Santander Consumer USA Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

It causes loss of friendship and high blood pressure stress.

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

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

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

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

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

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

This is ridiculous because:

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

- The repossession company is their affiliate.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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