Santander Consumer USA Reviews

After several minutes, I became upset with the person and asked to speak to the supervisor. I asked for the name of the company and the address. Then I asked for the name of the head of the company, and she said "I can't provide you with that information." I finally gave her my phone number to see what account it was linked to, and she said nothing came up.

Again, I told her that someone called me, and I want them to stop calling me. While she had me on hold, I looked up the company on the internet and found a totally different address than the one she gave me. And I also looked at a site that had complaints on it about this particular company. I am a consumer who pays my bills on time, and I am extremely annoyed that a company like this could, in all probability, get my phone number off the internet. And because I used to be related to this person, they feel they have the right to call my home to inquire as to their whereabouts.

I had a similar call a week ago, not from the same company, but from a debt collector, looking for my ex-husband. When I answered the phone that time, they asked for "John." I said he's not here right now and if I can take the message. They said, "Are you Mrs. **?" I said no. And the girl said, "You just said you were his wife." I replied, "John is my husband, but his last name isn't **." Then she grilled me about where my ex lived, worked, etc. And they had to have gotten my number from the internet, because I haven't seen or talked to him in over 20 years.

On a few occasions, I have spoken with this "Matt **" directly. I have explained that this is not my ex's number and that he doesn't live here and hasn't in a long time. Further, there will not be a time when he will be able to contact him with my information.

I have repeatedly asked him to entirely take my number out of the database at his company. I have filed a couple of complaints at the "donotcall.gov" website without avail at this writing. I returned home from work last night, and there were a total of 8-9 calls from this company. The last time I spoke with a "real" person ("Matt **") at this company was about 2-3 weeks ago.

I managed to get a loan for a new vehicle through Santander Consumer. Although the 24% interest rate placed my payments at $6 below what I paid for my house each month, I was happy that I had a vehicle and that it belonged to me. I filed bankruptcy, but continued to pay for my house and vehicle. I wanted to make it through the bankruptcy with those intact. Learning from a bad financial situation with my ex-husband, I began checking balances on my loans almost monthly. It motivated me when they went down, even the smallest amount. I took credit counseling courses and took to heart the importance of a good credit score. Needless to say, I am a reformed "keeping-a-holic".

After my lawyer filed for my bankruptcy, I went to the Santander website to log in and check my balance/payment information. Instead of my account information, a nasty message appeared before my eyes, with a number to call if I had questions. I called the number and was immediately turned over to the Bankruptcy Department. At first, they did not want to talk to me about my account. It took a lot of talking, on my part, and the threat of contacting my lawyer for them to talk to me at all. As it was explained to me, I wasn't permitted to access my account information, because my account was in the Bankruptcy Department, pending discharge. I made it very clear that I was going to reaffirm my loan with them and would continue to make my monthly payments. The lady on the phone said that as long as I did those two things, my account information would be restored for my viewing, once the bankruptcy was discharged.

It seemed like forever going through the process of bankruptcy. I don't know if you've been through it, but it is very stressful. Creditors become very spiteful when you file for bankruptcy, regardless of your situation or why you had to file. Eventually, in January, the bankruptcy was discharged and my stress had ended or so I thought. Today, March 1, I did my yearly review of my credit report and noticed that Santander was no longer reporting my account. I was a bit frustrated by this, because not only was I making the payments, I was paying a little extra each month.

I again attempted to access my account information on the Santander website and, again, received the same nasty message. I contacted the number that appeared on my screen, where, again, they did not want to talk to me about my account. This time I talked to Alex (who would not furnish me with a last name). At first, he wanted to know why I wanted to look at my account. I couldn't believe that he was questioning me as to why I would want to look at my account information. He eventually told me that my account was still in a pending status, awaiting the discharge of my bankruptcy.

I told him that the bankruptcy had been discharged back in January and prior to that, my lawyer sent in the reaffirmation agreement. He immediately put me on hold. Approximately 15 minutes later, he came back and said that they never received a reaffirmation agreement and since none was received prior to the discharge of my bankruptcy, then he couldn't talk to me about the account. I reiterated that my lawyer had submitted one. To this, he responded that I should have my lawyer call and talk to them. At that point, the conversation was over.

I contacted my lawyer, who called them immediately. About an hour later, my lawyer called me back. At first, he received the same runaround that I did. Eventually, he spoke to someone who claimed they were "in charge". The "in charge" person stated that they did receive my reaffirmation agreement, a month before the discharge of my case, and it sat on the approval authority's desk, unsigned, until after bankruptcy had been discharged. Since it was not signed before the discharge, it's as if it didn't exist.

At this point, legally, Santander can come and repossess my vehicle, even though the error was theirs and I am current on my payments and paying extra each month. Now, I have to try to refinance my vehicle. My credit score is fair, but no one wants to touch someone who was recently discharged from a bankruptcy. Until I can find a lender to refinance me, I get the added stress of living in fear that I get up one morning and my vehicle has been repossessed.

These people call me after 10:00 pm, seven days a week and before 8:00 am on weekends. I told them to remove my phone number and not to call me again. I finally told one lady that she is harassing me and that I am going to make a police report if she did not stop and she just told me to go ahead and hung up on her.

I spoke with another manager who said, "They don't need proof of mailing and they have no proof of mailing, but will send me a release form, and that I will have to pay for a duplicate Title." I insisted they take responsibility for their action and was told, "You're on your own, the Title is in the mail." In other words, they told me to get screwed and will not do anything to recover the Historic document. Sovereign Bank will not accept responsibility. Historic original car Title lost worth thousands of dollars for resale with vehicle. Avoid business with Sovereign Bank, they act in bad faith causing grief with no remorse.

On January 17, 2010, I went online to try and make a payment of $350.00, which was my payment. It was showing I could not make a payment unless it was $645.50, plus the ridiculous $10.95 payment fee they charge to make a payment online or over the phone. I honestly did not have the extra $10.95. I was putting everything I had into the payment. I spoke to someone over the phone and explained this, and was told there was nothing I could do. I had to make the full payment. I was going to wait until the following week when I got my unemployment check to do the remainder.

Lo and behold, January 26,2010 comes around and my neighbor called me at 3 pm and told me if there is anything in my car I want, I better go get it because they were taking my car. I went outside to talk to the truck driver and told him the situation, and he said there is nothing he could do. I did ask where the car was going, and he told me the place doesn’t have an address, and it was in north Kansas City by the airport, which is about 45 minutes away.

I immediately called Santander to see what I had to do to get it back. I was told by a representative that to get it back I would have to pay $1330.45. I then asked the best way to make a payment and how long it would take to process. She told me the best way to pay was through MoneyGram because it could be processed right away and they could release my car in an hour after payment. If I paid by debit card, she told me it would be the next day before they could release it. I then informed her I would pay by MoneyGram in the morning.

I called my old boss, got my W2s and went to file right away that night so I could get my taxes back the same day. In the morning, I had set up with a friend to come get me, so I could pay and go get my car. I called Santader first thing in the morning and spoke with the first nice person I have ever spoke with to make sure I had all the details right. He told me first that the payment due was $2078.62, and I told him that the night before, I spoke with someone and he told me it was $1330.45. He told me that was wrong and it was indeed $2078.62. Irritated, I said, “Whatever, just tell me what I need.” He then informed me I could pay with a debit card and still have it released within an hour.

I asked him several times, “Are you sure?” And he replied yes. So, I asked him to please double check with his supervisor. He put me on hold for a few minutes, coming back with a confirmation of what he said. Okay, cool, this was getting easier for me. Yeah, right. I made the payment of $2078.62 with 2 separate debit card transactions on my MasterCard with the wonderful $10.95 fees. I got my confirmation numbers and he transferred me to the reinstatement department.

Wonderful. Gracie, in the reinstatement department, who is extremely rude and snotty informs me that I can’t have my car back until the next day. I told her, no, I was told by the representative before and he checked with his supervisor that I would be able to get it that day within an hour. I went rounds with this rude Gracie girl while she was informing me that the other departments didn’t know how things worked in the reinstatement department and they were wrong. I asked to speak to her supervisor or whoever was in-charge, and she told me nobody was available. For at least 15 minutes, she told me that there was no way to get the car back that day, and I would have to wait.

I asked her one last time, “So, there is absolutely no way I can get my car today?” She proceeds to tell me that the only way I could get it back today is if I paid via MoneyGram and they could cancel my debit payments. I told her that’s what I was asking the whole time! I told her to cancel the debit transactions and I would go immediately to MoneyGram. She gave me authorization numbers for the cancelled transactions and noted in the account I would pay that day. Immediately, when I hung up, I called my bank and explained the situation and made sure there was indeed the reverse transactions. They did show up, but with an expiration hold date of February 28, 2010. My bank informed me that the merchant (Santander Consumers), put a hold until then on the transactions. That was another deal, as soon as I got my car back.

Luckily, I had my taxes back so I could afford to pay the $2078.62 through MoneyGram even though it broke me. This all happened at 9 am and after being given the run-around on getting my car back, I finally got it back at about 4 pm after paying the truck driver $100 for 2 days storage (it was barely 24 hrs) and some other fee. It is now February 1, 2010 and I am still fighting Santander to get me $2078.62 back from my debit transactions. I was told on January 29, 2010 by another representative that the reinstatement department manager, Tara ** guaranteed me that the money would be in my account on the 29th, or at the very latest the morning of February 1st, 2010. Still, I haven’t seen it. They are holding my money hostage! This company is horrible!

I explained things again slowly, thinking perhaps she did not understand. After the second run-through, she asked again when I would be sending a payment. I then asked to speak to a supervisor. I was told all of them were on the phone. I told her I would hold on. Then she asked, "why do you want to speak to a supervisor?" And I told her that obviously, she had difficulty understanding the situation, and perhaps another person could understand. She said, "oh no, I understand." I said that didn't appear to be so, and I would wait until a supervisor was available.

Eventually (15-20 minutes later), Theona came on the line, and identified herself as a supervisor. I explained the situation again. She said she would contact the accounting department, and find out the progress, and in the meantime, she would put a request in my file to cancel all collection calls, until the matter was resolved. I thanked her. No more than 5 minutes later, I received another collection call from Santander on my cellphone. I told this person that I had just spoken with Theona, and that she should talk to her. I was placed on hold. Without coming back on the line, this representative disconnected the call several minutes later. At this point, only time and energy has been expended. However, if the matter isn't resolved in another few days, Santander will report the account as delinquent, damaging my credit.

I emailed Joe of the law firm about this and all he could say was that Santanter took over Sovereign Bank and Triad Financial and they, his firm, had not dealt with Santander but he would email me the paid in full letter, the next business day. I am upset because the Triad account cycled off all three of my credit reports already. Santander just came back on my Transunion as if a new account with no reference to the Triad account even though it has the same account, open date of 8/2001 as Triad. The account closed date is 11/2009 though which means the Santander info won't come off until 10/2016. How rotten! I do not think this info meets the Fair credit reporting act rules.

I was only with Santander for a couple of weeks before the loan was paid off. It's not possible to be 120 days late. I have spoken to numerous Service Representatives who have given me the run around. First a Manager lied and said I was late with Sovereign Bank. The next Representative told me they did not close their files out correctly and the notice to the credit agencies was an error. Since then, I spoke to numerous agents who gave me different information and was getting nowhere. My credit has been ruined and my score has dropped drastically. My credit card companies are either canceling my accounts or raising my rates drastically. I still have had no resolution.

I was taken completely by surprise for I had no prior knowledge that this was going to occur. No letter of intent was sent to my address. I obliged to the repo person and retrieved most of my property out of the vehicle and I asked if there was anything I needed from her or if I could have a copy of the papers she had regarding my repossession. She said no but informed me that she would contact the company and tell them that I was very cooperative and I was interested in recovering the vehicle and that I would also get back anything else I left in the vehicle.

I contacted Santander the next day which was a Saturday and was told that my balance was about triple of what my last bill was for but there was nothing they could do to assist me because their Reinstatement Department was not open on the weekends.

I contacted them the following Monday and was told that I had until the 13th to pay a reinstatement payment of $310 and they would hold off on selling the vehicle for ten more days if I could come up with a remainder payment of $909. I was informed also at that time that I would also have to pay for the storage of the vehicle but they didn't have that amount to give me. I had to sell some personal items to come up with the rest of the money but on the 12th, I made a reinstatement payment of $310.

I wired them a Western Union quick collect payment on the 21st of $910 and when I called to give them the confirmation number, they gave me the number of the auction house that had my vehicle which was located five hours away from me. When I called the auction house, they informed me that my car was in fact there. It was five hours away from my location and I would have to come up with an additional $430 for the transport fee and because they repaired a couple small door dings on the vehicle. They also informed me that my belongings and plates for the vehicle were with the repossession company half an hour away from my home. When I called the repossession people, they said that I only have nine more days to claim my property and plates for the vehicle before they would dispose of them and I would have to pay them a fee of $55 to retrieve them.

When I contacted Santander to get an explanation of why my vehicle was transported five hours away when I had been working with them the whole time in trying to recover my vehicle, I was given no answer. They were just telling me that they waived my $400 repossession fee and the charges at the auction house were not their charges. So now I am in a position to come up with yet another $500 to retrieve my vehicle which is at the other end of the state when all in all if they had let me know what all was going to be involved in this, I would have taken my $1000 I paid them and just bought another vehicle.

I feel what they did was very deceptive and they were not forthcoming in the process or what was happening in my situation on their end. This whole experience has been a complete nightmare and I feel completely taken advantaged of when I did everything I could to work with them and give them the money they were requesting.

As a single mother of two who receives only unemployment and no child support, I have been put into a situation where I can't even be in a position to find a job now. I have sold off personal items to make my account up to date and I am capable of continuing to make these payments but I have no idea how I am supposed to travel five hours away to retrieve my vehicle with an additional cost of $500 due to another company.

Then again, I was told it would be. Several days went by and it is still not corrected. I then talk with a Amanget and was told it would be corrected and it is still not today . On Jan 15, 2010, I called Santander before making the payment of $415.00 of which $380 was for the regular car note and the balance to go to the late fees again because it is still showing late on my file. I was told it would be applied to the late fee that was still showing from Dec. I made the payment and I checked my account and now the same thing has happened and it is misapplied again. I was hung up on and several reps refused to give me a supervisor. I was getting nowhere; I waited the next day and tried calling to speak with a manager .

I was placed on hold for 30 minutes and still did not get to talk with a supervisor; when I called back the office was closed. I called the next day and talked with a supervisor who assured me that this issue would be corrected. While today is Jan 19, and it is still not corrected. I will not pay anything else until it is resolved. Also I am filing a lawsuit against all parties involved. I have names, dates, and times I spoke with each person.

They did not start calling at first and was able to talk their rep into paying my bill for November 09 on December 15, 09. The next bill would be due on December 16. On December 19, they started to call 5 times a day, and I was only 3 days late. Anytime I talked to them, they were demanding to be paid and unwilling to help in anyway shape or form. I will not use these people again for any reason and if the choice of getting a new car means I have to deal with them again, then I will not be getting a new car. As of right now, I was able to pull funds together to get them caught up. I will continue to make these payments for fear of going through the stress I went through just talking to these people. They are very well versed in guerilla tactics and intimidation. I wish the government would take these Nazi-loving ** to heel and through a choke collar on this insane pit-bull.

In early 2007, I was in an accident that rendered me disabled and in my haste to try to get some composure in my health, I endured a lot of financial mishaps but I did try to ensure that I paid any bills that came in despite being evicted due to lack of income due to my disability.

On January 12, 2010 I was sitting on my bed and I heard a tow truck outside towing my car. I jumped up in surprise grabbed my robe and went out to check and the tow truck driver said that my car was up for repossession. I almost died, because I know that I have paid this car out to the tune of $16,000 in that matter of 5 years. The tow truck driver gave me a business card saying the he is from Extreme Recovery and that Drive sent him to repossess my vehicle. I took most of my things from the car and waited until the next day and started to investigate, realizing that Drive Financial was no longer in service and that 4 months ago, Santander Consumer Inc. bought the company out.

I called on January 13, 2010 and was told that there was a balance of $1813.05 remaining on my car and I was told that I was very negligent in the way I handle my business and that basically they could have contacted me to get the balance but "Oh well, Angela you could have done better as well." I was then told that if I don't come up with this money right now then my car is going to be sold to collect $2563.05.

I am feeling so helpless at the fact that anyone can come in and say that okay you paid more than $16K but for $1800 we're going to take it all back and there is nothing that you can do. I have put hard work and sweat onto this car and I have paid up all that I assumed was owed for this vehicle. I feel as if my livelihood has been challenged and I have literally been treated unjust. I feel that there is justice and I just don't know where to start. I have been severely compromised because my car is what I am using right now for doctor's appointments and physical therapy and to transport my children to and from school and appointments. I also am under medications due to doctors treatment for myself and for my son and my car is the way of assuring that we get our medications. My mobility is limited; I have to use a handicap sticker because I can't walk or stand for long periods of time so without my car, my interaction to the outdoor will be basically non-existent.

I started answering the calls, but they were pushy and promised to help when all they were doing is making you feel worse. They insist on a date for payment. When you explain to them you have been laid off (like a great percentage of the country) and I am working on employment, they want more than a payment plus the $10.95 fee. They push to use Western Union. I stopped answering the calls. I send in partial payments every week. I was recently contacted by the before mentioned ex, they called him wanting my information. I did not give him as a contact and in the middle of establishing a case because he molested my son. Them contacting him has created problems. I was keeping track of him through Facebook. He now blocked me.

So now, his newly pregnant teacher of a wife is going to have to find out the hard way what this ** is going to do to the kid growing inside her as well as all the elementary kids that he now has contact with. I did not give them permission to contact this man, I did not give them his phone number (he lives in another state), I did not even indicate that I was related to him in any way. My last name has been changed. They told him that I was behind on my car payment. Now, they want to repossess. I tried to call the loss litigation guy with no answer, I tried to call and was disconnected. I am seriously thinking about obtaining an attorney.

Every time that I call, I never get the same person, and they all give you a different answers as to how to resolve any difficulties that you may have making your payment on time. I have done my best to stay current with my payments, but they do not seem to care about anything except getting their money. What I do not understand, is if they are really customer orientated, they of all companies should understand the economic crisis that our country is experiencing at this time, and be more understanding of everyone's situation, because none of them are the same.

Trying to get through to any one other than a customer service rep is almost impossible, and it does not help when you get a hold of a ** supervisor, that calls you back, because you hang up on them. That one I just do not get. Then I was asked why I have not called since September of last year. There is nothing in the contract that I signed when I got the loan in the first place telling me that I have to call them at any point and time. I do not call them when they call purposely because of their ** attitude. I am glad to see that I am not the only one that is so very much dissatisfied with this company.

Now, I not only do not have a vehicle, but now I can not go to work to try and make money to try and get back on track financially. They do not understand and do not want to understand that if you repossess a person's vehicle, that, that alone causes another problem, that it prevents from trying to find other employment that would offer me more hours, to get me back on track financially. One obviously affects the other. They just don't get it. They are just another money hungry company, and the hell with customers.

I could go on, but I think by now anyone who will read this gets my point about this company. The best of luck with the rest of the poor individuals who are in the same situation that I am in. But I may have a way out of this. I am half tempted to tell them to keep my car. It is a piece of junk anyway. Besides if I do let them keep it, they by no means get what it is worth at an auction, that's my justice.

The CRS supervisor said we were not able to pay a car loan off over the phone, that if I was in a hurry, I would have to actually Western Union them the money. I live in BF nowhere, so the nearest facilities was like 20 miles away. And after that, she did not give me a definite time frame of when the title would be sent to me. She said a week, but was that 5 business days or 7 business days?

I kept asking her if there is anything else that she could do to help us. But all this ignorant supervisor would do was read her "script." My son finally begged for her help. She would not budge. (I did work out something with the dealership, and he was able to drive the new car away.)

This bank **! There was even another incident the first day they changed over which caused me an hour of my time to communicate to them that they were inaccurate on my account. Stay away from this two-bit operation. Their customer service is not knowledgeable and not helpful. I think your best bet that if your loan was to be sold to this trailer park bank (and don't mean to insult anyone living in a trailer park)... I would take out a loan from a reputable bank and pay these smucks off.

The dealership is paying the loan off. I hope this bank is capable of closing this loan properly and doesn't destroy my credit in the process. Customer, beware. 5 thumbs down!

They also agreed verbally that two payments were going to be made in January to defer the loan to help us out on Dec. 15, 2009. Terry tried to call Ms. ** on her direct line while she was at work but could only get her answering machine. She had left numerous messages but Ms. ** never returned her calls. When I got up the next morning, Dec. 16, 2009, to start her car, it was gone. We began to call the police and they said it was reported. We were very upset. We tried to call Ms. ** but all we got was her machine. We began to call Santander and they said that Ms. ** was off and that we would have to pay to get our car back. We advised them that we had a verbal agreement with Ms. ** but they said that there were no notes about it.

We must band together to stop companies taking advantage of people with challenged credit, yet all the while ripping them off. They took my car and I'm in the middle of nowhere. I don't know how I am going to get to work. I am not going to let them get away with their actions. Thank you for the support. God bless! Consequences: emotional stress and not able to get to work.

I am going through my company to get legal assistance. I contacted the Dallas Better Business Bureau, and filed a complaint with the Federal Trade Commission. Congress and the News Media is my next stop. I won't rest until I receive justice and resolution. People work too hard for their money to be treated like their money isn't nothing. God sees all! I say we form a class action suit against Santander Consumer USA! See how they would feel.

I checked my financial records and discovered that we were paid up to date until December. However, after reading about how Santander was repossessing cars without advance notice, I became nervous and called them to get my final payoff amount on December 12, 2009. I wrote a check for the entire balance we owed them and mailed it that morning. Today, Sunday, December 13, 2009, Santander called us at home to tell us we were late on our payments! I explained that we were not late because we had made double payments in June, July, and August and that we never received any statements from them since then until December, which statement claimed we were overdue.

I told her that we paid it off in full yesterday because we became nervous they might repossess our truck even though we were up to date on payments. I asked her how long until they would send us the title to our truck. She said it would be about 30 days. We're keeping fingers crossed that they don't come here in the middle of the night and take our truck away! There's nothing like not sending statements for September, October, and November and then waiting until two weeks before Christmas to drop the boom on unsuspecting consumers.

The deferment was granted and two days later, they received a $600 payment from me. This was $200 over my regular payment. In August, we received our statement. The deferment was granted, but the fees were still there along with September's bill being due. We sent a check for the late charges to clear them out so that all we would have due was September's note. The check clearly states that the payment is for late charges only. We paid September's note and added an extra $100 to cut October's note down. We didn't receive another statement until the November payment was due. The late charges were still on the statement along with $155 added to November's note.

We called and were told that the check for the late charges was applied to October's payment and couldn't be retracted. So the remainder of October's bill was added to November. How can you receive a payment for the exact amount of what the late charges are, ignore the notes written on the check and still say that I owe late charges. I haven't paid November's note until they rectify their mistake. They try to calculate on the phone to tell me that the amount is correct when it is not. Now they are calling me about my payment due, but when I question them about their practices, they become hostile and don't want to work with me. I want to make my payment, but not for what they are saying the amount is.

Payoff amount that shows on the truck is also higher than what was owed when I looked into trading the truck in 4 months ago. They have also shown me as late on my credit report when the payments post way before the due date on my bank account. Why is that? I was at one point nearly 3 months ahead on the payments and am shown as late? This just doesn't compute, and calling does no good. You cannot get someone on the phone unless you are in arrears on your payment, and since I am not, I cannot speak to anyone regarding these issues.

I spent the next day calling them to make the full payment due to have my car released. At first, with my consent, they agreed to deal with my husband over the phone to get it straightened out, but then they changed their mind and I had to call myself. Making calls like that from work are not allowed. I stood outside in the freezing cold talking to Yolanda (the rudest, most ignorant excuse of a human I have ever dealt with) over the phone. After she took the payment, she told me she had to have my boss’s phone number and my employment info and also 2 references to call; that until I provided that and she could actually verify it, she would not send the paperwork to release my car. I was livid. I asked why I should provide references when I am the sole person responsible for my car. She said, "Ma’am, if you ever answered our phone calls, we would not have to do this. Since we cannot reach you, we need to know 2 other people and your boss who can." I told her if they were not so rude, I would answer.

You can’t have a civil conversation with these people. So why bother (especially when they are calling you on your cell phone at work)? I told her I fulfilled my obligation and fully paid what I owed and that you cannot hold my car hostage because you want phone numbers of family/friends you can harass looking for me. She refused and also told me there was no one else I could speak with. She then asked me to verify my address. I told her they already have it; they came and took the friggin car. Her reply was "Just because that's where we picked the car up does not mean you live there." So I told her my address again, and she asked again, "So this is where you actually live?" I said Yah, and she said, "Ma’am, I need a yes or no." Then, I asked her if she had to verify this information and actually call these people before she released my car, and she said yes. Are you kidding me? I had to hang up with her and call around to see which friends I had who would actually be there to answer their phones.

When I called back, I got a guy named Robert who told me she was wrong, I did not need to provide and have her call those people in order to release my car, and that the paperwork should have been done right then. I hope to God she ends up in a position to be so financially broken down, that something is taken from her, and she is treated like the ignorant ** she is by someone trying to collect from her. These people are total jerks and treat everyone like they are some sort of criminal. Oh, and to get my car back, they refused to tell me where it was, and then they told me it was in another state. After calling 3 different asset recovery places, I had to meet the guy who took it in a 7-11 parking lot and pay him $150 cash. My car was not in other state. Because they lied about it, where it was, and what time they closed, I had to pay another day for storage fee.

I have been working with my bank to get the proof of payment I made from over a year ago now. Unfortunately, I have had three bank accounts that I have used to make payments to them and also a money order once or twice. It was virtually impossible to speak to a supervisor and the representatives usually hung up on me. This has been going on for almost 3 months now and was not the first time it has happened. I proved them wrong. I also was reported for the first 3 months of my loan as being late and the first 2 of these payments were made to them, right at the car dealership where I purchased my vehicle, on the day of purchase. I also have the problem of when I mail a payment to them, it may take several weeks and on occasion or 2, up to 2 months, for them to receive it.

This has obviously caused problems to me also with "late payments". I'm not sure who is running this outfit but I am sure that things were not being handled well or professionally and based on the other articles that I have read, I am not the only one having problems with them. I have lost my patience with this company and would do almost anything to have another bank buy out my loan.

Our contract states an annual percentage rate of 18.950% with a finance charge of a dollar amount credit cost for me of $13,120.4, amount financed credit provided to me on my behalf $18,901.59 with a total of payments made from me of $32,022 if made on schedule with a total sale price of $32.022. A down payment of $1,500 made on 02/02/03 with 72 installment payments of $444.75 due on 03.05/03.

A few months later that year, I changed my scheduled payments to be made on the 20th of the month instead of the 5th of the month, which it has remained until this present date. I have fulfilled on 72 scheduled payments with my last 3 payments made on 09/21/09 of $444.75 and $889.50 payment made on 10/02/09. November 13, 2009, my car was repossessed at 5:00 in the morning for the reason of being 116 days late. Not only was I not 116 days late, I paid in October and was not due for another payment until Nov. 20th. When I scheduled these payments to me taken from my account through a Triad rep on 08/11/09, the rep explained to me that my loan had matured and I will have had completed all my 72 contractual payments and the remaining balance of $3,598.11 was due to a couple of payments put at the end of the loan penalties, late fees and interest on the late fees.

The rep told me to call 714-373-8300 and ask to speak to a manager and ask for a settlement amount to be agreed upon. On 10/09//09, I called and asked to speak to a manager. I was transferred to Ms. **. I explained to her with all the car repairs I have had to make and at one time was laid off and/or working part-time, it caused me to be late at times but through all of this, I have paid all my contractual payments. I would like to propose a settlement amount of $1,400 to be made with one payment of $1,000.00 to be made on 11/20/09 and the final payment of $400.00 on 12/01/09. She said that's not quite half but okay, go ahead and fax me what you have agreed to do to fax #800-462-8619, in which I did. I called and left her a message that it had been faxed.

November 12, 2009, I received a letter from Santander Consumer USA Inc. Dallas, TX stating they have recently acquired Triad Financial Corp and the transfer does not affect the original terms of my auto loan. I will soon receive a monthly auto loan account statement with instructions for submitting my payment and my statement will include a payment coupon, return envelope and instructions for mailing my payment to Santander consumer USA via regular mail. November 13, 2009, my car was repossessed at 5:00 in the morning. I called the old Triad number of 714-373-8300, pressed #4 for account information and would immediately get a busy signal. After several attempts at this, with the same response, I got the Santander letter out and found their number of 888-222-4227.

I spoke to ** and explained what had happened with my car. He said the only thing he could do is have the loan remodified and he would wave the $400.00 repossession fee and would put it in the notes for the reinstatement department. I asked for his manager. I spoke to his manager, Ms. **, and explained to her my settlement agreement. She said she saw in her notes that this was so and Ms. ** tried to contact me, but my answering machine was full so since I didn't have anything in writing, I was considered 116 days late. That is why they took the vehicle and she will not honor my agreement. Due to this circumstance of my previous agreement with Ms. **, she will do me a favor, accept the $1,000.00 and remodify the loan instead of asking for $3,683 in full. And I should pay it today instead of 11/20/09 because the longer they hold the vehicle, the more I will owe in storage fees. If I paid it that day, I could get my vehicle back that very day.

I was then transferred to the reinstatement department and was told by ** that I will not get my car that day even if I made a credit card or Western Union payment. They will not remove the $400.00 repossession fee because that is not how they operate. The payment will have to post on Saturday morning on the 14th and they will fax the remodification papers for me to sign. I would not receive my car until probably Tuesday or Wednesday of the following week and I would be responsible for all the storage charges. I called back to speak to Ms. ** and I was first told she had left for the day. I called back 30 minutes later and asked for Ms. ** again. I was finally transferred to her. I explained to her what Ms. ** had told me. She said perhaps she (herself) was wrong, that she had worked for Triad and the reinstatement department was new, and she didn't know them so perhaps I should call that department back and ask for a manager in their department, in which I did.

I spoke to Ms. ** again and I asked to speak to her manager. She said her manager was not there. I asked if there is another manger I could speak with. She said, "Yes you can speak to Ms. ** and she will advise you of the same thing I just told you." I spoke to Ms. ** and explained the whole situation again - that I was not 116 days late, have been a long term customer, have completed my payments and have settled on the late fees - could an exception be made to pay the $1,000.00 that day and sign the papers and receive the vehicle back on that day? She said this is not their usual procedure, but she will see what she can do and will call me back. After 2 hours had passed, I called back several times.

I was told by an ** that he didn't know who she was and I was transferred back to the reinstatement dept. I spoke to an ** and she said Ms. ** was not in her dept, she is in collections and she does not know the collections department's hours, but she will send Ms. ** an email. I called back 30 minutes later and I spoke to **. I told her I heard a fax try to come through, but my fax machine was not on and perhaps Ms. ** had tried to fax my modification papers. She said she doubts it because that's not how they operate and I have called several times, the best I can do is email Ms. ** again and she may have left already. I asked if I could speak to someone else in that department. She said she did not know anyone in that dept nor their hours, but she would leave a message for Ms. **, but more than likely I wouldn't be able to speak to someone until Monday the 16th.

** called me back and said Ms. ** told her that she had spoken to the vice president. He said I will not receive my loan papers that day and I will have to wait. I asked what is the VP's name and she exclaimed, "I cant tell you that!" I called Saturday, 11/14/09, and spoke to Ms. **. I told her I want to receive in writing their repossession policy and also to get in writing a statement concerning the answers to my questions regarding monies owed after the sale of the vehicle; and if I pay off the car, would it show a repossession on my credit report. She said I would have to speak to the reinstatement dept, but they were closed. I said, "How can they be closed? Ms. ** said they would not only be open, but that is when she would fax me the remodification loan papers to sign." I asked for her manager. She transferred me to Mrs. **.

I asked her all of the previous questions I had asked Ms. **. She said as far as the repossession charge, we report to the credit bureau every 30 days. I asked, "What does that mean? Are you saying if I get the car back before 30 days, it will not show on my credit report?" She said, "Probably not." I told her I have spoken to several different people and everybody has either lied or told me different stories and probably is not a definite answer. I need everything in writing to be faxed to me. She said, "I am quite sure everyone you have spoken to has told you we will send nothing to you in writing!" I told her that is illegal and I am voiding my $1,000.00 bank card payment I made with ** yesterday until I receive their repossession policy, my original contract and my payment history so that I may make an informed decision before I make any payment agreements with them because my car was repossessed on false pretenses.

They were wrong in taking my 2000 Ford vehicle account#** or Triad's original account for me would be my SS #**. I would like my vehicle restored to me less all the repossession charges and my prior settlement agreement honored. Thank you!

Their representative placed me on hold and when he returned, the phone disconnected. When I called back another male answered and was obnoxious and rude so I hung up and called back and got a lady on the line who, all but told me she didn't believe what I was telling her and that she would ask the first representative because he sits right across from her. As expected, she came back on the line and said she was informed by that representative that what I said was untrue and all that they weren't willing to negotiate the $1,050.00 after I was initially offered it.

This could have been easily rectified if they would play back the recording since all calls are recorded and monitored. I would like to pay this company but they can’t get money I don’t have. I didn't want to include this bill in my bankruptcy. I wanted to settle it but all I have is $650.00. If someone from this organization with a professional demeanor can contact me and have the authority to work out a reasonable deal, I would appreciate it. They are threatening to take my car when majority of the fees are late fees and interest not principal amounts.

In December of 2008, I was laid off from my job. I have managed to keep my payment current. My next payment is due on August 15, 2009. I did foresee a problem so I called them and ask on several occasions for some assistance because I did not want to get behind on my payment. I called the last time on July 13, 2009 and was told that I could not speak to anyone about this problem because until I was behind, they did not consider it a problem. I was also told that the only way someone would talk to me other than a customer service rep is to let me get in arrears. I have done everything I can to talk to this company. No one will even talk to me. I must also state when Drive took over, I did not sign a contract with them. My contract was with Roadway Loans. I was never given the opportunity to even purchase insurance on missed payments due to unemployment. This company continues the threat of only dealing with me if I get behind on a payment. As long as I am current, they will not talk to me.