Santander Consumer USA Reviews

I had a Home Equity Line of Credit (HELOC) with Sovereign Bank which became Santander. Everything was great with Sovereign, but once Santander took over, everything went downhill - FAST! Twice they processed a regular monthly payment as a principal only payment which made my regular payments late! They refused to reverse these payments so not only was the payment late, but late fees were incurred. Finally, I had enough and requested a pay-off amount. Went to the branch with a bank check, and the teller at first didn't know how to process the pay-off payment and then couldn't find the loan in the system. Turns out she wrote the wrong account number down

We obtained a loan from Santander Consumer USA in July 2011. We have made payments every month on time since we obtained a loan. In June 2013, I was laid off so we communicated with Santander that we could only pay what we could afford at the time with a family of 4. They accepted these partial payments. My parents co-signed on the loan and then filed BK in 2013. Santander decided not to communicate with us by letter or phone calls about anything, yet my parent's lawyer had Santander remove them from the loan as soon as the BK went through. 2 weeks ago, I paid the minimum payment and yesterday our vehicle was recovered because of an overdue balance.

I have two more payments. They say l owe 4000 dollars on my account for being late. I pay on the 31st every month. My payments are on the 5th of the month. I paid early 71 times and Santander said l paid late. I never paid late. l just would like to be treated fairly.

My mother in law and myself both opted for title loans on vehicles. WHAT A HUGE MISTAKE! My mother in law passed away April 2013, however, my wife continued paying the loan consistently every single month, never late! She however being the person she was, notified them of her mom's passing. 7 months passed with my wife paying the monthly installment. One night around 1:45 am in the morning we hear a knock on our door, puzzled we look at our security camera screen and see two people standing on our porch. Delirious, we both go to door. Two guys with a tow truck parked in front of the car, with lights flashing told us they were there to take car per Santander. We were SHOCKED! And embarrassed, knowing neighbors saw this crap!

I was awaken by a loud noise @ 11:16pm (3 hours ago). My car was being uploaded until a tow truck. I have been laid off more times than I can count within the last 2 years. However, I've kept Santander in the loop at all times. I just started a new job last Monday on the 5th of May, and I will have a full paycheck on May 23rd. I even worked overtime because I need to pay so many bills. Well because I was only 59 days late on my car payment, Santander told me that I was not on the repo list. Well who in the heck just towed my car!!!??? This place is unbelievable. People beware. I told this loan when offered because no one else would give me a loan. Yes at the time it seemed like the right thing to do because I'm a very responsible person. However, I can't control layoffs. Due to layoffs my savings is non-existent. So here I am with no damn car. As much as I need it, I'm kind of glad that I'm done with Santander, and I no longer have a car that's worth $9K but I owe $15K.

Called Santander to get help with the car. One rep told me they could lower my payment for 6 months and they would need to place me on hold. The line dropped. Called back, spoke to an offshore agent. Said my account was ineligible for any assistance. I told them to lower their payments and interest or come pick up the car. The girl said someone would call "right away". Still waiting for the call... Car is still outside -- 2 weeks later.

The story is long so I'll talk of the last 2 problems. First I had problems getting a debit card due to their own inability to update my address on several occasions!!! Yes several times! 2 years ago, a branch member suggested I open this so I did as it was explained there are no fees etc. However, shortly after I found it had a $5K max monthly withdraw limit. Since this would not work for me, I transferred all funds out ASAP. 2 years later, I'm told this $5K limit did not apply. I then asked about fees, etc and was told the only thing I needed to be aware of was to maintain a min. of $100 a month auto deposit.

My auto financing was transferred from Capital One to Santander Consumer and I have had nothing but trouble with this company. To date, May 13, 2014, I am not able to contact this company or speak with a representative. I am employed by the Federal Government, and last year government employees were furloughed twice from July to December, 2013. I sought assistance from Santander Consumer to modify my loan until the furlough ended. Santander approved the modification and I made timely payments but I am reported late to the credit bureaus, my loan's maturity date keeps changing and I have unpaid fees and charges that are increasing and that are not accurate.

Never ends. I am also having the same issue. I purchased my car in 2007 and still owe $15,00.00 on my car. When I spoke with a Santander rep he pretty much told me to refinance because the type of loan I have they will continue to find a way for me to be in debt to them. Problem is I have too many miles to refinance. I know better next time.

This company is breaking anti-trust laws. They keep changing people's maturity dates on their loans and keep using add-on interest for late payments. This is just bunch of BS. They are owned by a a company outside USA and think they can get away with abusing people. My maturity date keeps changing each month and this is just BS. If you ever get offered loans from this company, refuse anything to do with this company.

I just got a loan through them. They never sent me my paperwork. They never emailed me. They called me yesterday to ask for my car payment (which I have been asking about). I explained that I received no acct number, no notice, nothing telling me when my payment was due. I called the car dealership to find out about it.

I've been paying on my car for the last 6 years and the maturity date for the loan was suppose to have been last November. The maturity date was changed to a maturity of January 2014 as I had my payment deferred twice during the life of the loan! The loan should have been paid in full by January of this year, however, now at the end of April 2014, I still owe over $7500 and for the life of me I can't figure out how they got to this amount still owing. I've also spoken to numerous folks there, only to obtain erroneous information.... Right hand doesn't know what the left hand is doing!

I visited the Santander Bank in Townsend, MA on Saturday, April 26th at about 9:45 AM, to cash a check drawn from a Santander Bank account. Since I don't have an account there, I went in to the lobby. While waiting for my turn (less than 10 minutes), I witnessed three in-lobby customer/bank employee interactions, all of which were unsettling. The first was an elderly lady almost in tears because her recent deposit of approx. $8,000 somehow was missing (she had paperwork to support her claim but the teller seemed completely disinterested or incompetent in helping her). The second was a person who came in and asked to use the restroom and was rudely told "NO". The third was another woman who had questions about her account, and the bank employee told her at least three times "I don't know", before it was my turn.

I purchased my car in 7/2008 in the amount of $14,560; my monthly payments were $416.07. It is now 3/2014 and Santander is telling me that I owe them $10,483.28 which means that over the 6 and a 1/2 years that I have been making payments, they only took off $4,077.13. I admit I had some late payments but this is ridiculous. My contract with them matures on Oct. 2014 and I owe that much. I am pissed. I will definitely look up the civil suit against them, but I don't want to give them another penny and now I am having problems getting the vehicle refinanced. Urgg! I really need some help! This is unfair and we should not take this.

I bought a 2008 cobalt brand new. I was financed thru drive financial whom then later sold it to Santander. I filed bankruptcy in 2009 and reaffirmed my car loan of payments of 478.50 a month, rip off 25% interest rate daily interest. I paid on time for 2 1/2 years and I thought I was rebuilding my credit and I went to purchase a different vehicle thru GM and could not get a loan. No car loan showed up on my credit report so I had no credit history since my bankruptcy. SO I went to another dealer to see if it came up again and they stated the same thing.

I am waiting for a copy of my car to re-register it in another state. I have been an auto loan customer # ** with them since May 013 and up to now, I have had no problems. I moved from PA to NYC in March 2014 and I called their customer service dept. numerous times because of a copy of the title I need to re-register my car in NYC. My PA registration expires on 4/30/14 and I have been getting the run around for your customer service for 4 weeks now. I am disabled and suffer from stress disorder among other problems. I have paid my car payments on time and there is no reason for this problem. I need my car title now, and I will not be able to register or drive my car in 2 weeks (April 30, 2014) if I do not receive it. I have not heard back from anyone at this time.

Been with this company 3 yrs. Never late on payment until one time, I made arrangements to pay more than half on due date then remaining balance 3 days later. Well, that was the worst mistake I made. They use the phone and internet as means to deceive you to add extra charges. Auto pay = made me believe by telling me over phone auto pay was activated. Checked online, it said on their website auto pay active only to learn 3 days after payment due, it was not taken from my bank account. I called and had to pay $11.00 convenience fee. This went on for 3 months. I finally decided to refinance my truck and relieve myself from this unbelievable situation I was in. They are nothing but crooks and anyone saying this company is a good one is full of it and most likely work for those lowlife greedy idiots. And I did contact BBB of Dallas to at least stand up to these morons.

Santander lost my money order payment. I send in every month two separate money orders for payment, one was processed, the other was lost and they do not want to accept responsibility and want me to pay additional $15 to get another copy of money order. The manager William ** also lied to me over the phone and said that my money order was copied before getting lost/shredded. Who knows....

I purchased my car in 2/2012 in the amount of $ 17,074; my monthly payments were $ 479 monthly. It is now 3/2014 and Santander is telling me that I owe them $16,334 which means that over the 2 1/2 years that I have been making payments they only took off $740.00. Well I refuse to pay them any more money and I have found a civil suit against them with Norris and Davis law firm. Guys, I advise you to google the lawsuit against Santander and let our voices be heard. This is unfair and we should not take this. I have already filled out the paper work. I will pay no more and I will refinance.

I was recently on maternity leave and haven't paid for my loan for 4 months accurately. I try to make little by little payments the best way I could. Unfortunately that wasn't enough to keep my car so my car was eventually repo. I called Santander and talked to a manager and asked if I could have my car to drive back home but he said no. So I was stranded with no money in carrying a newborn child at the mall. I was extremely angry the way the manager was treating me.

O sent payment electronic through the bank and they denied receiving over $10K and tried to repossess my vehicle to cover it up. If everyone would contact the Federal Attorney General Office with the complaints regarding this company, then something can be done. In federal complaint would may generate a federal investigation to their shady practices and perhaps violations to the Consumer Protection Act. Please file a complaint on the federal site http://www.consumer.ftc.gov/ (they really want to know). Do your part to end these shady unethical practices.

On fixed income send money order I get thru post office every month. Payment is due on the 25th of each month. I mail payment on the 3rd of each month. By the time the 25 gets here, they say they can't find the money order which then puts my account behind. Which screws up credit by account being in default. Then they tell me that in order to locate the missing payments that I have to trace them myself thru the post office which takes another 60 to 90 for post office to trace. In between, account goes into being late. I still continue to make payments each month while post office tracks other. Sincerely pissed off & upset.

I bought a vehicle from a local car dealership. The dealership turned the car loan over to Santander for the financing. After financing for a couple of months, I paid the vehicle off. I wrote a check on the 25th of Feb and it cleared my bank on 3 March. I called Santander to confirm that they received the check and they said they did. I asked what was next and they replied that I would get a check for approximately 43 to 45 dollars. A couple of weeks went by and I didn't hear anything from Santander. So I called and got an automated line asking for my account number or social security number. I tried both options several times and the automated system replied that it could not find any record of the numbers I entered.

I tried to get a friendlier interest rate on a revolving line of credit that turned into a loan. They originally gave me an unsecured loan at 2 1/2% interest for 1 year. After 1 year the rate went to 8%, but only after charging me $250 annual renewal fee. Now after a branch manager incorrectly told another manager that I was going out of business, this has spiraled into a nightmare of epic proportions!! I agreed that I was going to pay the loan back in full and they sent my account to the "work out" division before it goes to collections. I had 3 appointments with the branch managers who acted as if they wanted to help and did nothing but sit back and watch as this got closer to default every month. I tried to fix this for 6 months before getting to where I am now. At this point I must have my attorney act on my behalf. I was their customer for over 20 years, with 2 different successful business', moved millions of dollars through them and now they want to rape me for whatever they can in fees & penalties they can get. SANTANDER SHOULD BE DEEPLY ASHAMED OF THEMSELVES!!!

I got a car about a year ago now financed through Santander Consumer... I was injured at work and since it has caused a disability and I am still out. I am not getting my full wages that I was making when I first got the car due to worker's comp etc.... Which I have let them know about. They haven't wanted to work with me. I told them I would like to change my payment date to possibly make paying easier on me financially so I could split the payments up. No... You already changed the date in the past.. Well, this is because of my disability and the change in pay schedules. No... The policy is for 1 due date change for the life of the loan...

I made the mistake of helping a friend out and co-signed for a vehicle. This loan was originally rejected By Wells Fargo due to his bad credit rating. Somehow Santander assumed the loan without my knowledge. Unfortunately the person I helped out turned out to be a deadbeat and I did not realize how bad things were until I went to refinance my car. The bank showed I had 2 Vehicles and the Bank denied me getting a lower interest rate. Also... Santander put my name as the primary owner. Never have I ever stepped foot in this vehicle... insure it ... or ever drove it.

I purchased a vehicle over 6-7 years ago, and the price of the car was $19k. As of 2014, the car price is still the same. I purchased the vehicle for $19k. I was told the interest is high and that any payment late will affect the principal amount. To this day, I am still paying on this vehicle and would like to trade it to get another vehicle and I am unable. Everyone stated this is robbery and something must be done.

I financed my car in 2007 with CitiFinancial and my mature date was scheduled for October 25, 2013. The company sold out to Santander and I've had nothing but problems. I have paid 615.88 for a total of 73 payments which my original agreement states I should pay 72 payments. I have paid almost 45,000. Today, they still say I owe over 8,200.00 more. How can this be? Even if I were to be late 72 times it wouldn't add up to 8,200.00. I tried to speak with the company and they told me I had a balloon payment which I don't. I even went to the dealership I bought the car from and they told me I didn't have a balloon payment.

I have been paying on an auto loan since 2007. Pay off should have been on 02-07-2014 and which I sign the contract for 60 months. So I called santander and they said its adding interest, so then they told me my pay off is on 11-07-2014. I don't understand.

This company should be ashamed of themselves. I bought a car in January 2011 for a little over 16,000, which was financed. This year March of 2014, something told me to call to see how much I owe on my vehicle. The lady that answered the phone told me that I owed over ten thousand dollars on this car that I had been paying for over three years. I was paying 500 dollars a month which meant I have already paid 18,000 dollars on this vehicle, which is a 2006 mustang. But they were trying to tell me I only paid 6,000 dollars on this car in a little over three years. That's not good for business.

Worst company ever, they don't care about the customers. It's all about the money, if you are not educated about the pros and cons of car loans, they will take you for everything you have, and some. I definitely would not recommend anyone using this company for their finance needs. They are below terrible.

Well I've had this auto loan for six months and I was reviewing my payments and noticed my balance was more than I original borrowed. I have not been late and missed no payments. So I began a chat with them, was told about simple interest, so I asked for an Amortization Schedule; they don't work off them. I notice nothing was being applied to the principal, after that I realized I need away from this company as quick as possible. Stay away from them. Also found a possible class action lawsuit, **.

First of all, I would like to clarify that a debt is a debt. I pretty much understand that when you owe you need to pay. That's not an issue with me at all, always intend to pay and I have been paying. The issue started when I changed jobs and I started getting paid twice a month. I spoke to a rep and I explained that my income had changed and that I was getting paid twice a month. And that, I wanted to find a way that I could pay my mortgage at the end of the month. Ok that didn't work it can't be done according to them, I would have to modify.

I just to say I'm pretty lucky that I got a loan through Santander. I applied through road loans with a 532 credit score. One 500$ down with a 24 line of credit. I was in a bind at the time and made the smart decision to buy a cheaper vehicle (06 Colorado) from CarMax for 11k. I've had the loan for 1 year now and since run into some more hard times. Santander will call you every day, but you owe them money so at least there's a reason. They've been helpful accepting a late payment 3 months out.

Made 72 payments (last payment 2/14/2014) on the car & Santander is still saying WE OWE a balance of $1200..Account balance $2000. I spoke to a manager..He asked if I wanted to surrender the car & I said NO! He looked at my account and said that he sees a problem with my account and he would call me back. No call back. I have different pay off amounts and none of them are right in my opinion. The most I owe them is 480 in fees. Online account says a payment is due of 955. When I call the automated it says 721.00. Not sure how they are coming up with these figures. They have sent me a default notice to pay off the car by the end of Feb. I was told to ignore it that it was sent in error...never have gotten one from them before. I asked for some thing in writing to say that it was sent in error..nothing.

I had to pay over US$1,550 in fees and charges for my student son who had an account open with this bank for 60 days and received 48 charges of US$35 for withdrawing as low as US$10 when he had no money in the bank. The bank was requested to put in place a US$250 overdraft limit... Not only did the bank NOT do this, they also did not cut the account until it had incurred a month's (30 days) worth of charges. When discussing the problem with the manager in charge of the account I was informed..... "that is how the bank makes its money...."

Citifinancial hired Santander to take over their auto loans. At the time of the change I was due to pay off my loan a year early. Santander sent statements with erratic payment amounts. They called me every day from numbers all over the country. Citi was still involved by report of employees I spoke with trying to resolve the harassment. Although, I paid the loan off 10 months ahead of schedule, there is a negative on my credit report reducing my score and I haven't been able to get it corrected.

Our payoff date is 4/22/2014 and Santander is saying we owe another 7,984.54!!!!!! For what!!!!! We called them and their response was "too bad, get a lawyer"! Our original lender was Rancho Santa Fe and they sold out to Santander, not by our choice! How can they get away with this???? We are hiring an attorney!

My CitiFinancial loan taken in 2008 was sold to Santander a few years ago. My maturity date is showing as May 2014. but my balance is over $8k. I have exactly 4 payments left, $500 monthly, but a balance over $8,000??!!?? When talking to the rep today, she talked in circles and just said "As long as you make the remaining payments on time you'll have a -0- balance as of May." Something made me look up complaints and I came across TONS of them on this site, with the same issue I'm probably going to have in a few months. Like others mentioned, a large % of many payments was applied to interest rather than principal, and the amounts are all over the place. HELP!! What can we do?? I need to be prepared for what's ahead, should I have issues showing it paid and obtaining my title... Thanks!!

Seeing a whole lot of complaints for same issue I'm having. If this many people are literally being ripped off, where is the protection to the consumers?! As many, my maturity date was 1-26-14 on my car. So how is it that as of 2-7-14 I still owe 1800.00? The full amts of payments have been made to satisfy the note and several times have made over min. due payment. The payment that shows on statements have always been made as stated of "what's owed", so where and why have if it's due to interest or added fees are those not on the monthly statements nor included in the monthly payment owed on the statements?! This is ridiculous and their customer service is worthless like all others, nothing but the run around.

Talking to a so called mgr, I was told I have 2 payments to fulfill my obligation. They refuse to supply paperwork or a physical address to me. I have threatened to go to the attorney general's office, my attorney, and they don't care. When asked for a employee ID number I also got a run around. This loan was transferred from Citi Auto Financial and even when the Bankruptcy court asked for ORIGINAL loan docs, they are nowhere to be found. Just an act of disclosure with no signature but mine and no date or loan officer initials or signature. They said they would mail me a conversion letter and nothing. They have had this loan since July 2007 and no numbers or payoffs match. I have mailed the last payment, and they say there is excess interest due. I have been paying on this loan 10 years. If the Arizona Bankruptcy court can't get loan paperwork then who can.

We purchased a 2006 Chevy Cobalt in 2007. Santander financed it for 72 months. It was financed at $14,900.00. The car note is $376.81. After making 71 payments for a total of $26,753.51 we were told that there still a balance due of $9944.82. So after making this many payments only $4,955.18 has gone to the principal. So according to them, you just keep paying them until it's a zero balance. I told the lady you all are only due 1 more payment and I don't know what is going to happen to that high balance that's left because clearly after the 72nd payment I will be done Santander according to the signed contract. They prey on people that need a automobile financing and you never get finish paying them. I will be filing complaints against Santander through various sources, Attorney General, Lawyers, Better Business Bureau and whoever else will listen.

Santander bought the loan on our motorhome from GE who bought it from our original lender. First thing they tried was to collect a late fee we didn't owe on our first payment to the original lender. That took almost a month to correct. Then they tried to collect a late fee for the first month they had the loan. They finally agree to remove that. After trying for 2 years to sell the motorhome, we called Santander to ask about refinancing. Our financial situation had changed and we could no longer afford the payments. We were told they would not talk to us at all unless we stopped making payment and they threatened to make sure it was reported to the credit bureau. We continued to make payments, never missed, never late for another year.

Car loan was paid, said it was not. Have proof, sent it to the accounting office, president's office. I just am getting a runaround. I complained to the CEO of Santander says cannot find my account. I am very angry. The car was repossessed in March and it was paid. All fees were to be credited and still have not been credited. Also ACH fees should be credited. I need the car very badly. I have a seizure disorder and my husband was diagnosed with cancer. Fighting back and forth has put a toll on my health. I am going to the district attorney next.

I lost my job and my husband has been pulling the weight. Well we did get behind in 2012 on our loan. Not to mention we are owe $4000 more than our Jeep is worth. Anyway called the company and the Rep stated he would give us a determent if we paid a certain amount. I did this and this year I received a notice that the money we thought was deterred was setting as past due collecting interest. Nov. 2013, we received another notice to cure. When I contacted them, they did another DEFERMENT. I asked to get something in writing, by mail, email something so I know this money would not sit and collect interest as past due. The Rep informed me they DO NOT SEND out anything, just keep an eye on your due date.... How can these people do business like this. We had just done a Bankruptcy and needed a new car (used) and this was who we got for a company. I warn everyone to watch out for this company...

I have a 2006 Nissan Murano and I pay my car note to Santander and the car note haven't gone down yet. It still at the price that I purchase it at. I just don't understand

My wife had a car loan from Citi Financial on a 2007 Dodge Caravan. Due to financial situation changing (wife lost job) we voluntarily gave the car back to Citibank. After buying the van used for 16000 we made 2 yrs' worth of payments on it at 500 a month. Citi auctioned the van off for 9000. Citi sold the debt to Santander and now I get bills from Santander stating we owe them 20100! Now I'm no math wizard but even with auction fees, storage fees and such, how do I owe 4000 more than the price I bought the car for after paying 12000 in payments! Ripoff of a company. Stay away from them.

October 2011, I filed a Chapter 13 Bankruptcy - Santander was included. October 2011 thru November the Trustee made monthly payments. In July 2013, the 2009 Mazda was totalled in an auto accident. My insurance provider paid the care off and the Bankruptcy Trustee continued to make monthly payments. November 2013 the Chapter 13 was converted to a Chapter 7. Santander did not attend the 341 Creditors meeting on December 9, 2013 or January 10, 2014 but on January 13, 2014 reported the debt as a "charge-off." When in actually $136.96 had been paid over the claim filed with the US Bankruptcy court of $12,608.04. Paid was 12,745.00. I live in the Dallas, TX area and there was a news report where Santander stated that they made loans to people they knew would not be able to pay them. Therefore, the car would be repossessed and resold and it seems to be doing just that.

Santander repossessed my vehicle I owe like $7,000 to pay it off I think. Anyway my husband's job shut down and we got very behind on our payments. They showed up at the house I was at and just hooked to it and took it. That was Monday and it is now Thursday. My question is are they not supposed to send something since I have paid well over 30% on the truck. Should they not send me something saying I can get my vehicle back and an amount. They cannot say they do not know the address, they went through a lot of work to find my address to get the truck, so they know where to mail the correspondence.

I have one more payment due with maturity date of 1/25/13. I understand the late payment process but not the continued interest added on something that interest has already been added. You will end up paying double or triple on the loan and that's just highway robbery. The Consumer Protection Act needs to be involved. No one should be allowed to get away with this, even people with the worst credit problems don't deserve this type of treatment. The reps act like they are really helping when deferring a payment but instead they are really just helping the company rip you off more.

Our vehicle was purchased and CitiFinancial our loan agent. My husband had two strokes, and lost his income. We called Citi to come and pick-up the vehicle, but Citi gave us modification based on hardship. We have many problems with Santander. They have attempted repossession three times, and thank goodness I keep electronic records of our payments.

I also have a horrible loan with Santander. I am trying to figure out the best way to get results. My loan was supposed to be paid off last May (2013). It now has a maturity date of May 2014 with a total due of over $5000. I have made extra payments on my account a few times, and have made the total number of payments due, however I still owe over $5000. How does this work and what do I do. I tried to trade in my car to find out that I owed even more than what my statement shows. I too inquired about having a large payment at the end and they assured me that wouldn't happen, but could not explain how it was going to get paid off in the next couple of months.

Last year Santander sent men to take my car away. On a Sunday night packed for college. I was half a payment behind. They put extra fees on me said I could get my Mazda back for $1500 before they sold it at auction for $2500 in Detroit 200 miles from my home. I was not allowed to refinance, Mazda dealers told me the car was valued at $3500 on inspection a week before they stole my car! Now they want $7500!!!! They are harassing me with threats of garnishment. I dropped out of college for a year to get a vehicle to go back. I'm a disabled veteran and they didn't care. The stress caused by this company made me have very bad PTSD episodes. Depression and shame of not having my own transportation made me antisocial. Santander was aware my money for payments was coming from the VA. They took my new life away from me...

My wife and I purchased a 2009 Kia Borrego financed through Santander Consumer USA. The salesman assured us this is a good finance company, they help people out who have less than good credit. Which due to illness and surgery is the category I fall into. We have made every payment since 11/2012 and here it is 01/2014, and the other day I received a statement in the mail stating that we're behind not one but two payments. These two payments plus late fees, interest and the current payment put the bill in excess of $1200. After reading all these reviews, I see that this is a common practice for Santander. Losing payments, posting payments late. THIS COMPANY IS THE WORST! AVOID AT ALL COST! In addition to this my payoff amount hasn't come down all that much, which tells me that Santander is pocketing almost all of my money. I'M ALMOST SURE THAT THEIR BUSINESS PRACTICE IS ILLEGAL AND THEY NEED TO BE INVESTIGATED.

On December 27, I made a cash deposit of $225 at one of the ATM locations. The ATM processed my cash for a long time, then the screen showed the message that my money could not be processed and to please remove the bills. The machine then gave NOTHING back to me except my debit card. The machine did not record my deposit at all. I immediately called customer service and a claim was filed. The representative told me it could take up to 10 business days to process. After not hearing back for more than 10 business days, I called again. It was then that I was told that the machine never recorded me putting money in and it never showed an overage when it was balanced. So I'm out over $200. I'm waiting now to hear back from a manager, which could take up to 24 business hours, I've been told.

I received a text and voicemail from the number 831-824-2047 claiming he is an investigator named Jay ** from the (he mumbled the name of the company where he works for). I text him back to and told him to stop texting my phone otherwise I will turn him in to attorney general office. Then he text back back, he said good luck on that. What the heck is he trying to say that he has no respect for the attorney general >>> Santander Bank I do not owe you anything nor have anything to do with your bank so tell whoever you hired to stop harassing a disabled person who is already suffering for a mental health!!!!

I have had my loan for a little over a year in which I've made sure to never be late for credit reporting purposes. I recently called to make a payment for December and I was told I would only owe $200 more but my account was fine. A few days later, I receive a call stating that I now owe $600 because 1 payment was not received months back. I have all of my payments and recorded conversations that I am sure will prove I do not owe any money for missed months. I am a young woman trying to survive and I do not have money to give away to your company due to errors. I requested almost a week ago for the account to be investigated and I haven't heard back from anyone. These scammers have no intention on trying to assist me in resolving this matter so I will be doing various internet reviews in addition to reporting you to the Federal Trade Commission. I would steer clear in dealing with Santander Consumer USA, they are a complete rip-off.

I have been paying on my 13 thousand dollar loan for my car about 1 year and 7 months and I'll be darn if my total amount of my loan hasn't went up rather than down! I made a pymt in December for November and September's payments but to my surprise it wasn't enough! It only covered the interest. I then noticed the day after I made the payment they reported me as delinquent in the month of December and that payment wasn't even due yet! OK so here is where it gets wild... A rep calls me on 12-27-3013 and says, "Your seven days past due. How would you like to make your payment?" Mind you, I just paid for two months like 2.5 wks prior! I told her I could pay some not all so she verifies all my pymt info (including my security code on the back of my debit card) and then has me hold for a moment and then nothing.......

Due to financial issues, like helping my parents keep a house over thier heads, I ended up being late on payments for a 2009 Chevy Malibu I purchased through Santander in June of last year. I spoke to a representative last Thursday, the 9th, and he said that I would be fine if I make a check by phone for my payment amount of 324.00. So we did... I wake up at 1:30am to my dogs barking as my car is being repossessed this morning. I called the rep at 8am when they opened and I was told that there was no record of the check, no record of the call, and no notations on my account.

Please do not use them if at all possible. They will do nothing but add fee after fee. I even had a car dealer tell me there was no hope. With the high interest and extra fees I still owe 12,606.00 on a 2008 car. I've been paying 445.00 a month for 5 years. I only gave 17,000.00 for the car in 2008...... If at all possible avoid doing business with them.

I currently have an Auto Loan with Santander as part of a Loan Modification since 5/2010. The beginning balance started as $23233 5/16/2010 with a final payment (Maturity Date) due 8/15/2015. I have had one deferment in 2011 and have always made my payments on time. My balance is $17300 as of today! With a final payoff in about 1 1/2 yrs, this will NOT be paid in full. I reviewed my payment history from day one of the loan - on their website and was BLOWN AWAY to see my payments applied so inconsistently to both Interest and Principal, with some months only to interest.

I have now discovered and it made sense with my issue as well reading others... The dealer has you sign the contract which states APR of.... Then when you look at statements online, they are applying the amount of their choice to the loan or the interest, in most cases the interest. This is why when we all believe we have paid x amount of dollars x the 72 months, it seems correct. Then they say, "Oh it is simple interest"??? Well, where does this fall into place....? Actually nowhere because we didn't agree to that. That means and should only be agreed upon if you got a low APR, and close to nothing down... then end of terms 72 with them. You would have a buy out. Well that isn't the loan I signed up for!!!! This company is as crooked as the letter z!!!! I am going to use turbo court and see just what they are pulling. Will keep posted!!!

I never intended to have Santander as my bank - they bought the bank I had been with for 9 years. Suddenly, ATM fees, crazy overdraft fees, fees completely eroding my money market account. Wouldn't it be fair to honor the terms under which the client opened the account? Also, we had a loan forgiveness payment from the department of education directly deposited into the account. We immediately used the money to pay a bunch of bills. The department of education then made a clerical error and withdrew the sum they had deposited in our account. This resulted in hundreds of dollars in 'unavailable funds’ fees being taken from our account.

Saturday night in the middle of the night my vehicle was taken. Sunday morning when I realized it I called the Sheriff to report a theft. They told me it had been repo'd. I was only 1.5 months late and just paid them 200.00 and was going to pay another 200.00 next week. I have been seriously ill this summer and lost my job. There was no notice, no consideration and of course I can do nothing about it on a Sunday. So, I have no vehicle in case I have to go to the hospital. I have had nothing but problems with Santander. I had personal property in my vehicle I needed along with my meds. They have always got their money.

Santander purchased my car loan from Citi. The first couple of years were for the most part ok. Some months, they would delay posting my payment for several days after receiving it. I know they had the payment because I always use USPS tracking. My payment is due on the 1st. My statements say the payment is due on the 1st but are dated for the 16th, which I usually get about the 20th; therefore, the payment is 20 days late when I get the bill. They would not correct this and the late pays were placed on my credit report. They also called me many times. The caller spoke very poor English. I will never use this company again.

My car got totaled not my fault. So now insurance company calls me to tell me the amount they are saying is owed, they will send them a check so I said wait, I have a different amount on my last statement... We are both on the phone with them at this point. I have now after reading many stories on here... looking thru my online statements, as well as paper ones... in a year's time I have paid $3,456.75 in interest, and $957.56 to the actual loan!!!!! We lost our car in the hurricane last year and received pmt for it, so we figured we had to get a car so let's look for something and will be able to be rebuild our credit at the same time. Well $1500.00 for my trade in, $6,000 out of pocket with an extremely high interest but payments didn't seem so bad...

I signed up for a Santander Checking account and ATM card at a VETERAN'S event in Boston, MA. Because I am on Social Security I thought this would be good so that I could make deposits with this account. The government Debit Card, Direct Express, does not allow this. BIG MISTAKE!! The first time I attempted to use this at a US Post Office the card was declined. I went next door to the Santander Bank and customer service said they did not know what was wrong. I tried it again and same thing. So now I have to withdraw a large amount of cash to go pay my rent. I emailed them and got a letter which contained gibberish about anti-fraud, etc., etc. They never attempted to help me!! The second month, most recent, time I used it online to order a song on Google Play. It declined the sale, $1.99! Now my account is frozen until I go see customer service AGAIN! Santander is the WORST in service and WORST in customer service. I will go to the Veterans Administration on Monday and request that they never be allowed back at this annual Veterans' event!

Very recently, I bought a new car from Kia Auto and they financed with Santander Consumer USA. I was told that they were the best in the entire country by one of the finance advisors at Kia. This was my first payment and I did not wish for it to be late. They (Santander Consumer) told me that I had a ten-day grace period before my payment would be considered late. So I tried to make my payment online but the automated serv. would not allow my payment to go through. So, I had to send the payment by mail instead. This was the 22nd of Dec. and the payment was due on the 21st, but they would not accept my payment by phone for some reason. I wasn't too worried with the grace period and all; I figured that it would be there in two or three business days.

On 12-30-2013 our vehicle was repossessed for back payments that Santander said we owed. We filed chapter 13 bankruptcy approximately 2 years ago and had to change to chapter 7 later. Once the 13 was filed, our payments were lowered and taken out of my wife's paycheck. But once it was discharged in chapter 7 unknown to us, the payments went back to the original amount. We were never notified, they just kept taking our lower payment, otherwise we would have made those original payments. They used the excuse they could not notify us of this because of the bankruptcy laws. Not quite true - its their policy. They can interpret the law the way they want, according to our attorney. If this was true, why are they talking to us.

I didn't realize this was still sitting out here. In my experience, Santander was a great company to work with. Their customer service reps are polite and knowledgeable and if you get in a jam they'll do all they can do help you through it. Granted, their interest rates are pretty high but they issue sub-prime loans. If you have good credit steer clear of Santander as you'll be able to get a significantly lower cost loan from someone else.

I have had my vehicle for 3 years on a 6-year contract, it only shows on my acct I have only paid $3500 towards the car in the 3 years. When we call and try to do an extension they say to make a half payment and they will process the request for the extension, then 7 days later they tell us they didn't approve the extension, ongoing issues about this, so I have decided to let them have it back.

I purchased a Kia Optima in 2007. It was brand new and I got it for 16000. I was able to finance through Citibank Auto Finance for a period of 72 months with the payout being in July of 2013. We had bad financial problems a few months after purchasing the car and deferred a payment. The next thing I know, I received a letter stating that my loan had been sold to Santander and received another account number from them. I was unaware that a financial institution could sell your loan to another lender without your knowledge or consent. I have had to ask for 2 more deferments and received with no problem.

This is the worst company I have ever seen or heard of. I wonder if I can have everyone who has had issues with Santander so we can file a class action suit. I see a couple of attorneys have filed in other states. Please send me an email if you want to file a claim against this company and I have found a lot of inside information on this company and it is time for us to stand up to this company. Make sure you have all your documentation in order, letters, phone bills (showing all the calls you made to the company) and make sure to keep names of who you talk to. My husband made arrangements with this company to get a settlement agreement and they did not send the agreement per the agreement. We have called 4 times today to get the agreement before the deadline today and got nowhere.

I recently opened an account at Santander bank. At first it was very frustrating as their computers were down and I had not as yet received my debit card and pin number. Therefore you had no way to access my monies. I did complain about the situation. However the next day the system was back up and I received a lovely call from the branch manager to make certain everything was okay with my account. Really refreshing to have such excellent customer service. The branch manager even provided her personal email and information. I'm a happy customer!

Santander bank operates like a third world bank. I just opened an account with them and it took 7 days to get my debit card... but no pin. A separate letter comes with your pin information, which I still have not received 10 days later. Plus, their computer system is down for three days and you can't get your money from a teller or deposit checks??? What bank in this day and age doesn't have an IT department and shuts down like this???? BE VERY AFRAID TO USE THIS BANK!!!! They are back two decades. BAD NEWS! I wouldn't send my worst enemy to them!!!!

Every payment you make will be posted incorrectly. Even when the payments are 2 weeks early, they will apply the whole amount or almost the entire amount to INTEREST, and nothing to principal balance. Of course your loan never gets paid down! When you call there the CS agents are trained to tell you how simple interest loans work and try to make you think you are wrong. I know how simple interest works. You pay interest for each day of the cycle you are using their money. If you pay at the last minute, or even late, yes most would probably go to interest and not principal balance. If you are ever late you would also have late fees and possible penalties involved. I am talking about when your payment is always 2-3 weeks early, and still they apply it all to interest, leaving the principal amount due/owed unchanged. Additionally, I pre-pay my account by 100.00 every month in an effort to get rid of Santander. They will even apply the extra 100.00 bucks, paid 11-18 days in advance of any due date, to interest only.

I co-signed for a vehicle with my son in NC. He sold the truck on Craigslist to one Ryan **. ** claimed he had a sick father in Fla. and was trying to get to him. He signed an agreement to assume payments. This was done without my knowledge or consent. I have the notarized agreement. Of course, ** never made any payments. We helped the lending institution locate and repossessed the truck in Ariz. It was sold by this financial company. The initial lending institution went out of business and was taken over by Santander. Santander began calling, harassing, verbally abusing and generally behaving like thugs over the phone. I sent them a check, which they have never credited us for. I have received one statement from them over 5 or so years. I have sent them copies of the sales agreement with ** and from the first lender. I have asked them to stop, to no avail.

I happen to know how Santander buys contracts, they make the dealer discount it 20 to 30%, plus charge usually the state max APR, ex. $12000 price, dealer gets check for 9000 dollars, so Santander gets $3000 off the top not counting the interest rate, which $12000 at 60 month at 21% APR (state max in Oklahoma). The interest is $7637. So for a check for $9000, they stand to collect $19637. Its total absurdity and violates not only consumer rights but car dealer rights as well. All the people are under credit duress and barely making ends meet, usually on the poorer pay scale and disadvantaged. This is as bad or worse that the housing mortgage problem and needs to be addressed. They are using unfair practices against the consumer and a class action suit needs to be filed and it will be filed eventually.

I got a loan with Santander through Carmax on a 2010 Kia Forte. The car was originally $12000. I got $374 payments for 72 months. Yeah, my credit is not that great. I've been paying since 11/2012. It is now 12/2013... I calculated it to about $4,488 that I've paid in this year's time. My "Account Balance" started at $13,789. I am now at $12,759. Can someone please tell me where the hell the rest of my money went? I am reading these other reviews and I am in complete shock! WHAT CAN WE DO?! THEY MUST BE STOPPED! THEY ARE TAKING OUR HARD-EARNED MONEY!

Today I woke up and my Vehicle was gone, I called the police department who stated to contact Santander Consumer. Since May, my wife and I have been trying to get a "Trip" payment on our account so that we can lower our payments for 6 months. We sent in multiple forms that were printed on a laser printer (don't smear) and signed it and paid for faxing it to them. They kept stating that the paper was blurry, the ink was smeared, that the signatures weren't legible. So again we sent the paper again. After a few weeks of doing this, they finally stopped sending the forms (which they stated had to be sent every time for accurate dates).

I was informed by email that my regularly scheduled auto pay for my loan had expired and I needed to set it up again. This notice was delivered on the same day my payment was due. I have NEVER missed a payment, so I called Santander to verify that my payment would still be on time and that I needed to set up auto pay again. I was told yes, it would be on time if I set it up that day. I followed the instructions given and set up another auto pay for the remaining months of the loan.

Santander Consumer USA is a rip off. I struggled for over 7 years to pay my account off, and they wait until I only have $425.63 left to pay on my account and then charge it off. This will be on my credit report for the next 7 years. I am so angry right now. I did not receive a telephone call nor a letter informing me that my account would be charged off, and I just made a payment on October 22, 2013. The customer service representative did not inform me of my situation either at the time I made the payment. Had I known, I would have made every effort to make sure that my account remained in good standing. Seven long years just for my account to be charged off. I am very dissatisfied and would never recommend that Santander Consumer USA finance ANYTHING for anyone I know. I just want it off my credit ASAP!!!

I don't even know where to begin. They have just been horrible from the minute my account was sold to them. It was like CitiFinancial sold my soul to the devil. I have a 2004 Honda Accord. I got the car in 2006. Along the way we had some financial bumps in the road and had to do deferments. You are allowed a maximum of 8 deferments. Please keep this in mind because what they DO NOT TELL you is and what is very deceiving is if you do a deferment the total number of months is what is allowed not the amount of deferments. Which means, if you did a deferment in December 2011 for 2 months, that is not 1 deferment. That counts as 2. If you did a deferment in March 2012 for 3 months that is not a second deferment. That is now actually 5. They don't tell you that.

I recently lost my job and still am able to get the full payment although I am struggling and asked if I can just have my date changed towards the end of the month and was told to refinance my car and would add about another 3 yrs to my total, ** YOU!! Fine, I'll pay the late fees but in the long run you're losing out. I'm 27 and plan to buy cars as soon as done paying the previous one. I'll MAKE SURE I NEVER USE YOU LAMES!!

I bought a used 2005 Mini Cooper and financed with Santander USA. In the contract that I signed it said that my APR would be 19.8% which is high but me being a first time car buyer, I understood and went along with it. Only to find out that they are charging me a 24.8% APR. These are mafia interest rates. And when I called to confront them about this I was told that it was the dealership that caused the increase. I can’t believe that it’s even legal to charge these insanely high interest rates. Fingers crossed for a refi.

I bought a 2008 HHR new with Citi Financial at $22,000 total. Then they sold to Santander. I was to be paid off in Feb. of 2014. I called and found out right now I owe $12,000 on it and because I have been a month behind for some time, they are charging me $5.35 per day so in a month my $500 payment is only putting $330 per month in principal. So in Feb., we are still going to owe almost $10,000 for about 30 more months. Can't do it! I can't believe this!! I will fight until it kills me and turn them over to anyone I can. If we keep the car, it will end up costing us a total of $51,000 for a car that is now worth $8,000. Bring the fight on!!!!

In May after struggling to make car payments I was able to make the payoff for my car. I called Santander and they told me my payoff was $1500 and the payment was made on the phone with a representative. A few weeks later I received a letter saying PAID IN FULL and the LIEN was removed and then received the title. However I kept getting phone calls from them and a bill. I ignored it because after all I have the title so I figured they had an internal error and would catch their mistake sooner or later. Yesterday I received another bill for $864. So I finally called them and the first rep I spoke with did nothing but tell me what her computer was telling her. After thirty minutes she told me that I had filed for bankruptcy and a payment had been reversed and that's why I owe them money. I never filed for bankruptcy so after going back and forth with the rep she gave me a supervisor who, again, told me only what she was reading and didn't look into it at all. Admittedly I went off on her and hung up.

I have bought a 2012 Chevy impala and I had Santander pick me up. I bought the car in Dec of 2012 for 16,000 and I got 1,500 off of that, so I would have 15,000 owed but I have paid on it for 10 months and it is 19,000 at 72 months. I was reading all the reports that are on the internet and I was just wanting to know should I just let the car go back. I have a 1999 Chevy extended truck that I own outright. Just thought maybe somebody could give me a little advice of what the heck I should do because if I can never own the car, I do not need it. I will do something else. Can anybody help me?

I am a new customer to Santander Loan. I've been with them for 5 months now; I pay my car payment through auto pay. I was late with my 2nd payment by a week; I only received one call from them. I immediately called them back and asked if I could change my pay date to help me. They assisted me with that with no questions. They were very helpful and very nice. I have "so so" credit and I was able to buy me a new car with no money down. Yes, my payments are a little high but after driving my previous car, which was a 2001 car and falling apart, I was grateful for Santander that they let me have this car with zero down.

I purchased my car in 2005 in 2009. I am still paying for this car. I can't seem to get this car loan down. I finally got so far behind, my car was repoed 10/21. I was able to get the money to pay the past 3 months of car payments but not the 400$ repo fee. What the heck makes them think I can pay an EXTRA 400$ when I can't even pay my regular monthly payment? Anyway, I asked how many payments I had left. The gentleman told me I have eleven payments left. So my boyfriend offered to pay my car off for me. So we did the math and it would cost 4700$ to pay my car off.

Insurance paid claim. Car wasn't totaled. Had to send them check to sign. Was sent September 13, 2013. I prepaid for damages done to my car which left a balance of 819.05 due the body shop (check was for $4819.05). After body shop submitted final bill due, they finally received their check for $819.05 on the 14th of October 2013. I have called Santander and told them I wanted my money sent out (the $4000). I was told TODAY the money wasn't posted to my account until Tuesday October 15, 2013. I will have to wait 30 days before receiving it. I also paid off my car on the 15th October 2013. I only owed $777.07 payoff amount. YET, they keep a check for $4000. It's NOT their money. They should return it as quickly as possible, not 30 days. They have had the money for more than 30 days. It was fed-ex'ed overnight on September 13, 2013. So, could you e-mail me on what to expect next please?

I have had a horrible Experience with Santander since the day I purchased my car... I have a 2007 Toyota Camry Se. I bought the car from a Toyota dealer back in 2009. The car was only $17,500 - And I put $2,000 down for a down payment... I have had the car for almost 5 years now and I still owe Santander $14,500. Something just doesn't add up with this Company - if you're late, constant calls non-stop Sunday through Saturday... This Company has no consideration whatsoever for its customers... I have had many car loans in my life and this company by far is the worst... Saturday, October 18th, I made a payment through Western Union. Late Sunday night, Santander had my car repoed... What a ** company...Try and stay far away from this auto loan company if you could help it... I don't know if I even want to get my car back...

I have a complaint because I fell behind and so I signed a modification agreement which reduce my payment to 267.00. So I signed the agreement and faxed the papers to them. So instead of making the 267.00 payments I started paying 400.00 a month for 6 months. Woke up one morning and my car was gone and they told me I was four months behind and I need to pay the told payment of 4000.00. So I told them about the agreement that we had made. They then told me "well, you still have to pay 1392.00" when the day before I paid 400.00. So in all they got a total of 1792.00 for four payments that they said that I was behind and never was behind. I also have to pay storage fees. They also going to charge my account for repo. Why do people who do right get stuck and ripped off? We had a signed agreement and still get screwed. Please help us stop this.

For the most part, employees are pretty helpful in setting up payment plans, etc. However, the moment you are a few days late on a payment, expect endless calls! Unless you mail a check, you're stuck paying a $11 fee to make a payment for each payment, on top of your ungodly interest rate and other fees. Never again.

My account was originally with Tricare. The account was bought out by Santander. I was never informed by Tricare that they would be seeling to Santander. I have been late several times and have asked for deferments. I have been paying for a 2005 Kia Sorento since 2005. I cannot seem to get caught up. Each month I'm being told that I'm further and further behind. I have way overpaid for this vehicle. Each time I call I'm being told something totally different about how much I really owe from their customer service department. I'm so frustrated, I don't know what to do. I've thought about just letting the car go back. I feel like they're tacking on hidden fees somewhere because my account never seems to be going down. Please help.

I purchased my auto in 2007. First, I was financed with Citi Finance. Next in 2010, I was financed with Santander Consumer. I had a 4 yr auto loan. I had 2 extensions with Citi Finance and two with Santander. My payment is $264.00. My car is to be paid off Nov. 2013 of this year. But it is told to me I owe for another 18 mos. but they cannot tell me why I still owe 5,000 dollars... So now, my car won't be paid off until 2016. I do not owe them the $5000.00. I need someone to look into this because it looks like I will never own my car. Please help me.

My loan was sold to Santander. Since then, my situation has been utterly confusing. My maturity date constantly changes, representatives are unable to adequately explain mysterious fees, they have constantly called me even though payments were on time, etc. What a nightmare! My loan has matured several times and I am finished with my payments. In fact, I have overpaid on this loan. It's quite odd that according to Santander, I still owe over $10,000. Quite odd. Especially since not one representative can fully explain why. Santander will not get away with their deceptive practices! Please join one of the class action suits. Power is in numbers!!!

I got a history payout as my loan is to mature Dec. 2013. I thought it very odd after 72 months of payments I still owe over $5,000. They lowered my payments, kept interest the same, would not change due date. That alone puts me at more fees since I only get paid one time per month. After figures these guys will get over 32,000 in profit. Looking over several comments I am not a loan ranger here. It seems Santander has a practice of ripping off. No wonder number one in car loans. They prey on the vulnerable. God help them but for now help us the consumer. Someone must be able to help these wolves. That is what they are. I understand profit keeps things going but stealing people's hard earned money is wicked and evil.

I was hoping when I financed my vehicle that it wouldn't be with Santander. My grandma had her vehicle financed with them and she was ready to give her vehicle back because the amount she owed went up and I am having the same problem. I'm just hoping I'm wrong and this how finance works. I asked why my normal payment of 267 went up to 273 in January (I am currently three months ahead) and I've been paying 300 every month for over a year and even one payment of 400. Yet my payments still went up and I was told by customer service "Don't worry about it, that happens with financing. Just keep making payments and you'll be done in no time."

I financed my 2006 Hummer in December 2011 for 14,000. Had my first payment in January 2012. So on yesterday I went to a car lot in hopes of trading my car in under the impression that my car is at least halfway paid off only to find out I still owe 13,777. I told the salesman this cannot be correct but little did I know it was. There was nothing that explained this to me when I bought my car.. And oh yeah my car is not any of my credit reports, not one payment!!!!!!!!!!!

My auto loan was due to mature July 2013. The original date was November 2012. I did receive deferments on the loan, but each time I was told that my account "was brought current." Now, I am being told that I still owe over $3000 for late fees. I have had a substantial drop in income and am struggling to make the payments. The problem I have is that I feel those statements to me about the loan being current was misleading. How does a current account accrue fees at the same rate as a delinquent account? Each time I am late, I accrue another fee. At this rate, I will never pay off this loan. I think the amount of the fees they are charging is excessive.

I called them because my loan matures in March 2014 and the math on my statement did not match up. When I called, I explained to them that my loan matures in March but after March, I will still owe 3,222.95 left. The lady seemed like she had no clue how to respond. Without listening to my concern, she then decides to just email me my payment history. My loan was originally with CitiFinancial and was bought by Santander. As she is speaking to me, I was telling her that I am reviewing the statement she sent but all she kept saying was "Review your statement and call us back". I said, "Ma'am, I AM reviewing my statement and I don't understand it so why am I calling back?" She said again, "Review your statement and call us back."

I have had Santander for a couple of years now and they are a total rip off. They continue to call my family and friends trying to get a hold of me and that is such a bother. I have paid them and I do not know where this money is going but it doesn't look like that it's going toward my car payments. I would like to know who I can report this company to for being such a rip off. I was told that this company has many lawsuits out against them because they are taking people money and not handling business like they are supposed to. If anyone can tell me how I can be part of the lawsuit, I would appreciate it.

Making our very first payment, we notice that 90% of the car payment being made is going on the interest so making a $560.00 payment, only $27.00 goes towards our principal. Spoke with Santander and they stated that we have something called a simple interest and this is how it will be for the next 2 yrs. I have ever heard of such and was never aware of this during signing. I feel that I'm being completely ripped off!!!

I was at the end of my loan, defaulted on the loan and had a pay arrangement with company. My car was repoed and I did everything I could do to get my car back. Had my car back the next day less than 24 hours. I never received any paperwork from the night my car was repoed. Then I paid off the car within three days. I received my title email confirmation on 9-16-13. Why did I get paperwork in the mail dated 9-12-13 with an intent to sell my car, really... on 9-19-13. By then I had already paid the car off on 9-16-13... Checked my account today, 9-24-13. My account is past due by 12 days. How is that possible and the loan is paid in full.

My truck was outright stolen! We tried to work with these people for over six months on a warranty issue. They'd make huge promises on the phone but wouldn't do anything. They sent guys with guns onto my farm in the middle of the night. I had to stand between my truck & their tow truck while they went on about how they were going to leave with the truck. The sheriff's deputy we had out told them to leave. We sent a final payment to Santander, and they sent their goons out to a friend's property where we'd secured the truck to get the situation resolved, and they broke through their gate in the middle of the night. If you're in Missouri and have had similar horrid experiences with Santander breaking the law, call G Brad ** - he's a consumer's rights attorney looking to start a class action suit against Santander - tel: 573-446-1100.

Call me cheap, I don't care - this company charges $15 to make a payment - and claims it's a charge for Western Union. I'm so upset that every time I make a payment, $15 that could have gone towards interest is going in their pocket - I hate the company.

It has been the most miserable experience dealing with these people. If you mail your payment expect 7 business days for your payment to post. If you actually think you have a grace period on your loan, you do not. You may not get hit with a late fee if your payment is received within the 10 day "Grace" period but here is where the additional interest piles in. If your payment is made on different days of the month each month you could in fact never pay your loan off. The manner in which they calculate interest on loans is the worst possible way for a consumer to make payments. The only sure way to get out of their trap is to have an auto debit each month from checking on actual due date.

I had a loan for a vehicle and the loan was sold to Santander Consumer USA. I sold the vehicle on August 26, 2013. Prior to selling the vehicle, I had contacted the Santander Title Dept. on two occasions to discuss the lien release. They had on both occasions told me that if I would send a certified check, that the lien release could be sent as soon as the money had cleared and all was showing paid. They said that a personal check would require a two-week delay for the lien release but a certified check would expedite the process. I conveyed this to the buyer and assured him that I could get him a clean title within the 30 days required by Kansas law based on this information.

I had a car loan with Sovereign Bank which was sold to Santander. My employer decided to change our payroll to the 15th and 31st of every month. I contacted Santander to change my due date and was told the latest date they can give me was the 25th. I get paid on the 31st and ask if I would get a late penalty and was told no. The representative explained the 10 days grace period. I noticed every time I logged into my account online throughout 2013, my maturity date changed several times. I contacted Santander in September and was told it was due to the due date change.

I went to try to buy a new car today and found out Santander is saying my car was a repo and I could not get a loan. I bought a 2005 Ford Taurus in 2006 through DRIVE. They later changed to Santander. I had nothing but problems with them from the get go. I sent my payment to DRIVE and during the name change Santander said they never received my payment. I was told by one of their representatives to put stop payment on my check and wire them the payment. In the meantime a wrecker shows up one evening gets into my yard with a locked gate and said they were repoing my car. I called Santander and they said they had only the one payment I wired and when I explained what I had been told and that I was told everything was taken care of they just kept repeating they had no records. I told them there had to be a mistake when they transferred the records.

This company has to be the worst company in the US. Here is my story, short and sweet. I had a loan that was not originally through Santander but my loan was purchased by them. I could tell the difference immediately - piss poor customer service, harassing calls asking for payments that had already been made on time I might add, and late fees because they neglected to post the payment to the correct account. So I traded the car in for my new car, the payoff amount was agreed upon with the car dealership and guess what, 1 month later I was contacted by Santander stating that the agent didn't have permission to accept a payoff in that amount and that they needed me to make a payment or they would repossess the car although a payment hadn't officially been missed.

I paid off a truck loan with this company last week. I paid it off ahead of schedule. They show I owe nothing yet list my account as delinquent and now they are calling me several times a day... I had several VMs when I got home yesterday and they called again this morning. I did a live chat with one of the reps online Thursday who told me the loan is paid off and said she would update the account so it does not show up as delinquent. This is a disgrace!

Made 72 monthly payments of $ 385.07 per month on a 6-year car loan. Got the loan August 2007 with CitiFinancial Auto. I had one month extension February 22, 2010 while with CitiFinancial Auto. On 9/6/2010, my car loan was sold to Santander. In 2011, I had a Chapter 7 bankruptcy but I kept the car and made every payment on time. After the bankruptcy, Santander blocked my internet auto loan account so I could not make anymore payments online but had to mail them a check every month via USPS. When I called and asked why, they said that this was normal procedure. So no more monthly statements for me.

I purchased my 2004 Mitsubishi Eclipse in 2007 with CitiFinancial, and Santander took over the loan when they bought out Citi. My loan was completed in June 2013. My 72 payments completed! We had put 3 payments to the back of the loan a few years ago when my husband was in an auto accident and out of work for over a year. NOW Santander has been sending letters demanding $6284.00 in what they say are fees and interest owed on the loan! We have tried to talk to them, to make some sort of an arrangement. They said they can refi the bal and we can pay over another 3 years!! And any late payments will continue to cause interest and fees of over $9 PER DAY!!! At this rate we would NEVER pay off this car!!!

We fell upon hard times, eventually, our vehicle was repossessed by an agent of Santander. A couple of weeks after the repossession of our 2007 Jeep Liberty, we were informed by notice sent in the mail that they disposed of our Jeep for less than $300.00. We were shocked, and our bankruptcy attorney was shocked too.

I purchased my vehicle in 2008, the cost including taxes and finance came up $21,000.00, with CitiFinancial. Now with Santander which whom I cannot get any paper work in order to find out what transactions has transpired. Paying $303.70 per month. I did a deferred payment about a year back for 6 months due to illness, but the payments were still $219.00 for the 6 months. It is now August 2013. I asked in a phone conversation with Santander as to how much I still owed on my vehicle. The response was $10,200.00. I still couldn't get the gentleman to send me a complete amortization of my loan, he stated he could not do that. Yet he again let me know what the amount was that I had left to pay. That will take another three to four years to pay off.

Santander Consumer harassed me with phone calls regarding payments when I was never convinced that I had delinquent payments. I contacted the payoff department and paid off my loan with a certified check and was told when to expect my title. I was told that my title was mailed 08/07/2013 USPService and I have not received it as of 08/20/2013. If my title was mailed and has not arrived to me or been returned to Santander Consumer, then could my title be in the hands of some criminal who is going to come and claim my car?

We bought a 2003 Ford Expedition in 2007. The loan was originally serviced by CitiFinancial Auto. In 2009 like many others, I received notice my loan was now being serviced by Santander. During the course of our loan yes I was late several times due to financial difficulties and did get a 2 month deferment. The original maturity date of our loan was July 2013. With the 2 month deferment, our new maturity date is September 2013. We are now looking at our loan and we still owe over $8000 by September 28, 2013. I asked for a complete amortization of the loan and after going through it, I added up all interest paid to date. Comparing that with the expected total interest to be paid on the loan as stated on the original contract, I have discovered we have overpaid the interest by the exact amount left to be paid on the loan. This is a clear indication that my payments are not being applied correctly. Something needs to be done about this company.

Santander would call me all hours of the day and night until I complained to the Federal Trade Commission. They then started a better procedure. I bought my car in 2007 and in 2013 I still owed $8,700. I only paid around $13,000 to begin with... so according to them, I paid hardly anything for 6 years. I paid extra and the payments never went toward the interest. When I called, they stated that I had to get it in writing if I wanted it to go toward the interest. Then I was paying them $400.00 and then $200.00 same month to try to catch up. They repoed my car when I reversed it and paid $200.00 first (2nd repo).

My car was repossessed by Santander Friday August 9, 2013. I have been paying on my vehicle since October 2008. I was financed also with CitiFinancial until 2009 when I received a letter to start paying Santander. I am a single hard working woman, with whom got behind a month on my payments. I went to get in my car Friday morning to go to work and no car. I knew it had been repossessed because of the way the marks on the parking space was scratched. I called Santander and was told that I needed to pay up for July and the late fees. I admit I had some restructured payments in 2010 due to illness, but I caught up on my payments. Till now I was doing well with the $304.00 a month payments. The vehicle was $8,000 to start then added the interest, taxes added came to $13,000 and some change, why is it that I still have a balance of over $10,200.00 and now repossession fees of $1200.00 added?

Santander purchased the loan from CitiFinancial. After trying to understand why my car loan is so inaccurate after that transaction and getting nowhere with the customer services from Santander to help me understand the differences, my car was repossessed by Santander. In less than 24 hours after the repossession, the car was moved to a different city despite the fact that I made a pay off payment and they said the car was in a secure local location. All the personal items inside the car including my tag license plate are somewhere else I don't know. They damaged the car door, which I have to fix to my expense. This whole experience has been very difficult, starting from how to pay off the car as they only accept wire transfer from two entities not your bank, to the amount of extra fees they add for everything including transport back to the original city. Not to mention I still don't know why I owe all the money they said I owe. When I contact them about the damages and the lost personal items, they just bounce the ball to different companies involved in the repo.

Be warned there are many complaints and the employees are not always informed as to what they are promising you. I was given options that were NOT in my best interest and was not informed of the consequences - My payments were not always recorded on time and while I am not as bad off as many of the others out there who have been charged much more I would NOT recommend ever getting a loan with this company. I have placed a complaint at www.consumerfinance.gov and if you believe you have been wronged by Santander Consumer USA, please do the same. Be aware there is a place to add documentation so have it available to attach if you can. Hope this will help a few of you who read it.

Okay, I know that some people are going to look at the 4-star rating and wonder why I did that. So I thought I was making regular payments via my bank account (auto draft out). Turns out my bank stopped doing business with Santander and my car was repo'ed. This was Friday, the 9th of August 2013. I call them Saturday morning when I found my car gone and they told me what happened. Called my bank and that is when I found out why it was repo'ed. So I contacted Santander back and the lady on the phone was very nice. I had almost $1,000 owed on the car and they pushed back half of that (I pay $350 a month) and took care of the towing fees after I explained what happened and my bank talked to them. So all in all, very nice experience. I didn't give it a 5 star because I wasn't called by Santander, but I should have been on top of it anyway.

Several large dollar amounts added to my account and no explanation able to be given. After complaining, locked out of ability to see my account online anymore. I purchased a car around April 2007 on a 72-month contract to which financing was made available through CitiFinancial. Santander purchased my contract from Citi when they closed and I have been making payments to them since. I am currently 74 months later than the purchase date and have a balance of $6900 for some reason so I began to investigate. I discovered that there were several large amounts of money added to my principal (the most recent $5950 in November 2008) and phoned Santander after getting no resolve by emailing, concerning this addition as well as several others prior to this particular one.

I purchased a vehicle 2 years ago through Fifth Third Bank. Fifth Third bank sold my loan to Santander. As a result I owe way more than my car is worth. Santander states that we have a simple interest loan versus an APR loan. Pulled my contract that I signed at the dealer. To my surprise I do not have a simple interest rate loan. I will be contacting an attorney for not following my contract.

I have a loan with Santander. From the first day, everything was wrong. First they keep saying, "We never received your payments," and would charge high late fees and would never post the money to the account. What that means is that you are considered late and know the harassing phone calls start. They will set up an arrangement and then break it. Then the balance never goes down . This company is bad. Needs to be stopped. I would like to tell everyone to keep the good fight because together we all can win. God bless.

On July 13th 2013 I walked into Universal City Nissan in Hollywood, CA to see Nissan cars and see if was able to be financed knowing that my credit might not be that good and considering that I had a discharged Bankruptcy a few years back. I am 72 years going on 73 this year and when I arrived to the Dealer I was shown a few cars. Seeing that the car was not for me but my daughter and son in law, my son in law came with me to see the cars. Well we were only shown 3 cars and so we basically had to pick one of the three. So we decided on the Murano. Well Roadside Loans accepted our application at a very high interest of 11.89 APR. We signed the contract and went home that day. Well my daughter saw the car and said that the car was too small for the 2 young children and her and my son in law.

I had the Mis-Fortune to work at Santander Consumer for about 1 year. In this really bad economy you take what you can get as for work. Big mistake. First I was shocked they do not drug test. Here is a company you are giving financial info such as SS # and checking and credit card info and do not drug test? OMG. They also watch you like a hawk. Micro manage you. Listen in on your calls. Nitpick those calls and then take away the bonus money they tell you you could get each month. They even scam their own employees just like their customers. The Apple don't fall far from the tree.

I wanted to buy a car this year knowing I paid my car off 2 years ago with Santander. But over a year ago I explained to them someone from their office contacted Experian to have the info removed off my credit report. I paid for my car over 24k and don’t have nothing to show for it on my credit report. I contacted Experian and they stated Santander has to call them or give the information in order for them to place it back on my credit report. I feel it’s not fair or right that they still have done what they said they would do. This affects my credit score.

I bought a car in 2012. One year later the balance has gone down only $330 for a $400 a month car payment. I surrendered the car in a bankruptcy mostly to get out from under Santander due to all the criminal acts that they continue to perform over and over in violating fair debt laws on the local and federal level. They did not respond to the federal court's informing them that I surrendered the car. They did not return my calls to ask them to come and pick it up. Finally, after 4 months I get a call from a private number with a woman saying they are a "repo company". I say, fine, the car is ready for you to pick up. I have the keys here for you. They say they will call me when they arrive so I can come out of a locked stairwell apartment and give them the keys and get my license plate. No one shows.

I obtained a car from Chrysler, then car loan from AmeriCredit, thinking I could get a better payment deal, went with CitiFinancial. While I was with CitiFinancial, I had no problems (They were a great company). Of course the bad news was when they sold out to Santander, who is the worst group of people in the world. Articles state that if you pay on time your car would not be repossessed. This is not true, as I am the person who pays this bill $267 ($270 I pay) on a monthly basis for over two years. I was out of work in 2010, and if you were going to repossess a car that was the time to do it. Not after a person is paid up and actually paid $300 extra (not applied to the fees they charged, but just stated on the bill as a $300 paid). They hold your car hostage when you do not do what they want you to do (threaten more and more money). So everyone who writes in and thinks they know what they are talking about do not know a thing. You do not wait after $13,000 payments for a $9,000 car to report non and late payments to the credit reports info.

We purchased a 2005 Chevrolet Trailblazer in July of 2007. We were financed by CitiFinancial when we bought the vehicle. Sometime around 2009 we suddenly were informed to start making payments to Santander Consumer USA. We have been making payments on this 72-month loan for 72 months now... but we still owe over $16,000 on the vehicle. Yes, we had some deferred payments and we did a couple of restructures when the payments became too much, but we have paid them almost $35,000 now for a vehicle that is worth less than $10,000... and we still owe so much more. If we continue to make payments we will end up paying around $60,000 for this vehicle. My husband is 62 yrs old and disabled on a fixed income and I am 58 yrs old and work full-time just to try to keep up with everything. If someone can help us so we can stop throwing money at this loan, please help.

I have had Santander for about a year. I would pay a little early (like 3-5 days) to make sure my payment gets there and credited to my account on time and I have not had one problem. Customer service is extremely easy to deal with as long as you are. Call in, be calm and talk to them like you have some respect for them even if you mad as hell. You would be amazed what they can do to help you without getting a supervisor if you’re just polite. Yes the interest is extremely high. But pay it and pay on time. Rebuild your credit and then refinance with a local credit union. I finance with Santander because no one else would even look at me. They gave me a rate of 19%. I paid it, built my credit, and refinanced with a local credit union a year later at 3.4%. Don’t listen to everyone else complaining about Santander. If you took a loan from them it’s because no one else would even give you a dollar.

Recently (as far back as December or more), I went on line to make a car payment at Santander for my car in order to get the payment in as soon as possible, which inconveniently cost 10 dollars to process. I realized I would not be using this step again. Therefore if there was an option to process online as opposed to having your voucher (for amount due) sent to you via mail... I never selected it yet somehow ever since then I have not received anything in the mail regarding my car payments or voucher. I have attempted to resolve this matter with the company and they keep telling me it was mailed out... for six months! They have made no other attempts to rectify the situation. If there is something otherwise they can do on their end they are not doing it or suggesting anything. They leave me hanging. As matter of fact, a call was just disconnected from me to them prior to me making the complaint. The post office stated that they have no mail pending from Santander nor Santander received any unclaimed mail. This is very unprofessional and uncomfortable! What happens next?

I purchased a 2007 car in 2009. The car was $15550.00. I put down $2500 and $14207.40 was financed. Three and a half years later, I owe 12954.00. WTF!!!!!! I called and they say I have paid $13000.00 already on the loan. My interest rate is 24.99%. That seems crazy that I'm paying for this car twice. The car was used when I bought it. This should be illegal. I could have borrowed the money from the mafia and been finish paying. We as the consumer needs to stand up and fight back and get a lawsuit on the Santander Consumer. They did it to the mortgage bank loan.

After paying off my vehicle 100% I am still waiting on going 5 weeks now for my pink slip. Santander promised they would send it right out. It's my understanding the requirement is 10 days by the DMV or there will be fines and penalties accessed. What is their problem? They certainly want their car payments in on time. Why do they make their customers wait for their required responsibility of sending out the pink slip in a reasonable time? Do they want to hang on to the ownership? This is very frustrating and I am quite disappointed in their services.

There is no such thing as customer service with this company. I am utterly lost for words. I am now receiving collection calls from Santander about my car loan. Funny thing is, I paid my monthly payment on time. They cashed my check and then never applied it to my account. It has been a week and nothing has been done to resolve this or fix my account whatsoever. I have been asked 3 different times to show proof of my check payment, which I provided 3 times. The back of my check clearly shows their endorsement!! When asked if they were going to follow up with me when this was fixed, they informed me that it was MY responsibility to follow up to see if it was resolved, that there would be no calls from them. Not only that, but they also told me the negative effect to my credit would ALSO BE MY responsibility to file a claim to have fixed.

I just realized this Company is doing the same thing to me as everybody else. How can they do this? I did not sign a contract with them. I signed with Citi Financial. How can we stop them?

I bought my Jeep in April of 2007 and my original lender was CitiFinancial Auto. They sold my loan to Santander without even a letter or phone call. One day I get a call from Santander because I was one day late making my payment. They advised me that they do not offer grace periods. I have been paying on this Jeep ever since. I did take a couple of deferments so my loan should have been paid off about July of 2012. Here is it July 2013, I am still paying and they say I still owe a little under $6,000.00. This, to me, seems completely impossible. When looking at my payment history, I can't count the number of times my payments went completely to interest and nothing at all to principal. I also notice all these miscellaneous fees but when you ask them what they are for, they refuse to explain it. I am at a complete loss as to what to do. I make a payment every month but they keep sending me to the credit bureaus as late each month.

In 2007, I purchased a car using Triad Financial. In 2008, I remarried and surrendered my car. I wasn't working and rather than have it repossessed, my husband said voluntary surrender would be better. In 2009, the charge off was on my credit for Triad Financial. Then in 2011, I started receiving calls from Santander Consumer, stating they wanted the balance paid in full. They wanted to work with me for 30 days to pay the entire unpaid loan amount (not less the amount the car sold at auction for) stating fees were added (I purchased the car for $9500.00, paid for a year, sold at auction for $3500.00, balance was $2400.00). Now Santander wants $6500.00.

I have been suspicious about our interest charges for some times as they seem very irregular on an auto loan. I printed off our payment history and put it into a spreadsheet. With making regular payments about the same time each month, it begins (in sequence) with $11.22, $15.56, $11.71, $9.59, $10.29, $8.64, and $8.08. I called customer service and the operator implied that I was an idiot because it is different each month. Yes, I do realize that interest is calculated daily, but it should not be to the extent that it varies that greatly up and down from month to month. We are almost at the end of this loan. I just want it to be finished though. I do not want to pay more interest than the contracted rate.

I co-signed an auto loan with Citi Financial for my son in October 2007 for a 72-month loan. Here it is, June of 2013, and he still owes over $10,000 on this loan. When you look at his payment history and how the payments were applied, it appears that every few months, the payments were not applied to principal but all to interest for no reason. This happened several times per year.

I have started 2 petitions to help everyone wronged by Santander Consumers. I am trying to gather everyone (which there are tens of thousands!) who have been wronged by this company and its bulldozer tactics. I'm contacting their attorneys as well as news stations.

I have been paying this company for over a year. I had financed a car with HSBC and this company took over. Well, last year, my chapter 13 case was converted to a chapter 7. They sent me a letter saying that the amount that I owed was no longer the $400 I owed while under the chapter 13; it was now over $5,000 because they went back from the time I filed the case and added interest back on. Well, I have been making these payments of $180 and they have never sent me a bill except when I paid late to let me know that my loan was in default. I don't know what my balance is or if the payments are even being applied to the loan. I don't understand how they can justify not sending me anything and the payments are not even showing on my credit report, so I really do not understand how I am to keep up with all of this.

My husband and I paid one of our loans off with them due to the car being totaled. We were owed over $600 in an overpayment. I called the day we knew the car was being totaled to verify the address and to make sure they understood the overpayment was to come to us and not put on our other car loan (which has happened in past loans with them). I updated both accounts with the correct spelling of the address. Well, a week later, we paid off the other loan and closed that account also and received the payment for that car which was less than $50. I was told in the beginning of June 2013, the check was mailed out the end of May.

I have a son in the military. He is stationed in North Carolina at the moment. Because of his financial situation, I agreed to cosign a car loan for him. From day one, Santander has committed outright fraud. Within a month of the purchase, someone had taken out a bunch of payday loans via the internet using my name and address with my son's bank account information. My son didn't discover this until he was questioning why his bank account was so depleted. I've been regularly receiving calls from them, I presume to try and get money from me. It was so bad that I ended up blocking the numbers they used to call me. As it is, I don't answer calls from callers I don't know, but the calls were frequent and annoying.

I got a loan from Santander USA back in November 2012. This was the only bank who was willing to approve me b/c I have a work permit that expires every year and no one else wanted to take their chances and Santander USA did. This is my first car loan on my credit and I got 13.8% APR, not too good and not too bad either. The only thing I don't like about Santander USA is that they use a third party for online payments like Western Union, MoneyGram, etc. and their fees are almost $11.00 per payment. The good thing is that they post the payment on my account the very next day and send emails saying they received payment and they have posted the payment too. Yes, I could set up my account on auto pay but I really don't like that. I'd rather send the payment early than have to wait till the due date. Now I am planning on sending additional principal payments by mail. We will see what happens. I'm only giving them 4 stars b/c of the online payment system they have. Otherwise, it will be 5 stars from me.

My husband and I got a Jeep Liberty from them; the car is a 2004. We had a problem making the payment on time because my husband was laid off and I am disabled. They wrote us a letter and wanted $1700. The car payment is $465 a month. We called the CEO/President of the company and he made special arrangements with us. The billing office is still sending letters to us after they were called not to send any letters and that we had talked to Mr. Thomas Dundon. I guess the billing and call center are not listening to us or the CEO. They always get their money. Some of the people at the call center are rude.

I bought a 2004 in 2006. The original loan was with CitiFinacial, who later sold it to Santander. I paid off the van in July 2012. Here it is, June 2013 and I still don't have the title. I can’t sell the van because I don't have the title and when I went to the DMV, they said their system still shows CitiFinancial as still having the loan. I need the title but have no way of getting it. They said they sent it out on July 16,2012. So why haven't I gotten it? I got a letter of congratulations for paying the van off, but nothing else. How do I get the title or any paperwork from them?

I paid my vehicle off on 12/04/2012. Santander never sent my Veh. Title to me. I called them several times, and they stated it was sent out on 2-7-2013, but I have not ever received the papers. I called again today and was advised same information, but today I was to check on line to Titlemyway.com - which doesn’t do a thing to assist getting my papers for my car. Please advise what I might do to get my title from DMV, please.

First of all, when you call your "lender" and they have to say "we are a debt collector," that should be your first tip that this company is not on the side of their customer. The second tip is when you you've paid off a car and they owe you money yet they've set their system to cut you off so you can never reach a representative (I was able to, a different phone and their system didn't recognize, finally get through)... Anyway, I have used Santander on two different occasions. The first one I paid off in about 16 months. The problem with this loan was that I traded the vehicle off and the dealer got the payoff check there a day late. Santander put the 30-day late payment on my credit. They will not remove!!

I hope a lawyer sees our complaints and helps us. I'm paying 25.99% interest plus $9 a day for everyday that I have had my loan. May karma bite the car saleswoman in the butt!

I bought my car back in 2008 for $14,500, financed with everything out the door right at $18,000. At that time, my car was financed under Citibank @ 11% interest. My payments are $391 a month, and yes, I have missed some payments here and there, but nothing major. Here I am, five years and one company buy-out later, and I still owe $12,000??? What the heck have I been paying for??? I thought I would be close to paying this car off, but I have barely made any progress.

Started out with another auto-loan company. Everything was just fine. Then they sold my loan to Santander Auto, who are nothing short of thieves and crooks. Most people pay online these days and companies push it. I regret being late sometimes, but never past 30 days, so they could not put that on my credit report. At first, I kept paying the late fees like I thought I was to do, but late fees were not being credited as late fees off my account, so I called them a few times. They said it would be corrected, but again it never was. Said I had to mail late fees separately and I could not pay them online.

I received my first car loan in July 2007. I purchased a 2004 Toyota Camry. My finance company was Citi Financial Auto that was later turned over to Santander Consumer. I made my final payment of my auto loan back in October 2012. It's June 2013 and I haven't received my title of ownership yet. First, I call the DMV to find out what the problem was and they told me there was no record of Santander Consumer sending a lien of transfer to them. Next, I call Santander Consumer and the first problem I had was that their hotline would disconnect many times. After the 5th time dialing and entering the information, I finally get through to a customer service representative.

This is one of the worst companies I have every dealt with. I wish I had done my due diligence prior to doing business with them. They have charged excessive fees and I don't know how they can get away with this. I had damage to my car and the insurance company paid the damages of which Santander USA had to endorse the check. I even provided them with an express envelope prepaid to return the check to the auto body shop, and instead they deposited and it's been 2 weeks. The car is ready to be picked up and they have failed to return the money. How they can get away with this type of service is beyond me. I have just read through so many complaints, it makes me sick.

We purchased our auto on February 17, 2007. Within 24 hours, we had to go back with the vehicle as it broke down going home. We were told we could not return it and that our trade vehicle was sold, which we found out months later it was sold in a crack/cocaine deal. We were initially with CitiFinancial and the original agreement was a very high interest rate, and that they were going to lower that rate in half within one year. Of course, that didn't happen. We were smart enough when we purchased the vehicle to take a policy; whereby if one of us became disabled, that insurance company would make the payments. Within one year of having the car, one did become disabled. However, it took a while for the payments to start.

I lost my job in February 2013. Until April, I always made my payments on time. When it became difficult for me to make the payment, I contacted Santander and was told to call again around the first of the month and they had two programs available, one to defer the payment for two months and another to drop the payment for six months. I called, and they took the information but requested that I make a partial payment and, that way, the payments would be deferred until July. I did that the next day. I was told that I was not eligible for the lower payments for six months but I figured I could get through until July, and then restart the payments.

I got a loan from Santander in September 2011 for a Pontiac G6. At the time of the purchase, my loan was $15,500. After making 16 payments of $370, my balance was still almost $14,000. After I realized this, I refinanced the loan through my bank with a lower interest rate. The bank sent the balance in full electronically directly to Santander on January 15. It is now May 17 and I have still not received a lien release. I've called them multiple times. They have hung up on me and treated me very rude. They keep telling me to go to some dead end website and that I have to pay for the lien card. What a joke. This company is crooked.

I purchased my 2005 BMW X5 from Carmax in Houston, TX in November 2010. The finance company was and still is Santander, of course. My first payment wasn't due until January 18, 2011. I began sending payments in December (a month in advance). Beginning in January, I started sending in a little every week, believing that I could eat up some of the interest by doing so. They accepted all the funds I sent in and continued to do so for the next year and a half. Some months I paid more than $900. I was always ahead about 1-2 months.

I don't owe that much on my car. Santander just picked it up - repo. I had them take payments automatically, and Santander took 2 payments out. It was a mess. They did put it back. I was told that I was several months behind. I just sent them a payment. Now I have to fight to get my car back. God only knows how much that is going to cost me. I'm permanently disabled, and I don't get that much a month. How can this be legal? Someone, I need help! My mother lives with me and she is on oxygen, and we need this car. Please, someone help us!

I am wondering how to get this company in trouble for the inconsistency of the loan % rate. I am currently paying 18% interest and accrue 5.55 on top of the interest rates daily. My 09 Dodge Journey, I owe $11400 and $1400 in the past 4 months has all been accrued to interest. I am sick of paying money and going nowhere. I need to know how we, the consumers, can get them by the ** and get them for fraud!! This is a balloon note and I will never get the loan paid at the rates I am paying.

I purchased my Kia Sportage in 2006 for $19,000 and was supposed to be finished in January of 2013 paying it off. In October 2012, I spoke with an agent and asked them exactly when I will be done paying off the vehicle. The agent said that I would be done in January 2013. When I went to make my final payment, the agent asked me if that would be for the total amount owed and I said yes. She then stated they would be putting the final payment of $15,595 on my card. I told her to stop and that I only owed $558. She said no, that even though I had already paid $38,000 on my vehicle, I stilled owed $15,595 due to fees and that I had only paid off the interest on the car. If I paid $2,000 they would re-amortize over another 6 years. I told them I wasn't making another payment on the car and they could forget it. At the end of March, they took the Kia.

In April of 2011, I received numerous phone calls, all during the day and night, for my car payment. I had already paid my payment. I told them that. I also went to have the receipt of my money order traced. It was cashed by their company. They still did not put it on my account. I had to pay an extra month.

There were continuous calls from early a.m. around 5:00 a.m. up to 10:00 pm; I could never understand who is calling since it's overseas. As soon as the phone is answered, the call is disconnected. They were threatening calls and would call up to 25 times in one day! There are consumer complaints in every direction. How does this company stay in business and better yet, why hasn't our Attorney General gotten hip to the problems we are suffering with this company? What is the use of complaining if no one does anything?!

I purchased a vehicle in 2007 for $16,000 and in 2009, Santander took over my loan from CitiFinancial Auto. It is now 6 years later and Santander stated I still owe $10,000. My initial interest rate was 15% and due to the Servicemembers Relief Act from my husband's deployment, our interest rate decreased to 6%. You would think the payment amount would decrease but instead, they are trying to increase my payment from $278.49 to $343.65. They say I still have 31 more months on my loan. I have no idea how this can be possible. The longest car loan term that I am aware of is 72 months or 6 years.

I got a 2004 GMC Envoy. I first got a loan through Citifinancial in December 2006, but then Santander bought it in February 2007 from them. Over the life of the loan, my wife and I have had some financial hardships. We had to request some deferments in order to keep the SUV and a re-possession came earlier this year. However, we caught up with everything, and we’re looking to pay the car off soon realizing that some interest has accrued. All of that is fine. I understand that. However, I cannot understand why I still owe approximately $5,800 after my so-called maturity date which is on June 15, 2013.

After my loan being sold by Citifinancial, I was so sick of the calls starting the day the payment was due. They would call 10-15 times a day! Happy to finally be able to pay the car off, we thought we were done with Santander! But we got a letter back from them on 2/5/13. It stated that during a recent file review, it was determined one or more late charges were improperly imposed on my account as the result of a software system error. They sent back $139.25. Has anyone else had this happen to him or her? Maybe we should find others to get back the interest they owe us. Of course they did not happen to mention paying that back, too!

Simple interest loan - my **! In the 18 months, my payments have been applied inconsistently against the principal. There has been no rhyme or reason as to why the payments have not always been applied to the principal, just the bank policy to rip-u-off! Stay away.

The original car loan was purchased by Santander. The account payment records are inaccurate. They do not tell you the truth about payment deferment, extra fees, exact payoff amount on monthly statements, try to avoid telling you the real outcome of those options, will repossess your car with huge fees, damage your car and the electronics system, give you delayed payments options only to cause you to lose the car, pay more high interest, and attached more fees to get more money. I cannot believe the US allows this company to conduct business. They are worse than a predatory lender. Yes, you pay more interest rate due to credit issues and they in turn ruin your credit more with misleading options. You will never ever pay them off once you request deferred payment that they will offer you. I'm praying to God for a blessing.

I asked if I could get two payments extended at the end of the loan. I never heard from them until today. They said no because they want me to bring my account to current. Hello! I’m in a financial bind because the money that was to go to the payment went into fixing the vehicle. I got screwed by the dealer, West Herr, and by the bank. They charged me an 11% interest for a 2004 truck that has so many problems. It sucks because I have three more years on this loan, and I already paid the blue book value of this truck. I’m ready to voluntarily surrender it. If they lowered the interest rate, it would help; but I really don’t see that happening because they want their money. I will never go through a bank for a vehicle for as long as I live, and I will never go through a dealer.

I purchased a vehicle in 2007 with CitiFinancial. Santander purchased my loan. The loan showed $17,000 and they are claiming that I still owe $12,000 with the loan maturation date ending in April 2014. I spoke with four people, one being the supervisor named Marie, who after talking to her for forty minutes with a bad connection told me to hang up and call back because any representative could help me. I asked her to please call me back and she refused. I called back and spoke with another person named Damien, who told me the loan was not adding up and then he hung up on me. I called back again and re-explained myself to yet a fifth person named Rebecca, who told me that she would message the accounting department and they would contact me. I requested to speak to someone in accounting and was told that is not allowed.

My original loan was through HSBC finance and was sold to Santander sometime in 2009. After reading reviews, I was afraid of the company, but found that as long as my payments were not over 30 days late, I had no problems. I paid the loan off as scheduled and the sent me my title within a month. Been paid in full for a year now without the world ending. I believe if you pay your debt, there will be no 'mix ups' and your auto will be safe from being repoed.

I have recently been in a terrible accident. I purchased a 2010 Dodge Charger in Feb. 2011. At the time, my credit was very poor and I took the 20.99% interest and a $642 a month payment because I was making enough money. Due to the accident, I ended up filing BK and reaffirming the car which I should have let go but kept without trying to negotiate a better interest and payment which, of course, they accepted (lesson learned). My family expanded sometime after that and the Charger was no longer practical. I started looking for an SUV in 2012 and, of course, I was upside down. Being on the back side of the BK, my credit score was rising and I was able to get financing for a new truck which was more suitable but I had to leave the Charger off as a trade-in. I was convinced that I could sell my Beautiful Charger easily on my own which I started in Nov. 2012.

They repossessed my truck, spoke with a lawyer stating it was a good case who did not have the fee being charged upfront, so I guess that is another one they got away with. I have called also and left a message for consumer affairs and also submitted on paper. This was 6 years and 2 months of paying on a 2002 Jeep Liberty saying I owed more money. I have spoken with 3 different people. One person stated that I owed $5000 and another rep stated I owed on seven deferments. I spoke with another rep and asked me of how much I owed on the truck; if owed any payments, it would be one month. The rep stated he would get back with me to it off Mr. ** credit. I just told the rep to take us to court and let the judge decide. They sold the truck for $2500 and still were trying to collect $2500 more as they say was left on truck. As a single parent and with a child who has a disability, I struggled hard to make payments on all for nothing. Kudos to Santander for being crooked with people and nothing can be done. We are not rich and this company should be stopped for doing this to people and not to mention the bank to back phone calls and rudeness.

I financed my car with Citi Auto Financial in 9/2007, sometime in 2008. The loan was sold to Santander. I had no knowledge of this at the time until I started to receive harassing phone calls from some of the most ignorant and unprofessional representatives at Santander telling me that my payment was late. However, my on-time payments were being sent to Citi Auto, not Santander. After making 71 out of my 72 payments for $298.43, I am now being told I have a payoff of $8,700 and my maturity date is 9/1/2016.

I financed my car with Citi Auto Financial, November 2006 sometime in 2010. The loan was sold to Santander. I had no knowledge of this at the time until I started to receive harassing phone calls from some of the most ignorant and unprofessional representatives at Santander telling me that my payment was late. However, my on-time payments were being sent to Citi Auto, not Santander. After making 71 out of my 72 payments for $298.43, I am now being told I have a payoff of $3,405.12 and my maturity date is 3/1/2013. I called because I knew there has to be some sort of typo error on my account as well. I was told I had 4 deferred payments since 2008 in which I only recall two and I am being charged all this interest. However, my statement indicates I have no unpaid fees or charges. This doesn't make any sense. The math just does not add up. I was told until I pay off the balance, I will continue to accrue interest. This is the worst company. I honestly don't know what to do. How can they get away with this?

I made payments on my recreational vehicle from early 2004 to early 2007, and I voluntarily repossessed it to the company and eventually it went into charge off on the original company's credit records around 2009. However, this company, Santander Consumer USA, is now in possession of the note and is reporting to the credit bureau inaccurate information, that I made good payments from early 2006 to early 2011 - clearly and outright inaccurate credit reporting as I did not own the vehicle past early 2007.

I have read the comments here, and it looks like Santander swindled us all; and then some. After signing on a 14% interest and working three jobs to get this damn car paid off as soon as possible, since my credit was bad then and I had no choice, I figured I could work extra hours and pay it off as soon as possible since it was an open loan. Two months later, I learned Santander adjusted my interest rate to 26%. There was no reason given. The dealership didn't understand it and no one could give me an explanation. Hello? I signed the paperwork for 14% and it didn't matter to them. My payment went from $236 to $398 overnight as they added extra fees in, but no one could tell me what the extra fees were.

These people will repossess your vehicle at the drop of a hat. Mind you that you can get it back, but there's the $450 fee that they add on top of your past due payments, plus storage and $150 to have a key made. Near as I can figure, they've discovered that repossession is a new profit center for them. Avoid using them if at all possible. Buy the $500 used car cash rather than a loan from these people if that's what it takes. They've repossessed my car twice costing me over $1,000. I had payment arrangements with them, but they picked up the car anyway. These people are not to be trusted.

In 2005, I purchased a 2002 Expedition that was initially financed through WFS Financial until Santander bought their accounts. The amount financed was $24,645.00. I made all 72 payments on the account. Thinking I was making my last payment, customer service informed that yes I had reached the end of my contract but due to deferments, late fees and finance charges, I still owed them almost $12,000.00.

I got my loan with Santander in 2010. I love my car and had no problems with Santander until I had my car refinanced with Wells Fargo. I got a much better monthly payment and lower interest rate through Wells Fargo. Anyway, when Wells Fargo gave me a loan to pay off Santander Consumer USA car loan, they overpaid by $500. I mailed the check to Santander who thanked me and congratulated me for paying off my loan. However, I paid it off in September 2012 and have not yet received my refund. They have acknowledged they owe me the money and have only not paid me due to incompetence or mistakes on their part.

Is there a class action suit for Santander? I am supposed to be finished paying off my car in 9/2013. I found out I have 16 more months of payments because of some scandals with Santander scheme people for more money without telling them. My car has no value. The statement does not include a breakdown of interest and principal paid from payments. I had no idea I was being ripped off. Now I owe thousands more in interest, but this information is never included on my statements.

I have had my vehicle now over 5 years, proof of having paid $33,000.00. Now, with the vehicle being older and having lots of miles, it is hard to trade and they say that I still owe $19,000.00. They need to be stopped. I’m angry.

I had a loan with Santander on an RV which I traded in for a new RV. In the trade transaction, I gave the new RV dealer a check for the cost of the new RV minus the trade-in plus the balance owed on the traded-in RV, which they were then going to pay off. They sent a payoff amount which was more than was owed to Santander. Santander verbally confirmed this, but my online account as well as the payment history and paid in full document they sent me only shows the amount applied to pay off the loan. Nothing shows the actual amount paid or the overpayment.

After reading a couple of the posts, all I have to say is that Santander is by far the worst car finance company in the US. Both of my vehicles were repossessed in October. 2012. The first one, they showed up at my door at 8:30 at night, took the car and we never heard another word regarding that vehicle again. I called them to try to get information and each time it changed. I found out through an attorney that that vehicle was sold to a car dealership in upper Nevada. The other vehicle was taken out of a parking lot. Apparently, I was being followed by someone with a camera attached to their car. We called them and like they tell everyone, you have so many days to recover your vehicle, don't believe them! Three days later ,my vehicle was sent to auction and now they want what they couldn't get for it from me, but yet still nothing on the first vehicle has ever come up!

I purchased a 2006 Expedition in 2/2006, which was financed through Bank of America. I paid a total of $13,873.01 to this loan. The original loan was for $39,942.58. I refinanced the loan 8/2007 with Citifinancial with a balance of $26,070.57. I have paid a total of $23,603.94 to Citifinancial from 8/2007 to 8/2010. In 2010 I received a letter informing me that Santander is now taking care of my account due to buying Citifinancial. I have paid a total of $14,958 to Santander from 10/2010 to 12/2012. They are calling and harassing me stating I owe a balance of $3,482.14. I have overpaid them and now they are trying to say I owe interest. I am furious because as a total, I have paid $67,419.95 for a truck. I need help and fast.

In October 2006, I bought a 2004 Chevrolet Blazer from a local dealer. Citibank financed the truck. Citibank sold my account to Santander in 2008-2009. I had my account set up for payment due dates on the 10th of every month to allow for the USPS to deliver as my monthly SSI check comes on the third. My payments have never been late. I've never heard from Santander or Citibank over the life of this loan. I paid the truck off on November 3, 2012 having made 72 payments. Santander has forced me to make two over payments of $279.13 each and refuses to send me my title.

Santander repossessed my car today. When I spoke to them, they are saying I still owe them $2,445.55. However, their online site shows I only owe two payments, which would be $1,020. I've made 58 payments out of 60. My last payment was November, and now on January 2, they repossessed my car. I have to come up with $2,850 in 30 days, or my car will be sold. How is this right? I asked the customer service rep if he was stating I had $1,420 in late fees, and he kept stating it was deferments, but I still made 58 payments out of 60, and some of them were more for the payment amount.

I made 74 payments on an auto loan that was only supposed to be 72 payments. Bills still show that I owe $2,065.12 on the loan that I have overpaid on. My letters to them did not get a response. My phone call was disconnected when a hit the key to speak with a customer service representative and when trying to file through their web page customer service contact, it gave me an error message. I would like my title back and to stop receiving requests for payment on this loan.

I paid Santander 7 and 1/2 years on a 6-year contract and then I quit making the payments. Four hundred twenty days later, they repossessed my 2001 F150 pickup on the 26th day of December 2012. So what do I do? They say if I pay them $3,555.00 by the 9th of January 2013, I can have my truck back. They owe me a year and a half of payments back, so can I make them give me my truck back? Please someone let me know something.

This company is a predatory lender. I looked at my account and realized that I had made over $3,000 in payments on my car but the amount still due was higher than when I started the loan. Do not use this company.

I financed my car through Santander in August of 2011 for $21,391.83. As of this date, I have paid around $7,000.00 in payments and my estimated payoff as of this month is $20,089.75. I have contacted the company to try to get the interest rate and payment lowered. I was told I would need to do that through a local bank. That cannot be done nor can I trade it in because the value of the car and what I owe are so far apart. Making the payment is not the problem. Having the majority of the payment go to the interest and not the principal is the problem.

I purchased a 2006 Dodge Charger and had it financed through Santander. Immediately after I bought the car, I was followed by repo and private investigators all over the place. I know this because one of the bosses that I did security for was also into repossession and our company specializes in private investigations. These people would follow me to work and everywhere else. Now it is worse. I am now doing retail, and they are interrupting while I am doing business. One of these men came to my store smelling like alcohol. The other men were spread out throughout the store pretending to be interested in our products. I pointed this out to my supervisor, and he agreed they were very suspicious. All of this on camera.

In September 2010, our loan was sold to Santander. Since then it seems our balance hasn't gone down. In 2011, I was laid off but managed to keep making payments - some on time and some a little late, but payments were made. In November 2011, I asked if I could do a settlement which was for an amount that the vehicle was worth. Well the lady said she'd put in a request, but much to my surprise (just found out today December 7, 2012), the request was never put in. In June 2012, I asked for a furlough since I no longer had income. Again, no record of my call. The Tuesday before Thanksgiving, they took my vehicle. Mind you, my original loan was to end this month, but they still have me owing over $8,000.00.

My father (a WWII veteran) purchased a car, and the loan was sold to Santander. He paid on the loan for over three years. In 2011, he had been having some health issues; and in 2011, he had a heart attack. The payments got a few months behind. My father is hard of hearing, so he gave Santander permission to talk to me on the phone. After his heart attack, he tried talking to them and got chest pains. I told my father that I would get the situation resolved. Little did I know that I was dealing with an extremely crooked company. I initially told them I would send two payments and would have the loan current by the end of 30 days. They told me that they would not accept anything less than $4,000 and that the loan was being written off. There was only $1,500 due at that time.

I have a loan with Santander. The balance due in the statement that I received is $1500 less as the one in the automated services. I spoke with a representative, and she explained to me that accrue charge was applied for almost $1500 and my maturity date is November 05, 2012. Every time, they had money to the loan in order for you to keep on paying them. My balance was $1378,45 and the automated services stated $2800. This company is a ripoff.

If there is anyone out there that is as frustrated as me about how Santander is ripping them off, let me know. I work for an attorney in Lexington, SC and I am going to be suing Santander. I am to have my car paid off as of March 2013, but they say I owe 23 more payments of $526, which is $12,098.00 plus interest. I have already paid $31,560.00 for a car that only cost me $21,000.00. This is crazy. Send me your story at ** if you think you want to have a class action suit against Santander.

When I bought my 2006 Mazda 3 from a dealership in Hurst, they advised Santander would finance me. On my signed contract after interest is paid, I would pay $24,000 for my car. To date, I have paid over $30,000 and still paying. I have made over 50 payments, and all my payments are still going to interest and I am on time. I am a single mother and have been furloughed twice. I don't get regular court order child support, even though in court, in this recession; and Santander did nothing to help me during those tough financial times. They would sign for FedEx-sent payments and refused to post payments. They call harassing calls all the time. They are the worst loan company to deal with.