Santander Consumer USA Reviews

I don't know where to begin because I've had problems with this company since my loan began! To make this short, the people who work for Santander are incompetent. On several occasions they've taken money from my account that I didn't authorize and it's hell trying to get the money back into my account! Please think twice before getting a loan from this company!

They have been giving me the run around, making me jump through hoops and basically doing the same exact things that B.O.A. did several years ago before they took my home. I have had enough of this type of theft from the public. If you have had similar dealings with this financial institution then visit the Facebook group- **. We have got to join together and stop this bank and protect ourselves. Divided we fall. United we stand!

I purchased a 2005 Chevrolet Equinox financed with Drive Financial in 2007 - the amount was 15,000. Shortly after attaining the vehicle, I learned that Drive Financial switch over to Santander Consumer. I paid on this vehicle for more than two years to never see the original finance amount drop at all. In 2009 my vehicle was stolen and the insurance company settled with Santander to pay off the vehicle. Well I show a charge off on my credit history report for a charge off from Santander with no dollar amount. I have tried to dispute this negative report several times to no avail. I know there are several customers with very bad experiences from Santander. Something has to be done about this company. They are robbing us blind. I am ready for the class action against Santander.

I was told that I had to make extra payments and request that the extra money I sent in be applied to the principal only. So you must request that any extra you send in be applied to the principal amount only or you will be paying interest for years.

I was scheduled for an appraisal appointment on Friday 07/17/2015 and was told the appraisal was canceled. I called the customer service and they told me they are working on it for last 4 days, still have no answer. They have no idea how to handle this simplest thing. Every time I called, the answer is they are escalating the issue, but never have any answer. I'll NEVER use or recommend anyone to apply the loan there. My loan was approval with conditional since March 2015 and we haven't closed it. VERY DISAPPOINTED THE WAY THEY HANDLE THEIR BUSINESS!!!

Santandar Consumer USA Is a rip off company. I paid my car off and now they are trying to say that I owe more money and they won't release my title until I pay another $191.00. This company is bad news. I hate this company! Please if you hear of this company - run. They are not fair. They will steal your money. All I want is my title and I want done with company and I don't ever want to deal with them ever again!!!!!

I know several people personally that have financed a car with Santander and when it got close to paying off this debt they tried to find a way to repo. Lucky for them they were able to just pay the car off in full. I was not so lucky, my contract was sold to Santander when the company I was with closed. I went thru a divorce and the other company rewrote my contract to $550.00 a month but when Santander took over they insisted on the old amount. I tried to explain to them that as a single parent $550.00 was all I could afford and that was why it was rewritten by the other company. They took my car. DO NOT DEAL WITH THIS COMPANY. YOU WILL REGRET IT. I continue to pass this on to others and have changed several people's mind about dealing with them. RESEARCH AND BELIEVE THE STORIES. THEY ARE TRUE.

In 2010 I purchased a 2009 Hyundai Sonata from Elk Grove Auto with $5000 down, car total $18,000, with a pay off date of October 2015. Well I didn't have any credit so Santander financed car. I have made EVERY payment of $410 + $10 for over the phone EVERY month on time up 'til July 2015, even made payment when husband died in 2014. So far I have paid $28,000 on car. I had an illness come up. Mind you, now I have several companies offering to finance me a car at minimum of $35,000 because my FICO SCORE is now 760.

Just like many other complaints, helped daughter purchase a used car from Ourisman Chevrolet. And Santander picked up the loan. And the car was only worth $20,000 after taxes and tags. But Santander added another $17,000 in interest on top of the interest already included in the monthly payment. Santander added that amount on after the contract was signed, and neither the dealer nor Santander disclosed this information to me or my daughter. I am truly outraged that a company that is originally in Spain, can set up in America and run their SCAM for loans on the American people. Really PISSED!!!! The Justice Department made them pay out 9.3 million dollars to other consumers who complained. But what about the rest of us who wants out of their loan, and paid back their money from these fraudulent company.

Granted they gave me an auto loan when no one else would touch me due to bad credit, but I have been an excellent customer for over a year and a half. Made every one of my payments on time, usually early, and often more than required. I requested a deferment as I was in the process of moving and needed to free up as much money as I possibly could. I asked for the deferment 2 weeks prior to when my payment was due. I was told to wait 10 days for a decision. When I called, I was told I was denied because I wasn't considered in a hardship because my payment wasn't even due yet. That's the stupidest thing I've ever heard!!! Wouldn't a company be appreciative of advanced notice that a payment wouldn't be possible and to do whatever is possible to keep a good customer for floundering???

I am starting a class action lawsuit with them. They keep telling me different stories. I am in the process of refinancing my car and they keep adding on fees. Something have to be done about them.

SANTANDER just picked up my toy hauler saying I was behind 67 days. They put out a repo order 12 days ago yet never called or sent ANY info stating setting was wrong. I filed a bankruptcy 7 years ago but carried thru it and always paid. They agreed to let us keep it and just keep paying payments. I have done so, but now they say that we owed prior to the b.k. and NOW the systems recognize it and the SYSTEM generated a repo order? Oh how convenient, now adding $1250 to the bill for the repo instead of calling or sending a bill? They could easily have asked for the $472 which I would at ANY time in the LAST 6 years have paid in a moment, but NOOO... just show up and put it up for auction...AND sell it for WAY more than I currently owe.

I put my car payment in my mail box. Someone stole the check from the mailbox and somehow changed the payee to their name. It was VERY obvious. I checked my bank balance and it said the check had cleared. I received a call from a Santander rep telling me my payment was late. After some research with my bank I found out about the fraudulently cashed check. I told the rep when I called back what was going on and would do an online payment the next day.

Beware of this company! I purchased my car through CarMax. I always paid more than my loan. I was not working for awhile so I contacted them to work something out. They made me change my loan dating which made things worse. Mysteriously extra fees kept being added to my account. They repossessed my car and brought it out of state. They added BS fees to bring it back. I paid the fees to get it back. But the car was returned damaged and my items stolen.

I made my first payment on my new car to Chrysler Capital on July 4 online. My payment was not due until July 9. It is now a week later, and the payment still has not posted to my account. It currently shows a delinquent status. I called in twice this week about the issue. I was first told this happens on the 3rd & 4th of each months. Yesterday I was told that the IT department was working on resolving the issue. In the meantime, I have no clue where my money is. Western Union immediately processed my payment for over $370 but nobody can tell me what happened to my money after it taken out of my bank account.

Took advantage of my 18 yr old son. Well when he purchased the car from CarMax, CarMax sold it for 16998.00. He did not know he was paying the loan back in a whopping amount of 39755.52, which is double the amount of the car. They charged an interest rate of 25.99% that was too much for his first car at that age. Then CarMax or Santander did not verify to see if he really has a job or how he would be able to pay this amount of money back. They just took his down payment in the amount of 749.32. I have been paying the note each month in the amount of 552.00 for the past year and the loan amount is not going down. It's still the same amount when he first got the car.

No respect no concern no follow through. Im a dealer who paid off a loan on a trade in. Can not get the title. Santander is the worst or one of the worst lenders I've ever dealt with. I feel sorry for anyone who puts their trust and faith into this bank. I can say enough to warn people.

My comments are very accurate and very fair. My advice is never finance a vehicle with this company. Their customer service is terrible. Most important is the company's inability to get a statement out in the mail to be received before the payment is due!!! For the last 8 months the statement arrives four days before the due date!! So for 8 months we send the payment in via mail without a statement attached and write a note for what it is for. Totally unacceptable and am happy to say we will never finance with Chrysler Capital again. Terrible company.

I sent in a payment on 7/2/2015. I noticed that the payment never hit my account and I called them yesterday and they said to wait until today 7/7/15 to see if it hits as they were closed on 7/3-7/5. I have sent them all necessary documents and they said that they would have to research where the money is and that could take 72 hours to find out where the money is. In the meantime they have my money and I am furious. Don't ever use them. I can't wait to get out of my loan.

I purchased a car through CarMax back in Sept 2009 and have paid monthly on it since this month and year. Until this month July 2015 my principal balance is still the same from 2009. This is demolishing to my credit as I apply for new credit, the old credit is affecting me. Please advise!

I walked in yesterday (7/06/2015) to my local Santander branch (Elmhurst branch in Providence - Smith Street) intending to enquire my account transaction. When you enter, there is a security guard who just stands there leaning on the counter and seem lost in his own world. On the right are the offices with glass walls. There was an old lady sitting in one of the offices who looked up after some seconds and told me she will be with me shortly (she looked liked she was going through her handbag). There was another gentleman next to her office who was just sitting in his desk and seems to be working on the computer but looked up and went back to work.

I purchased a truck in September 2014. My fiancee co-signed the loan. Shortly after I suffered an eye injury causing my loss of work and to have delays on the payments. I have paid, even though a few days late, no more than 25, the full payment plus the late fees. Instead of applying the late fees to straighten out my account and keep current, they applied the "extra payment" to the principal on the account. Their reasoning is nuts. Then they can't explain why they do this accounting method, other than it's a "simple" interest loan. Personally I think they have a bunch of financial dropouts operating this company. When I get a statement from someone, that includes a regular amount due and a late fee, I pay the total amount and then expect them to apply it correctly to the breakdown shown on the statement. SCAM - doesn't do this.

Purchased a vehicle. Car was totaled out after 2 months and they refused to negotiate a cash value buyout for my vehicle and I have been waiting for almost 90. I still haven't received any refund and the car loan is still on my credit report as an open car loan, which is affecting me from being able to purchase me another vehicle, and they are hemming me. I'm gonna have to wait another 60 to 90 to have this car loan closed out and also to receive my refund from the money that is left over after all the fees are paid for the vehicle. There is no reason I should have to wait 6 months to receive my refund from Santander, which is the the finance company nor should I have to wait all this time before I am able to purchase another vehicle.

They said I apparently walked in the bank and requested a form to be opted in. I do not recall this. Now they can't even find the option in form that I apparently requested and signed. They charged me a bunch of overdraft fees. Manager is a totally floozy. Won't even call me back. Horrible customer service. Or can you even call it customer service?

I'm having the same problems with this company like all the other people are having. We purchased a pre-own 2011 Kia Sorento almost four years ago. My situation the same, it went well at first then about a year later we got into a bind and we got behind trying to keep up the payments. We tried to see if they could work with us, they did. But it turned into a freaking nightmare. They offered a modification for six months to lower our payments, but didn't tell us the interest and fees will continue. Never got back on track. So a few months later we got to have our payment put to the end of the loan and we did that three times and still the interest and fees racked up. So now it's like I haven't even made payments on the car. I still owe 16,000 on the car.

Paid off the amount and cannot get the title of ownership. Please help.

I bought a 2011 Chevy in 2009. They charged me way more than it was worth. I was making almost $400 a month payment. I got pregnant and lost my job due to it. I talked to a nice lady and she said we could apply for an extension for 2 months. I was told I was approved by my account was always "past due". Then one day I talked to an extremely rude man. He called me every name under the sun, called me 4 or 5 times in an hour and called my parents house for me. They're horrible and I wouldn't ever get a loan through them!

Purchased New 2014 Nissan Versa S in GA in 2013, interest rate 28% / $19,000 = $512.00 monthly for 5 yrs with no money down. Tried to do a trade-in, but was told the principal amt ($10k) is worth more than car ($9k); have to put down 1/2 of the principal = $5k. I've missed several payments because I am unemployed disabled Veteran, but they gave me several deferments to get ahead & I did. Therefore, I volunteered to turn in car because I can longer afford the payments while providing for my family. Please help!! This is a rip-off & they must be stopped.

I looked at my payment history and the company has been applying every payment I send into my interest and putting nothing on my principle. I need your help, someone please help me.

This company financed a 2013 Dodge Dart for some $21,000.00 and at the end of the contract the total amount paid for the vehicle @ 18% should be about $39.000 dollars. In any event my friend had an incident with her car and needed it painted she had the shop repair it and AAA insurance made the payment out to Chrysler Capital & her. She tried to stop payment the same day but the insurance company claims they could not. It was signed and, cashed by the finance department and she did not authorize them to. They said that they have power of attorney to. They still have not paid the repair shop though it is legit. They are alleged to have committed fraud and it is now being investigated! They allegedly told the body shop that they can release the vehicle as payment was in the mail, but it was not true.

So I was in a stuck situation and needed a car. Long story short my only option was getting a new car. Guess who would grant me a car loan? Santander. I was going over my account a few weeks ago and have seen that NOTHING has been applied to principal balance. As a matter of fact my payoff quote is for more than what I purchased the car for. So, I spoke with an online representative and asked - when are my payments going to be applied to principal and why hasn't anything been paid towards principal thus far. The person basically told me she has no clue and no way to get that information. So, my boyfriend and I are trying to get me out of this loan. I am going up the chain and hopefully will get somewhere. Wish me luck.

I purchased my Ford truck in Dec 2009 from CarMax & financed through Santander. I started having financial problems a few years afterward so they deferred a few payments. One year when I got my taxes, I sent in 3 payments but they claim they didn't get the 3rd payment - but my checking clearly showed the payment went to them. The main thing I am furious about is the truck was supposed to be financed for 15,000 but here it is, June 2015 and I still owe 15,000. I have heart problems had open heart surgery but this company here has stressed me to no end. I will never ever get out of this truck - no dealer will touch it because of the mileage & payoff. I'm at my wit's end, don't know where to turn. If you hear or see Santander, turn & walk away.

This company is a RIP off. I purchase a 2004 Mercedes 2012. I've made payments on time. My balance is higher than it was when I purchase the car. Please don't ever financial with this company.

I purchase a car 5 years ago for $20,000 and I have been so to my knowledge I am done with the car payments. The loan was only financed for a straight $20,000 and I have been paying my monthly payment of $500.00 plus I was given 8,000 for my car as a trade-in. Well Santander is NOTHING BUT A RIP OFF. They have double dip in my bank account and taken extra money from me which I didn't have and now I'm behind on my other house payments, they repossessed my car for about 6 hours or less and I had to give them 1200.00 to get it back, when I say that this company is no good I mean it they don't know how to talk to the customers. I have never in my life hate such a company as much as I hate this company.

Now that I am that the end of my payments this company said that I owe them a extra $2000 dollars because I paid early every month. I don't understand how they can do this.

Purchased car in 2012 owing 18,000 on it. Made monthly payments of 409 for year and half before total loss accident occurred. My insurance paid off almost 11,000 to them and they said I still owed over 6,000. They drop my payments to 217.00 a month and a year later I still owe the same. The car maturity is not until 2018 now. I need to get out of this loan but because I don't have the car anymore nobody will take the loan. Any help or ideas???

I was approved for a car loan through Santander. When I found a car I wanted, and I knew I could afford, which wasn't even new, they turned me down. Then I was told I had to pick a car within a certain year with less than 90,000 miles on it. So I did then they said I had to have more money down to buy a car! Worst experience I've ever had!!!! If you're not going to honor the person using your bank for a loan then why even approve them and then give the customer's hopes up?

My son needed a car so he stop at Auto Showcase to look around. The "so called" salesman talked him into buying a car. The salesman had him go thru Santander's for the financing. He showed NO proof of income (he had not worked in two (2) years). When he couldn't make the first payment (over $450), he call their customer service and after explaining that he still didn't have a job. He was told that as long as he sent them $190 each month until he found a job, they wouldn't repossess the car. After he sent them the second $190 as agreed; they took the car. If that's not taking advantage of young people that don't know any better; I don't know what is. I wonder how many other unsuspecting young people have they did that or worse to.

This company is horrible. They apply most if not all of my car payment to interest and when you call them they are very rude and unprofessional. I recommend that everyone that had a bad experience with this company write the better business bureau and the automotive consumer affairs and find a lawyer. They do not care about their customers.

I knew going in I was going to have to bite the bullet on interest and length of loan. The only way to beat them and Carmax was to pay the loan off early. I've had the car six months and have paid it down by 50 percent. It will be paid off in about 3 months, saving myself about 14,000 in interest. I don't trust them enough to mail in a payment so I make them online for 10.95 each payment (it adds up but I calculated it saves with the daily interest rate by knocking it down).

My husband and I bought a 2011 Impala about a year and a few months ago. I love my car and we have always made our payments on time and now I'm HIGHLY upset with these people... I talked to them yesterday on June 3, 2015 and my husband gets paid every Thursday so 2 weeks ago we made our payment for $260.00 thru the automated system and it posted like it was supposed to... I called them yesterday to find out why this week, and last week they have been trying to suck $370.00 out of my bank account. They told me they are not the ones trying to take this money out, (even though I already made a car payment less than 2 weeks ago) they said that we need to call our regular bank that has our checking acct and find out why they are trying to send this payment to Santander... That's **! Why would my bank take it upon themselves to pay Santander a payment on their own. That makes no sense at all.

My son who is serving in the US Army purchased a car from Chrysler Capital. The car was paid off in August 2014 over $27,000. In January we canceled the Service & GAP insurance w/ Fidelity Warranty. Fidelity Warranty sent the refund check to Chrysler Capital & on March 20th, Chrysler Capital cashed the check & was supposed to sent the refund within 30-45 days. They sent the check to the wrong address, when they clearly had the correct address because they sent the Payoff Letter to the correct address. I started my complaints with the service & handling of my son's account with Customer Service, spoke with the supervisor in the "Military Unit" who verified that the address was indeed correct. After 2 weeks of waiting for the check it was @ that time I learned that accounting sent the check to my son's old address.

I bought a used vehicle and got approved by Santander Consumer USA. I made 2 payments of $469.13 and my starting balance was $19,252. Well to my surprise, after 2 payments my balance is only $76 less. Out of almost $900 of payments I made, only decreased by $76. So I went on the website and created my account and to my surprise my first payment went straight to the interest and tacked on $304 interest. My next payment $76 was applied to the principal and the rest went towards interest plus $135 interest tacked on. I don't get it, it doesn't make any sense. This company is a rip off and I feel they are doing things illegally and taking advantage of consumers.

STAY AWAY FROM THIS COMPANY!! They say they will work with you but end up ruining your life and your credit for years!! No desperation for a loan is worth it. Knowing I lost my job and SAYS they will work with us. Making monthly payments on time for a year after being behind in a very hard situation, and now they all of a sudden want all of their money. I don't have the amount they want. They can take the vehicle and I will go ride a bicycle!

I have been with the company for a little over a year and have always had a less than pleasurable experience. My payments were always on time, technically, I was ahead by some months by paying twice a week (full loan payment and a half for the extra payment). Now to my surprise, with every single payment posted more than half was going towards interest and I was barely making a dent in the principal. Not a happy camper I am!!! I called in extra payments requesting they are towards the principal, to no avail. I feel like the company is stealing.

I purchased a vehicle through Carmax in May of 2013 & the auto loan is through Santander. Since signing on the dotted line it has been a complete nightmare. Since the purchase of my car, they have increased my APR without giving me notice. They have held my payment before they post it in order for my payment to show up as late on my credit report. They call you daily & numerous times a day even if you are current with your payments. That is what you call harassment. Then they will call you to let you know that your payment is late even when you are current. They will tell you they will email you confirmation of payments, or payment history, or phone calls which are ALL supposed to be recorded, & you never receive correspondence. I have had no luck with them & they are very rude.

Ok, so my wife and I decided to get her a newer vehicle. No problem. We go to the dealers, she finds her a truck she likes and we proceed with the loan process. Now we have had credit issues in the past, so now we don't take out loans. So we have a low score. Dealer says that Santander is the only one that will touch the loan. Ok, no problem. Or so I thought. First, if you pay your payment by a debit card, fee of 10 or 12 dollars. Didn't know that. So ok. We will just use a check. Guess what, if you call in a check number, fee of 12 dollars. So, I didn't know that. But the real kicker is when I received a phone call saying my account was 23 days overdue.

I wish I would've thought twice about getting another car payment!!! I love my car but Santander is not the way to go!!! When I pay my car payment it seems like nothing goes towards principal. This was the worst mistake I have ever made. I just pray that I can refinance through someone in 6 months because if I have to stick with these people for 6 years they can have this car back.

Stay far away from this company as possible they are nothing but crooks. I purchased a car from a dealership in the bay area and got stuck with this finance company because they bought my loan somehow. I paid 16,456 for my car and had a 72 month loan at 481 a month. I checked today to find out my payoff balance and was utterly surprised to find out my balance on my loan is 15,163. Cannot figure this out because I have make 61 payments which totals 29,341. I called the customer service department and get nothing but runaround. They are very rude and disrespectful on the phone. They have told me twice that the computers are frozen and can't answer ANY QUESTIONS.

I contacted someone from the Englishtown, NJ branch named ** who was supposed to remove an erroneous loan anniversary fee from my business acct on April 2nd. The issue went unresolved for a month and due to her lack of follow up has resulted in additional fees. I contacted corporate who told me to fax a letter to close my loan to avoid any future anniversary fees. When I did that they not only closed my loan but also my checking account. Again I tried to speak with ** and was told she was unavailable. I have subsequently closed all my accounts with this bank only to find out today that they are putting me into collection for the credit line fees. My only recourse as I was told by the 3rd operator I was transferred to was to go back to the branch.. Really???

I financed a 2013 Ford Focus SE. I was told my payments were 275/mo with interest. I get paid twice a month so I paid my car payment twice a month to get it paid of faster. I have NEVER missed a payment. I get a call from Santander saying I owe $700 so I paid it. Right after, I owed another $400. Still never missed a payment. They called last week and told me my car will be repossessed if I do not pay another $325. These people are nothing but scam artist and should pay these people back all the money they've been taking.

I had a car financed through Santander USA. I was not told that they were charging me a 100% interest on my car loan. The car was priced around $15,000.00. My balance after making a $1000.00 down payment was about $31,000.00. I didn't read my contract til I got my first statement and saw the outrageous balance. I kept the car for 7 1/2 years. It was repossessed twice with outrageous fees which kept running my balance up! After the second repossession I told them they could keep it. They are still charging me repossession fees, and other charges saying that I owe them over $4000.00. RIDICULOUS!

This company don't care about their customers. The only word you will ever hear from this company is no. I just got out of the hospital, call them to help me out after a major surgery. Customers services said "NO." Can I spoke to supervisor, "No." Management, "NO." Then place on hold till I hang up.

Santander Consumer USA delays the posting of payments from the mail. According to **, he indicated that payments from the mail are retrieved "when we go and pick it up is when we go and pick it up." This is a very lazy and unethical way of saying, "We will delay posting of payments so that we can charge you late fees and report delinquencies." If at all possible, find another way to finance your car. Usually their loans are several years, so inevitably, you will encounter a problem with them as well. Avoid them like the plague!!!

Car had issues with the motor which went out and when I called to get warranty assistance in replacing it I could not get any help. All quotes I was given were $8,000 or more and I only owed $10,000 on the car at the time. I contacted Santander to get payments deferred to the back of the loan and was told that they didn't offer deferments. I then called back and told them to pick the car up at which time the representative told me I could get payments deferred. This was a new program really 3 weeks later. I asked for three months to be deferred since I had now found someone to make the repairs for a better price. Motor was replaced and about a month later car was repoed stating that I was behind on my payments. I filed a complaint with the BBB and the response was that I never notified them that the car was inoperable. I only stated that I could not make my payments.

April 2015 payment was sent to the PO Box 961245, Fort Worth, TX 761611245 for $447.97 - sent 4-20-15, received and delivered 4-24-15, confirmation number from MidFirst Bank ** status: completed Bank: MidFirst Bank, AZ. As of today, May 10, 2015 this payment shows as not received by Santander. I have called them on 2 occasions, and given them the information and still... they have not posted the payment and shows I need to send a double payment this month. They claim it was sent to the wrong address in Fort Worth, TX. I used one of the addresses on the Santander Website. Even if I did send it to the wrong location, they have all of the bank information including the confirmation number showing it was accepted on April 24, 2015 and confirmed received by Santander.

I did not realize the extent of the setup at the time. I was a first time car buyer that shopped around to find the cheapest list price and that was Brewbaker Kia in Montgomery, Al. I had thought by doing so I could avoid being totally screwed into a bad deal, WRONG!!! I knew my credit score was moderate/high risk for a lender. I was told my credit was run through every bank they could think that would finance the 18,000 Brewbaker Kia. Intentionally ran my credit through two creditors. I started not to try due to previous garnishment.

I financed my Jeep Patriot through them in May 2014. By June 2014 I was already receiving calls, claiming that I was two months late. How can you be two months late on something that you haven't had a full month?? I then fought with them all year, them claiming that payments were never made, even though they're auto-drafted out of my direct account each month. Also had to make arrangements with my bank because they were hitting my checking account (unauthorized) weekly, for $400, and claimed they were past due payments.

I refinanced my vehicle to get a lower payment and interest rate. The check was sent in with over the amount to be paid which would have left a refund over 600 dollars that would have been sent to myself. They are refusing to send those funds instead they sent a check of 27 dollars. They are a rip off. I have the payoff amount from Santander which was 13,775.00 and my current lenders who I refinanced with sent a check in the amount of 14,435.33 within 48 hours via UPS.

My car loan was paid few years ago, but I want to write a complaint regarding this company due to what they had wrote about my credit. I am not sure how Santander claimed that I have not paid off their car loan or were "late", when HSBC sent me to Santander, all details were complied and payments were on time. In fact, if I pulled my file and related documents I can easily justify the accuracy on my part. I never missed a payment with them. I can easily justify with hard facts and payments history that I have, in fact, made 2x month payments. This really upsetting and extremely disappointing of your service and deception! Please correct and adjust any errors on your credit reporting! Your service is not recommended by many consumers.

Let's start off at the first month of joining them, when I applied for easy line of credit for overdraft protection. The bank rep COMPLETELY butchered my SSN, so I never even had it to begin with. I went to a different branch to fix it, they said I needed to wait two billing cycles for proof of address (even though I've lived there for about 6 months at the time and receive PAPER statements from them).

I am a victim of Santander over financing and fraudulent credit practices. I've had a loan for 2 years, have made all of my payments on a $17,000.00 over $9,000.00 and as of today April 27 2015, I owe $17,500.00.

2010 I went to Hollywood motors to purchase a car for my wife. I had $4700 down and I told them I that I didn't want to spent no more than another $6700. Salesman says no problem. I was approved for a 08 Ford fusion through Santander. 60 payments is all I was told with interest but if I refinanced it would be more like 52 payments. I was late on 3 payments so in 2014 I figured I'll just call and pay off the remaining balance. That should of been around $850 and was told no it was more like $9500 and what I had been paying was just interest for 4 years.

If there could be a ZERO rating, I would do that. They claim I did not make a payment, but it was done electronically through my bank (citizens). The month before it went through fine, and the month after. However, according to them the month in between they didn't get, even though it was same electronic method. I have had to jump through hoops to prove the payment was made. Because they claim I didn't, they repo'd the car. Finally they apply the payment, but will not take off the repo (since if they had applied the payment I would never have been put into repo status) saying that Citizens made the mistake. NO THEY DIDN'T jerks. It was all automated and worked before. This is your fault and you are making me and citizens prove it. And have to contact an attorney. I have spent so much money and time and still have yet to get this resolved. They are the worst. STAY away!!!

Payments have been made to Santander and 6 months ago, I requested an extension on the loan due to having time off from work due to a death in the immediate family. The extension was granted. 2 months later, I was getting nonstop calls from Santander saying that my account was overdue when it shouldn't have been because I was paid up to date at that time. Since then, they've made login impossible online where it always says it doesn't know your account or customer number so I began sending payments via US postal mail. I then received an email saying that payments can be made through another company online (Charge Smart) saying that it's formerly, Santander/Drive Financial.

How is that possible since they control the weekly deductions automatically? Another call and rep asked for my zip code, put me on hold to fabricate another lie, but this time it's truly ridiculous because he said that your cut sales tax have increased to 9%. Now that is a lie because sales tax in my city has increased. They come up with all kinds of ridiculous excuses to con people out of their hard-earned money.

Chrysler Capital is the only vehicle leasing company that charges a convenience fee of $2.75 for each month you make your lease payment. What a bunch of Crap! Ally nor General Motors charges this or Ford for that matter. Come on Chrysler, you're making good money now and this fee should be eliminated.

This finance company is charging me 24.9 % Interest. They convince me to enter into a payment arrangement, then repossessed the car without even giving me an opportunity to make a payment in accordance with the arrangement.

I purchased a new car last year and when I purchased it the dealership (Chrysler) told me I could refinance it in a year. So I purchased it, and paid every month with out fail. Well a year came along and I went to three reputable finance agencies and not one would finance it because it was not worth the amount. So I called Chrysler capital (who I'm financed with) and they would not help me stating that it was not their issue; even though I'm paying them $697.00 a month and that my only option would be to turn in the car and lose all my credit or pay more often more money in hopes of bringing it down to possibly refinance.

My original contract says I have 127 payments. I made all my payments as stated and two months later there's a repo man standing on my doorstep, no warning from Santander or anything. I call the company and they are trying to tell me I owe 180 payments.

My son made his first purchase of an auto from Carmax. Due to his inexperienced credit-although over 700 Fico score. He was approved for financing by Santander, of course for a higher interest rate. We were okay with it, just to get him started so he could build his credit and re-finance with another financial institution at a later date.

So I financed a 2004 Dodge Ram back in 2006 for 72 months through Citi financial. Santander ended up taking over somehow anyways I didn't necessarily make all of my payments on time but I still made the payments. I was very irresponsible with my money and made some poor financial decisions. But with that being said I still managed to make my payment every month. I called in 2011 to find out what my balance was on the truck after making 500 dollar a month payments for 5 years and was completely shocked to find out I owed 22,000 on the truck. I bought the truck initially for 21,000 I said "how is this possible?" They claimed it was a simple interest loan and since I made all those payments late that's just how the cookie crumbles.

My purchase three years ago of a vehicle got me hooked up with Santander. I set up autopay but later paid it off. An accidental payment sent to Santander took me a month to get my 409$ back after several calls. The first rep told me to call back. The second also said Call back in two days they are working on it. My last call was to a supervisor who informed me to fax proof of a payment. Two weeks later I get a Visa card in the mail instead of a check. Several attempts to use the card for shopping I found the card did not work but one time at the grocery store. I suppose I'm lucky to have gotten my money back. However I am limited as to what I can pay with it.

I am trying to transfer some funds. If I could give this bank a zero star I would. Chase is 100% better. In fact, any other bank is better.

We purchased a car on February 3, 2015. We stated we did not want gap insurance and we were charged $895.00 and they won't put any extra money we send. We wanted the money to be taken off the principal and this company won't do it. They say you need to send the payment separately and then maybe we take it off the principal.

This company is a ripoff and a scam company. Stay away, stay as far away from them as you can. First and foremost, I had a loan for 72 months. I ended up paying 74 payments at which time I checked the payoff and it was over $4700! WHAT?!!?!? How is that possible you may ask? Well what they don't tell you is that they have a "10"-day grace period, truth be told you don't. Also if you fall behind they do interest only payments without telling you! Plus they charge you 10.95 to make a payment, unless you do direct debit (which I would normally recommend but now these idiots). All this happened because my loan was sold to them by CitiFinancial. I didn't ask for this and don't like how it was handled. Wish there was a lawsuit we could join because I'd jump in with both feet!

Got the vehicle repossessed over the weekend and Santander told me I had to wait until Monday (today) to find out where it was going to be located to pick up personal property. Called them only to get wrong phone numbers of their vendors and no luck on finding the vehicle. After calling them 3 times, they gave me another number to call. I've been on hold with American Recovery Service trying to locate the vehicle (my estimated hold time: over 60 min). They can keep the vehicle, I am done dealing with them. But I do want my baby's stroller, car seat, my purse and makeup, charger and phone back. They told me most likely I'll have to pay $150 by ARS to pick up MY stuff. I am not mad about the repossession, I am pissed off at the fact that I cannot locate the vehicle & pick up MY crap for free!!

We have been making payments to these idiots out of my wife's paychecks every two weeks. To make a long story short, they were taking the second payment and applying it to the interest. Needless to say, they are also reporting to the credit agencies that I am behind in payments when I am not. I asked them to place all of the payments to the principal only, but of course they won't, so now I am trying to get this resolved.

Santander is a ripoff. I will never in every breath of my body recommend them to anyone. They have made my life a living hell. They say one thing and do another. These people charged all this interest and hidden fees. My car was totaled out and the insurance company sent them a check of 12,299 dollars and they tell me that I owe interest for the balance of the car which was 3489 and now it has jumped up to 3784. This is ridiculous. And I do plan on seeking legal action against this company.

My wife made payment arrangements with this company for 2 weeks and they agreed to it. They was going to get their payment on the 18th of March and choose to have our vehicle repo. The company they hired took the vehicle in the middle of the night with me and wife's medications. I am a veteran with p.t.s.d and had military documents in the vehicle. We was in the process of moving. This company was very unprofessional with the handling of everything for an extra 2 weeks on payment that they agreed to.

I was financed thru Santander consumer for a 2004 Cadillac srx. Week when it was paid off they came up with another amount and to say it wasn't paid off that I owe $5600. Then they came and tried to repo it because I wouldn't pay them. In the end they are some dishonest and cannot be trusted.

This company is off the chart for overcharging consumers. How they manage to justify their interest and late fees is ludicrous..My loan was for 72 months. On 3 occasions I was given grace to add a payment on the end of the loan. I am now on year 7 paying for a vehicle and have one more year of payments. Go figure. Thank God for Consumer Affairs...they saved me from a repo. Use Consumer Affairs in your city if you need help.

Using the online services I attempted to make an inquiry into a charge to my credit card. There is no phone number or FAQ that addresses that subject. Short of cancelling the card there seemed to be no recourse. I contacted my local branch and explained the problem. I was put on hold for over 10 minutes. I had offered that they could call me back, but the representative just placed me on hold. I suppose if I stayed on hold that long that I am partially to blame, but no customer should be placed on hold that long. I called back and new representative answered and still was not able to speak with me, but has promised to call back. I am waiting. I deal with two other banking institutions and I never have encountered this level of poor customer service. It is simply not acceptable.

I financed a vehicle through Santander in 2007. I had never heard of them but was going through a financially hard time and needed a vehicle. I have been late a few times, and at their suggestion moved a few payments over the years to the end of the loan. I have now paid over $50,000 dollars over the course of 8 years and Santander says I still owe $10,000. The longer I dispute this amount the more charges and interest they rack up daily.

Chrysler Capital is the worst possible finance company. They operate under the guise of Chrysler Capital, but they are nothing more than Santander Bank. Wolves in sheep’s clothing. I am a car dealer... It’s pretty bad when one of us calls someone else a shyster! But that’s exactly what Chrysler Capital is!!! Chrysler Capital overcharges all of our clients’ auto rates. They trick the customer into financing with them with a rebate to borrow specifically from them. The problem is they charge the customer ridiculously high rates.

Santander has repossessed my car on two occasions just to get more money out of me and put me in the same situation. This time they can have the car. What's ironic is they aren't the initial company I was with. They bought out my company and I ended up with them and their money hungry tactics. As of today I can't get my wallet or nursing school books out of car. They said the towing place is closed but yet it took my car today which is a weekend.

These people are ripoff. They give you a high interest rate of loan with a bank called Santander. If you are looking to buy a car, I advise you to stay away from these people Santander and use auto sales. They mean you no good at all. It is hard to get another if you want to trade it in. The worse situation I ever been in. Please refrain from using them. Stay away from them.

I was in a total loss accident and my payoff on my Jeep was $32k. My insurance company gave "me" $38k for the vehicle which was 15 months old. Chrysler required my insurance co. to pay them the total amount and refused to pay me out the difference. Only leasing company that does this! I will never buy/lease a product from them ever!

I've been with Santander for a while now, and I am already paying a high note for my Jeep Patriot, so therefore I have to sometimes split my payments up and pay a portion on one day and then turn around and pay the balance of another day before the 30 day mark. Well there's been a couple of times where I made an online bill payment through my bank and with that being said, it usually takes 2 days for my bank to send the payment to Santander. I've checked with my banks manager on a payment I made back in 2014 through online bill pay to Santander, my bank sent my payment to Santander on November 24, 2014 and the reps just let your payment sit there in their database, without noting your account that they received the payment. The reps purposely do that so they can say your payment was late.

4 months which is incorrect. I work really hard to maintain my credit score. I have never got any response about the email disputing additional charges. I made 60 payments. You are kindly requested to send me the payment history for 60 months. My payments were at 19.24% which is the highest. When I requested to modify my loan the maturity date got pushed back. In 2012 Santander reported that I have not made any payment even though you deducted from my checking amount. Incorrect posted amount in 2012 and also, which eliminated my opportunity to buy the house in 2012.

I traded my car and carmax had paid them off and Santander continued to take money out of my account. They owe me 262.18. I spoke with 3 people and they told me I would get a full refund, they overdrafts me with the bank and I incurred over drafting fees. I called them back given the situation the money was still not in my bank account a week later like they told me to. This time I spoke with 2 different people and they told me that they didn't owe me anything even though carmax had paid them off and they took money out of my account. Then they proceeded to tell me "Oh yeah we owe 24 something. That will be put back into your bank account March 5." As far as I'm concerned this company steals from you and doesn't care what they do to you or how bad your situation is. I will never go back through Santander consumer USA. Awful and disgusting!!!

My son first car purchase and he got ripped off, needless to say... If only our son would have waited to ask for our advise before signing a contract, he would not have been in this situation. He is young (18), new to getting loans. Yet we guided him thru our local CU to establish credit getting a personal loan and a small CC thru the CU we bank at a year ago.. So with that said, his Credit Score after a year has gone from Zero (a Ghost) to a Credit Score of 703...

Santander is definitely a sham of a company. Through out my loan with them, I had my payment put to the end of my contract a couple of times, at their suggestion and had been late a couple of times. Well I made my regularly schedule payment on Thursday and the following Wednesday, I was leaving work to find the car missing from the parking lot. I called Santander and they told me because I was in legal status (I am a part of the class action) they could not give me any information and I needed to talk to my lawyer.

This is a terrible company. In 2013 I payed a payment on my car and they claimed I didn't pay it but it showed on my bank statement. They told me to send them proof so I sent my statement to them and highlighted the payment, then they told me I didn't send them the right information they asked for and because I highlighted it the statement they wasn't going to accept that as proof. So I ended up paying a double payment to catch up the loan because they would not credit the payment to my account and then in 2014 the same thing happened all over again and now they threatening to repo the vehicle if I don't pay them 768 dollars by February 5th. Highway robbery. This company should be shut down.

My husband and I were trying to get into a car when his credit was not the greatest. Santander offered us the help we needed to get into the car we wanted. We thought everything was great and working out for us! Turns out there were a lot of things they hid from us and charged us for. We bought a $12,000 car. Thru Santander we ended up signing papers to a $16,000 car with skyrocket interest and monthly payments. 15 months later we have paid Santander over $7,000 and our car payoff is $14,800! We are upside down in this and so angry! Finding someone to refinance the car for more than it's worth is near impossible, but this last week we found State Bank that helped us out of our bind. We will now celebrate that we no longer have to deal with Santander again and would advise everyone to NOT do business with them! They are dishonest and hard to work with. It is not worth all the trouble!

I have an issue, that the bank deducted money from my account for a car loan, which I already closed. And three days ago I called the customer service and talked to a manager on the name "George" and he informed me that he would send to accounting department a request to approve for the refund and he will call me back to confirm. But he didn't. So I called yesterday to ask about him and agent who answered me informed me she will transfer to him. And I stayed on hold for 10 minutes without a reply or answer.

This company failed to provide the title to my vehicle after I paid off my loan in 2014. I called several times, and each time I was told they would send my title out in 6 to 8 weeks. I never received the title. Now, when I call, they claim to have sent it out in August, which is a lie. And they have now sent me to a site to buy a title for $45. This is clearly an attempt to get more money from me since they never sent an initial title. Imagine if I would have told them this: "I sent your money before. Oh it didn't come? Too bad.” And they have no proof whatsoever that they mailed it. I'm just supposed to pay because they have me by the short and curlies. 0 stars!!!

This company never works with its customers and needs to be fair. They refuse to take partial payments. I had my payments on time until end of 2014 but still report 12/18 payments late. Do not go with this company because they are robbers.

This bank lost a thousand dollar check that I wrote to myself and cashed. I notified the bank. They said that there tally for that day was correct. I can only surmise that they took the funds out of another person's account.

My husband and I purchased a vehicle with this bank loan. The bank has lost my payments and actually applied my payment to a different account and then reported me 30 days. After a month of fighting with them and speaking to NO ONE that was helpful, I finally had to contact a law firm to get the late report removed and the bank kept telling me they never reported it because it was their mistake....LIARS. This is a terrible bank for anyone.

They have ripped me off for $5000 in fraudulent fee. They charge you $500 everytime they call you. They repo'ed my car several times because of fraudulent fees.

Received a End of Term Final Bill 6 weeks after turning in my 2013 Chrysler Town and Country. I have provided proof from the dealership and transporter that picked up the vehicle that some of the charges are not accurate. I have photos and documents to back up my claim yet I have been advised by Chrysler Capital that they can do nothing even though I have hard evidence to support my claim. I waited over 2 weeks once opening the claim for a representative to contact me.

Santander held a loan for me & my husband years ago when we didn't have the best credit, and when we didn't have a lot of money. We ended up paying $18K, for a $9K car, and when we finally made our last payment, we celebrated because we had established credit by that time and were making good money. We purchased another car through Citi Bank, with a great interest rate, and we sighed a huge sigh of relief because we would never again have to deal with the rudeness of their customer service.

I called in to extend my automatic payment schedule as their email suggested I do and was told that I had to go online to do so. When I questioned why I was sent an email stating to call in as opposed to just going online, I was met with rude and hostile arguments. Mind you I have no late payments because again I set myself up with AUTOMATIC payments and still was given rude and horrible customer service. If I did not have an auto loan with Santander, due to the Ford company I purchased the vehicle from, I would NEVER in a million years do business with them! The most disastrous customer service.....almost like a scam, I'm sure they get their employees from a pool of losers based on the attitudes I was given over the phone the 3 times I called about this issue (1 after another, HOPING to get a better CS person, the first time being "accidentally" hung up on because they were having computer issues).

Dec 26 nine fraud charges on my debit account. I can understand it could have happened with any bank. The problems start with the bank’s customer service or maybe I should say the lack of! I spent hours on the phone with many dropped calls and hand-offs to the next person then have to explain story all over. After two days of the runaround I went to the local branch, North Street, Plymouth, Ma. Wanting to reduce the risk of losing more money I wanted to take cash from my checking account and open an account in another bank, in cash. The North St. Branch had only one third of the cash on hand so I took what they had and asked to put the rest in a savings account. The next day I went to another branch cashed out and closed my savings account. I got my money but the bank never closed the account, my next meeting with the branch manager on North St about the fraud knowing the account didn't show the withdrawal.

We purchased 2009 Ford Focus used from Corning California for $18000. We put $8.000 down for 48 months. It has been repossessed 3 time for bogus charges. Paid $5000. Paid the finance 10.000 yet they want to repossess it again stating we owe $6000. They had no reason to repo it to begin with. They have drained us.

AS I'm on workers comp. permanent disability, occasionally my payment is a few days late. My monthly payment is 313.84. On my statement it said I was 472.00 dollars behind with late fees. I paid this amount over the phone with a debit card and was told my account was now totally current.Today on Sunday the 11th of Jan. I was called and asked about my late fees, when I told them of my payment of 472.00 and being told that I was now current, she said that money went to the principal and none went to the late fees. Every time I speak with them it's a different story. Cannot afford to pay on this late fees again. I am on disability with full custody of my two minor children ages 9 and 12. Please don't use this company as it's a constant headache.

I went to purchase my vehicle from CarMax (another horrible company)! Unfortunately, I was given Santander as my loan provider. I have had my vehicle for 2 years now, and never missed a payment. I tried to refinance through Santander whom I found out the hard way that they do not refinance. I had a death in my family and became displaced all at one time! I called Santander and explained my situation to them. They supposedly offered me 3 months deferment on my payments. On the start of the second month I was being harassed as to when was I going to make a payment! After several attempts trying to explained to them what they had offered me, I got nowhere. They call me at all hours of the day, weekends and night.

My husband purchased a vehicle in Dec 2007. The original lender was Citi Financial Auto. He died in Jan 2009 and they were notified and asked to respond and be paid from the estate. They failed to do so then gave or sold the account to Santander and I continued to make payments as long as possible. The vehicle was repossessed in 2012 and they contacted me concerning paying off deficit after it was resold. A year later 2013 they contacted me asking for information on repo company.

I had a car loan with Santander, my car unfortunately got totaled. My insurance company GEICO paid more than what I owed on the vehicle. So long story short, Santander received the Insurance check, paid off the loan and now continues to hold my overage for no real reason other than their "policy" says they hold overages for 30-45 days. So after getting every dime they are owed, I now have to wait over a month to get the insurance money I need to replace the vehicle and be screwed with no car in the meantime cause I'm not made of money. Their customer service is useless and rude and their so called office of the President is some made up department to try to make customers think they might actually get somewhere when in reality these people don't have any authority to do anything either. So I don't see how they can legally hold my money and probably collect interest on it while I sit here and get screwed by them, but that's what's happening.

It was awful. I had a stroke. They wouldn't work with me. That was putting 2 months on the back end of my loans. Without my consent tried to trade it in. I owed 17,000 but I borrowed 13,000. They are awful.

This has to be the worst bank I have ever worked with. My car was stolen and Geico covered portion and Gap covered small portion. They left me to pay 4180. Santander would settle or nothing when 2387 $ was all interest and fees during the time the car was gone. So they expected me to pay for a car I didn't have. Customer service was completely rude. Supervisor didn't help and the office of the president said they couldn't do anything. I wrote a letter to the president of Santander Jason Kulas and he never responded or documented it. Fraud bank needs to be out of business.

You call and you get people that don't understand their own policies and are condescending. I am highly educated and do not appreciated being talked to like an idiot. I will take my business elsewhere.

I used the ATM at Santander in downtown Pawtucket, RI. I do not bank with Santander. The buttons on the touchscreen weren't working, or responding and I couldn't figure out why not. My card was ejected in a big green orb that glowed very brightly making it hard to see my card in there. The card was taken as I didn't grab it in time. So I'm thinking this is horrible being Christmas eve, but I'll get my card when they open up the next business day. No chance of that happening.. The card was shredded. I found that an unusual practice as years ago, my card had been taken by an ATM and I just came in during business hours and got it. Funny thing is, this outside ATM is not owned or operated by Santander. Had I known it was a card shredder, I could have walked out of my car and gone inside to the Santander ATM inside. Now I'm waiting 5-7 business days for a replacement card unless I want to pay 25.00 for an overnight service. Who shreds cards?

Santander consumer usa is a ripoff. Spoke to someone at the office of the president and inform them that l was sending my insurance check to cover my payments for June, July, August and September. He said no problem, just make sure that l sign the check and put my account number which l did. Prior to that in May they repo my car for non payment. The repo guy even had the nerve to ring my door bell at 11 o'clock at night to come to find out once you tell a repo man you can't take the car he is suppose to leave. So they took the car against my will. l inform Santander and they said that they're not responsible for third party actions. Now l'm going thru the same thing. The repo company wants me to pay seventy five dollars to get my personal belongings. So l guess l will be seeing santander par North America and blessed towing in court because l'm suing the mess out of them.

I was charged 2,000 from a company I had never heard of, and an overdraft fee because I don't keep that much in my checking account. The company immediately refunded the fee, but somehow because the company I never heard of auto-refunded the charge I could no longer dispute the overdraft fee as a mistake. Yes if a company realizes their mistake and refunds you immediately afterwards it no longer is possible it's a banking mistake, apparently a refund means it was valid charge as far as their concerned and thus fair game to charge fees on.

I've had Santander for 3 years thanks to the terrible salespeople at my dealership. During this time, Santander's employees have lied to me. They've been unethical, and they've tried to repossess and sell my car. Now I'm trying to payoff my loan and they refuse to accept payment. They're giving me the runaround saying to check back in a week when it's already been 8 business days. If they were any other loan company, I would think there was something wrong on my end. Unfortunately, due to my history with Santander's unethical practices, I suspect they have the check and haven't cashed it because they want to keep the loan and tack fees to my account.

I was originally contacted around 11/30/14 because my payment was 10 days past due - I was told by "London" that I was eligible for a 2-month deferment and he processed the request. He told me I would receive papers sent via US mail that I would need to sign/date and return either via FedEx or fax to the # indicated in the instructions. These documents were received and I immediately signed/dated the documents and faxed to the # indicated since I was told they had to be received 10 days from the date of the letter (which was 12/3/14). I noticed the deferment months listed were November and December, however, I had been told by London the months would be December and January with no payment due until 2/20/15.

Due to medical issues, became very behind on our car loan. Santander deferred late payments and we became 3 months late again and they deferred again. What an amazing company. Was able to make 4 payments but was so far behind on mortgage we became late again. Guess what? They deferred payments again and lowered them by 40% for 6 months. Santander, thank you. We are now catching up due your staff that went out of their way to help. I cannot thank you enough.

We have a loan with them and have always paid on time for 18 months. Went to try and trade my brand new 2013 Kia soul with 20,000 miles on it and the dealership shows us it's only worth 8,000 and we owe 14,000, wow!!! They charge you a bank fee and add it to your loan without you knowing it!!! This is ridiculous, something needs to be done about this. They should have to reimburse us in cash for this. There is no way I can owe that much money and this is a brand new car and it only be worth 8,000. So the dealership wanted me to go back through them for financing. I said “Hell no,” due to them charging me a 3000 dollar fee upfront. They should have to send me a check back for this. They tack this onto your loan and I think it’s unethical.

I have had nothing but problems when it comes to making payments on my car loan. At one point I set up bill pay through my bank account and was told by a rep at Santander that they never received my bill pay so I made a payment over the phone and paid their ridiculous 15 dollar fee. Well the next day I was double charged by the company. They took my over the phone payment and cashed the bill payment sent through my account. They tried to blame the bank like all companies do but I work for the bank and spoke to someone in the department and they gave me the date Santander received my bill pay. So my rent check bounced and I was put off money for a few days and with being a single mom that doesn't receive any assistance or child support that's not acceptable. So I called today because I noticed my pay periods fall differently this month and I wanted to ensure that my payment was made when money was available because I do not want anything bouncing and I was told by a manager through the company in the past that changing the date would never be a problem. Well I was hung up on by a rep trying to switch my due date and then I called back in and immediately asked for a manager. The woman I spoke to thought it was acceptable to laugh and chuckle at me after I let her know I was not happy at all with their customer service department.

Bank with Santander - BEWARE! On 11/29 my debit and credit cards were physically stolen. I discovered this on the evening of 11/30. I quickly started making calls to everyone. I found that the thief was already using the cards. My credit cards with other banks were wonderful. My debit card with another bank stopped a transaction immediately from being authorized. Santander was another story.

I purchased a vehicle from Global Chevrolet in NJ on December 12, 2007. We needed a car so I signed the contract. It was never mentioned to us that this was a simple interest car loan. On top of the outrageous interest, they are now saying there is still an unpaid balance of $6,400.00 left to be paid. What I thought was a mistake it is because my copy states something totally different. How are they getting away with this and why are they still in business?

Sent money to pay off my car, turned around and sold it, 45 days later and still waiting on a lien release, worst bunch of dim wits I've ever dealt with, I would never deal with these people again---run!!!!!

I have my vehicle financed through this company and it has been about 4 years. I have never made late payments or had issues until now. I have a good payment record with them but my husband’s car produced a massive mechanic bill and our hvac among other things in our home went out. Needless to say we quickly fell on tight times. I was just trying to get my December payment deferred and pick back up in January like normal. I was told they needed 10 days and I just spoke with them and was denied! Seriously!?!?!?

This bank totally rips off its customers. Instead of paying my principal balance off my car loan, all I'm paying for is my interest and besides that they charge you interest for paying early before the due date. I definitely don't recommend this bank if you are looking to buy a car. Stay away from these scammers.

I had no problem with this bank until 2014. My mother, who go figure worked for this bank 20+ years, died after a 9 year battle with breast cancer. I'm in my mid twenties and her oldest child. I got two months behind on my credit card payment because of everything. I spoke to the bank the morning my mother died and explained the situation and that I was 1000+ miles from my home and did not have my checks. I did the right thing the following month with the life insurance money I received. I paid off the entire card 5,500, with the bank, not a collection agency or anything like that....the bank. Imagine my shock when I went to use it and it didn't work. Yup, they cancelled my card, despite knowing everything going on, and a reliable payment history until My mother took a turn for the worse. I was screwed over by this bank for doing what I thought was the right thing.

Santander calls 4 to 6 times daily beginning at 8 am and ending at 9 PM. I have given them alternate contact information and they still continue to call the home line approximately 20 times in one week.

On 11/14/14, I had committed the biggest mistake by stepping in Santander Spanish bank in Whiting, NJ 08759 wishing to open a account/loans. Every unrealistic good offers, (Scams) were benefits offer, so good to be truth. This person named K. ** and her assistant had offer me $70,000 loan with an interest of 3.25% and for 15 years credit line, with the condition that I had to move my checking account and direct deposit of my Social Security pension and my Annuities small pension to this Santander bank, which I did agree to their condition. Also, I had to open a saving account besides a checking account and pay my bill directly from Santander. Two days later, when I came back to do the close of these Loans, this woman insist that I have to transfer my S.S. pension before finish the closet, which I remain her that I had told her that Social S. will not transfer my pension, at least I go and sign an agreement, and after closed the Loan with Santander great Scam bank.

I would never recommend anyone to finance through Santander Consumer. I have a 2010 Toyota Corolla that is financed through Santander Consumer. I was in desperate need of a vehicle and my credit was not all that great at the moment, so I just went and financed through Santander Consumer, which was the biggest mistake of my life. I have dealt with financing and leasing through Toyota and various other companies. Make a long story short, I was behind on my car note two payments. I called and told them my situation and the day I intended on paying. That day arrived and I paid as promised.

I refinanced my car loan to get a better interest rate. My credit union contacted Chrysler Capital to get a payoff figure with a 15 day grace period. The check was mailed on Oct 17 but Chrysler claims they did not receive it until Nov 6. Chrysler charged additional interest on the loan and refused to waive it because I cannot prove it was their fault for not applying the payment promptly. The payment was sent via regular mail without a tracking number, so I have no proof of when they actually received it. They will not release my title until I pay this additional finance charge. This is totally unacceptable and after speaking with customer service multiple times and also the President's Office, they refused to waive the additional charges. This is NOT how customers should be treated. They are only looking out to make an extra buck and treating customers unfairly.

Thank goodness I personally have no involvement with this predatory lender, but it has been my misfortune to come in contact with them in trying to help a friend who made the mistake of financing a car with this scam business. So far a charge for $100.55 cents has shown up on the credit card I authorized these criminals to take a $2,000 payment on when they refused to allow me to pay off the loan and charged me $10.95 just to pay them $2,000.00. Four days later this other charge showed up. I write this as I speak to the fraud department of my credit card company, incredulous that they did not simply refuse the charge. I have found three separate class action suits filed against these crooks and have come across seemingly limitless tales of people who paid their bills and had vehicles taken for no reason and others who are still waiting for their title, two years after they paid off their loan.

I purchase my 2013 Impala in June 2014. I have never been late on a payment. In fact my payment were being deducted from my checking account. Last month I had an emergency surgery and was told that I need to pay $1000.00 at the hospital. I called the company, asked if I could move the payment to the end of the contract. The representative told that she would put in the request for October and November and management has 10 days to approve it. Well, I called back and was told that it was not approved and I need to pay at the 160.00. I am on disability and receive my income once a month. If I could have made my payment I would not have asked for the extension. They care nothing about the loyal customer that are making their payment on time and they do not have to call or hunt them down for a payment. Lord, please let me be able to find someone that is willing to refinance my car so that I can get away from this non-caring company. I guess no one there has ever had an unexpected emergency before and I pray that they never do.

I had a bankruptcy in 2005 so my credit wasn't very good. I wanted a really nice car so went to CarMax. Santander offered to buy my loan but at 24% interest which is ridiculous, but I needed a new car. The loan term was from Feb 2010 to Feb 2016, 6 years - 547.00 a month. Now, I went into this paying ATTENTION during the signing of the buyer papers - so yes, 24%, 6 years long. I'm fortunate because my income is very high - so I could qualify for a more expensive auto.

I'd been screwed backwards and forwards by a used car dealership who sold me a lemon under false pretenses. I was very wary about buying a new car let alone getting financed through Chrysler Capital. The interest rate was astronomical at first solely because I'm building credit (recently out of college), but through some finagling it was considerably lower. They've been more than helpful with everything. It's not their fault my credit was not great and they offered me what they thought was fair. I am going to refinance after several months but for now, they're a good fit. Everyone I've spoke to on the phone has been very helpful and pleasant.

So the branch on Social St in Woonsocket, RI is the closest Santander to me after moving from Massachusetts almost a year ago. I don't have much need for in bank services, so the fact that it isn't very clean or convenient isn't that big of a deal. I had an issue with the ATM in the lobby inexplicably going out of order one time after my card was in it and I was trying to withdraw money on a Sunday. The screen all of a sudden is showing Chinese (or Japanese) lettering, my transaction stops. There's no one obviously working on a Sunday. After pushing the cancel button about 25 times, and finally waiting about 5 minutes...it kicks my card out. No money, but hey...I got my card back.

I purchased my 2008 Chevy Equinox in 2012 for $13,000. I put down $5,000 cash and I had a trade-in which I was given $2,500 for. I have paid over $13,000 in monthly notes so far. I called in for a pay-off quote and was told that my pay-off amount was $12,420. How is that even possible? This would mean that I'm paying for the vehicle twice and also that my down payment was never applied to my loan! I'm trying now to get legal advice on how to handle this. I would have never agreed to pay this much so I'm sure my loan docs have been falsified.

My family had an opportunity to better themselves but to do so my husband had to stop working and take a class that started in the middle of a month. In order to keep our child in daycare with no issues of putting food on the table I requested a 2 month deferment through Santander, and the reason they denied it is still boggles my mind. Apparently because I tried to take care of this the month before I needed it which was the end of September to cover October November payment, I was denied for being a current good standing customer. The solution when I asked what do we do to make this right since I qualify for 2 months of deferment or hardship, their solution was do not make my October payment and on the 30th of October call and request another deferment. Not only does a deferment take 10 business days to get approved or denied, apparently they want you to be in poor standing to even consider it.

I walk out to get in my car yesterday with my boyfriend for a surgery I have to have. It's been a very horrible week. My car is gone. Luckily, we have my boyfriend's car and on my way to the hospital, call Santander to see if they have my car. The lady tells me until I give her 1650 dollars, she can't tell me exactly if they repoed my car or not. In May, I had requested a deferment of 2 months which was approved for May and June. I called back today and they said I was 85 days past due which I wasn't. I made a payment in January, February, March and April. My payments didn't happen for May and June. The MANAGER today said it was for April and May and I was wrong. I made a payment in July and August, and my September payment wasn't due until the end of the month, so 2 weeks ago.

Santander began to call months later into my purchasing of a 2012 Ford Fiat 500 that the car was 188 days past due, when payments had been made. Proved this in bank statements two times in 4 months. They also told me the Fiat was up for repossession. I told them the last known location the car was in and after 3 weeks of not hearing anything I am getting calls from Santander that they were still looking for it. My family was calling me to inform me that several repo men had been on their property looking into their garage through the garage window. Then 2 customer service agents call me to report the car has been found and they want money for it for me to get it back.

Our car was prepossessed 2 weeks which was fine because Santander would not speak to us about the car.... so we got a chance to speak with them (7 month later) and they tell us we can pay off the car for $5,900 and we did and they release the car to us after payment. All we waiting for is the title in the mail. Today they send us a letter talking about we owe them 9600 more and have to pay it off by the 16th. Yeh right how do you get away with that.... you're not going to because you would not have released the car and then demand more. These people are a rip off.

I brought a 2006 Chevy hhr from carmax but it was financed by Santander consumers. My car was 10,900 dollars but they charge me 13,000 dollars in interest. I'm paying 24,000 thousand dollars for a 10,000 thousand dollar car. This can't be illegal. Do not buy a car from these people because when you're in their office they don't show you the bottom line. They showed me a contract showing after the interest is added I will pay $14,000 for the car. This is not so.

I was a cosigner for a vehicle that my nephew bought through CarMax and they used Santander. The obligation of a cosigner states that "if they do not pay the loan, then I am responsible for this" which I agreed. Well apparently my niece/nephew did not make payments on this vehicle for over 8 months and then the car was repossessed. Never once did I receive a phone call or a letter stating that this vehicle was in default. Just this past month (which apparently the car was repossessed in May of 2011), I went to get a loan and was told that there is a $7,300 charge off on my credit for this vehicle. Needless to say I have put in an investigation on my credit because the laws in my states says that I should have been notified, had the opportunity to pay the car which I would have done.

On 2011 I bought a use 2008 Ford Escape through Santander. The cost was around 14,000 for the vehicle. I knew my credit was not the best and my interest was going to be a little bit high due to poor credit. Up till now I have made 41 payments of 435 per month and I'm still owe them over 11,000 dollars. So I call them to see if I could refinance due to me have been making all my payments on time and of course they said NO. If my calculations are correct I will end up paying almost 30,000 for a 14,000 dollar car. Shouldn't this be illegal? By the way my car has 175000 miles and it's worth around 3500 on the Blue Book. What should I do?

I have been under going finance problem and I have a auto finance through Santander. I, after sending number or supporting fax to company about problem I contacted their president office and by conversation came to a agreement that small payment were already there, wouldn't be any problem with repo action and it was great that I was keeping them inform. Just recently that assure feel by the side a tow company show up at my door, car tow by order of Santander. No prior mail received about repo action. Received letter demanding full payment, back payment to reclaim car. A completed breach of company trust give with assure.

I was in the Buying a car when It was wrecked - the insurance took the car and said it would be paid off because it was totaled. I signed over the title and thought it was taken care of. The car was taken three days after the accident. Here it has been three months and the Bank is not telling me the title was released to GEICO and that We still owe a balance of $835.00 on the loan. Why should we be responsible for a car and loan that is not ours and the bank let them have the title. They are the ones that should be responsible. I do not want this bad on my credit but it was supposed to be taken care of. What should I do? FirstBank Southwest said we have to pay or be reported.

Over 2 years ago, I Paid both cars off. But, never got my title. Went to the DMV to get a duplicate and Santander Consumer USA never released the lien from my titles. Now, I am looking to get a new car and sell the one I have and I can't. Santander Consumer USA only told me that they would email their vendor to get it done. Nope. Nothing. Nada. BBB complaint and now a complaint with the Texas AG have both been filed. Let's see how far I have to take this just to get them to send an electronic message to my state's DMV to remove the lien. I wonder if they just think this is funny. I am not amused.

I bought a bed through a furniture company - and was approved for a credit card through Santander to purchase the bed. My first payment came asking for 25.00. I sent a payment of 279.33 through my online bill-pay which I have paying my bills through for the last few years. Santander claimed they never received my payment, slapping me with late fees and finance charges. The money was taken out and sent to them. I have a confirmation number. The people from the company are rude, hang up on you, and don't have a clue to what they are doing. Obviously due to this site there are a lot of other people who this company is scamming. I will be contacting a class action attorney - so If anyone else would like to join my suit against Santander please contact me at: **.

I always wanted a Mitsubishi Lancer. I always wanted a Ralliart or Evolution model, but because I had less than perfect credit, and a dealership willing to work with me, I settled on a basic model. Got a loan through Santander. They were the only ones who would work with me (unfortunately). Seemed great at the time. $455 a month. I was making $100 a day at Olive Garden. Then I lost my job. Got behind a few weeks on a payment. They'd call me constantly even after I spoke with someone the day/night before. Always the same routine. I'd make partial payments (I'd pay $220 one week, then $220 another week... totaling $460 for one month). They seemed okay with it.

On June 26, 2014 I trade out of my 2009 Kia Burrego Suv. Ford Auto Nation call them for a pay off and was told the pay off was $16,926.81 and they sent them a check for that amount. They send me a statement saying I still owe them $295.00 because they tried to run a payment for the July payment when Ford Auto Nation call them for a pay off. They got the check on July the 17, 2014 for the pay amount but they trying to charge me for the $295.00. So the finance manager at Ford Nation spoke with the President of the company and told us they don't give pay off info out. So the finance manager ask him how is it they have the title to the car for the pay off amount? So we both told him he was a liar!!! I want an attorney to see if I can sue them for pain and suffering and to keep them for putting that payment on my credit report. I have a copy of the check, title and payoff paperwork. What can I do to stop them for coming out on me and for adding that payment to my credit report because I don't owe them!

Santander has gone way downhill since the company changed from sovereign! I am now paying a total of 180.00 in overdrafts in one check! I was initially charged twice. No one can explain why only that they gave me 35.00 back as a courtesy. Since when is fixing your own mistake a courtesy? Plus according to my internet banking the funds were available. So now you rewrite the check plus 35.00 extra for the charge that the person cashing my check got charged... And they do the same thing! My internet banking reads that the funds are available; however, my check bounced a second time!

In June 2014 I leased a 2014 Jeep Compass through Chrysler Capital. The initial leasing experience went smoothly, my credit check was swift and the paperwork was effortless. Chrysler was very efficient with getting me the information I needed to lease the vehicle. Unfortunately my vehicle was struck by a driver who neglected to yield at a required intersection and my vehicle was deemed a total loss by our insurance provider. While the accident was scary, my injuries were minimal and the payment to Chrysler Capital was taken care of within the week. Now it is time to flash forward to the bad news.

Well I was scammed by Chrysler Capital (Santander) and the Dealership Deskins Motors I bought the truck from. First the Dealership Forged my name to the application and then lied about my income saying I made $4500 a month when I am disabled. They told me I could get it refinanced in 6 months and I couldn't and one dealership told me to look into it because someone lied. So I did and contacted the Dealership and Santander to send me the contract and application since I never gotten them when I purchased the truck. Come to find out they lied about the whole deal. They tried to charge me $60,000 for a 2009 Dodge truck and $814.00 a month payment, when the salesman said it just be $35,000 after finances and all. And Santander didn't even look into this. This whole deal with this truck is nothing but lies.

I ended up having to get a loan through Santander, because I didn't have a credit score, unfortunately. First of all, I put $12,000 down on a 2011 Honda Accord Ex in July of 2014. The total cost of the car is about $24,000, so all I needed to be financed was a little over $12,000, so tell me why they gave me a loan for payments of $343 per month, for 72 months???!!!! They claim all of it is in interest and fees!!!! That's an absolute ripoff, they think they're going to get over $36,000 from me in all!!!! Absolutely ridiculous!!!! But what was meant for evil will be turned around for my good, they'll see!!!!!

I made a purchase of $64.90 on September the 8th. From the Santander Mobile Banking App, it said it already deducted the $64.90 moments after I swiped my card. Today I put all my money in my saving account. I had an outstanding debt of $64.90 on my checking account. When I called and asked why, they explained the bill didn't clear until just today. I told them they were wrong because I checked my checking account right after leaving the store AND IT ALREADY DEDUCTED THE MONEY FROM MY ACCOUNT! Essentially, it took it out twice.

Posting this for my 81 year old mother who is trying to get her money from an IRA held at this bank. In my mom's words they are deceitful, rude, hung up on her and the banking staff at BOA who was trying to help her. Basically, they won't release the funds from her IRA. Not sure how to help her... She said people from 800 number nice, but when she contacted the branch (IRA is in Mass bank, she lives in CA) they were very rude. Any help dealing with this bank would be much appreciated.

I have an auto loan with Santander Auto Finance and I'm paying for a 2006 Chevy Avalanche with 72 months at $494.00 a month. Ok I've made 67 payments so far and lately on my statements I've noticed that the amount is not coming down like it should to reflect only having 5 more months that I thought being it was a 72-month loan. The balance on the statement still says $4200 with a payoff of $4300. How do they figure this?

Santander is committing FRAUD all across the board!!! LYING and basically STEALING, finding anyway possible to add fees on top of more fees! Your loan will never be paid off with Santander! They make up different fees and interest continues to soar! To make a payment, you have to pay $15 thru Western Union! Santander customer service is the WORST I ever seen! VERY RUDE and DISRESPECTFUL! After 8 years, it doesn't matter who I speak to! The supervisor is even disrespectful. It should be against the law and I am trying to see who I can contact to open a class action lawsuit against this company...

Last month I paid my bill ahead of time. My bill was approximately $465 and I paid $1000 and requested that the remainder of the bill be paid to principal. I spoke to someone on the phone when I was making this payment with my debit card. In the past I had been subjected to fraud by a company that would never apply payments to principal, so I asked for reassurances and they told me to check back online in a few days. When I logged back online I saw the amount had been used to pay my next one & one/fourth months of payments and not to principal.

Santander Bank did not process my payment. When I visited the Santander website to make my first payment on their website, I noted they were going to access a $10.95 processing charge. I called them. I was told this was the policy for making each and every individual payment (on their website) and the only way to avoid that was to set-up an auto-pay through their website deduction. While hesitant, I elected to do that. The clerk with whom I was speaking helped guide me through the set-process.

We were behind on our money and paying bills. We called in to inform Santander and let them know of our predicament. They were nice and offered to move 2 payments to the back of the loan for us at a charge of $25... Great!!... Not really...later in the month, a snarky little dude with a foreign accent started badgering my wife at work. She informed them of what we were doing with Santander, because he didn't seem to know. He says "OK let me check"...came back 10 seconds later and says, "Nope, sorry it was denied," and no reason given, then starts pushing my wife for 2 payments. These people are bad business. They are a last resort type of operation, so if you can do without...you'd be better off than dealing with these highly unprofessional people.

We were late one month, got and accepted the extremely high late charge. Next month, paid the regular payment but then received a late charge that doubled because of the last late charge was not paid before the monthly payment was due. They insisted they were not double charging us. When I called them to discuss this, I was told repeatedly that I was wrong and did not know how to read my bill. I told them that I would not make another payment until the late fees were removed and bill was right.

I do not like to complain about other companies, but when I am treated unfairly and handled coarsely it is a problem. Not only are 3 out of 4 of the people you deal with very rude, but when I called to check the status of my account so I would know exactly what to pay, a couple of days ago and it was $600, now it is over $1,000 and my car note is not even due til tomorrow!!!! Somebody needs to get it together because something is really, really wrong!

I received a settlement check from damages to my vehicle due to a hail storm, here in Colorado Springs from my insurance company. The adjuster informed me that the entire amount of the settlement could be used for repairs on the vehicle, or they could instead be applied to the principal balance of my car loan, financed through Santander Consumer USA. I sent a letter (on 7/28/2014) to their office in Ruth Snow Dr. suite 400, North Richland Hill, TX 76180, as instructed by Ms. **, expecting some sort of acknowledgement that they received the funds; with some detail on what was to be done with the funds. I wait, ... and wait, ... and wait... a full month (their website - http://SantanderConsumerUSA.com is down BTW - for well over 3 months now). When I finally 'call' Santander (888-222-4227), asking what is going on...I'm informed that they do not send letters for money received, they only send bills, and that I'm '2 months past due' on my loan, with penalties piled on too (I sent a check for well over $3,000 to them).

I filed for chap 13 and had my wages taken out of my paycheck from the trustee. Then about four months later they send me a 12,000 plus check (which is still in the bank) and say I owe them around 9,000 dollars more plus the check.. WTF!!! I'm finding a lawyer asap to see if I can sue them for all of this plus some. I even had to resign from my postal job because I no longer am able to drive the jeep because it is reported stolen by santander. Pls help if you know what I can do!

I got my new car in March of this year, lost my job a couple of months later and Santander has been nothing but helpful to me. Maybe I am blessed enough to get a generous rep whenever I called, but my experience has been awesome. I haven't been able to make a full payment since June of this year and they have worked with me more than once to help keep my bill current.

My adventure has just begun with Santander. Since they bought my large motor home loan from GE Capital in the summer 2011, I have not had actual trouble with them until this year. True, they won't change the payment date even one day so that my military retirement is posted and I could pay them automatically. As it is, I have to rely on a very large check in the mail to them while being out on the road. I was uneasy but I accepted this. I accepted that they have, for nearly three years, sent the wrong payment address on their payment coupons. I chalked it up to inept office practices and kept a supply of white-out and their correct address on file.

Santander is retaliating against me for complaining about their poor service or for seeking to refinance a loan with another bank in order to get a lower interest rate. Today, I learned that my refinancing application for a loan with another bank is being delayed because Santander has falsely stated that I had made two late payments in January and February 2014. This is especially shocking since I had corrected this error with Santander in March of this year. It is also troubling that Santander has refused to answer that my account was satisfactory. Of course, Santander benefits each and every day that my mortgage application with another financial institution is delayed through the higher interest that it is receiving from me than it would receive on the open market.

I have paid off my loan about a month now but they have not even send me an acknowledgement to that effect. I decided to call them today to find out what is going on, and I was on the phone talking to the voice recording one after another like for almost an hour, but I was persistent to get to talk to a live person. Finally, a rude agent by Name Sherra came to line. She claimed that info had been send to me, only to find that it has not been send. She said my title will be release tomorrow 8/12, so I will give them two days and call them again if I do not receive it. They have such a poor customer service, and I could not wait to pay off my loan. When they are contacting you about payment, you receive a 100 calls in a day and from different agents.

My payment was due on my car on July 25, 2014. I had called this company to tell them that I had fallen on some bad times and that I couldn't make the payment in July; I stated that I would try to pay a little more in August. Despite this, I get phone calls daily. I received a call yesterday (Sunday) and I explained to the rep that my status hadn't changed and that I had only a few cents in the bank. The rep was very pushy and kept asking me to postdate a check immediately, which I didn't want to do. I was scared to do something like that considering all of the negative reviews this company has gotten. The rep got angry and hung up on me. I am just about ready to tell them to come and get the car. I'm in the process of filing Chapter 7; and, I certainly do not want to be bothered with them anymore.

Loan paid off more than 5 years ago. Never received a lien release. Can you believe it took me two weeks to finally speak to someone after repeated emails to get a phone number that worked. As it turns out, I have yet to speak to anyone at Santander because they hold consumers hostage with any activity related to title and liens by passing you off to a third party "MyTitleSupport(dot)com" - where a fee of $30 is required for a simple Lien release. After two weeks I finally was able to get what I needed. However I believe the activity practiced by Santander USA is somewhat unscrupulous as witnessed by the many news stories and awful reviews published on the web.

I applied for a loan today. I only needed $1,500 but I was told I needed to take $5,000 out. Never had a loan with them. I also was told I wouldn't be changed for the other 3 + of what was left over from the original 5k. So I'm assuming I'm only paying for that $1,500. Has anyone had a loan similar to mine? Please tell me the cons and actual truth and payment fees?

They told me that I owed $4300.00 after my loan payments were paid off. And as I keep paying $400.00 a month or more, they kept charging for final payment of $700.00, which was $4700.00 more then I owed. They are loan sharks. They should be put out of business and made to pay back the money they stole from people like the home loans did to so many. Thank you.

Santander Consumer can eat ** and die. They are liars and scammers. After requesting my title I asked them on several occasions for it. They kept telling me it was in the mail. Today my vehicle was repossessed with a $6,000 balance when the maturity date was last July! The repo person was rude and entered a locked gate to get the vehicle, insulted my husband and bullied my son. He showed no identification and barrelled out of my backyard. SANTANDER CONSUMER IS NOT TO BE TRUSTED AT ALL! They are liars. Now, I have been accused of being the liar and I have a spouse who is very angry with me, Santander and the tow company. Oh and also the repo man said he HATED working for Santander because they do illegal repossessions and treat their customers like **.

This company took 2 payments out of my account this month. Admitted that it was their mistake. One of those payments was money to buy myself and my children food. Now I cannot buy food for my family. They said maybe it will be credited back to my account within a week. Maybe doesn't put food on my table. I want my money back. YES! MY money (4 days so far without being able to buy groceries - now they say probably at least 3 more days - maybe more)!

Dealing with Santander has been the ultimately WORST banking experience of my life. Even though I have paid every payment (6 years) on my car loan on time with 16% interest, I am treated like a ** child that deserves no help whatsoever. My loan has been paid off since November 2011 and I am still calling every few months trying to get my lien released so I can register my car in another state. I have been unable to drive this car for the last two years because I can’t register it. Now that I am down to one vehicle between two people, it's pretty important that we have two cars that we can drive. I have made a total of 11 calls over the last few years and each time I am told I would either receive a letter, they would fax the release or file it online to the DMV website. NOTHING has been done to this day.

We called Santander due to late payments as a result of unexpected unemployment. Talked to a representative who stated that the repo order was issued. Promised to make payment required by Santander via Western Union next day and the repo man came after midnight and left a notice. Representative said that the account would be noted to avoid repo. Obviously a lie, she asked for car location and license number. WE are making payment today but I do not trust their honesty and would tell us a lie to placate us and risk losing our car. They have no soul.

First off I like to say thank you Santander for giving me a car loan. My credit was really bad and they gave me chance to show them. I had my car, never was late or missed a payment, never once received a phone or anything from them. My balance was true and correct all the time. Santander accepts people with low credit scores and tries to help people out. Yes when you miss months of payments any company will call and harass you - doesn't matter what is going on with your life. So stop complaining because I have NEVER had a problem with them. I always paid my bill on the internet and no problem. I think a lot of you complainers were late on payments and you think you can get away with the excuses you are giving... Once again thank you Santander for accepting me for a car loan and giving me a second chance.

I was involved in an accident and the insurance of the responsible party sent me a check for the repairs!! It came in my name and Santander. We (me and body shop) contacted Santander and they stated to overnight it to them and they will endorse it and send it back to the body shop for payment. And then the body shop would get payment and release vehicle to me. Well we did all that but Santander did not and has not done their part!!! It has been over 12 days now and body shop still has not received payment. We have called Santander numerous times and can't seem to get a hold of anyone that cares!!! Have spoken to supervisors with no results!! Nobody at Santander cares!! They don't care that an insurance company only gives you a rental car for the amount of time it takes the body shop to repair your vehicle.

I have had my auto loan with Santander Consumer USA since February 2011. At first everything seemed fine and then I ran into hardship with some unexpected medical issues that took me by storm. I immediately contacted Santander to let them know that I was afraid I would not be able to make all of my payment on time due to this. The person the phone was always super nice and they helped me by getting deferred payment approvals for me in most cases allowing me to skip 2 months of payments. This was during 2012 and 2013 that I had to request such deferments to manage life's obstacles.

IS SANTANDER RIPPING YOU OFF????? Have YOU paid your loan off and made payments on time? Has SANTANDER debited your checking or savings account without YOUR approval? Then pay attention!!! You need to file a claim with your state attorney general's office. I am betting that they receive numerous complaints about this company. My wife and I were financed through CITIFINANCIAL and our loan was sold off to SANTANDER (SCAMMERS) CONSUMER USA. This is when everything went sideways and backwards.

Absolutely appalled at the sloppiness of this bank. Moved last year and it took 3 visits to the bank for them to finally update my account information. Needed to update my account this year due to a name change, brought correct paperwork which they photocopied and filed then lost. Told I have to visit a second time so they can copy and update the private information they lost the first time. I purchase a new car 2 weeks ago through a dealership. Dealership calls for a week with my information yet Santander cannot find my loan and have no record of me. Funny how they have no problem taking the monthly payments out of my account. They seem to have no problem finding me when they want to get paid. Needless to say I will be closing all of my accounts asap. I would not recommend this bank. Annoyed that I had to give it one star. Wish there was an option for no stars.

My car was repossessed on July 9th. I was less than 30 days late on a payment and when I contacted them, they told me I owed $2300.00. When they took my car, I was at work in a private parking lot posted private property. When I called to get my personnel property back, they told me I had to pay 50 dollars to get my items back. When I called, it was 530 at night and they told me they could meet me at 7pm and if I was 5 min. late, they would take off. My purse was in the vehicle with my blood glucose meter and other meds. It would have taken 50 min just to get there and how could I find a vehicle to get down there in that amount of time! The first time they tried to repo this car in my yard, the guy introduced himself as police officer, had a badge on and everything. When I told him to leave, he barged into my garage and stuck a gun to my head and chest. I called the cops and the only thing this guy got charged with was a disorderly conduct.

My story is about the same as everyone else. The account actually belongs to my dad, but since I have paid the $500 a month bill since 2008 I have a right to vent on his behalf. So my dad buys a 2004 Cadillac in 2008 with Citibank for the low price of $17,000 plus tax we'll round it off to about $20,000. Santander purchased the loan from Citibank about 2 years later. Payments were made on time and my dad got sick about 6 months after he purchased the car. I then took over the payments. I went through some rough times myself and had a total of 4 payments pushed to the back of the loan. My dad was not informed of any increased interest rates.

I had a boat loan that was sold to Santander so I had no choice but to do business with them. If I did I wouldn't. There is no way to get a person on any of their phone lines so I have no way of knowing if the loan was paid off properly or if the title has been released. Stay away from them if you expect to be able to get to a personal banker on the phone if you need them. I will make sure that I never do business with them again.

This is a bunch of crooked people. They keep adding fees and lie about payments and pick up your car. When they repo your car for no reason, they don't even know who has the car, and they keep lying about payments. They add bad check fees, and you have never written a check. They get it repossessed and you get your car back wrecked. This company should be shut down. We all need to file lawsuits.

I am currently trying to get my car from the body shop and Santander will not pay the body shop. The insurance company made the check out to my husband and Santander they said it was the law. We sent in the unsigned check because that is what Santander said we had to do and they stated we would receive the check back endorsed within two days if we overnighted it. Now it's day 16 and the car has been finished for over a week and Santander refuses to send the body shop a check. Now I've no car and I've paid for two years and my payments are current and storage fees are now being occurred I had to return the rental car and that was our only transportation.

What a mess! Been paying on our 2008 GMC since before 2008 to HSBC, then Santander. We were never late until earlier this year. We were supposed to have been done paying but they said we owed almost 4 grand more (have to look into why we still owed so much). We refinanced with another company beginning of May (which Santander knew). The refinance company sent two checks, one large one and our personal small check along with the Title Request that had our VIN/names/ company, etc. I got calls saying Santander requesting payment and never got the checks.

My child got a complication with pneumonia 46 days in ICU and we got behind on truck payment. They were heartless and repossessed the truck right out of the hospital parking lot. I guess the CEO out of Spain (china backing this bank?) needed my truck worse than I did. Never get behind with them as they are heartless!

2007 Nissan Frontier from Citi financial, loan sold to SCUSA, LOAN IS PAID OFF THRU SCUSA... BUT WAIT! you want your title? Step right up you get to PAY SOME MORE! Loans that are paid off the title search and release was sold out to another company, and you get to pay for that too! OK SO WHEN IS THIS &*^%$%$ GOING TO STOP? I HAVE NEVER EVER HAD TO PUT UP WITH, OR DEAL WITH, SUCH A RIP - OFF, SCAM DRIVEN, WORTHLESS PEOPLE, PHONE MONGERS, BAIT AND SWITCH, STRETCH THE LAW AS FAR AS THEY WANT, CAST OF CLOWNS IN MY ENTIRE LIFE. The s*** has hit the pan. In case you have followed this rant, the insurance is still at full coverage because you cannot remove them from the title or get a title release, due to all the unbelievable things these MONSTERS GET AWAY WITH. So if you have any choice at all..."RUN FOREST RUN."

Car was repo on 06/18/14. Was behind 3 payments. Made a payment of $400.00 to Santander 1 hour later. My monthly payment is $299.00.This was at 8 p.m. I was then told I needed to make 1 more payment of $365.00 which I told them will be made tomorrow. So the next day, I went online to check my online account and they had disabled it. I had not made the second payment yet as it was early in the morning. I called them to ask them why my account was disabled, and they told me it was because my car was repo the night before. I live in Ohio and am kind of worried after reading the horror stories of other people who have dealt with them. I also found out the repo company is also an auto auction company... I'm worried that if I make that $365.00 payment I still might not get my car back. Any advice?

We got a car through Gmac financial. They sold our loan and many to Santander after bankruptcy. We didn't get a letter or anything, just a monthly schedule that stated nothing had changed on our account, keep sending the same amount on the same date but to a different address as Gmac no longer held our account. We went for 3 yrs with no problems, even got our due date changed and a couple late payments moved to the end of our loan, again with no problem - extremely nice people from Santander..

Santander Consumer USA aka Drive Financial was in a bankruptcy I filed in 5/2007. The account was not showing on my credit report for Equifax, but after 7 years they decided to add them to my credit report as a new charge off account for the same amount included in the bankruptcy on 5/31/2014. The first date of delinquency was before 5/2007, but they are now stating the first date of delinquency was as of 8/2008. I have disputed it with credit bureaus, and the other CRA-- Transunion and Experian. Faxed over bankruptcy papers, etc. They haven't responded yet. I also sent in a complaint with the consumerfinance.gov, known as CFPB to get assistance. That negative account to my credit report dropped my score about 80 points. Is this legal? I thought there was a statute of limitations. I want to file charges.

I went to purchase a car from a Nissan dealer. I financed the loan with one bank and my loan was bought by Santander Consumer USA. After taking over my loan they placed their name on my credit report and said I owed them for a old loan from 2006 before the recession. I never had contact with this company before May 2014 of this year. Also I can't even find any information about this company prior to 2009. I don't believe this company was even operating in the United States in 2006, so how can they try to sue me for money I don't even owe them?

I've had an equity line application since mid-winter. As usual, they kept asking for more and more documents when I supp. They make one feel NOT like a valued customer whom they make money from and who has with a credit rating over 800 and no debt beyond a mortgage but like a CRIMINAL trying to steal their money. I spoke to a supervisor, who just gave me a standard line, not one element of personal concern or courtesy. I would rather SCRUB FLOORS to get the bit of money I need than ever give this company one penny. STAY AWAY--there are a lot of other banks out there!!

I have been ripped off. My loan was paid off in Jan this year. How the h. do I still owe 80,000 Dollars? My truck was picked up. I was told when I filed bankruptcy in which I never put the truck on my bankruptcy and continued to pay for it. They at Santander automatically put it in bankruptcy status. No one never ever told me this. They never called, they never sent me any letter, nothing. They took my truck, I paid for the truck 3 yrs after I filed bankruptcy. Omg, money given away, plus they took my vehicle. 23000 dollars gone. Be warned.

After many calls, plus emails, I finally managed to get through to someone in the President's office to explain what had happened. They said they were sorry about the rigamarole I went through to get a real person, and I finally did get the release of lien on the vehicle. Still, there needs to be a way to get a live person and not keep getting cut off when you need to talk to someone. There is no option on there complicated phone system for "get assistance on a prior loan!" Maybe they need to consider that.

I paid my car completely, even 4 extra payments. The contract I signed was for $18.00 less than they billed me EVERY month from day one. When the time came to receive the title Santander kept billing me and so I paid a few more than in February. They told me I had to pay $548.00 to receive the title. I paid $548 more (Have the paid check). I have never received the title and they have turned me over to collections. My credit shows a Charge Off!!!

We purchased a car in 2009 with a loan from Santander. Due to some unfortunate events, we had to file bankruptcy in 2010. This loan was included. For the amount of $19,853.00. My bankruptcy is over now. I received a letter from Santander today saying my balance due is $32,000.00. Not quite! The car was only $20,000 to begin with and my bankruptcy trustee has paid them monthly. They are a big bunch of rip-off artists. I'm not paying these morons twice for the same car.

We purchased a Chevy one year ago and paid $13000 for it. Make $440.00 monthly payments. Wanted to trade it in for a newer car and even though we made payments our pay off was 20,344 dollars. In actuality we are being charged over 7,000 dollars in interest even though we will not own the car. The blue book on the car is 13.600 dollars and our pay off should be around the blue book. How in the "H" do they get away with this. They're international crooks!