Santander Consumer USA Reviews

I made payments on my recreational vehicle from early 2004 to early 2007, and I voluntarily repossessed it to the company and eventually it went into charge off on the original company's credit records around 2009. However, this company, Santander Consumer USA, is now in possession of the note and is reporting to the credit bureau inaccurate information, that I made good payments from early 2006 to early 2011 - clearly and outright inaccurate credit reporting as I did not own the vehicle past early 2007.

I have read the comments here, and it looks like Santander swindled us all; and then some. After signing on a 14% interest and working three jobs to get this damn car paid off as soon as possible, since my credit was bad then and I had no choice, I figured I could work extra hours and pay it off as soon as possible since it was an open loan. Two months later, I learned Santander adjusted my interest rate to 26%. There was no reason given. The dealership didn't understand it and no one could give me an explanation. Hello? I signed the paperwork for 14% and it didn't matter to them. My payment went from $236 to $398 overnight as they added extra fees in, but no one could tell me what the extra fees were.

These people will repossess your vehicle at the drop of a hat. Mind you that you can get it back, but there's the $450 fee that they add on top of your past due payments, plus storage and $150 to have a key made. Near as I can figure, they've discovered that repossession is a new profit center for them. Avoid using them if at all possible. Buy the $500 used car cash rather than a loan from these people if that's what it takes. They've repossessed my car twice costing me over $1,000. I had payment arrangements with them, but they picked up the car anyway. These people are not to be trusted.

In 2005, I purchased a 2002 Expedition that was initially financed through WFS Financial until Santander bought their accounts. The amount financed was $24,645.00. I made all 72 payments on the account. Thinking I was making my last payment, customer service informed that yes I had reached the end of my contract but due to deferments, late fees and finance charges, I still owed them almost $12,000.00.

I got my loan with Santander in 2010. I love my car and had no problems with Santander until I had my car refinanced with Wells Fargo. I got a much better monthly payment and lower interest rate through Wells Fargo. Anyway, when Wells Fargo gave me a loan to pay off Santander Consumer USA car loan, they overpaid by $500. I mailed the check to Santander who thanked me and congratulated me for paying off my loan. However, I paid it off in September 2012 and have not yet received my refund. They have acknowledged they owe me the money and have only not paid me due to incompetence or mistakes on their part.

Is there a class action suit for Santander? I am supposed to be finished paying off my car in 9/2013. I found out I have 16 more months of payments because of some scandals with Santander scheme people for more money without telling them. My car has no value. The statement does not include a breakdown of interest and principal paid from payments. I had no idea I was being ripped off. Now I owe thousands more in interest, but this information is never included on my statements.

I have had my vehicle now over 5 years, proof of having paid $33,000.00. Now, with the vehicle being older and having lots of miles, it is hard to trade and they say that I still owe $19,000.00. They need to be stopped. I’m angry.

I had a loan with Santander on an RV which I traded in for a new RV. In the trade transaction, I gave the new RV dealer a check for the cost of the new RV minus the trade-in plus the balance owed on the traded-in RV, which they were then going to pay off. They sent a payoff amount which was more than was owed to Santander. Santander verbally confirmed this, but my online account as well as the payment history and paid in full document they sent me only shows the amount applied to pay off the loan. Nothing shows the actual amount paid or the overpayment.

After reading a couple of the posts, all I have to say is that Santander is by far the worst car finance company in the US. Both of my vehicles were repossessed in October. 2012. The first one, they showed up at my door at 8:30 at night, took the car and we never heard another word regarding that vehicle again. I called them to try to get information and each time it changed. I found out through an attorney that that vehicle was sold to a car dealership in upper Nevada. The other vehicle was taken out of a parking lot. Apparently, I was being followed by someone with a camera attached to their car. We called them and like they tell everyone, you have so many days to recover your vehicle, don't believe them! Three days later ,my vehicle was sent to auction and now they want what they couldn't get for it from me, but yet still nothing on the first vehicle has ever come up!

I purchased a 2006 Expedition in 2/2006, which was financed through Bank of America. I paid a total of $13,873.01 to this loan. The original loan was for $39,942.58. I refinanced the loan 8/2007 with Citifinancial with a balance of $26,070.57. I have paid a total of $23,603.94 to Citifinancial from 8/2007 to 8/2010. In 2010 I received a letter informing me that Santander is now taking care of my account due to buying Citifinancial. I have paid a total of $14,958 to Santander from 10/2010 to 12/2012. They are calling and harassing me stating I owe a balance of $3,482.14. I have overpaid them and now they are trying to say I owe interest. I am furious because as a total, I have paid $67,419.95 for a truck. I need help and fast.

In October 2006, I bought a 2004 Chevrolet Blazer from a local dealer. Citibank financed the truck. Citibank sold my account to Santander in 2008-2009. I had my account set up for payment due dates on the 10th of every month to allow for the USPS to deliver as my monthly SSI check comes on the third. My payments have never been late. I've never heard from Santander or Citibank over the life of this loan. I paid the truck off on November 3, 2012 having made 72 payments. Santander has forced me to make two over payments of $279.13 each and refuses to send me my title.

Santander repossessed my car today. When I spoke to them, they are saying I still owe them $2,445.55. However, their online site shows I only owe two payments, which would be $1,020. I've made 58 payments out of 60. My last payment was November, and now on January 2, they repossessed my car. I have to come up with $2,850 in 30 days, or my car will be sold. How is this right? I asked the customer service rep if he was stating I had $1,420 in late fees, and he kept stating it was deferments, but I still made 58 payments out of 60, and some of them were more for the payment amount.

I made 74 payments on an auto loan that was only supposed to be 72 payments. Bills still show that I owe $2,065.12 on the loan that I have overpaid on. My letters to them did not get a response. My phone call was disconnected when a hit the key to speak with a customer service representative and when trying to file through their web page customer service contact, it gave me an error message. I would like my title back and to stop receiving requests for payment on this loan.

I paid Santander 7 and 1/2 years on a 6-year contract and then I quit making the payments. Four hundred twenty days later, they repossessed my 2001 F150 pickup on the 26th day of December 2012. So what do I do? They say if I pay them $3,555.00 by the 9th of January 2013, I can have my truck back. They owe me a year and a half of payments back, so can I make them give me my truck back? Please someone let me know something.

This company is a predatory lender. I looked at my account and realized that I had made over $3,000 in payments on my car but the amount still due was higher than when I started the loan. Do not use this company.

I financed my car through Santander in August of 2011 for $21,391.83. As of this date, I have paid around $7,000.00 in payments and my estimated payoff as of this month is $20,089.75. I have contacted the company to try to get the interest rate and payment lowered. I was told I would need to do that through a local bank. That cannot be done nor can I trade it in because the value of the car and what I owe are so far apart. Making the payment is not the problem. Having the majority of the payment go to the interest and not the principal is the problem.

I purchased a 2006 Dodge Charger and had it financed through Santander. Immediately after I bought the car, I was followed by repo and private investigators all over the place. I know this because one of the bosses that I did security for was also into repossession and our company specializes in private investigations. These people would follow me to work and everywhere else. Now it is worse. I am now doing retail, and they are interrupting while I am doing business. One of these men came to my store smelling like alcohol. The other men were spread out throughout the store pretending to be interested in our products. I pointed this out to my supervisor, and he agreed they were very suspicious. All of this on camera.

In September 2010, our loan was sold to Santander. Since then it seems our balance hasn't gone down. In 2011, I was laid off but managed to keep making payments - some on time and some a little late, but payments were made. In November 2011, I asked if I could do a settlement which was for an amount that the vehicle was worth. Well the lady said she'd put in a request, but much to my surprise (just found out today December 7, 2012), the request was never put in. In June 2012, I asked for a furlough since I no longer had income. Again, no record of my call. The Tuesday before Thanksgiving, they took my vehicle. Mind you, my original loan was to end this month, but they still have me owing over $8,000.00.

My father (a WWII veteran) purchased a car, and the loan was sold to Santander. He paid on the loan for over three years. In 2011, he had been having some health issues; and in 2011, he had a heart attack. The payments got a few months behind. My father is hard of hearing, so he gave Santander permission to talk to me on the phone. After his heart attack, he tried talking to them and got chest pains. I told my father that I would get the situation resolved. Little did I know that I was dealing with an extremely crooked company. I initially told them I would send two payments and would have the loan current by the end of 30 days. They told me that they would not accept anything less than $4,000 and that the loan was being written off. There was only $1,500 due at that time.

I have a loan with Santander. The balance due in the statement that I received is $1500 less as the one in the automated services. I spoke with a representative, and she explained to me that accrue charge was applied for almost $1500 and my maturity date is November 05, 2012. Every time, they had money to the loan in order for you to keep on paying them. My balance was $1378,45 and the automated services stated $2800. This company is a ripoff.

If there is anyone out there that is as frustrated as me about how Santander is ripping them off, let me know. I work for an attorney in Lexington, SC and I am going to be suing Santander. I am to have my car paid off as of March 2013, but they say I owe 23 more payments of $526, which is $12,098.00 plus interest. I have already paid $31,560.00 for a car that only cost me $21,000.00. This is crazy. Send me your story at ** if you think you want to have a class action suit against Santander.

When I bought my 2006 Mazda 3 from a dealership in Hurst, they advised Santander would finance me. On my signed contract after interest is paid, I would pay $24,000 for my car. To date, I have paid over $30,000 and still paying. I have made over 50 payments, and all my payments are still going to interest and I am on time. I am a single mother and have been furloughed twice. I don't get regular court order child support, even though in court, in this recession; and Santander did nothing to help me during those tough financial times. They would sign for FedEx-sent payments and refused to post payments. They call harassing calls all the time. They are the worst loan company to deal with.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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