Santander Consumer USA Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.