Santander Consumer USA Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Santander definitely seems shady.

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

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

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

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

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

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

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

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

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

Somebody please put this company out of business!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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