Santander Consumer USA Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

My payments at $512.00 a month. My husband has not worked a steady job in over a year. If I could get my payments lowered, it would help with my financial burden. I am working two jobs and I can hardly make ends meet. I am about to get evicted from my home.

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

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

My loan was sold to this company which originated with Citi Financial who sold my loan. I never had any problems before this company took over. I explained that I had proof of all of the payments. She refused to hear anything I had to say. Friday, a tow truck driver showed up at my house to take the vehicle. I showed the tow truck driver my poof of payments and he asked me to work it out with Santander Consumer. I called several times but everyone that I spoke to was very rude and insisted that I turn the truck over. I was in the process of moving when this situation happened. I moved in with a family member for two weeks until I was able to locate a new home.

In May 2011, as I sat outside with my kids, a car came speeding up in front of my house. A man, who I had never seen before, began asking for me. I panicked for I did not know who this guy or where he came from. The guy became upset when my kids told him I was not home. He then ran to his car and returned with one hand gun in his hand and one gun in a vest that was strapped inside a vest. By the time I informed the local police, the guy was gone.

There were two guys but only one of them approached my family. In the next three weeks, someone broke into my garage and place a GPS tracking device underneath the vehicle. After the guy showed the guns, I did not want to keep the truck any longer so I was afraid to do anything except hand it over. I called the tow truck driver Frank who came to my house to retrieve the truck and tried to take advantage of me by kissing me twice on the lips and invited me to have an intimate friendship with him. I declined and I have text messages from him after he took the vehicle. The car was auctioned without my knowledge. I had a relative that was willing to pay the remaining balance of my loan, however, Santander Consumer had auctioned the vehicle without my knowledge. Santader is harassing me for a balance of $12,757.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I called customer service at 888-222-4227 and I spoke to Kristina (I asked for her last name and she stated that for security purposes, she cannot give me her last name). I explained to her the situation. I told her I was very upset because I was lied to the day before. Kristina told me that this fee is not their fee but it was Western Union fee. I asked her if I was supposed to be informed about that fee and she said that usually the customer service reps are to inform clients of this fee. I asked Kristina if I can speak with a supervisor and she said that there is no supervisor.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

As of today, Santander continues to report that the account is not paid off, despite the fact that they cashed the dealership's payoff check, and despite the fact that the payoff amount provided by the dealer exceeds the actual payoff amount for the vehicle. Worse, Santander reports that the account is past due by 22 days, despite the fact that the last monthly payment was made on time, by auto-debit, debited by Santander.

They claim that the account is late stemming from 2007, in essence claiming that the account has been past due for 3 years, from a point before they actually even serviced the loan, and also despite the fact that they previously transacted two payments on the account without indicating the account was past due, and despite the fact that Citibank previously transacted 3 years worth of payments on the account, also without ever indicating that the account was past due (because it wasn't).

Synopsis: I have a vehicle that has been paid off. There is incontrovertible evidence to this effect. The note has never been past due. I also have evidence to this effect. Yet against this, Santander continues to indicate that the account is not paid off, and also has the temerity to add insult to injury by claiming the account is past due. They (Santander) are absolutely terrible to deal with. There is no way to directly contact anyone who can be of any real assistance in resolving these issues, the same answer is always given (we will send it to our accounts department for review.)

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

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

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

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

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

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

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

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

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

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

I sent a negotiation letter on 9-19-and 10-5 to Santander asking that my balance be paid in full with a title release after review of total amount submitted on my car loan of 13,930 is now 19,122 and total mileage of 99,200. My complaint is that Santander has not responded to any of my letters over 7 letters sent asking for assistance due to being unemployed and unable to receive unemployment benefits, yet they have continued to take whatever payment amounts I was able to send in and they continue to add on late and interest fees.

First, just a little common courtesy, and please respond to my letter I believe that I have done the right thing by notifying Santander of my need for assistance due to being unemployed and faced with financial challenges. They did not even respond to payment arrangement or an extension.

And I would like for them to review my account and, consider my last request of having balance paid in full and title released, as the total amount paid on my car loan of a 2004 Nissan is 19,122 with mileage of 99,200. I don't think my request is unreasonable and will certainly assist me during this time of increased financial challenges. Also I would like the amount of interests paid to be reviewed.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

It causes loss of friendship and high blood pressure stress.

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

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

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

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

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

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

This is ridiculous because:

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

- The repossession company is their affiliate.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

If anybody else has had their identity stolen by "Brittney **" or any other name while making their payments to Santander Consumer USA, email me back please and we can make sure this person is stopped. I have pictures and there is a surveillance video with Kroger's in which the manager has copied on a disc and is saving in their safe. I have lost a lot of time at work, of course.

I have been out the money which she spent for a couple weeks while my bank sorts out their insurance claim and have had to deal with so much stress and anxiety. I have been losing sleep. I am thinking about getting a lawyer or something but not sure exactly how far to take this. If anybody has any advice, I'd love to hear it. Thank you.

Santander took over United Auto Credit - Irvine in May 2010, unfortunately Santander posted my May and June payments to Interest which is not part of my original Security Agreement with United Auto Credit - Irvine. I have been unsuccessful in getting this problem corrected, I have spent hours on the phone and on the chat line with Santander, I also faxed the discrepancy to the ASU Department. Prior to Santander taking over as the Lien Holder, my prior 34 payments have been credited to Principal.

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

The attached Payment History from Santander shows that I paid on time every month for 36 months, I never paid too early, nor have I ever paid less than agreed amount. I have supporting Documents stating that I have fulfilled my agreement. 1) United auto credit-Irvine security dated 07/05/07 2) My Santander account payment history (final 36 month payment on 06/14/10). Thank you in advance for your time and consideration.

They spoke with my husband and they told me we qualified. Then when we call, another representative tells us no. There was always a conflict with what one representative will tell you versus another. We got to the point where we stop asking for a particular representative as they would say that person is not there or you would not get the same representative. In addition to that, the information that we exchanged with the representative was not even documented, so we looked like we were the ones in the wrong, yet we were able to tell them about the program and any other assistance or payment arrangements we made with them.

I currently hold a letter that states they will help me get back on track to avoid losing the car. I am still waiting for that help, except I do not have the car (repossessed). They have left several verbal messages in regards to special programs for us only to call and they say "there is nothing they can do for us". Yet, as consumers, we are told not to hide the car, not to lie and to be honest. Does this same principal apply to the lien holder or are they allowed to bully us?

I have sent faxes and numerous phone calls and each time I speak to a customer service person, they say, "Oh well, you must have been late and we're charging interest." When that excuse doesn't work with me, they say, "Well, you must have missed a payment." It's always something. No one has returned our phone calls or sent us an email or mailed us concerning our account. The internet payment history states we paid 36 payments. Santander said we still owe and I will not get the pink slip until then. They also stated this is the new payoff amount. What payoff amount? Our loan is zero balance.

Please help. June 27th is around the corner and we paid June payment on June 14th. I am afraid that if I don't continue paying after 36 months, they will charge us late fees and we have paid on time for 36 months so we can improve our credit. My job is suffering because we can not afford another payment. My wife and I planned to pay for 36 months so we began saving for a home. We are 50+ years old and it affects our sleep. My wife works in accounting and she is having a problem concentrating on dollars and cents.

I have not received any explanation from Santander Consumer USA as to who "D. **" is and if the person is one of their employees. I have provided their customer service department with copied documents such as the money order customers' receipt, money order purchase receipt, certified mail receipt, certified mail purchase receipt, USPS delivery confirmation information. I was corresponding with one of their customer service specialists named Kellie ** for the past two weeks from June 3rd until today June 16th. I have not received any reply from this Kellie ** since June 8th. I contacted two other individuals (Dennis and Jean) there via live chat on the company's website. They were not of any help either.

All of them wrote to wait 48-72 hours and contact them then. The Dennis and Jean individuals wouldn't give their last names or number where they could be reached. Kellie ** has refused to call me or give me her direct phone number also. I believe that they have the money order and are lying in order to charge late fees and get an additional payment. Today, June 16th, I have filled out a money order inquiry form at the post office where it was purchased and mailed from originally. The USPS informed me that within one week, I will receive a statement from them on whether or not the money order has been cashed. I want to warn everyone that reads this: Do not do business with Santander Consumer USA! This incidence is not the first time that they have claimed to have not received a check, money order, and online payment. Since they took over Sovereign Bank in Reading, PA, they have been unprofessional, unreliable, and quite frankly I think that they are thieves. The company needs to be investigated.

When my statement came, there the late fee was. So I called in to speak to a supervisor. I was put on hold for 20 minutes, then they told me that she would call me back. I never received a call. So I called back 4 times, and still no manager was available. I tried to change the due date because my daughter is not working, and I must pay the Car Note, but I can't pay until the first of the month. The Loan Manager said that the payment date could only be changed once and my daughter has already changed it. Now, I must pay $17.00 each month because I can't pay until the 3rd of the month. The manager said there is no one to help me.

Again, I called Santander. No check had been received. In addition, why are you late making a payment? Seriously. I asked them knowing note after notes had been entered. I then called the dealer and asked them to contact Santander. At which point, I was told they had and Santander would not speak with them nor discuss the account. These people are a nightmare. Basically, they have no authority to help you in anyway. No variation from the script. I asked them, surely there is someone, some department I can speak with and have a professional conversation. Problem still not solved. I suggest if you have any other means of finance, do not use Santander Consumer USA.

Santander shows I was late in deck 2009 on my credit report. I have been arguing with this company since January about my credit report. The customer service representatives are rude, ignorant and very disrespectful to customers. They will not listen, they are not very helpful, and they lie constantly. When I complained to them about the erroneous credit bureau report, Santander csr named Ashley, told me the credit bureau remove the information not them (Santander). She said that her company does not have anything to do with the credit bureau concerning her company.

Since Santander took over the loan, my contract with Sovereign was not taken into consideration. I have a 10-day grace period with Sovereign. When I called Santander customer service, I was told that my contract with Sovereign changed. This made me suspicious. I pulled my contract with Sovereign and it states that my contract would apply if another agency takes over my loan. Upon my 2nd call, I mentioned this to another customer service rep, and my late fees were reversed. Everything ran okay, up until late payments were being posted to my account. Again, I contacted Santander and I was told that although I make a payment at a Sovereign bank, Santander doesn't get it until 2 days later. Again, I sorted through the notification that Santander sent their customers, stating that any payment made at a branch will be credited the same day.

I made a last payment on my loan. Santander says that my loan is not paid off until I pay $37.28. I questioned this, since my payment stub stated my final payment. The representatives I spoke with could not give me an explanation, other than that is my balance.

I requested a written statement to be mailed to me, but they refused. I could not believe what I was told. I cannot believe that this bank is allowed to do business. They are unethical. I don't trust their practices.

I have never felt so violated and humiliated after speaking with Jacqueline and Kim. Kim told me if we didn't let the vehicle get repossessed, but I didn't let her complete her sentence. I told her she did not know our family circumstances. I explained that if she read the notes, she would see that I have been laid off 1year and 5 months.

I am appalled at how unfairly my husband and I have been treated by you company. I asked to speak with a member of management, and I was told no! Kim stated she already did me a favor by calling Premier Recovery and that was not in her job description to do that for customers. Honestly, I thought she was trying to give great customer service (being facetious). Now at this point, I am livid, and I asked once again to speak with the manager. Her reply was no in a sarcastic tone. Finally, I hung up the phone and called back. I asked another rep to transfer me to a manager. After several minutes of holding, I was transferred to a voice mail with no name. It was just a recording.

We have tried to explain the challenges we face paying the auto loan. We have asked your company to reduce the principal balance of the loan or lower the interest rate to make the truck affordable. Our household has suffered a financial hardship of my job loss, which has transformed our once affordable auto loan payment into a monthly burden. This request was made to avoid defaulting on the loan.

We have a son in college, mortgage note of $1438.54 per month, Santander Auto $758.91 per month, student loans $350.00 per month, car insurance $166.65 per month, water and sewer $90.50 per month, sanitation $18.88 per month, an electric bill $350.00-450.00 per month, house phone, internet, cell phone $260.00 per month, truck gas $200.00- 300.00 per month depending on gas prices, and food about $300.00 per month. Assets - Liabilities = No money left.

Yes, it is our intention to keep the 2006 Dodge Ram, but we do need your assistance in doing so. Our mortgage lender agreed to a home modification loan from $2200.00 per month to $1438.54 because of the hardship our family is having. I hope this clarifies any reason why we have been late with payments and the repossession of this vehicle.

I hope none of your employees is affected by the planned 326 lay-offs in your company have an auto loan through Santander/Drive Financial. It would be a shame for them to receive the treatment our family has gone through. No one there speaks to the customers in a professional demeanor or addresses the needs of the customer. This has caused me an entire day of inconveniences. I look forward to your reply and a resolution to my problem.

On May 26, 2010, I received a phone call from a collecting agency and introduced themselves as Santander. I was frightened and shocked as I thought that all of my bills were taken care as scheduled. My online bill pay at Bank of America automatically pays all my scheduled bills. Santander Consumer Company told me that I did not pay on month of April and May of 2010 and there will be late fee charges on those months. On my behalf, it was my fault that I did not immediately changed my automatic bill payment in Bank of America from HSBC to Santander because it was too late to change the online scheduled due to late notification of Santander. I immediately called my bank, which is Bank of America. Bank of America hastily sent the proof of payments for the month of April and May 2010. On the same day, I immediately faxed all documents to Santander. On all the documents, they were shown that checks were sent on April 5, 2010 and May 5, 2010. These payments were made out to HSBC Auto Finance on time. I was told no changes were required for Santander to accept payments for this auto loan that Santander has acquired HSBC Auto Finance.

After three days (May 28, 2010), I checked on Santander to see if I got cleared from acquisitions. The customer service told me that I should try to call them back on June 1, 2010 because May 31, 2010 is national holiday. I called them as I was told but they told me it is still under review. I called the next day and same answer: that it is still under review. I was told that it would take 72 hours to evaluate the cleared check copies that I faxed in on May 26, 2010. I skipped one day, so I called them Friday and I was told that everything should be processed by Monday, June 7th. For the past two weeks, the case has not been resolved and Santander continues to charge my account for late fees, interest, and the worst part is being reported to the credit bureau. According to Federal Trade Commission Section 809, it is a violation of unfair practices from the consumer. Santander received all proof of on-time payments and should not continue charging late fees.

Late afternoon of June 7, 2010, I called Santander Consumer Company. I tried to check my status for over an hour on the phone with a rude customer service. I also contacted Bank of America to get some help from them and did a conference call. But still they did not resolve the problem. As they always say, "The department who handles the case cannot be contacted by consumers," and "our company bought out three companies within this year that consumers should have patience because their employees handle numerous problems everyday." I feel helpless and stressed as though no one could help me with my situation. I also feel pressured because my husband and I want to transfer the car loan to a better company that offers better interest rate until June 10, 2010. Why am I getting this treatment when I am a good customer? Why do I have to get late fee charges when I always pay on time and pay over the amount? Why is it my problem that Santander Consumer does not have enough employees to handle their customers?

No economic damage yet, but I am refusing to pay those "extra" late fees at this time. When my car is paid off, if those fees are still there, they may refuse to release the title. Since I have already paid them once, when the loan was with HSBC, I don't feel I should be forced to pay them a second time. Yes, I would like an attorney to contact me about this.

The deal is this Santander appears to simply delete your account at times appropriate to them and so then the customer has no way of proving that they even were a customer and no way of proving payments to them. Remember, please take my advise. Print out everything and do not rely solely on their online management. Their website management and its responsibility is the absolute worst. This was my response to their company along with a few other heated emails and I eventually sent and filed a case to the BBB over how crappy they deal with their customers.

"Why is it that your company has deleted my account? I can't even log in anymore. Your website says when go to "Forgot Password," your system says no email address is found. No password found. It is like your company has completely deleted my account from the system. I have never changed my username or password recently and I can't even log in anymore. What happened to my account? Why can't I log in? Your computer system won't even let me reset my account with a new password or user name.

No one online with your customer service can even help me. Why? Where is your IT department? I repeat, where is your IT department? Why can't they get this fixed so that I can get online and look at my account? I have been a customer for three and a half years and have never been late on a payment, not even once. Your company is telling me that there is no way to get this fixed. Wrong answer! Please fix this account so that I can log back in and see my account information and pay my bill.

I called back to Santander to relay this news and spoke with a customer service rep that did not know what the DMV or Department of Motor Vehicles was. Apparently, she also thought a title issue was to be handled by the collections department because that is where she transferred me. When I was finally transferred to the title department, an extremely rude rep told me that California is the most difficult state to deal with because they require the lien holder to send the title and that is not how Santander works.

I explained that the name on my loan and license do not match my vehicles registration because they refuse to do what the DMV requires. She responded that they were not going to send out my title just because I wanted them to. And that changing my name was my choice, so it was my problem. I asked her, if I could try to submit the forms to them the way the DMV requires and she gave me the fax number, but said it probably would be rejected. She also said I will need to call back and follow up because they will not call me regarding this issue. These people should not be in customer service and they should not be able to purchase loans in states, that they refuse to follow the rules. I am unable to update my car's registration with the proper name as required by California's DMV because this company will not process the paperwork according to this state's law. I am not able to show proper ownership of my vehicle if I am ever required to do so because of this issue. I may be subject to fines, for not making the necessary changes because of this issue. I have missed work unnecessarily because of misinformation provided by this company.

I could not make the payment in April on time because their system would not allow me to make the correct amount due, when I called them to complain a representative rudely told me that I would have to do it with a rep and it would cost me $15.00 in processing fees. I did not understand why because my payment was partial because of the time that the loan was taken over by Santander. I informed them that they were violating consumer protection laws because they were calling every day and since they are not a collection company they are being deceptive in their practices. Even collection companies are not permitted to call a consumer no more than every three days and then it is supposed to be one time a day, not 8-10 times to any number they have listed for you in their records.

I have received statements with as little as 2 or 3 days before the due date and at my expense to keep the perfect credit score that I have worked all my life to attain have had to overnight them payments and to overnight a payment is not inexpensive especially when me the consumer is not at fault. It's this fraudulent company that is at fault yet, it's the consumer who pays for their untimely work. Calls to their customer service department are useless. You might as well just talk to a wall you get better results.

Today, I tried calling their Corporate Head Quarters and the company operator who refuses to give her name as required by law. She would not let me speak to anyone in their corporate offices without first speaking to a Vice President at another number. Mind you, all these calls are long distance and I am a disabled American on a fixed income and just the cost of these constant long distance calls. I probably could have paid off the remaining two payments on the loan.

When you call the number given to you by the company operator, all you get is voice mail with no call backs. I have called the number at least 15 times already. Today, I have left my contact information yet I have not received a call back. This is the way this fraudulent company works. They just keep sending you around in circles calling one long distance number after another and you never get to speak to anyone.

All I'm trying to do is make a payment like I have done every month for 58 months, to keep my credit rating and credit score at the top. I have never ever missed or been late on a payment for anything in my life, I pay my credit card in full every month. I am 2 months ahead in my mortgage payments and on a fixed disability income that’s no easy thing to do. I live without the most basic things in life just to be sure my bills are paid and this fraudulent company is trying to ruin everything I have worked so hard to attain.

I just called their customer service for like the 200th time since they bought out this loan. I asked if I could make a payment by phone and was told that since all my payments have been by mail that this wasn't an option I had, nor could I make a payment online without incurring a fee of $10.95. This is ludicrous.

This company needs to be reported to the United States Attorney General’s Office as they are the most fraudulent company I have ever dealt with in my 56 yrs. Being a disabled American on a fixed income with more medical problems than anyone should ever have to deal with, neither should any American have to deal with this fraudulent company known as Santander Consumer USA. If there is someone out there that can help me, please contact me ASAP. Thank you.

Second, the late fees for $54.00 has been accruing at a steady rate. We have pleaded many times for a deferment to catch up on the one payment we are behind. My wife was laid off a year ago and has not been able to find a job. She is 62 and probably won't be hired for many months to come because I suspect of her age. We were advised by an attorney that the only thing we could do was to contact Santander and see if you would grant a deferment so the late fees and payment would be caught up. He stated that all companies were willing to work with us if we explain the situation. We have tried for over three months with no success from anyone at Santander. All we get is "we are not granting deferments at this time", all we are asking for is a one month deferment in order to rectify this late payment problem.

I am a disabled veteran and the constant calling from Santander that the payment is overdue every month has become very nerve racking. My blood pressure is up and I have congestive heart failure. I am forced to predate a check every month to keep it from going over thirty days. I am only being paid once a month on a fixed income for my disability from the army and cannot catch up this payment. In order to catch it up, I would have to send in $1,201.02 to get caught up. I pray you will understand our present predicament and will find it in your heart to help us with the one month deferment. At the present time, we have to send the $548.00 payment in with the fee charged at $11.56 for each payment plus the fee for paying over the phone.

We do not know what else to do except maybe have you repossess the vehicle. I see no other way to stop the monthly fees adding up every month. I am already paying $6,000 more than the vehicle is worth. A punishment I expect for the bankruptcy we filed four years ago and at this rate, I will be paying another $1000 or more before the truck is paid off, which right now is becoming unacceptable. As I stated, we have tried in vain to work with you to no avail. We really do not want to ruin our credit again with a repossession, but we can hardly keep up with this kind of payments until the loan matures in 2014. The $548 stretches my paycheck but it is doable. I have tried in vain to refinance or trade the truck in but with the $6,000 over actual value and the 21% interest, it is impossible to do.

Please do not take this as an ultimatum, it certainly is not. However, it is our only recourse to be granted a one month deferment or repossession. I pray we can resolve this mutually, I really like my truck.

They have been contacting me at unreasonable time, using unhelpful legal language, using letters that look like court claims, or questions me like "What you need that for?” They put a lot of pressure on us by contacting me every day, pressurizing me to pay in full the large amount of money I cannot afford at this time due to my actual medical condition. They are making threatening statements, "Your car will be on sell in the next 10 days," by not accepting and ignoring reasonable offers of payment arrangements with customer services, forcing me to additional unreasonable charges (towing my car). Also, I receive a telephone service from another provider, using different company name "Drive Financial", no HSBC or Santander Consumer USA and they identified as Santander Consumer USA.

The Protection from Harassment Act 1997 makes it a criminal offence to harass people and put people in fear. The only thing they said in a letter was, “Notice of Our Plan to Sell Property!” Or “we have your vehicle because or if you do no pay we will sell.” Using more than one collection company at the same time and not telling me when my debt has been passed to another company from HSBC to Santander, ignoring disputes about whether I owe the money (I explained then about my illness and the hysterectomy for ovarian cancer) according to my doctors and the result of blood test. In addition, I forgot to mention to trying to embarrass me to report my debts to the credit bureau. Santander Consumer USA and HSBC are ignoring the Office of Fair Trading Code of Guidance. Customer service behavior is very unprofessional on HSBC and Santander Consumer USA particularly on this difficult economic time in our country USA.

I have a car (Hyundai Sonata 2006) since 2007. I have been making monthly payments since September 2007 to HSBC Auto Loan. HSBC sold my account to the company Santander Consumer USA without notification. This is not my first finance car and I expect to have another financial company, not "a collection agency" like Santander Consumer USA. I owe them $15,000,00 . I was past due on my account for medical issues (major surgery on South Miami Hospital with Doctor ** on 03/11/2010).

In March 2010, I spoke with customer services from Santander Consumer USA and made payment arrangements in order to start getting my account up to date on the coming months. I told them about the necessity of my car, that I am a full time employed and of course I did mention the surgery and my intention to update the account and start making total past due payment of $460 in April 09, 2010, and $460 on April 23, 2010 and so on. Let me mention that I have the same address, the same job and same telephone numbers since 2003 and they have that information on their hands. What was my surprise on Friday 04/01/2010? They towed my car. I called Santander and they requested me to pay more than $2,000 in order to recuperate the car. I explained I do not have that amount of money at this time. Then, just to avoid the car to be on auction, they requested $1,271; if not, they told me that my car will be on public auction on the next 10 days. I did ask my family to borrow the money.

Santander instructed me to send it by using Western Union. I did pay the money. The towing company was open Monday to Friday from 10 am to 4pm. I live in the city of Miami; the company they chose is on Hollywood, Florida, which is about 2 hours from my house and them back to my house. They charge $100 for an inventory on the staff in the car, $35 for towing and $27 daily for keeping my car and other charges and they did not notify me anything. I just open my door and my car was not there. Because that is 2 hours from my house I need to way until a friend took me there on Thursday, 04/08/2010. Finally I pay to the towing company $324. It is not fear.

I am an American citizen, a very decent, moral, and hard working person. I am a school Math teacher in the state of Florida since 1994. I am working for Job Corp since 2002. When I request to Santander customer services the email to write them about my concerns, they asked me why you need that for? I replied if I can get in contact with the President of the USA, why do you question me about it? She put me on hold and then she offers the company website. Of course they know that the only country in the world were each member of a family has a car is here in USA and now they are taking advantage of hard working people like us. In 2002 I did open 5 savings accounts in Santander Central Hispano (Santander Consumer USA is part of that group in Spain) for the amount of euros 100,000 each and I’m still waiting for any of the bank officials to ask me from were I got that money.

I just give them my passport and that’s it. For my family and I were unbelievable; I can share with you from were I got the money (now it is not necessary). It means that Santander group make business on every thing without questions and sometimes ignoring rules and regulation--for example, in my case of 5 accounts for Euros 100,000.00 and no questions about it. This company is acting on behalf of HSBC and use harassment against me, particularly when I was only 20 days after a major surgery that I still suffering for it. Our economy is starting up and they do not care about us.

Also, I like to mention when that happened I had not receive yet the first statement of my account or a welcome letter. The only letter I received from the Santander Consumer USA was harassing me (date: 04/02/2010). Again, Drive Financial called me and I informed to make my next payment on 04/23/2010, but they ignored my advices and continued calling me using the same harassing speech every day on my cell phone, my work phone, and my house. What will be next? I do not know but the only thing I know is I will continue sending email to everybody in order to alert our people on to make search before accepting to make business with foreign companies particularly HSBC and any of the Santander Group. Thank you and God bless America.

I called several times through out the next several weeks, leaving message after message for Jason to call. He would not call me back. Then when Jason did he went through the spill about back payments, forgetting that he had already spoken and work out a deal. I told Jason to look at his computer that we had already made the deal on the truck. Jason admitted the mistake and said he needed to send this to management. Now, this has been going on and on and on, the same thing over and over. Jason did the same thing with Bobby, called him wanting information that Bobby had already given him. I have given Jason Bobby's phone number several times and Bobby’s banking information. Jason told me that the deal was done and I would have a left over balance of $2000.00 that would need to be paid. I told Jason that I could and would be willing to make $200.00 a month payments until the note is paid.

On April 30, 2010 at approximately 9:00 am, Tricia called my office and spoke to my supervisor, Dwight **. She left a number with Dwight for me to call her. I have asked them not to call my work and asked them to call my cell phone. I called her back and she went through the spill about me needing to make a payment. I told her I sold the truck to Mr. ** back in January, and if it would have sold like it should have, I wouldn't be this far behind on my payments. I told her I had been dealing with Jason in the work out department. She didn’t care, she just wanted the payment. I got tired of dealing with her so I hung up. I knew that the conversation we were having wasn’t going anywhere. Now, Bobby ** and I thought this was a done deal. His banker, Kathryn, and Jason had spoken and worked out all the details, we thought. Bobby said we spoke to Kathryn and she has tried several times to make contact with Jason, and had left several messages. On April 30, 2010 at 1:19 pm, I called in to speak to Jason. The lady I was speaking with identified herself as Esther. I asked her to spell her name. She place me on hold several times and then came back saying she needed more information before she would transfer me. Now, I already gave her all my information and told her I had sold the truck to Mr. Bobby **. I asked her for her operator number because this has been going on for several months and I was tired of this run-around, and I was going to file a complaint with the Federal Trade Commission. Esther hung up on me.

On April 30, 2010, 3:37pm, I called Santander and spoke to Valentine **. I told her I was dealing with Jason and needed to talk with him. After several minutes, I spoke to Jason. Jason told me that Mr. ** failed to get the paper work in on time and the truck was up for repossession. Jason stated he did everything he needed to do, but Mr. ** just did do his part. I asked Jason what his last name was and he refused to give it to me. I asked him for his extension number and he said he didn’t have one. I spoke to Bobby, he said he has done everything Jason had asked him to do. And he thought it was done. Bobby said every time he tried to call Jason, he never could get him on the phone. Bobby said his banker Kathryn tried to call him several times but never could get him, and then he refused to call her back.

On May 01 at approximately 1030 am, a repossession company ( R&R Recovery) showed up at my residence wanting the truck. I told the driver that I had sold the truck back in January but something happened with the two banks. I told him Mr. ** had the truck in Houston. I gave him Mr. **'s cell phone number. The driver asked me to call his mother (Carolyn) Monday and let her know, then gave me his business card. He said his mother own the company. I called Bobby ** after the repossession company driver left. Bobby said he would have his wife bring the truck back and drop it off later tonight. On May 02 2010, Bobby’s wife dropped the truck off. On May 03, 2010, I took the truck to Waco and called the repossession company to meet me in Waco to pick up the truck. I left the truck at Sturdivant’s Transmission on 18th and Burnett Street where I had my other truck. I called them to let them know that the truck was there. On the way home, I received a call from Mr. Dion (last name unknown, he would not give me his last name). Dion said he was the manager for Santander Consumer USA. He asked if I was still interested in doing the deal on the truck, I said yes. I asked if he would call Kathryn and work out the details, he said he would call her right now. Dion said if I had any questions, I could call and speak to Jason. I told him I would no longer talk to Jason because of what had happened. He said if I had any questions, I could call him direct. Dion called me back and asked if he could tell them why this was time sensitive, and that he would need to tell her that I was late on my payments. I told him fine, go ahead and tell her whatever he needed to get this deal done.

On May 4, 2010, at approximately 10:02 am, Kathryn called me needing a copy of mine and Kim’s driver’s license. I called Kim and told her to send me a copy of her driver’s license. After I received it, I faxed mine and Kim’s to Kathryn. Kathryn called back later and said she hasn’t received it. So I went back to my office and faxed it again. On May 04, at approximately 10:30 am, David called from the Reinstatement Department and left a message with my supervisor for me to call him. At 11:27 am, I called and spoke to Dlecia from the Reinstatement Department. She wanted to know if I wanted the truck back. I told her what had happened and told her I would be getting back to her. On May 05 at 3:30 pm, Mr. ** called and said everything went through. No other information at this time.

I explained to the agent that the double payment had caused my checking account to overdraft and I had accumulated $99 in fees, she said that Santander would cover any overdraft charges I had received, to simply print out my checking account statement and fax it to them. Then as soon as they received my fax I would received the $99 in 48-72 hours. I called the next day 3/22/10 and was told that yes they had received my fax, but that the money would take 3 to 5 business days to be refunded. As of 3/29/10 I still had no refund. I called that day and was told that they still had no idea when I'd be receiving my refund, and that they were very sorry, and for the hardship they had put me through they would be giving me a 2 month deferment on paying the loan on my car,

I said okay and they recorded my voice saying I was agreeing to the 2-month deferment. On 3/31/10 I received the original refund amount for the payment on my car (216 hours later!), then I received a check for the $99 in overdraft fees on 4/10/10, again much longer time that I was promised. I thought the situation had been resolved. I logged into my account a week later online to see that it was saying I was delinquent, I called and asked why was it saying i was delinquent if I had received a 2 month deferment? They said that the "request" for deferment had been denied. I said I did not request it, I was offered it for it taking over 3 weeks to get all my money back, they said, “Okay, we're sorry. We'll have a manager re-do the request.” I called back on the 19th to make sure, and I was told yes, the deferment was approved and that my next payment wouldn't be due till 5/25/10.

Well today 5/2/10, I was called by Santander and told that I was 38 days delinquent on my account. I spoke to a manager who told me that my deferment was approved, but they had mailed me something I was supposed to sign and mail back and since I didn't, they revoked the deferment. I told them no one ever told me anything about signing anything or that I'd ever be receiving a letter, and that I had received no such letter. He told me that there was nothing he could do, that I now owed them 3 payments today, as well as 20 dollars in late fees. I am at my wit's end with this company. I have never been treated like this with any company before.

I don't know what to do, I think I'm going to hire a lawyer since they are saying I'm 38 days delinquent now and I don't want that on my credit. I have never made a late payment to any loan, or credit card I have! I talked to 3 different managers there at Santander, I have their names, and direct phone numbers. I've left them dozens of messages, no one ever called me back. All in all when I go to buy my next car and if Santander was the lowest APR out there, I would never go with them again!

I called Santander and explained that I had paid twice by mistake and I needed one payment refunded. They requested I fax proof of payment to them. I called Bank of America bill-pay and they confirmed this and they were able to fax copies of the electronic transmittals to Santander. I called Santander the next day and was told it would take 48 hours to get my refund. When I called back after the 48 hours, a different person told me that I was given the wrong information and it would take 5-7 days to get my refund. I waited and called back after 7 days and was told that the information I was given was wrong again, it would take 5-10 business days. They kept stating that my bank could reverse the funds if wanted to, very rude!

I called Bank of America bill-pay again, "Michael" said electronic transmittals cannot be reversed and he offered to have a 3 way conference call. All of these call so far resulted in Santander reps and their supervisors telling you different time frames and that this matter was being dealt with by their accounts dept (to which they have no number to contact them). The conference call on the 13th told me that it would be resolved in a couple of days. I called back at the date I was given and was told that it would be 10-14 business days from the 13th, no one can tell me what went on between the 6th and the 13th. I had another conference call with Bank of America, Santander and myself. No luck, same story. I called back on the 26th and got a manager George who was a former HSBC employee. Apologies again, it should not have taken so long, he will escalate. He gave me his direct number, which obviously goes to voice mail. He has called me once to tell me it has been escalated to his manager's manager.

I still do not have my refund. I call these people every day and get nowhere. I am unemployed and need to keep to a monthly budget and yes, my next car payment is not due until July but because I am out almost $800 because I paid $350 on the 26th March and $400 twice on the 6th of April.

Because their employee did not follow through, my car was repossessed and I am being charged a 'storage fee' of $90. They have not had my car for 12 hours! There appears to be damage, as there is fluid all over my driveway. My husband has material in the van which he needed for work. We were not given the chance to remove our personal items, and now I have missed a day's work, and need to drive 45 miles to pick up my car. There is damage to the engine and the saga continues!

We received a check for $89 after a few weeks and said our claim was paid in full. The $89 did not sound right. What they had done was to assign my claim for the auto loan to the signature loan that was already paid for. I have tried and tried to get someone to reasonably talk with me. We explained and explained that they have assigned the outstanding car loan disability claim to an account that was already paid off. No one will give their name of a supervisor or a top person in charge.

A collection agency called Santander Consumer has taken over the collections while all this was going on. The collection personnel are of Indian culture and have not understood what I am trying to do to get the collections stopped and apply the disability to the car loan. I have handed this over to my attorney and when he called them personally from his office, he went through the same problem of someone not understanding the problem. We are now facing our car being repossessed when the disability insurance should be paying the payments. I am so angry.

When I finally did get in to speak with someone, trying to reach a service representative is a joke. For two weeks now ,I have been trying to get into their Title Department. It's the same thing, call volumes are too high and then at exactly 5 pm, the recording says call back during normal business hours. Their customer service stinks. I am in an industry that is 100% customer service if we want the customer to come back.

I had sent a check for $277.70 on April 5th 2010 for the payment. I had received a call on the 7th from a person stating that I owed $647.70 and late fees. I asked her for what and she stated she could not break it down for me and that I just owed it. I asked for someone else and she told there was nobody available. I called back the next day and spoke to someone else. I explained that I had sent a check on the 5th of April and she was going to put it in the computer. She told me that I only owed $193.85 due on April 30th.

I received a call today, April 19th, 2010, from another person stating that I was behind and I owed $277 plus $193.85 plus late fees. The $193.85 was due in March. I told her that I sent $277.70 and was told the $193 was due on 4/30. She said it didn't matter about when I sent the check they didn't have it and it is late. I also explained that this is the second time I needed to stop pay a check which I get charged $29 per check and I don't think it is fair that these are cashed after the due dates.

I mentioned about all the calls and it seems to be that the right hand doesn't know what the left hand is doing. I feel that the company is just racking up phoney charges and not sending the appropriate documents. I had asked for an itemized statement and after six months I am finally receiving them. They would also tell me it was online but it did not show the breakdown. I think they are taking advantage of all the fees they add on. As a consumer, I think this is a company that should be checked into.

Drive Financial reported a late payment to my credit, even though they hold the new contract and can see where the vehicle was traded prior to being late. When I contacted to inform them that the vehicle was traded and I no longer owned the vehicle, their reply was that the vehicle is still my responsibility and they would gladly take a payment over the phone. I explained that the contract was signed and that I no longer own the vehicle. The reply was, "would you like to make a payment now?". *** don't listen! I continued to make the argument that I traded in the vehicle, that the contract was signed and they now own the new loan, their reply was to contact the dealership and inquire on payoff.

The payoff finally occurred after 30 or so days, Santander placed a late payment on my credit. I immediately called and informed them that the vehicle was paid off, that it was not due to my fault that the payment was late and for them to look at the new contract to verify the date of trade and remove the late payment from my credit. They said that the computer automatically generated the late tag to my credit, which took my rebuilt credit of 670 down to 566 ruining all of the hard work that had been done following my bankruptcy discharge.

I have contacted these fools on multiple occasions to get someone with some sense, willingness to listen and with power to make a change, to address my situation and all I got from them is to contact the car dealership and dispute with the credit bureau. I did dispute with the bureau and Santander continues to verify this information as accurate! This has caused my credit score to bottom out, undoing all of my hard work and diligence! The disrespect of this company and the more than 4 phone calls per day from these people is horrendous! The customer service that we receive from them is less than acceptable. They are rude and inconsiderate, liars and thieves! When I get this resolved and my credit bounces back, again, I will be done with them! I cannot wait until I get this situation resolved!

I called on Saturday, the next day, to work out an arrangement. The first two women were kind and working with you. Then I got this **. She called me a ** and told me to shut my mouth and that if I paid my damn bills, this wouldn't happen. Then she hung up on me. When I called back again, I got another rude person.

This company needs to be stopped now. They called me 3x after all was paid, and they called me at 8:25 a.m up to 11:30 p.m.; then, on top of that, I made the MoneyGram payment at 11:37 a.m. and was unable to get my car until the next day. I was also charged for 5 days at that repo place when they only had my car for 3. They too were ignorant. They stated they were open until five. When I finally spoke to a decent person at Santander, I found out that they didn't send the email until after one to the recovery company and then they didn't do anything until it was too late to get my car.

I called Santander and spoke with Felicia, who said if I don't have a job where taxes are taken out (because I'm a contractor), they won't finance me. I asked how long I have to stay at the same job in order for them to verify and get me in the system? She said there's no set time and that it just depends on how busy they are and they are busy right now.

So, it appears I am required to plan my life and job situation around the schedule of how busy Santander is or isn't. She hung up on me and sent my paperwork back to the dealer, refusing to honor the loan they had already approved. This made the dealer then want the car back. Their website says they process their loans in 2-3 days. This was a month later. A complaint was made to the OCCC who licenses them.

I am unemployed and my husband's work has slowed down so we are barely getting by, we are selling everything we can to stay on top of our bills. We even have our house for sale. I had made arrangements with HSBC to make 2 half payments a month and they would put one payment on the end of the note I had been following though with my part, however, when Santander took over according to Edward, they were not honoring any prior arrangements and I needed to make a payment right then or else they would schedule repossession of my truck. I tried to explain to him we were doing the very best and I was calling to schedule payments that I was out of work and it was hard on us, then he told me, "get over it".

Edward stated, "You folks need to borrow the money from family or friends or go to a payday loan but it had to be paid now.” He went on to say that we needed to learn how to be responsible in paying our debts. He tried to tell me what bad folks we were, I told what I could do and he said it wasn't good enough. It ended with him telling me that he was going to schedule repossession of my vehicle, my reply was to come get the damn thing and he could bite me. I was so upset that my blood pressure sky rocketed and I started having chest pains. No company has the right to talk or treat people like that and if they can't understand the hard times people are going though, then they can have the vehicles back.

I have never been talk to or made to feel like trash in my life. Today I called back hoping to speak to a supervisor and got Steve on the phone, a nobody. I asked to speak with a supervisor and he told me that he could help me. I again asked to speak to a supervisor and he said, “Tell me and I will see if I can help.” Again, I told him that he couldn't and I needed to make a complaint and he told me to send it to a P.O. Box. I asked him if he was refusing to let me speak to a supervisor and he said yes, that I could not speak to anyone but him. At that time I ended the call and now will contact a friend who is a lawyer.

When I called to see what the deal was, they told me it was the compounding interest from the two notes that were deferred. I asked to speak to a supervisor and was told that my reasons didn't warrant a supervisory contact. The lady simply refused to connect me to a supervisor! I went ahead to pay the payoff and was told that they would not be able to take the payoff over the phone. In fact, I would have to do it online.

I called my wife and had her get online while on the phone with these so called professionals, and still could not payoff the loan. They had the audacity to tell my wife that if we did not have this situation taken care of by the 15th of April, our vehicle would be up for repossession! In short, this loan company is a ripoff! Please, I wouldn't waste my time with the likes of people like this. Save yourself the heartache and money!

We have been trying to get our credit report numbers up by doing what we can as finances have lessened the last couple years. That's why we traded the truck in before it was too late. As of the 9th, when HSBC was paid off, they have no right to affect our credit. We are wondering why, since HSBC was paid off on the 9th, what gave them the right to sell a loan they no longer had because it was paid off to Santander?