Santander Consumer USA Reviews

I bought a Dodge Caliber From Ohio October 2015. My loan is through Santander Consumer. I have never in my life had bad luck this bad. First 30 days, car has issues THEN loud noises. Couldn't take it back, car dealership refused to fix it. After that within a year I went to apply for the renewal for registration. Come to find out they never got the title from Ohio to Texas to switch to PA. Oh was I livid at this point. I'm a mother with two children. I drove this car everywhere, the car was NOWHERE in any system at any DMV. I did all the steps I had to do to make sure the car was legal. NOPE. The plate was still registered to my old car. I never received my taxes from the dealership in Ohio. I had no choice to quit my job and stop payments.

I purchased a car and was in dire need of a car. I went to reputable dealer where I purchased a car. Little did I know that the loan that I received was from Santander. I have had this car since August of 2013 and it seems as though I have never paid the balance of the note down. Because the cars age and reliability it is not worth the money that I am paying... Bought it for 15k and have a little of 13k plus to pay for it. Because I was in a job that did not pay me as well, and with student loans I would call and ask if I could have an extension to get the money into them. Unaware that they moved back the day and pushed more interest and fees on the loan.

I purchased my truck in June of 2015. Loved my truck and was thrilled that I got it. However what the dealer or Santander didn't tell me was they was gonna screw me really hard! Almost 2 years later after paying on my truck I owe more now than what I purchased the Damn truck for! HOW?!?! Well I started having seizures couldn't drive talk to Santander on a regular basis because they will blow your phone up In a heartbeat! They couldn't wait a week for a payment?!?! Are you serious. Ohhh that's because they failed to tell me that they added all kinds of fees when I had gotten a 2 month extension! These people are crooks!!! STAY FAR FAR FAR AWAY FROM THEM! THEY ARE MONEY HUNGRY **! I've never had anyone make my blood boil like these people! I could go on and on but I just recommend everyone to stay far away!! UNLESS YOU WANT TO PAY ON A CAR FOR 30 YEARS! CROOKS!!!

I called Santander to get my car back, because I was behind on payment. The customer service representative I talked to told. Me to pay 809.95 to get my car back, so I gave her my information and she had to transfer me to another department to restore my information and payment but the other department already told me my vehicle had been sold already, I said "well why she didn't tell me that I wouldn't have me a payment", and they transfer me to a loan officer who told me that they apologize and that I should cancel the payment. SANTANDER IS A SCAM.

Lured to the bank by an offer to open a check acct. With direct deposit. Met all conditions. Ac s/h been credited $225 as a bonus on 2/14/17. They have not. Ac/ was opened at the manchester Nj. Branch. Just wrote to the state banking to assist me with issue.

Bought my car in 2010. Still have 5 more months to go then went out to trade for a truck. But come to me that I still owe 5122.18. They said it was incur of late payment. I was shocked cuz the late payment was not add to my regular monthly payment. I called and told them that it was their fault for not putting the late payment on my regular payment. So now I am stucks with the loan and it won't be done for another year. That really boiled me over. Will never deal with them. They are greedy and big time ripped off. I reported it to bbb.org.

Went to a local branch to deposit business funds... that after visiting two other banks (Rockland Trust Co., Eastern Bank - who were open and functioning!). To find out after 15 minutes wait online, there was no plan to open (decided in last 10 minutes???) Where were employees??? Me and 12 other business accounts!!! All very pissed!! In the meantime, my mail was delivered by USPS, so... DON'T BANK WITH SANTANDER!! Not if you want a RELIABLE BANK!! Sorry! But I stayed up half the night to decide the plan for my employees safety. If I can do that, why not The Great Santander???

I purchased a 2015 Jeep Patriot 2 years back and was recently involved in an accident. Since my vehicle was financed when the insurance company sent the check to me, I was told to endorse the check then send it to the finance company (Chrysler Capital). I endorsed the check, then immediately sent it to them for them to endorse then send to the body shop. ONLY PROBLEM IS THEY NEVER SENT THE CLAIMS CHECK FOR THE REPAIRS ON MY VEHICLE TO THE BODY SHOP???

Worst company ever - I have had a loan through Santander. Through the year of paying this company I have had to extend the loan by 4 months. Little did I know that they would continue to accrue interest and charge me for the months that was extended. NO one ever handed me a contract or verbally told me this. I have been paying a year and my loan has not gone down. I would stay far away from this company. NO one should ever feel like they are throwing their money away. This company does not care about you and they never will. Save yourself the heartache and disappointment of feeling used by a company that will never help you.

I was never able to fully open the account. When I called to activate the card, I had to verify all of my information, but then was transferred to fraud department, who said I had to physically visit a branch to show an ID - this would be a 10-hour trip for me. When I spoke to a supervisor, the same story was told. Chase/Amex/Citi has never required this of me. This is clearly a scheme to prevent the use of their 0% balance transfer offer for which I was approved. They placed a HARD INQUIRY on me that will stay for 25 months, and I will never be able to use this card. I see other reviews online that state the same problem.

I purchased a car in 2014 and it was totaled out 2016 due to flood. I found out that all the money I have been paying was going towards interest and not the principal balance. They gave me excuses and couldn't give me any direct answers as to why I had a high balance left over.

I was looking to pay off my auto loan of just over $4000. When I called I was told that I could only pay $2000 a day because it is done through a 3rd party. Ok. Fine. The catch was that I would be charged a convenience fee for the 3 payments I would have to be making. Two payments for $2000 each and one payment for $44. I made the first payment and they were nice enough to waive the $10 fee. I called to make the second payment and I am told they can only waive the fee once during the life of the loan.

I went to trade my car yesterday at Henderson Chevrolet, and the only choice of a car was a 2017. I kept insisting that I could not afford this car. I am a disabled veteran, as well as a college student that is in great need of a reliable car. I am also on the HUD VASH program for homeless veterans. They kept me so busy in this car buying process I did not have time to call anyone, and I tried to leave at one point, but they had taken my car keys. I have tried to return the car, and I was told by the salesman, the finance guy, and Santander Consumer that I could not do this, even though I had only drove home with this car.

I had reported my bank card lost and stolen on Friday the 13th. The lady I spoke to was great help. I leave my card in the ATM Friday after making a deposit. Of course I do that on a holiday weekend. My 6 year old son is sick with the flu so yesterday used a check to buy medicine after hospital trip. Today when I go to use my check again at stop and shop it was denied. I called the number and faced the reference number. They said was denied because I have no history of using checks, which was good in a way. Figure I will press 1 talk to customer service. First off couldn't understand a word she was saying. I updated my info and thought she was telling because insufficient funds, finally after saying 3 times "can't be. I have plenty of money" I heard her say history.

First of all, I did not know Chrysler Capital treats its military veterans like crap. I bought a 2010 Chevy Malibu at $22000.00 because a friend said it was worth it. I was making all my regular payments until I had a 2 1/2 ton truck roll over my legs and I could not perform my job duties. I fell on hard times and applied for bankruptcy. Worse thing I ever did. For 6 months I was on /off from work so bankruptcy had to end. As soon as the bankruptcy ended they repo the car because they wanted me to pay almost $3000.in two weeks.

I have a debit card that I use regularly. I had to dispute a charge from a company because the item I ordered online was not received. My first and only dispute on my debit card in the 7 years I have been using it. My claim was denied (like a $50 purchase)... No doubt if I had used my Capital One or Chase freedom card... there would have been no problem... I'm changing banks. Bye Sovereign Santander and whatever you will be next Monday.

I was placed in a position where I HAD to buy a pickup in August '14. I drove Ford, Chevy, GMC, and settled on the Ram because it was a LOT more truck for less money (still driving my '14 and still LOVING it). My credit was less than stellar (that's another story), but Chrysler Capital approved the loan. Since getting the loan, I've hit some "bumps in the road" financially. I have kept them informed of my (seemingly) frequently changing situation as it changes. I have experienced EVERY TIME that they have listened intently, understood, and have gone well above and beyond to assist me in every way possible. They have kept their word on EVERY occasion and have been an absolute JOY to deal with.

We decided to pay down our HELOC. We then received a notice stating the payment would be deducted. So I went into my branch and was told that was because the statement was for a time period outside of the time frame that I paid down the HELOC. Well, Santander then took out the payment. I called and was told that the payment was sitting in the overpayment bin and they would transfer it back in 1 to 3 business days. They stole my money. Now they get to use it for the time period that they stole it. I hope to speak to a regional manager tomorrow. If not satisfied then I hit the banking commission and pull money out to some other place.

I have never been so dissatisfied with a company enough to create an account with ConsumerAffairs and write a review but here I am. Chrysler Capital is the absolute worst place you can get an auto loan. There is no grace period with them at all. So say your payment is due Monday but you don't get paid until the following Thursday you will get charged $10 a day until it's paid. Also they will harass you every day you're late no matter how many times you explain why you haven't paid yet. They will not work with you. They will not change your due date. IF YOU'RE GOING TO GET A LOAN GO THROUGH A REPUTABLE BANK OR CREDIT UNION. Last month I traded in my truck and the payoff was sent to Chrysler Capital the 16th they are still calling me, harassing me, threatening my credit. Ridiculous company. I am dissatisfied. Disgusted. Boo Chrysler Capital and boo Larry H. Miller for using them.

This company is horrible. Purchased a vehicle on 7/20/16 and 10/10/10 we were hit from Hurricane Matthew. Called them and let them know that about the claim w/ insurance co and that flood water got into the engine and inside. Also have Gap Insurance. As soon as I was told that Progressive did in fact total it out, I called them and told them every 4-5 days I called my insurance co for updates and soon as I hung up with them, I called Santander to keep them informed.

To start off they have EXTREMELY HIGH interest rates, but because of the situation I was in at the time I needed a car immediately. I've never been late in my car note, never missed a payment but Anytime I call in to address an issue with my account balance, which is EVERY MONTH, most of the representatives are extremely rude even one of the Account managers I spoke with named Juan.

I purchased a 2008 Ford Fusion from my local dealership 29 months ago. My loan was through Santander. This is the worse company ever. My car was $9000. My interest for the 60 month loan was $8000 which made my total $17000. Within the 29 months I've only been late 5 times due to the loss of my job. This company would call on a daily basis over and over no matter how many people I talk to and explained my situation they still continued the call. A week ago my car got totaled and I called them to find out how much my payoff would be for my insurance company.

Me and my husband purchasable 2008 Dodge Charger in September of 2008. The original loan was with Chrysler Corp. Santander eventually took over the loan. In January of this year (2016), my husband stopped making payments on the car. He did not let me know this until March when we received a letter from Santander. I immediately got on the phone and called Santander what I needed to do. Over the next few days I talked to several of Santander's representatives. Each time I got a different response on what I needed to do. I was finally told they would send me paper to do a readjustment. I was told to send my payment via MoneyGram which cost me 10 to 15 dollars every month (the fee had gone up from when I started making my payments from April to November of 2016).

I have paid my car loan on time for over four years. With the exception of TWO payments, which I made deferments for with Santander. A deferment is not a late payment by very definition of the word. So fast forward, Santander waited about three years after the deferments were made to update my credit report with 60+ days late TWICE. This means the house my family and I were going to purchase is a no go due to how awful it affected my credit score. The first guy I spoke to said they won't remove it from my credit report. The second guy gave me completely opposite information, including a department that handles those issues. I keep sending letters but nobody ever replies and calling or chat doesn't help either. The information given is NEVER the same twice.

I had a car loan through this company that was paid off in 2012. We never received a lien release letter or clear title to this vehicle. They said they mailed one out but we never received it. Time went on and we forgot about the fact that the only title we had has a lien on it. When we tried to sell the car in 2016 we went to the DMV to get a clear title but they still had the one with the lien on it. Called Santander in to request another title and was told we have to go through a 3rd party vendor to handle lien release requests which costs extra money for them to contact Santander to get a release of lien letter. This is ridiculous... Don't ever get a loan from this company.

You will get robbed like no tomorrow... Santander is the worst banking scam out there if you get a car loan from them. They will tell you they did not get the payment and then some so they can ** you with the interest and charged you all the fees they can, they did that to me multiple times and they suck. I set up my bank with the bill-pay automatically making the payments every month and every other month they would say that they did not get the payment and they would increase my interest even though my bank gave me and Santander the proof that the payments were made but Santander would reject the payment on purpose so they can add the fees and ** me and you if you have a loan with them... STAY AWAY FROM SANTANDER CONSUMER USA.

I have 3 accounts with Santander Bank with over $100,000 balance with this bank. They have been charging me a $3.00 per month "paper statement" fee over the past few months without any notification of the fee. I called our local branch and was told the bank sent out a letter informing of the $3.00 fee. I called Santander's customer service line and they said they could do nothing to eliminate the $3.00 per month fee and would not refund the fee paid so far. I have an online account with this bank and do not need the paper statement and have since cancelled this service. However, I feel the nickel and diming of this bank is a clear message to me to look for another bank considering they would not refund the fee for the past few months. I'll find another bank as it's clean - that's what their customer service rep would like me to do. Been a customer for many years (over 50 years with this bank). Time to move on!

I have a leased vehicle through Chrysler Capital. I recently moved out of state and need to register a new license plate. In order to do that I need a power of attorney from my lien holder in order to do that. When I originally called, Chrysler said I would have it in 48 hours. I am now going on 21 days. After 3 more calls, they claim they are a big corporation and I need to be patient. This is a very routine procedure. They have no trouble collecting my new state's usage tax, even though I legally can't drive my vehicle. This is yet another factor as to why I will never own a Chrysler product again.

My account is due on the 25th of each month. The statement they mail me says dated the 5th of each month. It takes 8-12 days to hit my mail box. Which gives me only 8-10 days to get my payment to them before they start calling. For me it's even worst as I travel a lot and usually only check my mail on the weekend. So as you could only imagine it's always late and they are always calling. Every other company that sends me a bill it arrives 15-20 days before it's due. Isn't there a law against what they are doing. They just do it so they can charge you a late fee...

I financed my SUV with Santander. One of the first things I did was set up my online account, so I could regularly review my account and conveniently pay online. I stopped paying online because they charge about a $11 "convenience" fee. The only way to make a payment without paying a fee is by a check in the mail. Well, one day I went to login into my account, which I had previously no problem getting into, I could not access my account. I used the correct username and password. I tried the forgot password process. I never received an email for a new one.

This is the worst car loan experience ever had. The worst customer service. They are very sneaky and they will try their best to get as much money from you as they can. Horrible experience not recommend it.

This company is blood sucking money hungry. They will keep taking your money but want nothing to do with helping you. My original car loan was for $11,000.00. I have paid over $25,000 so far and they want nothing to do with helping to pay your debt down. They are not negotiable. They are an international company from Spain. How the American government allows this I have no idea. They will take and take as long as you allow it. Don't go with this company for a car loan. They will not work with you but will continue to suck your money, and will add on interest and late fees unrightfully. They are schemers. You have been warned.

I moved from Kentucky to Florida in March of 2013. I was going through a divorce and just wanted to start over. In my first month of living in Florida, I got into a wreck that totaled my car. I didn't have anyone to help me, and I needed a car quickly. I had a rental for a few days so I needed to find a new car fast. I found a car that I loved, a 2008 VW Eos. My credit wasn't great from my divorce and some bad decisions I made in college with credit cards. When the dealership mentioned Santander was the only company that would offer me a loan, I had to take it. I needed the car to get to work and I didn't have much of a choice. My interest rate was insanely high (16%) but I felt like I had no other options. My monthly payment was $320 a month, even though I put down several thousand from my totaled vehicle. I felt trapped. Santander never took care of me, I always felt like I was being penalized.

As executor with power of attorney for an elderly widow. The bank has denied the power of attorney. So, in order to handle her expenses, I shall take her in person to close her account. The bank has no concern for assisting a 94 year old lady who is wheelchair confined.

I bought a 08 Dodge Charger in February of 2014 financed through Santander. At the time I didn't know any better. These people or company shall I say are completely awful. They will blow your phone up if you're 1 day late constantly. I've been paying for almost 3 years on this vehicle, yes been late a few times because of health issues amongst other life situations. Balance is more now than it was when I purchased the pos. This company is unreal and unforgiving. Finally decided after all this time to just let them come get it whenever they get ready. They've hurt me worse than they ever helped. Please people stay away from them. PERIOD!!!

Due to bad credit after my divorce I was forced to use Santander for an auto loan. My credit has since come up and I was able to pay off my loan. When they were overpaid by $862 they conveniently applied the payout to two months future payment and refused to refund my money. They stated they only owe me a hundred and sixty something dollars. I asked for detailed accounting. It clearly shows where they applied in October and November payment even though the vehicle was paid off in September. But when I speak to them on the phone they claim this is not the case. Yet this is what I clearly show on paper that they themselves sent me.

I bought a used vehicle and bought the S-Guard extended warranty. I had to put my truck in the shop a few days ago and was going to use my extended warranty to cover the issues and found out they didn't want to cover anything. I pulled up and printed out the coverage I had bought and they backed out of paying for anything that should have been covered through them. I don't understand why I paid all this money for this warranty and they don't want to stand behind their product that they sell. How can they get away with doing business like that.

I am complaining about a call that I received from Ricky ** in the office of the president. I explained that I spoke with Elizabeth in the Reinstatement department regarding my vehicle Repossession on August 8, 2016. During the call Elizabeth advised that the repossesion fee of $405 would be minused on my next billing statement.

I totaled my car on October 8, 2016... been going back and forth with Geico and Chrysler Capital almost 2 weeks now. Bad enough it will take 7-10 business days for Chrysler Capital to receive the settlement check but I'm trying my hardest to pay off the loan so I can get another car. Today after the insurance company and myself talked with Chrysler Capital on October 13, 2016 trying to verify what is on the title so the power of attorney form can be signed correctly, 2 different people told us only our first and last name was on the title.

I have dealt with many different banks but I must say this bank is a joke. Sadly, I have to say that this bank offers nothing but unprofessional, impolite and the worst service that anyone one can get. I have visited this bank for the past 3 months and I had an incident that took place today. A teller named Catherine who seemed to be an ** background with the worst attitude helped me deposit my money. She didn't only have the weakest personality but was uncivilized to treat her customers. She confirmed my deposits and after I had asked her to give me changes, she accused me of giving her a $100 counterfeit bill. I had clearly remembered that I had given the new $100 bill. She somehow swapped the bill indoor to put it in her pocket. The manager tried to escalate the situation but she didn't even have any knowledge of whether the bill was counterfeit or not.

So in Apr 2015, I traded in my 2014 4Dr Rubicon for a 2015 2Dr Hard Rock Edition. LOVE my Jeeps. Dealt with a great dealership, no issues there. They got me in the Jeep for a HUGE monthly payment, but I was told to email a copy of my active duty service commitment forms, and they would reduce my rate to 6% and drop my payments in half. So I call Chrysler Capital once my first payment is due. They tell me I have to have a set of Temp Duty orders or PCS orders in order to show them I'm active duty. And then tell me NOT to make a payment because once the orders go through, I won't have a payment for 60 days. So, I don't make a payment, sit and wait... and lo and behold, they don't reduce my rate, and come up with you have to have a set of deployment orders, and you have to have NOT be in the military before your contract... So I read their website, which specifically states PCS orders are an acceptable document for proof of active duty service.

Whoa! Is this legal? After reading the horror stories about the infamous Santander Consumer USA, I thought I would share mine. It is my sincere hope that this post helps one person to avoid potential destruction. I purchased my vehicle 11/2010 and the loan was set to mature October 15, 2016. Guess what? It will not. My car note is set to be paid off, 2018. Why? In the ignorance of making payments and blindly thinking that my payments were being applied to the principal; investigation reveals that I have paid $16,000 plus on the interest and $3200 has been applied to the principal. This is on a vehicle that was supposedly financed for $12,000.00. Oh, and let me add, that over $7,000 in repairs, a new transmission, everything under the hood has been replaced and all power window motors have been replaced.

I wish I too could give a lower star. The company is designed to ruin your credit, and make sure you never pay off the loan. I was in an accident, and they would credit checks weeks after receiving them, and not providing information so the process took longer, so they could tack on late fees and interest. They agreed to lower my payment, but has not complied with their own letter. 5 days after the payment is due, 7 days after a phone call pointing out I do not owe what their system says. Yesterday I received a letter that I am 45 days past due (I'm not). Instead of paying them (my only creditor that I was using to rebuild my credit), I think I will file bankruptcy, or move forward with disputing them any way I can. 2 years left of payments on a car I don't have (I did not cause the accident), and they are ruining my credit, so I cannot buy a house. I'm over them!

Santander car loan is a complete rip off. Please do not use them for anything. I got a car loan from them in 2008 on a Toyota Camry. It was a 2004 at the dealership. I was lead to believe the car was only going to be 21,000 so I agreed to the car loan. Got home to see that the loan was going to be actually 40,000 due to high interest and fees. Well anyway I made my payment of 500 dollars every month. After a year of making payments on time I start noticing that my balance was lower any. I called and they corrected the issue. So in 2011 I heard a tow truck pulling into my yard. It was the repo man... How I made my payments on time... According to Santander I didn't. I paid almost 700 dollar in fees to get my car back. Finally I paid off my loan in 2012 but I have never got my title. I call and they have no information on my account. Wtf. 2016 still no title. I just got a lawyer. This crazy! NEVER USE THIS LOAN COMPANY!

I regret that I financed my car thru this bank. I have paid a lump sum payment towards my principal back in August and here is September and they are not able to update my account and give me a direct answer. Yesterday I was told by a manager that my account would be up to date today. When I checked my balance on the phone this morning not only it did not reflect the money paid toward the principal but it also indicated my account is 32 days past due. Even though I paid a lump sum towards my principal I have still been making my payments thru electronic deductions from my checking account on time every month. I would not recommend Santander to anyone for financing their vehicles.

I availed a Balance Transfer with Santander Bank and paid 3.5 % processing fee. The Customer Care Executive affirmed that the period is for 24 months. But every month Santander charged interest for the Balance Transfer amount. I called them and they say that I do not qualify for the 24 months as I am a existing customer and it is only available for the new customers.

I had a boat loan for 7 years and WAS NEVER LATE ON A PAYMENT. I sent additional money ($500) each month and the bank refused to apply it to principal. Instead they applied it to future payment thereby costing me thousands of dollar over the term of the loan. Each time I call to request the money to be applied to principal, the customer service person was rude and would not help.

Santander Bank is the only banking institution in Pennsylvania that deals with a loan program called penncap. Penncap is a loan for people in Pennsylvania who can not get a conventional loan to start a business. I spent months working on a business plan with the intentions of obtaining the penncap loan. I had an embarrassing experience with Santander, so I complained to Ana Botin CEO the head of Santander in Madrid Spain to complain about this incident.

1st time car buyer taken advantage of by bank and dealer Felix Chevrolet in Los Angeles. Felix Chevrolet Los Angeles CA Gap insurance on contract never filed/reported. Ext warranty on contract never filed/reported. 1 month car insurance never reported. Apr was 25.97%. 16k car. After full pay off would've paid 41k. Dealer told me my car was salvage because it was a prior rental. But it was really salvage because it was stolen. Recovered after the alloted time frame. Santander Consumer Contract started Feb 2014. Repoed from my gate Friday August 2015 illegally and they had no reason to do it. I was making my payments but claimed no record. Got car back first on a Monday. Paid $1500. Possession were lost. Car was already headed to auction.

This is the second letter I write to the Office of Consumer Credit Commissioner. This letter serves as a follow-up to previous complaints about Santander Consumer USA Inc. (Santander), in reference the bank's negligent actions that has resulted harmful to my finances and my family. Today, I am informing you that my situation has worsened; now I no longer have my car, used to earn a living as a driver, have no credit and lost my job; additionally, will have to leave my house. As of today, since I no longer can afford to pay the rent; all these unfortunate events caused by Santander, and I have no idea what else can I do under this circumstances.

If there was a way to give less than one star I sure would. The company is quick to send nasty letters, sometimes even before the due date. The last payment, "pay-off", does not automatically get deducted from auto pay, but notice comes as a demand letter to settle a claim. Don't even think about calling and asking any questions, I've been on hold with them for approximately 3 hours, for 10 minutes of very rude conversations. After six months, I still have no title to my boat, so they sent me release of lien, and told me to take it to DMV to apply for new title... I told them to take their paper work and shove it, but they probably hear that day in day out, because she didn't even flinch. Stay away from them if possible.

To even talk to a customer service representative who didn't talk over you is almost impossible at this bank! The worst customer service ever! Regardless of who's right and who's wrong better customer service training is a must!

This company is a rip off! First off they financed a car and I was told the price was $23,000 and that is exactly what the car dealership showed me. After getting home and reading the contract, I am paying $40,000 for a car b/c of interest! If I would have known that, I never would have purchased the car. I lost my job not to long after getting the car and they would not even work with me. Even after I told them I got a job and could start making payments after I get paid on the new job they was not trying to hear that. They wanted a payment upfront and told me that the car was already out for repossession. At this point, I really don't care! They are so low down and dirty that I would rather have to straighten out my credit b/c of them then have to deal with them and this ridiculous price they want me to pay for this car. Run from this company and do not fool with them! They need to be investigated and I promise you they will owe a lot of people money!!

If I could choose no stars I would. We recently bought and sold a house and as is typical our mortgage lender (not Santander) needed information about our accounts including our Santander accounts. Every time my wife or myself went into this branch we were made to wait a long long time only to be told, "Oh we can't do that for you here." or "You will have to wait until you receive your statement in the mail".... many other answers but NEVER "Oh yes you are the customer and we get these requests all the time and we'll take care of it." NEVER. Always, No! "NO we cannot do that, not possible. You'll have to do it yourself." BLAH BLAH BLAH. AWFUL AWFUL. As soon as we can we will be closing our account with them and never EVER EVER doing business with them again.

This company are scammers! I recommend nobody does any business with Santander! I financed my car through them, and just today, I made my last payment. They will not release my title, even though they forced me to use a debit card ("because it's last payment, and it's paid automatically, as compared to check"). They harassed me from 7 am to 11 pm every month! If I made a payment today, they would ask when I would make next one.

So for the past year and a half I have been battling with Santander over my car payment. They keep telling me that I am behind but cannot send me a statement or any papers showing when and how I got behind. So for a year I had to call them to make my car payment over the phone which cost me $14.95 to do this. After a year of paying this fee I decided to mail the payment in to them. On each check was a bright sticky post-it with my name, phone number, DOB and last 4 of my SS# so that my payment got posted to the correct account. Along with all this info was also a request for a statement to be mailed to me.

I got a loan through Santander for a 2013 Chrysler. Last year I started having health issues and I was out of work on Short-Term disability. I did not have any income. I got behind. Long story short I asked what I needed to pay to get caught up. I paid over 1,500 and the very next day collection calls started again. I received the wrong information. I needed to pay more in order to catch up. I had already spent the money taking care of other bills. If given the right information I could have taken care of the delinquent balance. Getting the wrong information seems to be a trend with Santander. Fast Forward I was never able to catch up. I asked if they could refinance, defer a few payments so I could start fresh... nothing. I asked if I could drop off the car the representative said they didn't have a drop off location, that I would be notified about a pickup and I could meet the repo guy elsewhere other than my residence. That did not happen.

When I was approve for my 2013 Hyundai Accent I was happy up until 6-10-2016. I purchased an extended warranty from S-Guard for the amount of $1462.00 with terms of 36 months/50,000 miles. I was in a car wreck with this car and since then I have had a runaround. S-Guard is a sister of Santander meaning its under the same company. It's 8-5-2016 and I'm still getting the runaround about the refund from the extended warranty. They say one thing and tell me to the other back. Not only I'm getting the runaround I'm being charge $.76 per day interest on a car I dont have. Then I go looking for a car and its still showing I owe $10,065 when I only owe $1,749. But a payment is due on 9-6-2016. Santander need to be shut down and not able to do business in usa.

I fell behind on my auto loan because I fell and broke my back. When I got out of the hospital a few weeks ago I contacted Santander to make arrangements to get caught up. I am working with Raul. He told me if I made payment by August 10th they would not take legal action against me to repo my car. It is August 4th and I have banging on my front door at 9:00 pm and am being served papers for judgment against me to have my car repoed if I don't pay an additional 3 months worth of payments by the 29th along with their legal fees. I have a broken back, where am I supposed to pull $1800 from??? This company is the worst lender to work with. If I don't come up with the money they take my car and still expect me to pay for it. These people need to be shut down.

I purchased a car in 2012. The interest rate was very high but I was informed after one year of on time payment I could refinance through Santander. After the year was up Santander stated they do not do refinance. I purchased the car for 24,000 in 2012, it is 2016 and I still owe 18,000 on this car. Santander does not want to help me get out of this car. Any suggestions?

So today, July 25, 2016 around 12:30 at night, we get woken out our sleep by a tow truck taking our truck. We go outside to ask why, and he tells me it's being repo. I'm like "No it's not, it paid off and I've requested my titled. Who sent you?" He said "Santander." I tell him my truck is not financed through this company. I ask for the paperwork. He said it just has a work order with my information. I ask, "Can you email it to me?" He said he can't. I ask for a card for his towing company, he don't have one. So basically I don't know where our truck got towed to. I go online to log into my account. It won't let me, I do some research and come to find out my loan contract was giving to this company, without my knowing. It's 3:28 am and I'm waiting to call this Santander company. 5 years of truck payment @550.00, on time payment. This can't be happening.

Almost a month ago decided to make a cash deposit at a Santander Bank ATM. After Atm accepted my Atm bank card I chose the option for cash deposit. Noticed that after inserting cash into the ATM the screen mysteriously flashed an error on the screen. The machine took the money with no problem but failed to disperse a paper statement reflecting a deposit of $500.00 cash. I immediately requested another statement for a balance inquiry. I then noticed that $500.00 was not even shown as a deposit. Got home and opened a case for missing funds. Santander opened a case and was told that there were no overages in the ATM. I believe that their security department has not looked into it enough. This Bank is horrible.

Actual payments after 2 years showed interest payments all over the place with only 10 out of 24 payments below $200 interest applied. I actually paid in advance the second month to get ahead of the game, and the following 2 months they applied the entire amount of my payment to interest only, even though no payments late. Not once until Dec 2014 did I have a late payment when we decided this was bull.

Over 5-6 years has gone by when there was no choice but to Voluntarily Surrender their transportation. In 2008 after contacting them to 'surrender the vehicle' as it was beyond means to possess (Out of Work and a Student in College). It was accepted and picked up within 24 hrs. Santander had been a Finance Company. Rec'd auction information and what it gained (car -- 3000.00+). As of July 05, 2016 have been advised a Judgement was set in 2014 -- 6 years after the 'voluntary surrender'... The statute should have been relinquished. Can a person in 'dire straits' at that time be responsible when 6 years has passed??? There would be no end!!!

My fiance and I purchase a 2012 chevy malibu from Jessup chevy dealership and they gave us this unorganized company that the representative don't know if you made a payment or not on their computer screen. The only thing that they can read is "you're late on a payment." My due date on the car is on the 27th on each month and we had to change it to the 16th of each month because of the rent is due the beginning of the month so we had to change it to the 16th and you know Consumer USA went into my bank before the due date or hack into my bank account and they took money out my account without letting me know that left me $299 negative. I had to send them my bank statement to them and Consumer USA three times. I had to spend $13.00 dollars out of my pockets for them to see what they took out of my account and they said I'm 48 days late. So what's going on with this company robbing and stealing from hard working people.

Have been paying car note every two weeks to stay on top of it. Car has been repossessed twice showing I'm not making payments. They are asking for almost 6000 dollars. I explained to them that I have been making payments and they said, "But you have to bring all fees current." Not a happy camper. Nevertheless, I have lost my car. Need help fast. For 6000 dollars behind would so I never made a payment for almost a year. Please advise.

The worst company I have ever dealt with. I did skip a payment due to being off of work for spinal surgery. They took my car payment out which they weren't suppose to & caused me $400 in over the draft fees, they refuse to reimburse me. As soon as I am back to work I will be refinancing my loan and getting rid of this good-for-nothing company. DO NOT & I REPEAT DO NOT USE THIS COMPANY, YOU WILL REGRET IT.

I purchased a 2011 Jeep Patriot in July 2013. Three years later and my loan balance has only gone down 600.00. I have had nothing but trouble with these people and almost got my car repossessed a couple of weeks ago. They charge 10.85 a day if you are late. My payoff amount is almost 18,000, but yet my loan balance is just over 16,000. My original loan in July 2013 was 16,669.00. There is something very wrong with this picture.

Santander is the absolute worst! We were behind on payments and then made a large payment with our tax refund and got back on track. Then noticed the balance after having the car over 2 years never went down more than 50 dollars and we pay 425 a month. Every penny we pay is ALWAYS applied to interest only and it shows that on our statements. We tried to trade it in and because we STILL owe 16,000 on it no dealership will touch it. So in March we stopped making payments and told them to come get it because they weren't willing to restructure the loan or do anything to help us. And I felt like we were never going to pay it off and our 425 a month was basically to rent the vehicle.

What they are doing is stealing people money via the payments by applying the payment to only the interest and not applying anything to the principle. They hope that people won't notice. This is highly illegal. If you're in the same situation you should file a complaint with your local state attorneys office.

I had my car paid off through another bank in March. I was supposed to have received a refund check from my loan overage. It is now July still haven't received my money. I call Santander all the time, spoken to multiple people and no one can answer me as to why I haven't received my money. They've gave me multiple numbers to call which all lead to electronic services where I can't speak to a real person. Today they went as far as "transferring" me to another department and hanging up on me after 30 minutes of being on hold. Don't ever do business with them. I am now putting in a dispute with the Better Business Bureau. It wouldn't be so bad if I didn't need that money to pay bills.

Filed a report on their practice yesterday. BBB today called and they cannot get a hold of the repo company that has our vehicle.

I was financed through Santander for a 2008 Nissan Altima. The payments that I made didn't reduce the balance on the car. I got behind, therefore 12/13/2015 I received a call on Sunday morning from one of their reps. When I asked him not to call me on a Sunday he told me he didn't call me, a machine did and as long as I was behind he was going to continue to call me. I told him I was getting ready for church. He kept talking and as soon as I hung the phone up I told my daughter I think I'm having a stroke. My mouth started twisting to the right. When the paramedics got to my residence they immediately started working on me. The left side of my brain is dead, I couldn't walk, not talk, couldn't use my right side at all.

Unlike many people here, we actually paid our bills on time for 4+ years. We decided it was time to get a new vehicle and traded in the one we had financed through Santander. We purchased the vehicle on the 7th of May and the dealer (a large, reputable dealer, not some fly by night place) cut a check on the 8th for the payoff amount (they provide us and Santander copies of the check). As soon as the due date of the account passed, Santander started calling. 7-8 times per day. We were stumped. We no longer had the vehicle. We called Santander and told them that we had traded the vehicle in. Santander stated that we needed to have the dealer call them. We offered to give them the dealer’s number because we had already given the dealer a POA to take care of it and that is who they should be contacting regarding payment. They refused and claimed that they couldn't call out. ??? How are they calling us 20 times a day if they can't call out?

Storm in San Antonio Texas April 12, 2016 - was issued for repairs to vehicle. Instead of putting it in an acct for this purpose they applied to monthly payments & principal on 3 different occasions. Now I'm delinquent due to this occurrence and they want acct current and threatened repossession. Here is what's baffling the insurance check to fix damage? No I'm out of pocket doing the repairs. This company sucks and I'm getting my car refinanced. They are horrible, nobody at customer service knows what is going on... my solution they need to be fined for the illegal practices going on.

I have a 2010 Nissan Murano with this company for about 2 years. I have my bank account register to collect the payments every 15th of each month. They put me a charges for nonpayment on time. I talk to them today to tell them why and they only say "we gone to put a note" with no explanations why?? Please don't get finance with this company suck, and high interest rate, bad customer services, never got the right answer. I'm not recommended ever to nobody.

I had a terrible experience with a personal banker at the Warminster, PA branch Santander. I own a business and was looking to open an account that best fits my needs and I was directed to a personal banker named Tatyana. She had a difficult time even comprehending the needs of my business account and just kept repeating herself about a promotional account they were offering that came with a $100 beginning balance. I kindly explained to her that I could care less about the promotional account and was looking for something more conducive to a business. She then started going over the terms of other types of account, and it was then that I realized she was half illiterate!! She couldn't read or pronounce half of the terms and conditions that she was trying to convey to me.

I am a disabled worker. Fell on some hard times. Tried work with them sending double payments but can never seem to catch up but was always behind my loan. Amount borrowed was 17000 dollars. I already payed them 24000 dollars and still had 2 years left to go. Today 5/25/16 I surrendered the car. I feel that I have been a victim of their greed. Is there any law firm that is putting up class action suit against the company?

This company financed my vehicle for 6 years. Going into my third year, I had a financial situation which I got behind 3 months (but paying what little I could). I finally got the TOTAL AMOUNT to get my account current. Which the company confirmed was all I needed to pay. I sent the money (MoneyGram). The next 4 months my payments were on time, then I received a letter in the mail stating that I owe late fees that was not paid from the time I was behind. So I call the company and ask why I was charged late fee, when I asked what I owed to get current, why 4 months later? I was told that whoever I spoke with at the time I paid the full amount, did not give me the correct amount owed. I ask Santander to send me a print of my payment history and when this late fee really all started. From there on it became threats, harassments, and rude calls at my employment and at home.

This company is a RIPOFF. They take your money, fees on top of fees. They are rude and they lock people into these loans with HIGH interest rates. I've had my car a YEAR a it's a few dollars less from the PURCHASE price. RIPOFF.

I took out a loan with Santander back in 2014. I had ran into financial problems and decided to declare bankruptcy. I wanted to keep my car so I reaffirmed the loan debt. I signed the paperwork and my lawyer sent it to Santander. For a while I stopped receiving paper bills and my online access was disabled. So I couldn't pay the bill. I had missed a couple of payments so Santander sent me a collection notice in the mail stating that they were initiating repossession so I called their customer service hotline.

I purchased a 2014 Kia Optima and was financed through Chrysler Capital. Got behind on the payments that I couldn't afford because I am divorced parent with 2 children. They offered to put the late payments on the end of the loan. I accepted. Car was repossessed. Had to pay to get it back plus repo fees to Chrysler Capital and the business that towed it. Behind again. I ended up losing the car because it was repossessed again. Once it was repossessed, they wanted thousands to get it back. With the fees it was like I was starting over again on my payments. The car was auctioned. Now they are calling for the balance. Ripoff. They take advantage of low-income people!

I recently had major hail damage done to my car. My insurance needed to send it my loan holder which is Santander Consumer USA. I was misinformed about me sending my check to them and getting it right back. Now they want to hold it until October when all the body shops are willing to service my car. Never again will I go with this company. If it was only in my name I would give back the car.

I have been trying to get my title for my truck from this company. I have been told 5 different ways to give them their payment so I may get my title. I have been talking to them at least twice a day. They even told me to reverse the payment I had already made and has already gone through the banking system then send them a certified check. I was told to get an illegal letter from my bank that does not comply with FDIC practices. Of course my bank would not comply. Terrible customer service! Don't use this company!!!

Not only did they charge me outrageous interest, they lied and said if I made a partial payment it would apply as that, which it didn't. On my credit report it states that I missed 13 payments which is a total out and out lie. I called and said I lost my job and wanted them to reamortize my loan for small payments and they said I was past due for 13 payments. I had no idea how to fix this... Finally I had them come and get the car. Now I am getting bills for 3,000.00+ and that is also not true. I was behind 3 payments and wanted help. The loan should have been paid off at that time. Credit is ruined... Awful awful awful company.

Car loan. Santander blows. They're a scam. They cheat people.

I went to a car dealership to try to get another car. So as I sit there and discuss with the financial manager on the lenders that would take on the loan for the car. He came back and said that "We have a lender that will finance the vehicle". I told him, "Ok who is it". He replied "Santander Consumer and they wanted me to put $15,000 down payment to start the loan". Now you see I use to have a loan with Santander and I know how much of a crooks they. Why would a company like this tell someone to put a $15,000 down payment for a vehicle that is under $30,000?

I got a car loan with Santander 9 months ago. My car was recently in a total loss, and it took Santander 30 days to even acknowledge my insurance company (State Farm) was trying to contact them every day. When they finally decided to talk to them about received a check for my car it took them two weeks to process it!! When State Farm sent the check out the next day and in my claim tracking file it says the check was cashed two days later!! But Santander "didn't receive" it until two weeks after?? I don't think so!!

This bank and the dealer made a fraudulent fraud on my account. My fiance is the one that supposed to be the owner of the car since he was the one paying for it and I was the one that was going to use it. So when my car stop giving me problem I decided to try to trade it in for a new car etc. And I couldn't because a new dealer say that I need proof of income which was weird for me because they should have my fiance pay sub. I found out that the bank only put me as the owner of the car and they put I was making 3 thousand dollars a month and have good credit which is false info. My fiance gave his work info and etc but they didn't put him. They put me saying I make money and Santander approved it without me having no income and now they trying to only blame the dealer.

I paid my car loan off 2/1/2016 and it's 4/7/2016 and I have not received my refund for overpayment from them. I had a payment due 1/27/2016 and I made it because I didn't know when my payoff check would get there (I refinanced the loan). They got my payoff 2/1/2016. My account cycled on the 7th of every month yet they didn't supposedly issue my refund until 3/7/2016. That was more than 30 days later. I never got a check so I began calling. I have called so many times because they say they will open a case and it takes 3-5 days for management to respond.

I have created the online account with Chrysler Capital and have used it twice to pay my monthly vehicle payment. I have tried using it another 5 times in a row and the page would never load. This was on all of the devices and when I did a ping using cmd everything seemed fine. I was late a day because of this issue, nothing wrong with my server, ISP provider or anything on my end. The site https://chryslercapital.com/customers/make-a-payment would not load no matter what I did. When I called customer service and explained them the issue they told me they are not familiar with the issues and when I told them I can provide them with screen shots of the issues they had no way for me to send it to them, or at least that is what they say. I ended up paying the late fee for being late one day and the issue keeps happening. Their customer service is straight out of the ghetto and needs to be reported.

About 5 months ago I was bitten by a dog, and it caused me to miss work because of the pain and medical appointments I had to keep. Well three months went by and I lost my job. Couldn't find a job right away to take the place of that job, so I became late on my car payments and then on my pg&e got shut off. So I missed a payment in Jan. 2016, and made 1 in Feb. 2016. And on March 26 on or around that time, they came and towed my car away while I slept, and that I had nothing to worry about. Well they lied to me... Don't trust this car company for anything in the world. They get your money and come tow your car... They are snakes... Sincerely yours tired and confused.

Never do business with them again. Their customer services agents have very bad attitude like they own the company. They don't like working with you and they gets personal too. I hope they shut down for fraud. Laid those people off.

My brother banks with Santander in the UK. He recently tried to wire money to my account in Canada so that I could surprise my family by flying back to see them in July. After several attempts he received info from his bank saying that my bank had refused to process the transaction because of a discrepancy with the name on my account. I called my own bank who informed me there was no problem with the name my bother provided and that they had no record or knowledge of any money being wired to my account.

I called into Santander to see about viewing both my Traditional and Roth IRA Accounts. When I called into Customer Care, I was handed off to two different advisors, neither of whom knew how to make visible both my Traditional and Roth IRA Accounts online. After waiting for over a half hour on the phone I was told to call the Investments number instead. When I called the Investments number, I was finally put in touch with someone who knew how to make both accounts available to me online. I then asked if I could set up automatic contributions to both accounts to which I was emailed the incorrect form for. Terrible customer service with incredibly long wait times. Not pleased at all that I made the switch from Fidelity to Santander.

What a JOKE! I had $57.76 left on my account after insurance settled up. Called to make payment and they tell me they cannot accept payment over the phone even though their statements clearly say they will. It's not like I am using a credit card or have a large balance to pay or have ever had any issues making payments. I just want to pay this tiny amount and make them go away! There are no branches in my state either. So the only option is to mail a check. I work in collections and if a client called me to pay on their account my management would FIRE ME if I told them I could not take it over the phone! This company is insane. I am glad the car is totalled. I will never do business anywhere them try to finance thru this bank. Bad business practices. Now I will write my $57.76 personal check, put a stamp on it and let snail mail get it to them in a week or so even though they could have had their payment today! BUYER BEWARE!

Auto Loan was paid off 02/22/2016. Lien not removed within the allotted 10 day Texas State Law... Rude customer service, clueless Title Department, runarounds, fictitious tracking numbers, inconsistency with status of TITLE status. It is now 03/17/2016 and NO TITLE!! Google Santander Consumer USA, they have had numerous (in the thousands) of title release issues since before 2012.

Unfortunately, my mortgage was sold to this bank without my consent. I pay my mortgage every month without fail. I even pay extra on the principal every month. I have never been late past the grace period. My payment is due the 1st, but I have until the 16th to get it there without penalty. This month I mailed my check out on the 7th. Unlike, most of my monthly bills, they won't let you pay your bill online, you have to mail it or have it automatically withdrawn. Today, I get an automated phone call from the bank, naming me and my wife by name and requesting that I enter my SSN to verify who I was.

We took out a car loan in August 2007 of 18000.00. They didn't explain all those fees they add on your account even when it's on time. They add daily. They were very rude when you would inquire on the fees and keep saying "Well if you don't pay you will not get the title until you do." Well after 8 and a half years we still owed 5000 on that 18000 and paying 425.00 a month. When asked about where our title was they sent it to the wrong address and said if it was returned they would send it to us if not we would not get it. They were smart with me when I asked why they sent it to the wrong address that was changed over 2 years ago and our statements sure did come to the right address. They just said "There's nothing we can do" but when they keep adding all their fees they didn't have a problem finding the right address. This is a ripoff place and should have to repay every penny they stole from us and everyone else.

On January 11, 2016, I found out I was going to be out of work for a month due to a work related injury and it was going to be unpaid. On the 15th spoke to a lady named Audrey that was mentioning, "We are calling due to your account is 120 days past due..." I mentioned I called her and the reason was I had a work-related injury where the company isn't paying anything and I wanted to work out a payment arrangement. She advised, "I need to collect at least ____ by January 23rd." I advised, "I cannot guarantee that it will be in my account, but I will call if it is not." She advised ok and stated, "I will document everything down and just call if you have any difficulty. You qualify for a hardship February 1, 2016."

Santander Consumer Financed my vehicle in 2013. The loan first payment was scheduled for May 2013 for $299. In May and June of 2013, I sent in two separate payments of $300, totaling up to $600 per month through their IVR (interactive voice response system) which transfer you to Western Union, Speedpay services. After requesting for my payment history several times, I finally got one in November 2015. After review to discovered only $300 was applied to my account for both months.

Let me just start by saying this is the worst consumer lending agency ever! I have never dealt with more incompetent people in my life. On December 20, 2015 my son was killed in the vehicle that Santander financed. On December 20, 2015 my insurance company notified them of his death and the vehicle was a total loss and requested a payoff balance. On January 15, 2016 Santander posted the check for the payoff but unfortunately the check was made out to the wrong company. Santander never informed me that the check was returned and reported this against my credit as being past due. I was never given the opportunity to make a payment until the new check arrived.

This company should be shut down and the CEO arrested. No one speaks English when you call. They say they help you make payment arrangements and then do nothing. My loan feels like a bottomless pit that will never end. DON'T DEAL WITH THEM. I hope something bad happens to this company. They deserve it.

I sent in my monthly payment. I had forgot to put city and state on my envelope. So naturally my payment came back. This is understandable. To make sure they received it right away I mailed it priority. The Post Office said it was delivered, however Santander said if they have it it won't go through for another 4 days. Similar things have happened 2 other times. I really love my car but am tempted to have them come and take it back. I can easily get a loan from another dealer with about the same payment. Now I have to pay late fees.

My vehicle was repossessed on Monday February 29th. Prior to that I didn't get two months statements. No nothing. The car was messed up two weeks after getting it and no one wanted to do anything about it. When I called to find out what I could do to get the car back they said I needed to give them $840, that's not including the $450 towing fee to get it back. The car is gonna have transmission problems due to they towed it wrong. Please anyone considering doing business with this company don't cause they are extremely shady.

I took an auto loan with this company. There were fees on my account and I asked to have them waived several times and the response was always no. The reason, it is a policy. At that time I reviewed my signed contract and there was no such mention of these fees or that there was no way to reverse them. Again I chatted with the company, wanting everything in writing. I was informed that this was not listed in the signed contract. That it was just a company policy that clients are not aware of. I find this almost fraudulent as I am getting fees added to my account regarding something their consumers are not aware of.

To begin with, and unfortunately, our credit was not that good when we bought a car for my son. The car dealer used Santander Bank for the loan, and shame on us for signing it, but we got into a loan paying over $500 a month for a car loan and now, after 2 years of paying on time, have gone back to Santander and asked for a lower interest rate or a modification to lower the payments and were told, very harshly from the manager, "NO, we don't refinance loans. You'd have to go to another bank to do that." I would never go back to Santander and I hope this review helps someone else stay away from them.

I had a car loan through this company that was paid for in August 2012. I have never received a title to this vehicle. I called Santander in September 2012 to request another title and was told one was mailed. Again one was never received. It is now February 2016 and I still have not received a title to this vehicle. I contacted my county courthouse to apply for a lost title and was told that they still show a lien on the vehicle (which was paid off in 2012) so they must have a release of lien letter from Santander.

We had got a loan with santander because my boyfriend did not have any credit. We pay our payment every month on time, in fact early and even more than what we are supposed to pay. We have been trying to get the principal down so we can refinance to get a better rate. So this month I decide that I am going to send in an extra principal payment. Mind you that we have a 10.95 charge every time you make a payment and then I was told that you cannot make a principal payment over the phone that it needs to be sent in. So as a good customer I write my check out. I write my account # and put principal only on the check. I even write principal only on the slip and put it in the correct box on the stub. So when I go to check what my principal is, I see that they did not apply the funds to the principal. They posted it as a PAYMENT.

I had $209 and deposited $96 check that same day. Later on I made a payment online and they still charge me overdraft fee despite having $209 in my account.

I prepaid a 2-year lease with Chrysler Capital for a 2014 Dodge Ram. After I turned in the lease they sent me a bill for $417.36 for a disposition fee. I turned this vehicle back with only 14,000 miles. I have leased from Ford and GM before and had never been charged a fee at the end of my lease. I contacted Dodge and they said they would waive the fee if I bought another Dodge. I will never buy another Dodge again. I have been ripped off!

Credit was about 570, no repos, but TWO cars paid off in my past with only 2 semi-late months. Was still given a 20 percent rate on a 2009 Nissan Altima. Loaded except navigation. This was in 2013 so mind you it's a five year old car. I make payments on time. I see no movement and of course I see it's because it's paying off the interest rate. I desperately needed a car at the time 'cause I had a new job paying very well and didn't want transportation to be an issue. The dealer knew this and they screwed me.

I bought a 2015 Dodge Ram from Barnett Dodge. I was advised to use a Chrysler Capital promotion to save $400.00. Only stipulations were to stay there for 4 months. I paid off the loan after 6 months. I overpaid by $217.00. It has been over 2 months trying to get this money back. So far I have been told it was sent 3 times. Called again today and they said they sent me a Citibank visa card for the $217.00 nine days ago. Then put me on hold for 10 minutes and said manager advised him it was sent last week. I cannot get my money back from them and Chrysler has nothing to do with this place. No other place to call to recover my money.

Me and my wife have a joint account in Santander, and I recently opened a business account and I deposited a check written out to my wife. After about a week or two I realized my money never cleared. After calling and getting a runaround from department to department they finally told me my wife has to come into the bank and sign which she doesn't have time. All I need is them to transfer to our other account but their "policy" can't allow so I want to close the account but their "policy" doesn't allow so they'll charge me a monthly fee that only god knows how much cause that is their "policy". TERRIBLE EXPERIENCE.

I bought a 09 Chevy Cobalt in 2012. Paid $8,000 for the car. 24.9% interest. Asked for a payoff today, they tell me $13,683. I owe $12,713. How can the payoff be more than the loan? I would be lucky to get $2,000 for the car now. I am hoping I can find a different loan company to get a better interest rate. 24.9% is totally outrageous!!!

I came back to give 5 stars not to this company but to Amanda who contacted me, she was very understanding of my problem with the company and called me everyday too in order to resolve this issue which she actually did. She mailed my refund overnight and I'm very happy for people like her. As you can tell she is naturally genuine. Thanks again.

I purchased a used 2012 Hyundai Elantra for $11,999. I was also forced to purchase an extended warranty for $2500.00. I put down $6500.00 on the car. Total due was about $16,500. 2 years and 4 months later I still owe $16,500 unless I pay in full, then it's over $18,600. 24 payments of $461.97 were applied to interest only. Nothing went to principal. Add the $10.95 convenience fee they charge to make a payment no matter how you pay unless you mail it. Then they post it late, charge you late fees and charge you interest daily, not annually. There is no way this car will ever be paid off no matter what I do. The car got repo and it cost $1200 and 10 days to get back.

Info and MY account - Casey ** did not help me whatsoever to retrieve the information I needed. Instead she kept telling me she couldn't provide me with this info and her attitude was not needed. She was not helpful at all.

Jack who is no longer there kept insisting I buy an annuity called polaris. He said, "how would you like to receive a check every month and you can quit your second job." He said to take out my money from pnc and he wanted me to turn in my 401k. I foolishly did the first part but the dr. I work for would not let me sell the 401k, thank god. He wanted to know everything I had and of course I trusted him. I talked about the stocks I had at home with at&t and my mother's stock. He said he would go over them for me and see if there was any value. I brought them in and that was the end of that. He left the company and took everything with him.

They've stolen my money twice ($2,800) and cancelled my credit card twice without explanation or apology. On December 2015, Santander deducted $605 from my bank account without prior notification. After discovering this online, I immediately called the number associated with customer service. They provided me no information and said that the office was closed. (It was a Saturday.) I then called the following Monday. Customer service could not "reach" adjustment services to determine why the money was deducted. There is "no way" for customer service to leave a message, they said. I called on Monday and I was informed that a prior check that I'd deposited had already been deposited in another account. This made no sense. They said, basically that that was now my problem and I needed to resolve the issue with the "maker of the check." I did. It was a mistake on the part of the maker's bank. The money was returned.

We were in a car accident in April 2014. The woman who hit us from behind totaled our car. We didn't even have the car for a year, she was at fault. Was issued a ticket and we have the police report and the info on where her insurance company paid most of the car payment off. We had to pay 749.00 dollars on the car. We were told by Santander if we sent it in before a certain time it would not go on my husband's credit report. We hurried borrowed the money to pay it off and THEY STILL PUT IT ON HIS CREDIT REPORT!!! Went to the BBB. Santander responded back with a excuse they had nothing to do with it which is a lie. They were the ones who told us all this. Do not deal with this company. They will screw you over!!! I want it taken off his report. It's not fair. We did what they said and they lied!!!

Bought a car financed through Santander. From the onset PROBLEMS. Went online to pay. Had to register. System could not find me because they had the SSN wrong, birth date wrong, and email address was missing the last letter. These remained wrong for months, even after numerous phone calls to get it corrected. Every unprofessional customer service person assured me that this time it would be corrected.

I purchased a lease vehicle from a private owner who was turning in their lease and had their loan through Chrysler Capital. This was in October. My credit union paid Chrysler Capital in full which included money for taxes that should have been paid to Michigan. I live in Ohio. I took the remaining tax money owed to Ohio Title Bureau to get my title. They said all tax money should have been remitted in Ohio. I cannot get anyone at Chrysler to help me recover the tax money they received from my credit union so I can pay the tax. I cannot get a receipt that the Michigan tax was even paid. No one will help me. Chrysler Capital will not work with my credit union either. I have a brand new truck sitting in my driveway that I cannot get plates or insurance for because of not having the title. I need HELP!

I bought a new Kia last year, and my note was immediately sold to Santander Consumer USA. Kia North America had my information wrong to begin with, wrong last name (prior prior marriage), and when I called Kia to set up auto draft payments, it took them hours to find where my loan went. Santander had also (strangely enough) complete wrong information about me, so they did not deduct my first payment. When I called, they got it corrected, and informed me that I could only change my payment date once, to when I replied that I never had a payment date to begin with.

I am a bartender and I recently went to deposit my tips for the week. The teller suspected that a $100 bill was counterfeit. She instructed me that she was mailing it in for further investigation. At the restaurant where I work, we use a pen that is supposed to turn black, but apparently the bills need to pass a light test now. I asked if they could provide me with something to give to my employer. They gave me a photocopy of the bill.

I needed to open my business account and I heard about the new promotion. I told the Branch manager that I wanted to open a simple small business account with no minimum required in the account. He opened both business and personal account, mind it I found out after a month that I don't have a checking account and the promotion stated that I need to have one. On top of that I never got my business account checks and debit card. Then couple of times my online banking was an issue and I couldn't use my account. They also had to open a new saving with checking account for the second time. There is something not ethical about this bank and I seriously feel that Santander needs to take this action because this is fraud when customers are mislead.

I had someone to repo my car today for them. I have made my payments and even called them if I was going to be late. I get paid bi-weekly and they know it. Now I can't find my car to get my personal belongings. The repo guy told me I was not getting my debit card, purse or ID out of the car. I bought a 2015 Chevy Sonic from a car dealership Barnes Crossing Auto Sales in Tupelo, MS in July of 2015. Now after telling me I had a warranty up to 60,000 miles and the bank/dealership paid my insurance up for a year, I found out today it was a lie.

I took my loan when my credit was in the high 400. I sign on it on the promise that in about a year my credit would go higher and my payments would go lower. 4 years later after numerous intents nothing has been done. Still paying high rates. Paying interests over interests. The cost of the car was $16,000 and so far I paid near $20,000 and still owe $12,000.

My first loan wasn't too bad. However, this second loan has been a nightmare. I purchased a 2010 Mini Cooper for another one of my sons as I had co-signed for the first loan as well. On Dec. 11, 2015, I was informed via text that the car had been impounded due to son's license suspended. I contacted Santander informing them of the situation, giving location of car and that I was doing a willful repo. I explained I was removing insurance and tags so Santander could go pick up the car at will from impound lot at which Santander employee confirmed and told me "OK fine".

I've had a car loan thru them since 2013. The first few months went smooth or so I thought. Initially I was told there was a 10 day grace period before late fees occurred. Pending what day of the week due date vs pay day was may be a day or two into grace period. Told it by email in advance that would be the case. Advised that was fine. However after a few months of additional charges saw late fees added. I called customer service and they informed me 13 dollars a day is assessed after date payment was due. I was also told when I initially getting loan I could refinance later once 6 months was paid on time. When I tried to refinance was told they don't refinance and what you pay is what you pay. This car payment is more than my house payment and they are not willing to help in any way...

I got a loan from Santander USA about 3 years ago. The loan was around 14k then and is still the same today. These people are like countrywide mortgage. The CEO and the entire board must be punished!!!

I did a voluntary repo with this company and they told me they would be in contact with me soon so I would know how much I owe them. They never called me, never sent an email. Nothing. I tried to go online to my account only to find out I no longer have access. They are screwing up my credit because they are liars! I only rated it a 5 star so that it would be more popularly seen. Do not use them. THEY ARE AN AWFUL COMPANY WITH OUTRAGEOUS INTEREST RATES!

I am wondering if anyone else received a credit card offer for the Santander Sphere card which stated that new customers will be rewarded $300 after spending $1000 on their new card, on eligible purchases, within 90 days of opening the new credit card account. I did, and then opened a card. After spending well over the required amount, I have received only a number of points, which cannot be used toward balance credit or toward a request for a cashable check. I feel duped. I would like to hear from other consumers who may have had a similar experience with this bank.

Horrible. My experience in branch as well as on the phone attempting to receive customer service have all been very unpleasant. Highly incompetent staff. I can see why they have such desperate promotions to pull in customers. They wouldn't get any customers any other way. Furthermore the promised promotion incentive was not honored, so I promptly closed the account. I recommend you stay away.

The finance company took two car payments from me at one time and made my account in the negative. Yes they returned the money but never return what they took from me which was an extra 200 dollars around the holidays... Scams.

On last week I was given a date to have my car payment in. My car was repossessed before this due date. I paid $800 for the car to be reinstated to me. I went to pick up my vehicle only 3 blocks away from where I live, and it had already been taken to the auction to be sold in Tampa, FL which is 4 hours away from me. So Santander has my money, but I do not have my car. I asked them to ship the car back up here to me, and they said only if I paid another car payment of $399 would they honor that request. Now it's the holidays and I can't go pick up my car until next week. I spoke with 5 different reps and they were all rude, heartless, and unprofessional. I've been crying for 5 days straight behind this company because they do not care about you or your hardships or illnesses.

When the ATM did not disperse money but did charge my account I called right away to file a complaint. Man assured me that when that happens after it gets counted it goes right back into my account but he will file a claim anyway. To make a long story short THEIR machine malfunctions and they are now telling me it takes TEN business days for my money to go back in. And to top it off there is no customer access to the person who handles that claim. A customer service representative who has nothing to do with the claim and only can tell me what is going on is the best they can do. There is no reason why it should take ten days to handle a situation where the incident is clearly on camera and the machine clearly shows the discrepancy. I will be closing the account I have had for 30 years. Service sucks.

There is no other way to explain these people. I had fell behind in August and when I mean fell behind I mean didn't make full payment but was still able to make partial. I had received a lump sum of money and made a big payment to Santander in September to cover payments for both months, all the while I did not know they were saying I had been behind over 50 days because I didn't make my full payment. November 6 rolls around. I find out that I am 80 something days late because I had still been making partial payments which now I know didn't matter. They were just taking the money.

First off the loan was a co-buy and they stiffed me at the dealership in Mckinney TEX on the owner by which my rates went from, for good credit was 2.99%, then they changed it at 18% Because of my daughter's credit. The other is I have complained several times to Santander that they are not charging 18%. And they assured me it's 18% annually. I can see now that is not true. The loan started at just under 21K and 32 months later after paying $456.00 each month it's now $16,360.00 for payoff when that's what it was 10 months ago.

I purchased a 2010 Suzuki Kizashi from CarMax in November of 2013. I have paid more than my monthly payment every month. Out of those payments of $450 a month since December of 2013 I have paid a sum of $7735.35 just in interest. Just $3000.00 in principal payments according to my payment history. But none of these numbers add up since my principal balance is still more than the price of the vehicle when I purchased it in November for the low price of $12,200. My current principal balance as of 11/8/15 is $12,640.76 with the payoff amount of $12,741.38.

I financed a used car with Santander. I bought from CarMax in Roseville, California in June of 2012. The terms of the loan were 60 months at 25% interest. My credit was poor and they were the only company that offered financing at the time so I took it. I ran into financial problems in 2013 due to losing my job and feel about 30 days behind on the payments. I recently looked at a statement from Santander and after making 22 payments totaling about $10,000.00, not a single penny was applied to the principle, it's straight interest when you are behind.

Tried over the course of a week to submit several payments to payoff my car... They apparently only allow maximum payments of 2000 and a most of 2 at a time. Not a terrible inconvenience, but that means they got another $4 from me due to interest... Then when trying to request a payoff amount... they still charge another 15 days of interest... so $45 for my account because of the shady deal. WTH? The customer service representatives seem to be incompetent. Honestly will never get another car loan through them again...

My vehicle was in an accident. My insurance company sent the payment to my lien holder, Santander Consumer USA. The auto body shop has submitted all the necessary documentation to my lien holder to release the payment. Santander thinks it is ok to take their sweet time on approving the work (they are out of state so all they have is documents, not the vehicle to inspect). I called and spoke to supervisor, Juan, who was very rude and seems to have no compassion for his customers that basically, there is a time frame to follow. I explained that the vehicle is already a week over from the original quote date and I need the vehicle tomorrow for work in order to not be fired. He again quoted the original time frame and said that is all he could do. I will be refinancing my loan for the sole purpose to get away from Santander!

Used an atm at Santander in West Windsor, NJ. The machine was a new model that Santander is using now. I did all the required steps and when it came to dispense the money the machine never let the money come out. It still had my card. I was about to call the atm number but it released my card and the screen said machine down and use atm elsewhere. After a few seconds the machine cleared and was ok. I went through the withdrawal again and it went smoothly. Got my receipt and was on my way. Couple days later I checked my records and Santander withdrew the amount twice. I filed a complaint and they assured me it would be settled.

Obtained a USED CAR LOAN from World Hyundai in Matteson. FOR ed and over insured vehicle. Santander representative lied, misrepresented that their $3500.00 paid up front premiums are MANDATORY on a vehicle that is still under original manufacturer warranty. I know that additional insurance and warranty are OPTIONAL. I should have recorded her lying and coercing me to sign docs and sued them all. Fortunately, I was able to trade the car in and pay them off, but they still insulted my intelligence by giving me a 1300 refund on a 4 yr contract that I only had for 8 months and never used. Cheats, liars.

I've had my car a few months and since the first payment I have had problems. I'm constantly being cheated out of my money, having my payment posted wherever they want, being hung up on constantly. My car was about $16,000 and I owed them 6,395.25. I paid them 500 asked that it goes towards the principal and I was told that I could have that done because I have to make 3 months of payments which was a lie. Second payment was 146.00 & 138.88 went towards the interest and 7.12 to principal and this is a on-going problem.

My husband and I bought a car with a loan from Santander in October of 2014. We paid on the loan religiously. In February of 2015, my husband's car was repossessed while he was at work. He called the company and explained the car was on the truck and wanted to know what it would take to keep the car. Santander said if we paid $250 we would get our car back. So we paid $250. Then they called my husband a liar, saying he never told them the car was already on the tow truck. They said it would take another $500. So we paid. Then they said it would take another $1000. So we paid again. By the time we got the payments through, the car had been towed, and the tow company was closed so we couldn't get our car back until after the weekend.

I went to my credit union to refinance my car that I bought at Car Max, and financed through Santander. The credit union representative was told that I needed to speak to my attorney, and that they were unable to speak to her and/or me. I was sent a letter from an attorney in 2013 about a class action suit being brought against Santander for their unethical practices etc. I did not opt out of this class action lawsuit, because I thought that I would be eligible for any money from the class action lawsuit. I think the name of the law firm was Sokolove Law. I tried to call the law firm and left messages, but no one ever returned my phone calls. After reading all the negative comments about this firm, I am in a quandary as to what to do. I feel that I have been duped by Santander Consumer, and need information about what to do.

So today around 3:30 I had a tow truck behind my car, so I opened the door to see what was going on, comes to find out without verbal or any written notice I ended up getting a repo. I then called the Santander to see what was going on. They are sitting here claiming I didn't pay my payments and that I need to come up with 1300 dollars to get my car back so I tried to explain to the place that it was my only car and everything and wouldn't you know they didn't care! I will never do anything with Santander Consumer USA EVER again!

I have been schemed to paying fees for their site malfunctions. I set my account on auto-pay back in April and took it off for July and went back on the site to re-instate in August and their site had been temporarily down (CSR words). I was then asked if I could or wanted to pay over the phone - I agreed and paid $10.95 to Western Union their money. The next month it was supposed to be back on but again did not draft and I was hit with a late fee but waived their Western Union fee due to the technical difficulties. They have these technical difficulties but do NOT have any technical support.

I purchased a 2007 Hyundai Electra from Car Max in 2010. The sales price of the car was 10500, and as of today. I still owe over 8000 dollars on my car. I did lose my job in 2011, and I had to do some deferments and that was the worst mistake ever!!! I paid on time for a year and half after I found a job, but not one cent went towards my principal. I have tried trading in and refinancing my car now that I have decent credit. I owe too much for them even to consider plus the car is only worth 1500 if that. It is still in good shape, but worth nothing. I don't know how this car will be paid off at maturity. I'm ready to just give it back, but I know that will make things worst. I have to just stick it out and pray that I am able to start paying more to get this paid off!! I'm never financing another car after this is over.

I see many complaints but no answers. Bought a used 2007 Escape for 15K in Jan 2010. Finance rate 19%. Making payments of 383 each month with a contract stating final payment is April 2016. I still owe 6600 on this. Wife did not reaffirm the car after her ch7 bk in March 2012. Still in my name. Now, I get no bills, no account access, no phone calls, no late fees and nothing going onto my credit reports since March 2012. I requested and received my payment history. It’s a fricking rip off. What can I do? Escape is best worth 2500 but owe 6600. I am in Michigan. Please advise.

I made the mistake of using this company to finance a 2007 Nissan Frontier a few months ago. I was not real happy with the interest rate but my credit was a little soggy. Due to some unexpected medical bills I fell behind this month so I called for help. These people think they are God and you are at their mercy. They would not try to reduce my rate, extend my term or work with me in any way. It would be better for them to work with me and help me get caught up rather than me deciding to let the truck get repossessed but they don't seem to get that concept.

My bank card recently expired on the month of expiration the card stopped working. So I called the bank and asked them to send me a new card and I also verified my address with the rep. I waited two weeks and still no card. I went to the local branch verified my address again and they reissued my card because it was sent to the wrong place. So I waited patiently, remind you! Santander does not do temporary debit cards. So you can imagine how frustrating it is not having access to your funds. Two weeks later I called the call center and they told me I had to wait a total of 10 business days and it should be there tomorrow. I still didn't receive my card, I went back to the bank because I still have yet to receive my card. The woman looked over the account at the branch and realized the idiots who placed my order for a new card, never updated my address. I'm livid at this point 4 weeks in and still no card.

My wife and I was reading all the comments on here and decided to take a look at our Santander contract and things are not adding up. I strongly advise anyone who have a financial loan contract with this company, to please review. It seems like we should be done paying for our car or just rounding up the last payment. What is going on. Do anybody know who we need to talk to or what we need to do for help? My wife said she did call and ask Santander for a copy of our contract last month and she is still waiting for it.

I OPENED A ACCOUNT FROM HOME DEPOT ON 6.6.15. I was unaware that Santander Consumer was the Financial company until I receive the 1st bill. Each payment I made they continue to charge me a $35.00 late charge and I have evidence that payment made before the due date, the 25th of each month.

In 2014 I got behind on 2 notes. The truck was not sent in for repossession. I had gotten caught back up on my notes then in March. Santander was so kind to report a charge off in May. Then in June Santander sent a request in to have it repossessed. Got that straighten out. As I had been making monthly notes more than what was required. At this time I still not know about the charge off. I just went to purchase a newer truck to find out about the charge off. Called Santander, talked with several employees. They are stating since there has been a charge off on my account that they CANNOT remove it. It will remain on my credit score until the vehicle is paid off in full. Thank you very much Santander for screwing my credit up for the next few years.

This company gets their revenue off of ripping customers off with high interest rates. My car was totaled this year for a 2008 Civic, with a payment of $435 per month since Dec 2011. When my insurance company consulted this company for a payoff, we were quoted $16000 for a car that had already $14000 paid on it. When purchasing the car, I was a college student with not much credit and this company took advantage of that.

I recently had a stroke which destroyed my memory and caused my payment to be late. I called and spoke to a very nice lady who was so accommodating in helping me find a way to catch up on my payments. She recommended the best way to handle bills without risking identity theft since I have been diagnosed with early onset dementia. Not once did she berate me or make me feel stupid. She put medical as the reason for delinquent payment so collections won't bother me. I am relieved that not all banks are greedy sharks.

What a mess already. I just purchased a new car and now found out that the dealer has financed it thru these idiots. I know the dealer has sent them all paperwork including my DL. But I have had to fax them another copy of my DL 3 times now. They still don't have my information right on my file. I have been unable to create an account to pay my first payment. I have called and called and they keep saying to wait 3 days. I just got the car and I am already thinking about going and trading it just to get away from these people.

I have brought my 2014 Chrysler 300 in Los Angeles CA. I failed to make my payments for 3 months. One day on February, I went downstairs of my apartment building and found out that my car was gone.... So I called to the Chrysler Capital to find out what's going on. First they asked me if I'm calling to make a payment then after I told them that the car has disappeared they told me that there was a repo on the car and it was put on the day before the car came out missing. Anyway, I ended up paying $2400 to get the car out.

Car loan 41 days late. Came to my door banging on Windows. Took pictures of my home. Was super rude to my daughter. I hate this Santander bank.

In 2012 I traded my 1999 for a 2011 Chevy Malibu through a local auto dealer who placed me with Capital One Auto Loans. In 2013 trying to save a few bucks I applied for a slightly cheaper interest rate (21% from 23% - yes I have bad credit thanks to a divorce). I signed on the dotted line like everyone else I am sure - I didn't read the fine print (in particular the 2 pages of super fine print entitled additional terms and conditions). All I saw was a few dollars saved - that was my first misconception with this outfit. Had Santander laid out their SIMPLE INTEREST crap (ie: the fact that they charge a per diem for every day late along with compounding interest on a daily basis, etc.) I would never have left Santander. But as a single mom who was trying to save a few dollars, well I was taken advantage of!

I’ve been a customer with Santander since 2010 that time was a sovereign bank. On September 14 someone stole my money from an ATM at PNC bank. I was checking my account online and saw it withdrawn twice. I call the bank. They cancel the card but next day they withdraw again. I called dispute it. They told me to wait 5-10 business days. On the 30th I called them back. They told me my dispute got denied because they think I'm the one who withdraw it. I show them the police report and everything they told me to reopen the dispute again. How can I trust you with my money? It's got stealing from your bank and you think I did it. If I did that why I went to the police? My father in-law have stroke and die in Filipin and you can't do anything about it? My mortgage it's late too. I'm done.

I make my payments on time and nothing is going to paying off car just crappy interest rate. Paid almost 2 years and have not even dented what I owe on car. I have a Toyota Corolla 2012 not a Audi. These guys suck... The money I throw at these leeches every month I could buy 2 cars by the time I am done.. And their customer service sucks. They keep giving me the bs principle speech. I have had a loan on a car with a company that's a lot smaller than these guys and got treated better and in two years my car would be half paid... Santander is a bunch of con artists.

Because I'm involved in a class action suit (that's been going on more than a year) in which Santander has delayed a settlement, I can't access my account which I know is current. For more than 18 mos, I have been paying an additional $25.00 per month. However, they continue to send demand notices that they are accelerating my loan for immediate payment or repossession of my truck. Recently, they posted to the credit bureaus that my loan is delinquent by $5,000.00 +. I know this to be false information as by my records, I'm current. No one at Santander will talk to you. They tell you to talk to their legal dept. but no one answers the phone. The credit bureaus will not remove the negative information unless I submit a letter from Santander on their letterhead stating that my loan is current. How am I supposed to get that?

I paid off my car in 304 day on a 72 mo. loan. My last estimated payoff was $5,250.25 due by 10/23/2015. The principal balance on same account was $5,093.41. I paid $5,251.00 on 9/15/2015. When I call about the payment amount received, I was told I had a $15.25. It was not covered on the entire balance. That's right, $15.25. One of their agency stated the $15.25 would be remove. Santander always tell you of your right, but overlook then. That sent me an attempt to collect a debt. That right, they put me in collection. I would like to tell someone who may need this. My interest was $1.77 per day. They took out $4.40 per day. I'm working on that with the help of the courts.

I have set up automatic payments to avoid paying extra fees. Almost every month there is an excuse for them not withdrawing the money and adding late fees to my account. I also had an issue with an extra payment and had fight to have it applied to my principal. I do not have time to fight with them every month. I believe they want to frustrate you to obtain extra money and fees and keep your score low so they can continue to charge exorbitant interest fees. I really believe they need to be considered for a class action suit. I believe an investigation will reveal they have been robbing a lot of people that they feel do not have the means to defend themselves.

This Company is a ripoff. I have a 2010 Malibu and I have paid my payments on time. I lost my job, I asked that they defer my account. They hesitated but they did! So I made my payment. After years later I hurt my knee, had a miniscus tear. Called Santander for help, they gave me all kinds of hell telling me they would call me back, never did get in touch with their supervisor. Rude. After I tried several attempts to reach them, couldn't pay my car note, they don't want to help. They jack the car price up. This company I would not recommend to anyone. They have overcharged me. I paid them up and they still say I owe them.

My husband wrecked our car. Insurance paid gap insurance. Don't know why because what insurance paid should have covered but going back and looking over the payment history a lot of the payments made went straight to interest. Is that allowed??? Someone help me please.

I have so many complaints about this company but the worst would be FRAUD. I got into an accident and was told by them that I did not have to worry about the deductible and to go ahead and get the insurance check. I had to send it to them and now they are saying that I have to pay my deductible before they will pay out the 1100 that the insurance company gave them. Complained to the office of the president and they did nothing. The manager of the insurance department would not even give me the name of the person that told me all this to begin with. FRAUD, FRAUD, FRAUD.

I am writing to inform the public about the questionable business practices of Santander Consumer Loans. I currently have an auto loan with this company and I am paying extra on the principal of my loan to avoid excessive interest fees. For the last three months or so, I have paid extra. However, the extra payments were purposely applied to the monthly payments, therefore incurring interest fees instead of being applied directly to the principal of the loan. On 9/11/2015, I contacted their customer service department to inform them of the issue that I was having and also made another extra payment, but the extra payment was not entirely applied to the principal. So, I contacted them again in 9/14/2015 to address the issue but it has still has not been resolved. Lastly, if anyone is considering applying for a loan with this company, PLEASE reconsider other options so you won't be subjected to this deceit that I am facing.

This was the second time I was giving a chance to this bank but this time they totally upset me and lost. When I was depositing 950 dollar on ATM gave a transaction error and it didn't give any receipt and neither money. Immediately I called the bank and they gave us 1 week to solve and if it does not get solved they promise to put money on the account. After a week we got no calls and no money.

I'm with Santander USA for almost 2 years now, went to get a car. Didn't know what I was doing, wanted to get a car on my own. Long story short, 18% interest total for car $18000 and change, almost 2 years later paying 422.00 + $10.00 to make my payment. $2000 has been paid toward the principal!!! Almost 2 years later!!! And I'm reading all these other horror stories! There has to be something we can do. Class action lawsuit, they're ripping us off. I will be paying $30000+ FOR A $15000 2011 Mazda. If anybody is doing a class action lawsuit or wants to start one please email me, let me know. I live in Florida. Something has to be done. They're ripping people OFF!!

For a year I have made my payments early. I moved early August and has taken me a month to find a job. I called Santander asking to defer my loan 1 or 2 months and was denied. I will be looking for a refinance from another company as soon as I start getting paid again. Heartless and unhelpful company.

I currently contacted Santander about a deferment on payment due to a family being in the hospital. I knew that we would not be able to make the payment and called ahead of the schedule due date. I was told the process would take a week and to call back. When I called back that day a decision still had not been made. I called the next week and it was declined. They couldn't give me answer other than it wasn't in my contract. I have worked with them and let them know if my payments was a few days late and was trying to stay in good standing. Now I am currently getting charged late charges and back to square one. I have also had trouble with making payments and sending it early and it doesn't appear until after the 10 days. I will not be using their services again.

Chrysler capital does not know how to treat their customers. They have terrible communication when it comes to asking questions about the contract and then continuously threaten to void the contract. I have never experienced worse customer service in my entire life. They are lucky I like the car because based if I knew how much of a nightmare the whole process was going to be I would have never bought this car.

I've had a perfect account for a year and a few months. I asked them to defer two payments for August and September. At that time I was told I was approved and that I had to wait for the paperwork to process. I asked for the extension because I needed to move unexpected. So come to find out after my account which is delinquent now was declined. I was never told so because I never received a letter or a phone call to a person who has never been late at anytime since my loan started. I asked for the extension because I wanted to keep my car in great standing. Now because of this I will get reported to the credit agencies because I don't have the money. I think this is absolutely ridiculous and as soon as I can I will be removing my loan. I'm in the process right now. I will never again use this car financing or will I ever recommend them to anyone.

My auto loan was with Citibank but Santander purchased Citi so now it is with them. Our Retail purchase agreement state that after 10 late they will charge $0 and 0% interest yet the day payment was due they charge a late fee of $18.65 and simple interest for every day late. This is a breach of contract. We have paid 78 payments on a 72 month loan because they say we owe $6,272.00 more because of late fees and interest ($0 and 0%). Please everyone report them to the Consumer Finance Protection Agency. Here is the link http://www.consumerfinance.gov/. They can help. The more people who complain to them the better for us consumers and the more action they will take. You are wasting time posting on sites like this for this company.

Their response asked me to call them. I sent a reply repeating my request to communicate by e-mail because I cannot communicate by telephone. They responded with password reset information. Today I sent another request to them to please post my check. If they do not post it by the end of the month, I will consider my debt to be paid in full.

Long, long story short... My mom has terrible credit. When I turned 20 (2013), my boyfriend convinced me to splurge and get the car I always wanted, an AUDI, which was to be leased for 3 years. So after that was said and done, my mom felt the need to get a new car as well. However, because of her credit situation, she went to a little tote the note dealer, and attempted financing the car of her decision in her name. The shady car place said her credit wasn't good enough to get approved. My mom was upset and she discussed alternative options with them while I waited outside. Next thing I know, there was drafted up paperwork in my name, with a forged job and income so that I could (on paper) look like I could afford two car notes and get approved and get my mom the car.

This company was just sued by the United States Government for illegal repos. They need to be sued again for ripping people off. My husband financed a car, made all 54 payments. His very last statement states 54 payments made. We have been fighting with them for 2 years now to get the title, they refuse to give it stating he owed another $1600. When asked why, their answers change every time. First it was deferment fees but he had a paper stating there were no deferment fees. So then it was late fees, his late fee was only $6.00 a month if he was late. Then they said it was interest. Now they are saying he missed 11 payments. He asked for it in writing where the money was owed and they refused. They charged it off at $1600.

Stay away from these people. They are heartless, horrible, greedy, despicable human beings. I don't know how they sleep at night! I bought a 2015 Fiat 500 from Fiat of Ontario. Chrysler Capital financed the car at 19% interest and charged me a $900 "bank fee." There were problems with the Fiat that could not be fixed so the dealership who also sells Jeeps told me to bring the car back and they would give me back everything I paid for it and put me in another car. This time, Chrysler Capital charged me a $1,200 "bank fee" and 21.5% interest. When I questioned the interest rate increase, CC told me that it is the dealership that "chooses" the rate. When I questioned the dealership, they showed me the form from CC that clearly showed the 21.5% percent interest rate, so CC lied to me.

Santander financed my vehicle. The car was only worth $16,000 & they actually thought I was going to pay them $34,000! Not only that my contract & monthly payment was totally different from what they had in their system. This company has a lot of crooked things going on & I'm going to get to the bottom of it!

Poor customer service. Called to get help and info on reducing my interest rate. I have good credit. My interest rate is 11.9%. They told me they would not refinance. Extremely rude person on the phone. Not skilled in financing at all. I will never go with this company again. Poor poor service.

So today on 8/18/15 I called into customer service for a charge on my account of $20.00. The rep advise me that in July of 2014 I had a late payment (a year later). Which I have never been late on my car note, I even overpay on my note. I ask "Why wasn't I notified?" She said "Well we sent a email & notice to your home." Which is a complete lie, I have every email Santander has ever sent me since 2013 when I got my car. Even the manager couldn't explain why wasn't I notified. SMH I am now looking into new lender with better rates. About time my car is paid off I would pay 21,000 for a 2009... Please look into Santander before you sign, plus who charges $10.00 to make online payments?

I called them to ask my current balance on my Auto Loan and it is still the same as when I purchased my car in 2013. Apparently, I am still paying the exorbitant interest of my loan. I need to go and find another auto loan company before I pay more than what my car is really worth.

I spoke with a representative this morning on 08/13/2015. Say if you pay in good 6 month, you can request a loan reduce. Well that was a lie. The woman tell me they don't do this. When I request how my car payment, I being with them seven month, made a payment arrange for the seven month which was paid as if today on 08/13/2015 next pay 323.52 on 08/25/15. The Customer service I spoke with told me apply with another companies if l want a lower price. Now why lie to your customers, knowing they wasn't going to help reduce your car loan.

I just want to say that this company has been a nightmare. Every Payment that I make towards my car goes directly to interest - none goes to the principal. I've made a Payment on my vehicle and still is the same amount as I bought it the first day. Santander USA needs to be investigated by someone to help customers like ourselves.

I purchased a car from Carmax and was financed through Santander. My car should be paid off 3/2016. I got into a car accident in 2012 and call to defer a payment because I knew that I would be out of work. At the time I was denied a deferment because I was not late on my payment. I explained that I did not want to go into default and that I was being proactive. I got nowhere. I fell behind a month but continued to make my payments after that month had passed. I have never gotten a phone call or letter regarding this missing payment. Now I have gotten a letter 3 years later saying that they are going to repossess my car for the missing payment. I said "Okay, can I make a payment arrangement since I have made on time payments since?" I was told no, that my car is up for repossession for the one payment. I was given 10 days.

In 2009, my husband and I financed a 2009 Scion xB through the Toyota Dealership in Desoto. The financial company sold our loan to Santander Consumer USA. After researching the company, we decided to do a voluntary surrender of the vehicle in 2010. After talking with Santander about surrendering the vehicle, they chose to wait 4+ months so they could pick it up as a repossession for nonpayment. Once the vehicle sold at auction, they started calling frequently harassing us about the remainder of the loan. Without further agreement and notice by mail preferably, Santander decided to file a Cancellation of Debt [Form 1099-C (2014)] which adds the remaining balance to my annual income for that year. This was received by mail yesterday (8/5/2015). This was done without prior approval or agreement on our part.

This unethical, unprofessional and socially irresponsible bank is "TRYING" to make me pay more money than what I agreed to on my EXECUTED contract. Reason being, they overpaid the shady dealership that they do business with too much money and because they do not have good management over their dealer relationships nor do they have efficient QC processes in place within their own financial department, THEY THINK that I am going to pay for THEIR HUGE ERROR! I DON'T THINK SO!!! They need to remember that I still have my contract safe AND SECURE locked up at my work desk, and I will DO "WHATEVER IT TAKES" TO PROTECT MYSELF & family from illegitimate occurrences!...CONSUMERS PLEASE!!!! BE AWARE!

I purchased my car through CarMax and the loan was sold to Santander. 2 years later, I owe more than I did the day that I purchased it. I financed for 10k. I now owe over 11k two years later and the car is worth 4k. I was unaware of gap insurance and knew nothing about cars at all. CarMax sold me a car for twice what it's worth then sold my loan to a company that I will owe for the rest of my life. I can't get out from underneath it. It seems that there are two common denominators here in the majority of the complaints, Carmax and Santander. They make a great team for putting those of us with lower credit scores into vehicles without informing us that we are selling our souls to do it.

In 2013 my husband and I purchased a 2008 Chevy financed with Santander. The payment was paid monthly in December 2014, we moved to Arizona and Santander for some reason screwed our loan completely. As to-date, our loan balance is still the same we financed the day we bought the vehicle. I would highly recommend people stay away from this financing company, unless you have money to pay double for your vehicle.

We purchased a brand new Kia Sorento in Aug. of 2006. The loan was financed by Citi Financial Auto for 25k at 7.99% interest for 72 months. In Oct. of 2010 the loan was sold to Santander at 10.99% and the payment date was changed. Due to the economy I was late with several payments, but always called them and have caught up. In June I was behind 1 month and they repossessed my car and I had to pay $1400 to recover it. Long story short, on a $25k car I have paid $41,729.00 to date and still have a balance owing of $4689.88. How can this be and can someone please help us. My wife and I are 76 years old.

Santander admitted that they use a 3rd party to pick up and post their mail. Santander tells their customers to pay their payments to a po box in Dallas Texas. Which is a USPS box@ 401 Dallas Ft Worth TurnPike Dallas Texas. I actually have mailed my payment from this po box, Santander has tried to convince me that it take 10 days to get their payment. Now I mail my payment by USPS mail confirmation and it lets me know when the mail is picked up and who signs for it. Santander cannot continue to lie.

This is by far one of the worst scamming Auto Finance companies there is. To start my credit was not that good when the dealer went to Santander Consumer USA for approval; my FICO at that time was 690, which I later found out was good. My payments were on time for over 3 years and I have always paid $60 over my monthly payment. The secondary market in which Santander operates is plagued with similar companies but Santander takes the icing on this. Just try calling their Customer Service line and find out how long it takes to get a live operator online or if you wanna make a payment over the telephone and you'll find out that you'll get charged extra for such dare.

Upon doing basic check cashing at the Santander location in which a check was drawn on this entity, I informed the new acct. rep I am a member, 25 year Patron of my Federal Credit union. The rep aggressively tried to persuade me to join. The fifth time I directly informed her of my decline to join she Insisted her branch had better services than my credit union and went as far as disputing my fondness of my personal banking institution. The 2nd visit to conduct another transaction from a check drawn at This Santander location it reoccurred again!!! This time she was rude and interfered with my mate and I discussion.

My husband and I purchased a car from Carmax and financed through Santander. We have purchased several cars from Carmax in the past, and the finance companies that they partner with offered loans that were all above board. They were all honest and forthwith. I can't say the same for Santander. Since acquiring the car we have made payments of 1000.00 per month that is above monthly payment due. Santander has applied the interest rate to the 1000.00 based upon a monthly rate accrued daily. Due to the amount paid over the agreed to payment they deduct it towards interest on the loan and not principal. Now they are expecting a payment near twice the agreed to monthly payment.

This company will call you twenty times a day if you are a day late. I will never do business with this company. I hope no one will ever go through what Santander put me through. It was a living nightmare.