Santander Consumer USA
reviews and complaints

My auto loan was owned and serviced with HSBC Auto Finance Company (without incident) until March of 2010 at which time Santander became the servicing agent. My Loan was handed to them with only 4 pymts left on the loan. My payments were made promptly with HSBC. Even though I did not receive information as to where to send my payments, I proactively went online to Santander's website to make my first payment online to ensure that I was not late in making my payment; however, Santander began charging my account with late fees. I contacted the Customer Service to have the matter resolved and this is when the nightmare began. I have presented them with evidence upon evidence indicating my promptness in making my payments and they somehow turn my evidence against me because as one of the Customer Service Representatives (CSRs) stated, "because they can without the customer's consent." I have tried to have these matters resolved without litigation, but there appears to be no other solution. I paid overpaid my loan in July 2010 (and have proof of that) to bring my balance to $0.00 to rid myself of business with Santander. Yet, somehow they have managed to place balances on my account - one day the balance is the amount I paid off, the next day it's $1174.#. Today, the balance on my account read: $324.#. Thank God for HSBC for even thou Santander ran amuck with my account, I received my Certificate of Title from HSBC in the mail today. HSBC upheld their agreement with me and honored it. I still however, feel that FTC or BBB or whomever can, need to have Santander dissolved in business. It is the worst example of Consumer Lending I have ever known. There should REALLY be LEGAL ACTION (S) brought against them - maybe then they would be consummate in their customer service. I'm still concerned about the negative information that was most likely given to credit reporting agencies re: to my account due to their extreme display of malice and vindictiveness. A class action suit should be sought and brought against Santander Consumer USA for misaligning the credit-worthiness of their customers and punitive damages sought for the aggravation and distress their CSRs cause.

I'm a Sovereign costumer for 2 years. I had everything well in my account for 2 years. Until one day I had a fee problem. They charge me $35 dollars for each payment I did I that day. So, the total was $280. I didn't knew that I had insufficient money, and only in that day the rob me almost $300 and the payments I did were $100.

I tried to fix with my branch manager and nothing. Call the costumer service, that is horrible. She just looked to my account and said that everything was legal and they couldn't help me.

Then I talked to the costumer service manager who told me nothing could be done. And I told her, I was going to close my account and all my family because It wasn't anymore a money issue, it was about a "robot" bank that forgot that they have people behind that accounts. My money market had money and I had a clean record. So, if that don't mean nothing I don't want a bank like that.

Don't open a account. They are thiefs and people that only see money. They don't care about their costumer.

Santander took over for Drive Financial who originally had my car loan. Drive Financial was bad enough but Santander calls me one day after a payment is due to ask when my payment is going to be made. They call on average of 14 times a day. They call on two lines at work and my cell phone. If I wasn't the one answering the phone at work, I would be in a lot of trouble for getting that many calls.

They also have increased the balance on the account even when the payments were on time. The balance on the statement does not reflect nearly as many payments as I have actually made. When I inquired as to why, customer service told me I would be able to get a print out of all transactions on the account. I requested it three times. I have NEVER received one report. I believe they are overcharging interest and adding fees that are not legal, but I can't prove it without their breakdown.

These people MUSt be stopped. they break all the rules and get away with it!

I also had a car loan from road loans, who then became drive financial and finally santander consumer. They are horrible! First of all I became disabled at work so I fell behind on my payments. They said they would work with me, but neglected to state that there was a $10.95 late fee per day! My original contract with road loans said nothing about that and I haven't received an updated statement of terms for this company.

I was paying $300 every 2 weeks to catch up. With the late fees I was 55 days behind and made a $630 payment which now I am only 23 days behind. But all the late fee's bring me up to almost $1500. It will take years to catch up to the amount due. Of this $630 payment, $109 went to the principal and the other $531 went to interest! This is a rip off and must be illegal to say the least. This company is incredible with the harassment every day to get their money. I would not recommend dealing with them at all! If anyone has a class action suit - count me in!

Santander just called me telling me they want the car or I have to pay right now they then told me that they can garnish my wages if you google it you will see is what I was told so I did 41. South Carolina Wage Garnishment

Wage attachment is prohibited in South Carolina. SCCLA 37-5-104.

wow looks like a lie a huge one there lol. They will tell you anything they can to get money I don't get how this comp even has anything but bad pr I want to see them go down I am going to go to every car dealer ship and let them read all the complaints then as think any of the folks here would ever get a car from you more then once knowing you use a comp like this. Make them think about how they will not get anyone to buy more then one car from them and with me driving a billboard that tells how bad they are want to be what will happen even more?

Hey santander when you read this run over to your books and look at who has a blue 2008 billboard that says don't use this comp they screw you all the time.
Have a good day and may the bbb shut you down

Situation: Santander Consumer took over HSBC. With HSBC, when you call for a payment deferment, they will tell you yes or no. Santander took over the company. I called in for a deferment and they verbally told me "ok you’re all set". A month later I get a bill for the past month with a late fee. It was not differed. So I called to complain, and they said they have to repeat the process to fix the problem. It got deferred; however they didn’t remove the late fee. So I called and spoke to JIM ROY SCOTT, accounts manager, who refused to remove the late fee after apologizing for the negligence. Who also refused to give me the number to complaints (only given me a P.O. box number, says that there is not a number to complaints). The late fee is $17.06. Small right, but lets multiply this, if this was to happen to ONE MILLION clients, the company takes $17, 060, 000.00 (17 Million) from the public. Justice must be served!

This company calls me every five days I have retained an attorney to file bankruptcy. I called Santander to relinquish the vehicle and request that they pick it up. They told me they could not pick up the vehicle until I gave them a case #. I keep getting calls on my work and cell phones and I keep telling them the same thing and have given them my attorney info. I'm keeping a log of every time they call me and I give them the attorney info because obviously they don't train their employees about the law and protection consumers have from the FDC. Let em keep calling, I hope they have to pay a fine for every call. Here is the letter I will be sending them:

Santander
P.O. Box 961245
Fort Worth, TX [protected]

Re: Account #

To Whom It May Concern:

This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act FDCPA, to cease all communication with me in regard to the above referenced debt. I have retained an attorney and you may contact him regarding this matter at Michael Law Offices.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement of the FDCPA, the States Attorney General’s office, The American Collectors Association, local State Bar Association and Illegal Practices of Law Association.

By sending this letter it is my intension to stop all your calls from this day forth.

You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. Please give this very important matter the utmost attention.

Sincerely,

Certified Mail #___________________________________________________

Collection Agency Notice: This is an attempt to make a debt collector obey the law. Any information obtained, will be used for that purpose. All my phone numbers will be monitored and tape recorded for my protection starting from the date I have signed above.

An employee of santander has stolen my bank routing number and account number when mailed to their po box at: p. o box 660633 dallas, tx [protected].

I have only made 2 payments to them via check since they took over the servicing of hsbc auto and my info has been compromised.

This person has made their own checks with my routing number and account number but the name brittney dotie and a duncanville tx address, and has cashed one for $465 at old navy in plano tx, and then a smaller one at krogers in fort worth texas, then she also went to burlington coat factory in dallas tx for $355.

If anybody else has had their identity stolen by "brittney dotie" email me back please, and we can make sure this person is stopped.

I have pictures and there is a surveillance video.

I am thinking about getting a lawyer or something but not sure exactly how far to take this. if anybody has any advice i'd love to hear it. thank you.

Todd

I have paid with my debit/credit card online for the past 2 yrs, this includes a $5 dollar transaction fee, which is fien with me. After santander took over I have issues paying with my card online.

I either have to call in ($10.95) transaction fee or give my direct bank account information (i'd be crazy to do that) if I want to pay online

I have a feeling the error is not just an error and I don't find it coincidental that all these complaints are up here and then this occurs too.

This is a perfect example of what you hear about a comapany trying to compile more fees for their own benefit by canceling out one payment option w/ a $5 dollar fee and directing people to the online payment option that has a $10.95 dollar fee.

If that is not the case, then you think they would fix what is making them look bad. When I spoke to the rep on the live chat, I told her that the site was giving me and error though I had not mentioned what the error was. She responded with "is it giving you error 56?" I sadi yes... Now how would she up and offer that right ofrf the bat if many, many more peopel did not make the same complaint to the company? If they know about why has it not been fixed?

I attempted to pay off my car loan santander 2 weeks ago. The amount owed was $13, 451. I send a check for the amount as my monthly payment. The check was cashed before the due date. The amount on the check had been altered and initialed by an employee to the amount of $1, 345.00 and cashed in that amount. Soooo... The car wasn't paid off as i'd hoped nor was I notified about the check alteration. I only found about the check alteration by going to my bank, investigating my balance and the actual check. I had the check printed. I called santander 'customer service' and complained. I was put on hold for an eternity (one long-distance call). I called back (2nd long distance call) and was transferred to someone else. This person found a 'copy' of the check somehow and argued with me about the amount and denied there anything wrong with it and that the payment would stand as it was. He added that the total amount due was now $13, 261.00 because a 'revolving interest' charge had been tacked on even though the payment had been made on time and the check was altered. He told me I should fax my concerns to the 'asu' department, whatever that is. So, I got all of my documentation together, wrote a note describing my issues in great detail and faxed and mailed (certified mail, another $6.00 spent on this idiocy) the documentation to the 'asu' department as advised. I also filed a complaint the the texas attorney general's office and sent the same information to them. I also included my complaint to ag's office to santander along with everything else. This all took place 3 business days ago. I have received a return receipt from the ag's office but of course no word from santander. I plan on taking this to small claims court in two weeks if I don't get the 'revolving interest' fee removed, the car paid off and the title. I have no doubt I will be ignored by santander until they have to drag their legal department into it and start threatening me with whatever bs they can come up with. I have time on my hands right now and i'm gearing up for a good fight. Wish me luck!

The original loan for this car was finaced through hsbc with no problems. We were sold to this company and the tale of woe begins.
We got behind on the payments of this car because of circumstances beyond our control.
Santander promised to set up a plan to allow us to make one payment and the rest of the payments would be put on the end of the loan extending the loan by two months.

We kept our end of the bargain and paid the note. Santander reniqued on thier word and now are trying to reposses the car. This company should not be trusted. Their word is no good.

My hsbc auto loan was acquired by santander consumer usa when they bought hsbc auto. Since then, after hitting a rough employment patch, santander has been relentless in their pursuit of any delinquency...2 days or 32 days, it doesn't matter. They will call all of your contact numbers (home, cell, work, your spouses work) numerous times per day. Even if you talked to them on monday, letting them know that you don't get paid until friday, they will call you every day multiple times per day until then. When you confront them with this info, by saying "read your system notes," they will tell you "it is an automated system and there is no way they can keep the system from calling."

As an added form of harassment and intimidation they will call your employer and your spouse's employer... And... Let your boss and coworkers know that you are in collections. Even when you call santander and tell them to stop calling you (and your spouse) at work. They will continue to call. Well I finally had it with their disregard of the fair debt collections practices act. So here is what I did:

Filed complaints with the bbb in my area. Btw, the bbb has suspended santander's rating while they are under investigation. And I also filed a complaint with my state's attorneys general office. Everyone here should do the same. And to help you with that here is the fdcpa, so you will know which of your rights are being vilated.

The fair debt collection practices act (fdcpa), 15 u.S. C. § 1692:

Prohibited conduct

The act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following:

Hours for phone contact: contacting consumers by telephone outside of the hours of 8:00 a.M. To 9:00 p.M. Local time[3]

Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted[4]

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number.[5]

Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer[6]

Contacting consumer known to be represented by an attorney[7]

Communicating with consumer after request for validation has been made: communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer's written request for verification of a debt made within the 30 day validation period (or for the name and address of the original creditor on a debt) and before thedebt collector mails the consumer the requested verification or original creditor's name and address[8]

Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer[9]

Publishing the consumer's name or address on a "bad debt" list[10]

Seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract or as provided under applicable law[11]

Threatening arrest or legal action that is either not permitted or not actually contemplated[12]

Abusive or profane language used in the course of communication related to the debt[13]

Communication with third parties: revealing or discussing the nature of debts with third parties (other than the consumer's spouse or attorney) [14]

Contact by embarrassing media, such as communicating with a consumer regarding a debt by post card, or using any language or symbol, other than thedebt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business [15][16]

Reporting false information on a consumer's credit report or threatening to do so in the process of collection[17]

I'am being called 10 to 12 times a day. They call me at home and my place of business. I'am not behind in my payments and they do not record the payments. I will call to check when my last payment was made and is my next payment is do. They will say my payment was made on may 11, 2010 and my next payment is do may 12, 2010. So they never have their payments recorded up to date. I want so much for the calling to stop. It is every day and night. Please help me stop the calls. They are receiving thier money each month. Thank you and please help me to stop them. The company was owned by hsbc auto financing and was sold to santander consumer and thats when they started calling.

James k. Ryan

Philadelphia, pa.
[protected]
E-mail [protected]@comcast.net
James k. Ryan

Whoever posted the federal trade comission correspondence.

Thank you! Santander cost me my job after illegally reposessing my vehicle for... Are you ready? $2.16 yes 216 pennies, wanted 2, 160 to get it back said 21.16 was past due 3 days, $216.00= (9) I had 9 days left befroe the payoff! Due date and the pay off to get the title hsbc still fuc$ has, 121.00. I excerised my rights and challenged the validity of the bebt, never another word from them, was never allowed to get my personal articles out of the car, where? I was never told where it was stored, only a voice on my cell phone, that sounded like the.. Darn it all, the same voice of the 6ft 5in 385 solid muscle tow truck driver who repoed it illegally, and when I stepped outside to present him reciepts to hsbc... 3 of his black inmate typical profiles, greasy, grimey disgusting.. Pepperoni pizza (oh my bad, we all know a pizza can feed a family, strike that) rick james on crack after 2 hour concert look a likes... Hit me with a bar a butt of a handgun, and knocking me out with stench of feet, fart, and butt crack, said dude give it up your car is already gone it is sold... Having distinct marks that only a few would know and the area code, word got back to me where it was parked. Well let me tell you, the driver would of been better off giving a grizzly bear a back rub with a hand full of razor blades crazy glued to the tasmanian devil in a phone booth. Enjoy my car ya lil wayne looking piece of shi* tell everyone brother man< how do you> drive it with one eye and pissing in a bag down the tube tied to a wheel chair..

Yyyeea yea I gots homees more of them too we got your address bro< promise no kids no ladies invlolved your home alone all day trying to ask yourself under that oak tree next to my ride with illegal plates, why you, bang bang why not you #er!

I keep getting calls from this company and have repeatedly asked nicely to remove my number from thier calling list. It has been 3 days since I asked to be removed. And I am still rcving calls. The calls have been coming for weeks now everyday, even on sundays. I do not have association with hector lopez or mercedes which is who they are looking for. I have told them very nicely to stop calling the phone they are calling belongs to my 16year old. I just called and spoke with mobroken and he tried to double talk me and say he could not help me because I do not have an account and because I called he did not have the acount associated with my number up so therefore he told me that he could not help me but refused to give me a supervisor. I screamed at him to fxxkxxg give me a supervisor now and he put me on hole. (I am aggraviated and fustrated and fed up with the calls. I do not apologize for my language) he then picked up and did not speak and then I said hello and he proceeded to reroute me to the main system again. I do not appreciate the calls or the treatment. I cannot believe that people are treated this way and I am not even the debetor. I hope this can be resolved

I purchased a vehicle a while back and the loan I guess was bought by santander or my original loan complany was bought out, but I traded my vehicle in after making every payment on time via military allotment. I traded the car in prior to my may 1st payment and got a 15 day payoff of roughly $5800. The dealership estimated my payoff as being $6028 and sent that in. My may 1st payment went in and I was told that I would receive that payment back if the loan was paid off. The loan was payed off and the payment from the dealership posted on may 12th. (according to santander) they posted my may 1st payment and that changed my payoff to $5709.77. I will be getting back $318.40 (my normal payment is $317) so per the customer service reps named chalis and her supervisor perpetua if I had not made my $317 payment on the first then the payoff would have been $5800 and I would have still gotten a $200 refund. But since I make my payments on time I got screwed out of $200. I will never do businees with them again and I will certainly be part of any lawsuit that is brought fourth if I don't file one first.

My husband I purchased a 2006 ford f-150 in july 2008. Our first 3 payments were made via western union, to united auto credit - who was our original loan holder - and in december 2008 we began having all our payments ach'd out of our bank account. Our may 2010 payment was drafted out of our account on may 6th and on may 10th we received a letter in the mail indicating that our auto loan had been purchased by santander effective may 9th. On may 13th, my husband received a phone call from santander on his desk phone at work. The woman was very rude and informed my husband (in no uncertain terms) that our may payment was late. He told her that no the payment had been drafted out of our account on the 6th and it went to uac - as it was 3 days prior to them purchasing our auto loan. She told my husband that he was lying - we did not make our payment and he needed to pay it then. He told her no, he was not making a double payment and he'd fax her the proof. On may 14th, he received another phone call - same manner as before - telling him they were on the way to repo our truck as we were late on our may payment for our 1994 ford escort. He told the girl that we did not own a ford escort, that our may payment on our truck was made & he had faxed them the proof that morning. She stated he was lying, he needed to make the payment and that was it. He told her no and hung up. On may 17th he received another phone call telling him they were on the way to repo our truck as we were past due on may's payment. He told her the whole story from the previous week, and then she changed it to the february 2010 payment. He said we also made that payment and he'd fax her the information the next day. I called santander on the evening of may 20th and spoke with shawna. She said the account was past due on our ford escort. I told her we did not, nor have we ever owned a ford escort, we owned a ford f-150 pickup truck and that was the loan they purchased from uac. She stated we were late on may, I told her we were not, we faxed the paperwork showing that the payment was made. She then changed it to february 2010 - stating we needed to pay that payment. I told her no - we also made that payment and we were not going to double pay on payments we made, had proof we made and that were drafted out of our bank account. I told her I wanted to speak to a supervisor. She put me on hold and when she came back on she said that "he had stepped out of the building". I asked for his name - she provided me the name of kievan. I asked for a last name and she refused to give it to me, stating she would have him call me. As of today - june 3rd - he still has not called. They have however, continued to phone my husband telling him our may payment, then our february payment, and now that we've faxed them proof on both of those - our first payment was never made! He has asked to speak to a supervisor - and is told he stepped out. I have spoken with uac who stated every one of our payments was made, before they were due, on time, like clockwork - and not to accept what santander is saying. Our credit union is going to refinance our vehicle - and now we are having to pay over $500 in interest & penalties in addition to the payment they are stating we never made from the start - because the payoff amount they provided our credit union is higher than what it should be. I have filed a report with the bbb and that is still pending. I am sick and tired of the harassment from santander, and now am looking to hire an attorney to sue them for all the crap they are putting us through. Every bit of proof we give them is dismissed and then they come up with some other stupid bs story about a different payment. No supervisor is ever in the building. They can hardly speak english! They can't get their books straight on what vehicle we own - and now they are saying the ssn associated with our loan isn't my husbands - so if it's not my husbands social - who owns our vehicle? Something needs to be done with this company. When I filed my report with the bbb, I looked at santanders track records - in the 3 years they've been in business they've had over a 1000 complaints - most seem to be related to being told payments were not made! If that's the case then santander is ripping people off. I am not going to stand for this!

The best way to express my complaint and to key in as to what has happened is to repaste my email responses to santander. I filed and made a case number to bbb (better business b.)

In my oppinion, santander is doing unlawful and very bad business practices with their customers. It appears that they are guilty of doing this same thing over and over again to many other customers. I found this from many many other posts that argue the point that santander is not a very good company to deal with. http://www.consumeraffairs.com/finance/santander.html please note that website from other customers.

I refuse to allow santander to pull this unlawful thing on me. I have been a very very good customer to them and have never been late on any payments, not even one payment. I have never had not one late fee or late payment fee. For all reasons, I have been a customer that anyone would want to have. Someone who pays his bills on time.

Santander has not been able to help me resolve the problems with their online website payments. My account is currently up to date and I am not behind on any payments... Yet they treat me as if I have not even been a customer. Here are my statements below dealing with this company as sent via emails. —

"why is it that your company has deleted my account. I can't even log in anymore? Your website says when go to"forgot password"your system says no email address is found? No password found. It is like your company has completely deleted my account from the system. I have never changed my user name or password recently and I can't even log in anymore. What happened to my acount? Why can't I log in. Your computer system won't even let me reset my account with a new password or username. No one online with your customer service can even help me. Why? Where is your it department? Why can't they get this fixed so that I can get online and look at my account? I have been a customer for 3-1/2 years and have never been late on a payment and your company is telling me that there is no way to get this fixed? Wrong answer! Please fix this account so that I can log back in and see my account information and pay my bill.

—

This was santanders response"hello, thank you for your recent web submission. Our records indicate your account is not registered for online account. Please visit our website and locate the register for the first time option to create an online account. Please let us know if you encounter any problems." —

This was my responce back to santander unacceptable, my account has been in your system for 3-1/2 years. If you look up my account information you will see that I have been making each and every one of my payments from day one through your website. I have never ever been late on a payment... I have your physical papers in my hand that you mail to me that shows the above statement is true. I recently just made the payment to this account over the automated phone system.. And your automated phone system shows and confirms that my account is indeed active and in your system. Therefore, you are either lying to me.. Or you simply do not understand how to run a proper online server. Your company has been flagged online by many complaints from other customers on being a fraud company is how they deal with customer online payments. I am going to report your company to the better business bureau if you do not fix this problem. I shouldn't have to go back online and relog into your account"as if" I never ever had an account with you from day one. Why can't your company simply fix that website so that I can relog into my original account. Is your company really a legiment company.. Because other customers have said that after paying for 3-4 years.. That there payments are not even reported to credit agencies as good payments, but rather hurts their credit. I will be making note of how you have delt with me as someone that has been a very very good customer to your company... And I will research to see if your company is a fraud company. Fix the problem so I can log into my account. David —

This was my additional responce back to santander in
Your desired resolution:

I want this company to fix the way they deal with their customers. Very bad way to have a customer for 3-1/2 years that has never been late on a payment.. And then they just seem to delete them from their database online so their customers have no records... Good thing I kept all my paper statements.. And I have requested that santander send me an itemized payment paper statement in my mail.

This was my additional responce back to santander.

In addition, please take note of this website about your company. http://www.consumeraffairs.com/finance/santander.html

I refuse to allow your company to do something fraud to me. I have been making payments on this car and have never been late. Get your company and your website fixed and I better not hear anything about repossession when I have never been late on a payment... It appears that your company has actually repossed peoples cars that have never even been late on a payment.. I am going to make note of this and I will sue you if anything like this happens to me like the people your company has do to in the above reports in that website above. David —

This was my additional responce back to santander.

In addition, your company is to send me an itemized print out.. Paper statement of all my payments from day one. Keep in mind that I already have the physical papers you send to me each month. But here is the deal.. Your company can not simply delete a customer records online and think that they can get away with it. I still have written documents that show I have been making payments on time.

This case will be reviewed by a complaint specialist at the better business bureau, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.

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Santander purchased my loan (and the entire book of business) from hsbc auto finance in march of 2010.in the first month, during the transition from hsbc to santander, the payment I made via online billpay was credited to some other account. They contacted me that month saying I was over 30 days late and that they would report it on my credit, I faxed them a copy of the cashed check and follwed up with them the next day, I was told that during the transition it would be at least 3 weeks before anyone would have the time to look into it. To make a long story short, over the next 2 months, I faxed proof of payment 3 times, emailed it once, spoke to collection agents and supervisors galore.

This company has more separate collections departments than carter has liver pills, as evidenced by the myriad area codes lighting up my cell on a daily basis. Not one talks to the other or puts any notes on your account stating the proof of payment has been sent. I even had one call where the agent actually told me that they had received proof of payment, but they couldn't find where it had been credited and had the gall to request that I re-submit payment and told me that it was up to me to dispute the 3 months of bad credit reports with the credit bureau. This was after I sent proof by certified mail, and also request in writing that they cease communications.

Since informing them in writing to stop calling and resubmitting proof of the invalidity of their claim of non-payment, I have been harassed nearly every day, several times per day, both at work and at home. I only had 1 year left on the loan. Now I can't even trade this vehicle in at a decent interest rate, to get away from these people, because they are ruining my credit due to their incompetent handling of a check that clearly had my name and account # printed on it.

If you go to buy a car and the dealer comes back with santander or drive financial as the financier of the loan, run away!

My original car loan was with hsbc they sold my loan to santander consumer 3 months ago, I have never been late with my payments, since santander took over they have charged me late fees, first of all they changed my due date from the 4th to the 2nd of the month, I mail my paymets on the 1st of every month, I have a 10 day grace period which means I have until the 12th, they are posting my payments on or around the 9th of the month and charging me a late fee when I am still within my grace period. This is outrageous. I called them and they told me they would have to request my account to be audited before they would remove the late fees. This is a shady company that is taking advantage of people to make money. I am writing to the better business bureau.