it is not right. I am not being able to get a mortgage for a home I am trying to purchase

I have had mixed results with Santander. They call incessantly just like Drive Financial did - the company they bought and took over my car loan from. Even when you make arrangements with them to pay. These are good arrangements, fair arrangements that I've made and made good on time and time again. But they call you incessantly anyway. And I've spoken to some impatient employees and I've spoken to some kind and patient employees who are incredibly kind and very willing to get the information I have to give.

However, I now have a principal balance that is more than the one I began with. I've been making $608.98 payments for 2 years now and my principal has actually increased. I was provided with 2 forbearance for 2 months' payments each, so I've actually only paid about 21 months of payments. However, that's a lot of money to pay and still have a principal that is equal to or greater than when you began. This can't be possibly constitutional that they can charge you late fees and late fees upon late fees that are almost equal to one monthly payment. Especially when Santander never sent me terms for how those late fees were to be calculated.

With Drive Financial, I didn't pay any late fees - I was hardly late with them though. I didn't begin to consistently fall behind with my payments until my loan was bought by Santander. Santander has been great with me in providing the forbearance which I truly needed so that I could keep my payments up-to-date. But how will I ever pay-off my car at this rate? The term of my car loan was to be 6 years. The only reason I took a 22% interest, 6-year loan is because I had a bankruptcy that hadn't cleared my credit report yet. I am clear that my loan wasn't the best or brightest of all the loans, and this is what happens when you declare bankruptcy.

Now I'm just trying to get ahead and I want to know if there's any way to stop Santander from charging these outrageous late fees that keep you making loan payments to them forever. There must be a way to head them off at the pass. I'm sure I'm not the only one who looks at my bill and thinks, "When will this end?"

Over 20 years now, all of my previous car loans had been paid off and on time which is why they allowed me to get two cars in June 2010. In June 11, 2010, I got a Solstice financed under Santander Consumer USA and they called me as soon as I got in the car at the time of purchase, and the representative asked me my name, insurance company (I said the salesman just read my insurance information to you. I would not be able to drive off the dealership without it why are you calling me?) representative continued, "Your address, phone number, work number" the representative. She asked me everything that the Chrysler, Buick and Pontiac major main stream reputable Dealer asked me at financing hours ago. I thought this was strange because the GMAC Financing on my other vehicle did not call me, the representative laughed and hung up.

Santander Consumer USA called me a few times daily in the month of June and sent me emails that they had financed my Solstice. I paid my June payment on time. Then by June 24, 2010 (the actual due date of the car note), Santander Consumer USA sent a car repossession company to my job and they drove thru the secured parking lot. When I got home I was told by a relative who answered the door that a man came by the house and asked, "Does she stay here? Does she have a Solstice?

Well, I am from Santander Consumer USA and we wanted to see where she lives at and to tell her to make sure she pays her payment or we will take the car back. " The next day I called Santander Consumer USA about the calls, the work and the incident of the man coming to my home and that I wanted to make a complaint. I was told no by the representative and that is how we at Santander do business. We have had people take our cars to other countries and states and never pay. I asked to make a complaint. Again the representative would not allow me to speak with a supervisor.

Then as a result of five unexpected bills in the thousands, I was late on the Santander Consumer USA payment (I have been late thus far by 3 weeks regularly and making 2 car note payments and all late fees are paid. My point is the unexpected bills kept me threw off. Therefore I have been seeking overtime to no avail and a second job).

I was late two weeks late on the payment, called ahead of time to say that I would be late, asked what the projected late fess would be and told them that I would pay through Western Union. I got my check, it was less than anticipated. I called and said that I would have to mail because I could not pay the union fees.The representative assessed said: You said you would do Western Union now mail I assess a late fee of $45.00 additional for your mail in balance. Santander reported to the credit bureaus that I am 60 days late when I really was two weeks late. I asked the representative, "Why did Santander mail me a letter stating that I was late on my July payment and that I am 60 days late when in fact, I am two weeks late on the June payment but early for the July payment?"

The representative said, "That's because that is how we do here at Santander." If you would went Western Union. I would not have assessed another late fee, but you did not keep the agreement." I said, "That is not right and illegal. I will mail in a money order now to show that I am not late for July. If I have to beg, plead or borrow $45.00 - I will to mail in to show that yall are false." I mail in the entire money order payment of $833.69 weeks prior to the due date. This is now the only evidence that I have to the credit bureaus that I am not two months late and I should not of been assessed $45.00 extra late fee.

On July 20 2010, I told the representative I would be late for the August payment. The representative said, "You are late and have not paid the July payment. I can set you up to have $833.69 taken out of your checking account to cover both payments and projected late fees." I did. (Note: Payments are dues on the 24th of every month). Today is Tuesday 08/17/2010, I got a letter for Santander Consumer USA for a A $45.00 assessed fee for 8/24/2010, assessed fee of $$45.00 for 08/04/201, late fee 08/02/2010 of $19.31 for July, 07/24/2010 late fee charges of $39.64. And the representative scheduled to take out a payment from my checking account Friday 08/20/2010 for $833.69.

Today Tuesday, 08/17/2010, I called Santander Consumer USA and said, I have this letter stating that I owe $877.67, I called last week 08/06/2010 and was told again that I owe $833.69. Why have I been assessed a $45.00 fee for the August payment when is you look at your phone records the representative set up a payment of $833.69 to be paid from me again on Friday 08/20/2010 as I have paid $833.69 previously when I was late. Why is it $45.00 more and why is Santander Consumer USA asking for $877.67 this week when they asked for $833.69 to be taken out? The representative in a horrible inaudible accent, read my statement of payments to me from the first day I got the loan. I said, "Ma'am, another representative may be able to help me, even a supervisor. Anyone but I cannot understand you clearly.

I also do not understand why I am being charged $45.00 for 8/24/2010 as it reads in this letter and I do not understand why you are stating as a response to my question you were late June, you were late July, you were late August. I paid late and all late fees I paid as your paperwork says $833.69 in July. I got the car in June 2010 and the representative set me up for a deduction on Friday to pay $833.69, 08/20/2010. Why is it $877.67? The representative said I will have my supervisor call you back and they are going to read the same thing to you. Have a nice day and then she hung up. I am waiting for the payment to be deducted as arranged on Friday 08/20/2010.

I am forwarding my loan paperwork and history of payments to the Michigan Consumer and Industry Services, Michigan Attorney General, and the Better Business Bureau, Federal Department, etc to have an outside party assess the unending additional car note monthly fee I am being charged. The late fees and if it was legal for Santander Consumer USA to send a repossession company thru a secured parking lot in a prison (where I work) and to my home to forward me to make my payments and make them on time for complaint and to see if legal.

I was with HSBC auto and about 4 months ago, I went to pay my bill and I found out that I was with them, so I called them so that they can know what was going on with me. I was told that I was 4 months behind in my payments when I was only 1 month behind. So I asked them to send me the info in writing and they would not do it, so what they did was start to harass me. So I contacted a lawyer and he explain to me what it is that i need to do.

I wrote them a letter so that they would send the info, but instead of sending info to me they came and took my car on Friday nite Saturday morning and then charged me to get my belongings out of the car. I don't think that they should be allowed to do that with out trying to work with you. I had that car for 5 years and do not understand why HSBC was willing to work with me and Santander was not willing to do the same. Please help me to figure this out and find out what it is that I may or may not do to get the car back.Please Help.

My account was sold to these creeps by another sorry ** banking institution (Sovereign). My original contract had a 5-day late fee of $5.00. I always made my payments on time, or at least before 5 days late fee is charged. After these creeps assumed my loan, if I'm as much as 5 minutes late, they call me every hour, all times of the day and night (they scramble their area codes, use unavailable numbers), and are down right rude when I do answer.

Something should be done about them. I see they are constantly buying auto loans from other institutions, and I'm not sure if they have, in fact, raised my interest rate after they bought it. I can get no one to answer my question. I'm in the process of getting an attorney to look into it. If I find they are in fact doing something illegal, I'm will spend every last penny I have to nail their ** to the wall. they are the most horrible company I have ever dealt with. They have reported late payments on my credit report, when they were within the 5 day period. They have also wakened me up, and harassed, me hour after hour.

I explained I do not have access to a fax machine and asked if I could mail the paperwork again, and they interoffice fax it to the correct department, I was told no. I reminded them the name they have on record is not my legal name, the insurance and registration on my car are also not in that name, as well as all the payments I make with check state my correct last name. Again, I was told only faxes are allowed. I requested a supervisor and spoke to Urenda, who said to me after I explained the situation again, "You mean to tell me there is no fax machine in your entire state?" I'm astounded that this is the words that came out of the "Supervisor's" mouth. I asked to speak to a unit manager who I was told I wasn't allowed to speak with. If you loan with Santander this is the type of service you will get. Do not loan on them!

Santander Consumer has bought out my HSBC Auto loan. After making a couple of payments, they sent me a letter saying that I could defer a payment (for a charge of $25) to allow me to use this money for anything else (adding the payment at the end of my loan). I sent the letter (signed and dated) well within the period allowed. I received a phone call 20 days later saying my payment is overdue with additional charges. I called three times to explain that there was a deferment and that if they checked their records they would see I sent this letter, etc. I was shrugged off and was told to call on the next business day so they could look for the letter.

I called the next business day and the representative told me they found the letter, but that the deferment was declined. So how was I supposed to know that it was declined? Why was it declined, and why did they send me a deferment offer in the first place? They would not admit any fault or any apology...nothing. But when are you sending 2 payments due, well, that's customer service for you. I will never have any affinity to any loan offered by this company. And as consumers, we don't have to.

I got payoff figure and due date for my vehicle and mailed the certified check and letter stating that my account was paid in full. The check was received on time and cashed. I called asking where my title is, then I was told that I owe extra charges. I told them that I payed the figure they gave me before due date. I was fighting back and forth on several phone calls but they still refused to give me the title.

I called to see what services they could provide to a household that had two parents on state unemployment that got cut off without notice. Michael said that it would be at 8 percent. I had the lowest around and they have loans at 21 percent. I said that they must have a hardship program. Silly me! They are in business to prey on the unfortunate. Michael said that I can pay $186.00 which is half the amount every two weeks. I said that it will not help me paying the same amount in half and sooner. Then I got Ivina who is with a strong Indian-English accent. I asked for a program to help in hardship. She said that I could pay 29 days later. I asked if I will not get a finance charge. She said that I will still get charges. I asked her to repeat three times because still I was not seeing the benefit. I was wondering if it was her accent that I wasn't getting it.

In this economy, I am working a part time job making 2/3 less than when I signed up for the loan. I asked her where I was calling and she said that she cannot tell me for security reasons. I asked if I was speaking with a supervisor in America that has a finger on the pulse of what is happening to the economy. She said that the main number is a Dallas, Texas number. Does that response give re-assurance? I said that I want to talk to a bank manager and she said that I was already talking to a manager. I asked of what kind. She said customer service manager.

I said that I still want to talk to a manager who can understand that I want a re-finance and to pull the interest that they are making out if I do not get a rate reduction. She said that if I would call them, I will get the same answer. I doubt it. I suspect that she is in India making the decision for the American Bank. It's unfortunate that our country has come to this. I am planning to write them a letter in the mail so I know that it goes to Texas and I am planning to re-finance a 4 percent loan else where. It is their loss in business. We should all do this and send them a message.

I requested a deferment early in the loan, due to the fact my son had no place to live during his last 6 mo at Sam Houston. The deferment was declined not enough time, so payments were increased. I paid 775 for months still couldn't make current. (I have copies of the letters).

Then in February of 2010, my wife lost her job & I ask for help. A manager work with her and once again increased the payment, still no deferment. The thing that makes me upset is the fact I am paying 12.87 per day late fees, and I feel this is the driving force for not granting a deferment. It's too late for help for me & my loan. I am not giving these piranha another cent. But Please do what you can to help other not to get contracts the will never be paid in full.

I had a car loan with HSBC. On 02/2/2010, I totaled the car and GEICO paid off all except about $1,900 about the end of February. HSBC set up a payment plan with me to pay off the balance which I accepted at $111.24. I noticed that GEICO sent in the wrong amount to pay off the car, short by about $720. I called GEICO who straightened everything out about 3/2010. I bought a new car around 02/20/2010 that happened to be with Santander. Soon after Sandander bought out HSBC and my old loan with HSBC with a notice, that my loan with HSBC will continue with them as with HSBC (I have the paperwork). GEICO sends in the $720 to Santander bringing my balance to $1,200 to which Sandander said that now the agreement was set at $73.00 per month. I have paid the bill on time and above the amount.

Today, 6/22/2010, I discovered that I was denied credit by a credit card agency not due to credit but to too many reviews on my credit and too many new accounts, they never mentioned anything else. I want to see who has been looking at my account and see the accounts that I have as I did just buy a house.

When I reviewed my credit report from Equifax, I did see that Santander listed my account from HSBC as Delinquent due to charged off and closed. I was still getting a payment letter from them for the next payment. Santander told me on 6/22 that this was because their policy is for the balance on totaled cars to be paid within 60 days. 60 days from when? Does Santander's policy go into affect when the accident took place? Or when they bought the loan. If so, since the charge off was March 31st, that was surely less than 60 days.

I never received notice of such policy concerning the transferred account, (although that could be on the fine print of my loan with them for my new car). My credit has a new negative mark on it, along with a credit card with a 0 balance that's closed that I cannot contact to settle from 2005 that I did not open. Now, Santander will settle the account to be paid at $500 by 6/30/2010, but the bad mark remains on my credit. What should I do? What can I do? It all seems unfair and the lady I spoke with, Norma (I have her number and extension), said it was a shame but that is their policy. Now, other than accept Wells Fargo's offer to refinance my car, I am stuck with this issue and these highly incompetent people. I have been denied by them due to this charge off

Today, 7/8/10, after I had spoken with Mark who said he'd fix the charge off now, has it listed as charged off on May 31st to show the 60 day period elapsed. They never notified me of their policy or gave me a chance to fix this but immediately put this on my credit. When they were wrong, they fixed it to show on my credit but did not remove it or set up a payment arrangement which Mark, at extension 55389 said he would do. Mark will no longer accept my calls. Ebony, a very nasty woman, said I was delinquent and should have called Santander about my old car loan to fix it and said that I didn't do what I was supposed to do to fix the problem. She said it was my own fault.

How am I supposed to know about policy if not told? How am I supposed to know that they would not honor the agreement they said they would honor. This company is a shame and are there to ruin people's credit. Something has to be done and I am going to make formal complaints to the credit bureau, FTC and Texas state attorney general. They won't even give me an amount to pay monthly. They will only give me a pay off amount to pay by tomorrow and still ruin my credit. I'm going to send them $50 per month until this is paid and if they try to ruin my credit further, I will see if I can sue them. Credit damage as I could not have a loan with them refinanced with another company. I'm stuck with them and this bad rating as a result of their blemish and I never took this loan out with them. Nor can I get my other loan for my new car with another company because of the damage they did to my credit.

I informed them I was trying to make a payment over the phone, but the system stated I had an invalid Santander account number. The representative told me I needed to drop the last four digits. He proceeded to tell me that he could help me with the payment, but a convenience fee of $10.95 will apply. I was outraged and told him I would mail the payment. He then threatened me with added interested and that I should pay the fee. I requested he waive the fee as it was my first payment and the statement did not indicate a convenience fee would apply for phone payments. He only stated that he could not waive the fee.

I requested a supervisor and he let me know that he could transfer me to a supervisor, but she would not waive the fee either. I let him know I wanted to take a chance with her anyway. I was put on hold and when he returned to the line, I was told that his supervisor had two people in front of my phone call. I can understand that! I called back and spoke to another customer representative who stated the same $10.95 fee that could not and would not be waive. I once again made my argument about the payment options and she only stated the fee would be charged. I again requested a supervisor. When a supervisor finally came to the line, I stated my argument. She did relent and waive the fee.

Although I did get what I wanted, I think Santander is offering poor customer service and doesn't regard any concerns made by their customers. Do yourself a favor and request another loan company if you are ever offered an auto loan through Santander.

An employee of Santander has stolen my bank routing number and account number when mailed to their Po box at Dallas, TX 75266-0633. I have only made 2 payments to them via check since they took over the servicing of HSBC Auto and my info has been compromised. This person has made their own checks with my routing number and account number but the name Brittney D. and a Duncanville TX address, and has cashed one for $465 at Old Navy in Plano TX, and then a smaller one at Krogers in Fort Worth Texas, then she also went to Burlington Coat Factory in Dallas TX for $355.

If anybody else has had their identity stolen by "Brittney D." or any other name while making their payments to Santander Consumer USA, email me back please, and we can make sure this person is stopped. I have pictures and there is a surveillance video with Krogers in which the manager has burned on a disc and is saving in their safe. I have lost a lot of time at work, of course, I have been out the money she spent for a couple weeks while my bank sorts out their insurance claim. And have had to deal with so much stress and anxiety I have been losing sleep. I am thinking about getting a lawyer or something but not sure exactly how far to take this. If anybody has any advice I'd love to hear it. Thank you.

Errouneous Charges once I satisfied my 36 payment agreement.

As of today June 26, 2010, my Santander Consumer USA, INC Payment History Account shows that I am paid in full, I have made 36 payments of $249.65 beginning 07/27/2007 to 06/27/2010. I have satisfied my contract on June 14, 2010.

Santander took over United Auto Credit - Irvine in May 2010, unfortunately Santander posted my May and June payments to Interest which is not part of my original Security Agreement with United Auto Credit - Irvine.

I have been unsuccessful in getting this problem corrected, I have spent hours on the phone and on the chat line with Santander, I also faxed the discrepancy to the ASU Department. Prior to Santander taking over as the Lien Holder, my prior 34 payments have been credited to Principal.

I am very concerned about this discrepancy since I received a payment remittance coupon from SANTANDER requesting $243.00 payable by June 27, 2010, SANTANDER received the June payment of $243.00 on June 14th, In anticipation of paying my FINAL Payment and to receive paperwork stating that the Agreement has been satisfied I paid an additional $10.95 to have the payment posted via Express Payment.

The attached Payment History from SANTANDER shows that I paid on time every month for 36 months, I never paid too early, nor have I ever paid less than agreed amount.

I have supporting Documents stating that I have fulfilled my agreement.

2) MY SANTANDER ACCOUNT PAYMENT HISTORY (final 36 month pymt on 06/14/10)

Thank you in advance for your time and consideration.

I had a difficult time finding a company that would give me an auto loan. Don't remember exactly how, but got information over my computer for "Santander Consumer USA" and after listening to the sales pitch from them and the interest rate they quoted me, decided to give them a try and seek a used car. Once this car was found, the paper work was done and the percentage rate promised me over the phone suddenly almost doubled. Of course this was not discovered by me until the first payment became due.