Santander Consumer USA Reviews

I originally financed my vehicle in 2007 with CitiFinancial. When Santander took over the loan, I kept receiving phone calls that they had not received my payment, yet I had mailed my payment. This happened for about 6 months. I once again had to cancel those checks every month, resulting in fees with my bank. My maturity loan date is May 2013. Therefore, I should owe approximately $4,300. However, when I contacted Santander for a payoff, I was given $13,950 as a payoff. I repeatedly questioned why I owe more than my payments and I was not given an answer. I even tried to do live chat and when I questioned the amount, the representative ended the chat.

My husband lost his job and we have been making every effort to catch up on the bill. On 10/26/2012, we were over 30 days delinquent. The rep advised once we made the payment, we will be less than 30. She was gracious enough to get the fee waived. Once waived, the payment was made and she offered a due date change. We were leery but took the offer. The recording was done to change the due date and we knew we still owed for October. November would be due on the 25th. Well, little did we know nothing happened and after speaking to four different people (different answer every time) no one could advise the reason why the due date change was recorded but yet did not happen. The reps are exhausting and not knowledgeable at all. It shows they only work for commission, not for the benefit of no one but their paycheck. The best advice is, don't attempt to take offers of due date changes. You will be more upset than ever.

I bought a vehicle through CitiFinancial in 2006 that was sold to Santander in 2010. My contract was for 72 months which was due to be paid in September 2012, but like so many others, I had a few hiccups. So after making 64 payments, they are stating that I still owe over $16,000.00 on my loan. I only found this out when we went to trade the vehicle in. They sent a printout stating how my payments were applied - with some of the payments not reflecting what was paid.

I had a loan with Santander and I thank God that I put down $8,500 on my vehicle, so recently I was able to sell it to a dealer and received my payoff plus a little extra for my pockets. Now I realize not everyone may be in a position to do as I did. This company is very disgusting. After making 8 on-time payments to this company and owing more than what I financed and having their customer services reps try to justify it with some logic as if I were an idiot, I knew I had to get rid of the vehicle. I did 2 days later. This company is no more than a ripoff to desperate people needing a vehicle and having challenged credit. Some people have also had accounts sold from other banks.

It's exhausting trying to get anything done with this company. My loan was sold to Santanders from CitiFinancial. I was fine with paying my $450 car payment and everything was just fine. The problem happened when I totaled my car. Santander decided to double payments on me. I tried to work with them and explain that I can't afford to pay $900 a month due to being a single father. It was call, after call, after call in trying to communicate with them that I want to pay my normal car payment because I can't afford $900 a month payment. No one would help me and basically said they cannot help. I continued to pay the same amount. Interest, late payments started to eat up any effort to pay. This has been frustrating and I am at a loss on how to work with a company that just doesn't really care. Why are they doing this to consumers that are really trying to be responsible and just pay what was originally agreed?

Santander has contacted me after and before legal calling times. I work on a graveyard shift and have had my sleep interrupted on an almost daily basis. Also, somehow, they have contacted friends of mine who are not listed as references and are not part of my loan in anyway whatsoever. The practices of Santander Consumer USA are outrageous. How do they get away with what they do?

When is someone going to finally do something about Santander USA? Like all the other complaints that I have read, my story is the same. Santander USA took over two car loans, one from CitiFinancial and one from HSBC in or around October 2010. Like most consumers who fall on hard times, making payments became difficult. We called Santander and they had zero interest in helping out, even putting payments to the end of the loan. This month, both of my vehicles were repossessed - one on October 2nd and one October 18th. This company is so shady with the way they do business and yet no one will do anything about helping out the consumers who are getting screwed by a company that is out to rob the consumer. We called to see if we could maybe get the vehicle that was taken on October 18, 2012, only to find out that they already sent it to auction. They had only had it for 4 days. How can they not even give you an opportunity to get it back? That's just not right! I want to sue this company, but who can help me?!

My auto loan was sold to Santander Consumer USA from CitiFinancial in 2010 and the nightmare began. My loan was due to be paid off on September 30, 2012 but due to several financial problems, it is now due to be paid off in March 2013 which they agreed to but they are saying that we still owe over $16,000 on the loan that was only for 72 months. We called today to get an explanation because we found the contract with the initiate outline. No one could explain the tacked on money that they are reporting is still owed on the loan. My husband was going to trade the car in but couldn't once they lied about what is still owed on the vehicle.

My loan amount from this company is $20,500 and I paid more than $5,000 in the past 12 months. My balance is $19,500. My advice to people like me is never to get a loan from this company.

I was supposed to finish paying my car loan in October 11, 2012. When I went online to check my balance, it was showing me $600.00 more. When I called them, they told me it was because of late fee interest. They told me that I was late 8 times. I told them, “* times in ^ years and you're charging me $600.00?” The best thing he could say was that he was going to remove one of the late fees ($19.79). Wow. The next week, I went online to make another payment so I could get this done and over with, but the online site payment was down and I couldn't make a payment. So, I called them and they want to charge me $15.00 to make the payment by phone. I told them that I usually pay $5.00 to make the payment online. They told me that it was nothing … they couldn't do anything. I told him that it was not my fault that the system was not working, and he still told me that he couldn't do anything. All I can say is this company is full of crap.

What happened is my car loan was given to another bank without my knowledge nor was I notified of the change in banks. I purchased the car in May of 2006. The bank I had then was HSBC Bank. They turned my car loan over to a company called Santander USA. For two years, I was still sending my payments to HSBC Bank without knowing about the change. Now they are trying to make me pay late charges fee which is over 2,000 dollars because the original bank who I was still sending the money to was sending my payments to them late. They tried to tell me that they tried to contact me which is not true. They also told me that they were sending my mail upstate NY. I can't see that because my zip code is not an upstate zip code so there is no way they can say that. Also, my job number is also on the loan form along with cellphone number. I tried to explain to the company that I was never notified about the change in banks. If I did, then why would I continue to send my payments by money orders through the mail for 2 years straight? How I found out about the change was a phone call I got from a friend.

Can someone please help me? I need help and I have no clue what to do. Santander is so hard to deal with and can’t explain certain fees nor send me documentation of a break down on how they are charging me the outrageous miscellaneous fees. I had Santander mail me a statement showing the payment history on my account and none of it makes any sense.

My auto loan was sent to Santander USA after HSBC closed their auto financing company. I have paid Santander USA $8400 since July of 2010 and found out yesterday while trying to purchase a new car that they haven't applied the payments to my accounts! I gave up years ago trying to gain access to my account online and receive statements from them. My plan was to contact them in December for my pay off amount and finally finish this loan until I decided to purchase a new vehicle this past week. My story is long and involved, but I am so tired of the ** this company is spewing. I have contacted my attorney in Texas and will be filing a formal complaint with the Texas attorney general's office. Do not do business with this company! If you are in my position and your loan was sold to them from another company, do what you can to find and refinance with someone else.

I paid my car off 4/12 and never received the title. I have a new baby and was shopping for a new car that would provide more safety than my current car. I cannot purchase the new car that I want because I don't have the title to my car; my property, no title. They have the correct address and I seem to receive all my other mail. Where is my title? Now, I have to submit for a lien satisfaction letter which I will need to use to request a duplicate title. I've been told I will not receive the duplicate title from the state of CT for 150 days! Thanks to Santander, I will need to continue driving a car I bought prior to having my child, one I would never have chosen had I known I was going to have a child! Thanks Santander! I love the inconvenience! And I love that you feel you need to charge me for the lien satisfaction when this is your mistake, not mine.

No reply on pay off amount - There is no answer on telephone calls. I've been paying this bill of $256.25 through ChargeSmart for Santander account per month. ChargeSmart has no record on the balance. I feel I'm getting ripped off. What do I do?

HSBC Auto was sold to Santander USA. Our loan was originally with HSBC Auto, maturity date 5/24/2012. Because of two deferments, it pushed our maturity date to 7/24/2012, no problem for us. As of 7/2012, we sent Santander, USA $1000 final payment only to find that they have since tacked on $1683.49 for what, we do not know. In an attempt to reach them several times, we were pushed from one rep. to another, all of whom were rude, unprofessional and harsh, to say the least. However, we were most impressed with Mr. Eric ** who claimed to be the president of what, we are unsure of. And of course there is Mr. ** who also called us and spoke to us as if we owed this outstanding debt that he nor the president could explain to us what this was for. So, as of this morning, 9-5-2012, we have now come to find out that this debt has increased another $500 or so bringing this debt to $2111 for what, again, we do not know. The maturity of this loan was paid off in July 2012. This company is a big rip off and we never had this problem with HSBC Auto to whom we've paid off one car through already.

On April 21, 2012, I was granted a settlement offer on my vehicle by a Ms. **. The confirmation of PIF and that title will be sent to me in 4 - 6 weeks. I have called them on the 6th week and every other week since. It is now 08/20/2012 and I have yet to receive my clear title. Other reps I have talked to are Rod, Kenny, Mr. **, Alitisha, Pete, Dawn, etc. How do I go about receiving my actual title? As of 2 weeks ago, I called and can no longer talk to a person. The automation machine wouldn't allow this since my vehicle is PIF, I cannot get into the voice mail system.

My account was paid off almost a year ago, but I never received the title or proof of lien satisfaction from Santander USA. According to The Department of Motor Vehicles, the company that originally held the loan, HSBC, still had a lien on the title. A call to HSBC directed me to the title department of Santander. Because my account was no longer in their database, I could not get past the automated system. Long story short, via Google, I discovered that the paid up accounts are handled by a 'partner', Title My Way, who processes lien satisfaction letters for either $30.00 or for $60.00 for next day expedited delivery. What crooks!

In September 2005, I bought a van with Citi Auto. They in turn sold it to Santander. It was originally for $23,000 for six years with a payoff date of September 2011. At that time, they made me sign a new contract, because I still owed over $11,000 at the time of maturation. I did defer six payments and figured it may be an extra year with the late fees. But it will be two more years for a total of eight years and with no guarantee that it will be paid off. Then, that's even if "I make payments on time." According to the new contract, that's what it said and it also had a disclaimer that I would not participate in a class action. I had no choice but to sign this new contract, because my van is still upside down and I can't get financed elsewhere and they would repossess my van if I didn't sign it. I am extremely frustrated with this "simple interest." It seems to me like it should be illegal for a vehicle loan. This is similar to what credit cards do for "revolving accounts." It takes the consumer forever to pay it off. There should be laws against this.

I have purchased a car through HSBC in 2006. Due to the economy, I lost my job in 2008. I am a single mother trying to make ends meet. I had asked Santander to stop calling my cell phone. They were calling every 15 minutes. I had lost the cell phone and was forced to move out of my home. I have not had any contact with them at all. I just made the payments as much as I can. I was usually behind during those times. When I didn't contact them, they were calling my relatives. I came home on Friday, July 20th and my car was being towed away. When I called Santander, they told me I have to pay $1,936 to get my car back. The payment I owe is $1,500, but $400 for the tow truck company? I have also asked what is the remainder on my loan. She said I owe $11,416 left on the car, 19 payments left. However, when I made the calculations, it is a total of 28 payments.

My starting balance was $17,000 and after 6 years the balance is $12,000. My payoff due date is 03-30-13. All payments have been going to the interest and never to the principal. I made a payment arrangement and then made two payments, but they said I was still behind and they can repo the truck as I was behind and there are also late fees. This is the worst finance company I know. My credit is not perfect, but the fees are ridiculous.

This company has been a nightmare since the beginning. The loan agreement was very misleading. I filled out all the paperwork Santander advised me to do and got the paperwork notarized in order to finance with their company. First issue was the car loan amount. My previous car loan company Lendmark told me my payoff was $10,898.00, but Santander/RoadLoans said I financed $11,320.00. I didn't apply for that amount. A refinance analyst named Joanna emailed me on 1/17/12 about the mileage on my 2006 Cadillac CTS. She wanted to know the exact mileage. I emailed her back with the info the same day.

Missing payments and harassment. I had $14,704.05 in ACH drafts taken from my account and paid to my auto loan but were never applied. I have numerous problems and have enough proof, but they won’t correct my account.

I took out a loan on a car with Sovereign Bank that was bought out by Santander USA. My household went from two incomes to just one recently and while we are struggling to make ends meet, we have tried to defer our car payments. We have Ford Credit and Santander Consumer USA. We deferred the Ford Credit payment with one phone call that took about 10 minutes and the deferred our payments for 3 months and it only cost us $15. Thank you, Ford Credit.

My auto loan is due to be paid off in August 2012. Santander is saying we owe over $2,500 more than what the contract states. I was told by a representative that since it's a simple interest loan, that it was due to additional interest that had accrued. My husband got on the phone and then she said it had to do with the fact that we had deferred 3 payments on the loan. A loan specialist at a car dealer looked at the contract and said it doesn't make sense that they are doing this. We were trying to trade our van in to get something else and the buyout, per Santander is over $4,000 and the contract is up in August of this year. Please help.

My 2007 450GL was repossessed after it was paid off. I was contacted by Santander 3 months after I received notification that my vehicle was paid off. In my ignorance I thought that I must have made a mistake, and so continued to make payments for another 10 months. Interestingly enough, I heard nothing from them for almost a year when I started receiving phone calls harassing me at work, on my cell phone, and my home 7 or 8 times a day telling me that I still owed 3 years’ worth of payments. Who in the hell are these people!? The repo "men" illegally came on my property and threatened to send the sheriff out and put me in jail if I didn't let them have my car.

I received a correspondence in response to a lawsuit and judgment against Santander for unlawful practices approximately three months ago. Santander repossessed and sold my vehicle for (Santander claims) $540 over the balance due on account and per the findings of the lawsuit, is responsible for reimbursing me the $540 overage. To date, I have not received payment. After receiving overpayments towards my account, originally with HSBC, Santander employees claimed that a $1,400 payment (sent via Moneygram to Santander) was not received by Santander but by HSBC (I have proof otherwise). If the overage payments are not received by July 15, I will contact the attorneys responsible for the class action suit against Santander to request assistance in recovering monies due to me for the illegal practices by Santander.

The company has the incorrect phone number and keeps calling me for collections 10 times a day. I am not the ** that you keep calling. No way would I do business with you myself. I tell you to stop and you keep calling. Idiots.

I took out a loan on a car with Sovereign Bank that was bought out by Santander USA. The notification letter specifically stated that no change in payment information was needed. Santander received and recorded three years worth of payments without issue. Then in December 2011 a payment disappeared. I contacted Santander and was initially told that "I" would have to contact my bank and Santander with all of the needed information. I refused and was turned over to the complaint department who contacted my bank directly. At that time, Santander said they would contact me again to provide an explanation of the issue when it was resolved. A week later the payment "magically" appeared 2.5 weeks after being sent, but no follow-up was made by Santander to explain the issue.

Another victim here. I bought a car in 2008 and financed with Citi. With just over a year to go, this company took over my account. I neither signed anything with them nor have I seen anything. It was financed for 48 payments. I have made them all and still have a $1400+ balance. I got a notice today that I have two weeks to pay it in full or they are coming to get the car. I have joined the class action suit of which you can google and find their site to join. I've already signed and mailed in my contract with the lawyer who is going to work with this suit. The phone calls and fees aren't legal. The lawyer told me as long as I didn't sign a modification, then they had to go by my original contract. I asked for a full account reconciliation as well as a copy of my original contract. That was two weeks ago and of course, they haven't complied.

This company, Santander Consumer Headquarters in Dallas, but the main office is Mexico City is definitely worth investigating. They are involved with fraudulent banking practices, violations of the Fair Credit Reporting Act, numerous violations of state laws including harassment and threats. The following links contain thousands of complaints and they all read with similar context and complaints of regarding corporate behavior. I'm certain the "customer service reps" are scripted.

For the last 6 months, I have written on my checks in the memo and called in every month to request my additional payment to be added to the principal balance and they refused to do it. They take it off my interest, but not lowering the principal balance. Every month, it is an argument and I am angry and feel this is illegal. There must be some way they have to accept additional dollars to be put towards the principal balance when requested. My principal balance needs to be lowered when I send in extra money!

I got a car for my daughter with Drive Finance. Santander got the loan from them, and now that I'm almost done paying for it (2 months left) with anniversary date 6/25/2012, 1 payment was deferred with Drive Finance. Santander sent me a statement for $2,700.80. This means I have 2 payments of $385.10 and should be paid off in July. How can they charge me so much extra. 6 years of payments, and now, they expect me to pay at least 7 more months. I need advice on what to do next. I can't pay this. I'm not working anymore, because I fell and twisted my hip. Please advise!

I first got the loan for my Dodge truck with Drive Fin. They then gave my loan contract to Santander. My health got bad and I had to quit work so I called Santander and asked if I could re-modify my loan. They said yes, so I did all they told me to do in a timely manner as per Santander. They told me my loan was modified and my payment would be less so I made the payments for 3 months. Then they said I was in arrears and that the modification did not go through, but they would modify the loan if I got caught up so I gave them $3,000. They said I was in arrears. This I was told and went through again. My payment was reduced, but I would have to pay the original amount before the first re-modification, which I had to or they would repossess my truck.

Trade-in payoffs apparently don't apply. On February 19, 2011, I purchased a 2004 Saturn L-300 from a used car dealership in Joppa, Maryland. The only company I could get a loan through was Santander Consumer USA (SCUSA), a 36-month loan with interest rates near 25%. I set up my payment plan through their website for automatically deducting my payment on the first of every month, starting on April 1, 2011.

This company is the worst. They repo'ed my vehicle after my lawyer and I asked for validation of such debt. They added thousands of unexplained dollars on the balance close to maturity date purposely to suck you dry of blood. I now have a lawsuit against them and advise everyone to do just as I did. If your loan was originally with HSBC, Citi, etc. and was purchased by Santander, look up how it was purchased. The "Sale and Servicing Agreement" will tell it all. How you get this is by going to the Security Exchange Commission website, sec.gov, and do a company search (HSBC, Citi, etc., whoever was the originator or original creditor of your loan). Look for Form 8K and Form 10Q. When requesting these forms, make sure it's within the time, month and year they purchased your loan.

In May 2006, I bought a new Toyota Yaris, which I initially financed through Southeastern Toyota. Later, I refinanced through HSBC as I had bought a house and wanted to lower my payments a bit. HSBC quit doing auto loans (I don't recall how long ago this was) and sold all (I guess) of theirs to Santander. Never again will I finance anything with these people. I've kept up my payments, though they were late a few times and I have paid all late fees according to their website. I have also, the last several payments, paid more than the amount due with a note to apply overpayment to principal. It will be (I hope, after reading some of the horror stories here) paid off with the Feb 2013 payment. But I'd sure as hell like to know how, if my payments are $319 per month, my account balance can be $3,734.06 with just 10 payments left and the payoff is more than that, at $3,767.85!

I purchased a Dodge Van in 2008. When I bought the van, it was through Capitol One Finance. Then a year later, they sold it to someone else but before that happened, I had renegotiated my loan to make my payments lower. Then in 2008, Santander bought the loan and it has been a nightmare since. I am so stressed about this company and how they handle customers that I actually am sick all the time and I am losing my hair from the stress.

I don't even have an account with these people! Yet, they call and go to my voice mail, but never leave a message. There should be something that can be done to people/companies like this.

I have a 2009 Kia Spectra which I financed in 2009 for $18,000. 3 years later, after making monthly payments of $457 a month, my balance know is $17,000. How is this legal and possible? I tried contacting the company several times. I even spoke with a supervisor and still they’re not giving a straight answer. I need help!

I noticed a change in my credit report in Feb 2012. It was for an account that was never mine dated 1998. I contacted Santander and received a letter stating that it would be removed from my credit report. It has been 6 weeks and still has not been removed. My credit score has dropped 23 points due to this erroneous report. I have sent letters certified mail and still have not gotten satisfaction.

In the last year, I had fallen behind on my car payments a few times. Each time, I was informed to pay the past due amount and bring my account current to remove it from the repossession list. Each time, I paid the amount and was then told my account was current, but was still called continuously about my next payment. In February of 2012, I was once again threatened to have my vehicle repossessed because I was 75 days delinquent and was told I owed $1,000.00 to bring my account current. I paid the $1,000.00 and was told my car was being removed from the repo list and that my next payment was not due until March.

I fell behind in my auto payments and my vehicle was repossessed on Saturday, April 7, 2012. I went to my local credit union on Monday to get a loan to pay the balance in full. I was granted a loan and the credit union mailed a check to Santander on Tuesday. I was communicating with Santander informing them what I was doing. I was talked to very ugly several times. I spoke to a supervisor in reference to this and he assured me it would be addressed.

In 2010, I reluctantly co-signed for my daughter Allasha ** to purchase a ‘04 Infinity from the Drivers' Select Car Dealership. Drivers Select told her that the car had never been wrecked. I went to the location to inspect the vehicle and after raising the hood. I observed a Yellow "X" that had been placed on the inside of a fender or below the radiator. This indicated this vehicle had been involved in a crash and the replacement part had been marked. I told my daughter in front of the salesman that the car was overpriced at $18,000.00. I told her she could buy a new car for less.

The loan had been with CitiFinancial and transferred to Santander. We had fallen 3 months behind on payments after 4 1/2 years on time due to many reasons. We had made two consecutive payments 2 weeks apart and were catching up. They repossessed the car a week later anyway. They said we had two weeks to pay and retrieve it. We filed Chapter 13 to refinance the car and house. They were legally obligated to return the car to us. We found out they had sent it 2 states away for auction after only three days. It took 3 weeks of phone calls to get it returned. It was damaged cosmetically and mechanically. It was obviously towed badly. I had to sign a form saying it was in good condition, which I did not want to sign.

Lies - Temporary Reduction: I fell behind on my vehicle because I am going through a divorce. I surrendered my vehicle and retrieved it back within 2 days after speaking to a service rep on my options. I was losing hope because the monthly payment was too high and though I wanted to keep the vehicle, I needed help with the payment. I decided to borrow money to pay the past due and retrieve my vehicle based on my 2 conversations with the same rep that I qualified for a temporary reduction. She stated she would email me the paperwork and if I didn't see it in my email, to check my spam.

My car was financed with Santander. I financed with another company for a lower interest rate. A year later, I traded the vehicle in. An extended warranty had been purchased. Only 48% of the warranty was used. The car dealership refunded $906 back to Santander and sent me documentation that the money was wired to Santander. In return, I faxed the same information I received to Santander. After two weeks of going back and forth and having to explain the problem over and over again, no one still knows where the refund is. Now Santander is telling me the dealership never sent the request but I have documentation. I have no idea how to get my refund back.

My car loan was setup on Santander's auto payment for 5-year loan. 59 payments were auto deducted correctly. My final bill looked no different than prior bills. It states amount due $464.99. It states: "Account is currently setup on recurring payments." The back of the bill states about auto pay, "You will never have to worry about a late or missing car payment again!" The bill does not state the 60th final payment must be handled any differently. In February 2012, I tried to apply for a different loan and am notified I have a Santander loan that is 30 days delinquent and was denied a loan.

My car loan was transferred from CitiFinancial to Santander. They began contacting me about September 2010 for payment. I sent them proof of payment then they said another month then another. It was awful. They're calling 5-6 times daily. Finally, I took out another loan with Wells Fargo just to make them stop and yes, they got more money from me than they deserved. Now, I am stuck paying but I do not want this to happen to someone else. They must be stopped. I only wish that I could be compensated in some way. It's so hard. Now, I have to pay on this car for years more.

They continued to allow me to pay late due to homelessness, severe health conditions (including hospitalization) several times, and car repair costs in lieu of monthly car payment. My car was financed through CitiFinancial. When the loan was 2 payments away from maturity, they transferred my account to Santander Consumer USA. I was never informed. Then, I continued to make payments. Now, the car was re-possessed and sold at an auction that I was never notified. The business that stored my car said Santander picked up the car just 2 days after they repossessed it on January 31, 2012. I was devastated. I had made prior arrangements to get caught up. I called them just as many times as they called me. If I could afford a lawyer, I would.

I bought my car with loan from CitiFinancial Bank in January of 2006. At some time between now and then, my loan switched to Santander. I signed nothing, it just happened. Sparing the details, I got a $19K loan, have made 74 payments and Santander quoted me (on the payment that should have been my last) that I still owed them $8K. So after making payments for 6 years, I still owed 42% of my loan due to irregular penalties and fees - Paid to date: $28,996.22, Interest: $15,949.71, Charges: $905.73, Misc. Charges: $865.78, Total: $46,717.44, Still owe: $8,306.13

I am currently 45 days behind on my car note due to my husband unexpectedly having to go on disability. I previously called, emailed and sent a written request to this company to see about deferring a payment. This was mid-December. I never heard back from them. I called again at the end of December. I knew I was going to be late in January 2012. I was supposed to get a call from someone to explain my options. No one called.

I paid off my car loan in 2010 and never received the title. They claim they mailed it to me and it should have been returned in the mail if I did not receive it. I feel as though a title should be mailed certified to verify it was signed for. I received conflicting answers from multiple associates as to where my title went. The first advised it was sent to the DMV and the second person claims it was sent to me. When HSBC sold my loan to Santander, I had nothing but issues. They lost payments that were cashed and customer service was awful! Maybe my lost payments are with my lost title? This company is a joke and has now cost me the expense of filing for a lost title!

I have two auto loans with Santander (originally HSBC). I suffer from an illness that I was diagnosed with in 2011, which caused me to miss several months of work. I was compensated through a short-term disability benefit which paid 60% of my salary. I got behind on payments. I am also going through a divorce, and as part of our Separation Agreement, my wife was to have use of our 2005 Chrysler Town & Country mini-van, as long as she made the payments.

Harassment— They called over 100 times in a month after being advised not to. They are assessing fraudulent fees to my account and performing illegal practices both on a federal and state level.

I paid off this company and never received my title. Now I have to buy a new title they say. It is their responsibility to have seen to it that I have received my title. They said they never received it back so I must have got it. I do not think they ever mailed it. I have a secured locked mail box. I should have received my title and I am mad.

We purchased a 2008 Mustang brand new. It was originally with HSBC. I became unemployed shortly after but HSBC worked with me to bring my payments current. Then Santander took over. All of a sudden, I had all kinds of fees and they called continuously all hours seven days a week. We have been paying $569.77 for almost four years on a loan that was only a little over $20,000. They said we have had eight deferments and still owe over $23,000. How is that possible? There is no way I had eight deferments. The life of the loan wouldn't allow that. Now, after paying some crooks out of California to help us, which they didn't, they just took our money (that's another story), I did give Santander almost $1200 in December 2011 while these crooks were working on it. Now, the car is passed 90 days because Santander says we have no more assistance they can offer. What can you do at that point but surrender the car! We've already paid over $17,000 for a vehicle that's owed over $23,000 that was only a little over $20,000 when we first bought it! How can these people get away with this? This is the good 'ole USA, right?

Back in January of this year, I backed my car into a bush at the end of my driveway. I took my car to be looked at by a claims adjuster for my insurance company (Progressive). After assessing the damages, he issued me a check for $1526 along with a list of repairs needed to be done to the vehicle by their choice of body shop or my choice. Because my car has a lien on it, the check had my name as well as the lien holder’s name on it. I was informed that once I decided upon a body shop to fix my car, I needed to send the check to the finance company for endorsement so it could be sent back to me to pay for the repairs once they were completed.

I am thinking of becoming a part of a class action law suit against this company. I purchased a 2007 Caravan that was financed by Drive Right Financial. In about 2010, automatically it seemed my balanced doubled. I did not see any difference in my principal even though I was paying $526.29 a month for a couple of years. I became ill and unable to work along with being laid off and asked them to lower my payments, only to find out I still basically have what I had originally purchased the van for years ago. These people are now sending remote calls to my relatives and former job, going to relatives' homes, and harassing and intimidating my teenage daughter.

I, too, had my HSBC auto loan bought out by Santander. Same story as most on this complaint board. I have been paying extra on my payment every month. My payment is $457 and I pay them $500. But now that I am at the end of my loan, I owe thousands? They claim that it consists of interest and late fees but how can this be if I always paid extra? I believe that this company is scamming people out of money on a daily basis. It's just a shame that nothing has been done about this.

We financed a 2002 Nissan quest back in April 2007. Our contract was originally with Drive Financial. A few months later, Santander took over the contract. We've had a couple of late payments; the monthly payment is for $378 and some change. Every month a rep from Santander will call and ask for the payment plus late fees which now they say is about $1,200.

I originally purchased my car with HSBC and a couple years later, it was sold to Santander. I have always made my payments within the allotted amount of time and never had a problem while my loan was with HSBC. I decided to pay my car off early and called Santander a few weeks ago to get my payoff. Somehow, my payoff is almost $2,000 higher than what my loan agreement was for and that's with paying it off over a year early. When I asked them why they stated that, it was because I was always late while I was with HSBC. I told the rep that his information was incorrect and that I wanted to talk to HSBC. After lots of arguing, he finally gave me the number to HSBC. I called and spoke to HSBC and they stated that I had never been late while my loan was with them. I called Santander back and their response to me was "well we don't care what HSBC says, they don't have your loan anymore, and we do" and hung up. How is this legal? They can just charge me whatever they want and get away with it?

I've talked to Santander 5 times over the last 2 months, wanting to know what is happening to the extra money I send in each month with my payment. When my loan was taken over from GE on 4-21-2011, my monthly Santander statement reflected me paying more than $100.00 each month. Then in Aug. 2011, my statement skipped me ahead a month, and billed me for my regular monthly amount. I expected my statement to continue to be reduced by the $100.00 over payment each month, but it stopped. Now, no one at Santander can tell me where my extra 7 months, or $700.00 has gone to. I've been told "we will investigate, call us back in a week", and "we will have our accounting dept. check it out, call us back in a week, and we will have an answer". Today, a supervisor told me she would look into it, and call me back, but did not. I don't even know where to go from here.

For the month of Dec. 2011, I didn't know I was to make a full payoff payment, so I sent in regular payment of $371.20. They informed me that I need to make another payment payoff of $1024 and change. So I sent it in to my account with this. In the meantime I was told I should make another $371.20 payment just to make sure as they still hadn't gotten the $1024 as yet. So I ran down to Western Union and did it right away. That same day they posted my payoff payment (and they signed for the extra payment for Western Union same day).

I posted a check into Santander on the 9th of January 2012 for $2430 for PPI from Black Horse on February 24, 2012. The money was taken back out of my account and returned to the Black Horse (7 weeks later) without any letters or phone calls to tell me this would be happening from either company. It has now made me $2430 overdrawn with the bank and I’m not sure what I can do about it.

I bought a car from HSBC in 2006. They sold it to Santander consumer USA. I've had nothing but fury and hatred for how they run. I have made all my payments, and been 10 days late about 12 times. I have 6 payments left to carry out my end of the contract, but they still have my balance at $5,000. I've called and have gotten the runaround so many times. I'm fed up. My contract says nothing of those extra fees, except the late fee. I'll take responsibility for that. I called awhile back to ask about the late fees, and the person said the only fees I can get are, if I'm over 10 days late on a payment. This person lied to me big time. I called again to ask about the fees, and was again lied to. Now, I should have a balance of $2,200, but according to them, it's for $5,000. I'm sick of this corporate greed. I'm not alone. I've read hundreds of complaints just like mine.

We filed chapter 13 10 days ago and we talk to Santander about this since the harassing calls were daily, even at 10pm they would call. Now on 2/19/12, the come and repo the truck after we spoke to them Saturday 2/18 and gave them all the info they needed to contact our lawyer but instead they put in the repo order that day. This company is the worst one ever all the like to is harass people and over charge people. Our truck on our last statement received in January said we owed about $5000 on loan but the repo papers claim we owe over $6000 left on loan. How can they keep doing this to people they should be sued by everyone who has to deal with their harassing and shut them down, why let them keep scamming people when it’s hard enough now days.

Santander purchased my auto loan from my original finance company and it has been nothing but pure hell ever since. I got behind in my payments because of illness and was not able to work and called Santander to weigh my options about making payments. They told me they could defer my payments for 2 months than start making regular payments after that. Wrong! That never happened. At 2:00 am one morning, my SUV was repossessed and I had to pay $3500 to get it back. I asked the lady there if this took care of all the back payments and whatever I owed Santander prior to repossession. She said yes. I called Santander. They said I still owed them back pay of $1500. I asked for what and they could not explain why .Why is this company still in business? I"ve been paying on this SUV for going on 6 years. I don't want to go to my grave owing on this vehicle. It has been nothing but a nightmare dealing with this company. Can't anyone help out the consumers here?!

My husband and I financed a truck through HSBC in June of 2006. HSBC went out of business and sold our contract to Santander in March of 2010. Until that time, we had no problems with our account. My husband is military, so we have a military allotment set up and the amount is automatically deducted every month. In November of 2010, we received a call stating that our payment was 30 days late. We knew this couldn't be because the money had been deducted from my husband's account and we even called the military allotment processing place to verify that the money had indeed been received by Santander. They said that they would check their records and to call them back in a couple of days.

If anyone is interested in taking Santander to court, please contact me immediately. I'm trying to gather as much information as possible. The more, the better chance we have proving the case. Santander is stating that I owe more than what the car is worth. They should not get away with taking advantage of people and their financial situation. I'm in the process of finding out the law when it comes to interest rates. I hope to hear from someone.

I have a 2006 Malibu that was originally financed by Triad Financial. The loan was bought by Santander in 2009. I was notified by a letter from Santander that said, "this service transfer does not affect the original terms of your auto loan contract. " However, this was not the case. I am being pursued for payments I have made and my interest seems to change monthly. Santander says I am 3 months behind because they took my double payments but did not credit my account for the next month, as was done when I was under Triad. Yet, when you look at my principal, where the extra payments supposedly went, there are no credits. Instead, my principal has grown.

I purchased a truck in October 2007 and it was originally financed with Drive Financial. Approximately six months to one year after having the vehicle, the loan was then purchased by Santander Consumer. It has been a nightmare and I have been harassed, shortchanged, and disrespected.

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?

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.

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 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 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.

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.

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.

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.

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.

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.

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.

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.

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 year—not 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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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?

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.

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 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.

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.

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 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.

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.

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.

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.

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 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.

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.

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.

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 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.

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.

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.

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.

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.

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?

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.

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?

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.

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.

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.

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!

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 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.

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.

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

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.

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?

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.

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.

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

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 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.

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.

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.

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.

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

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 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.

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.