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4.2 2572 Reviews

Santander Consumer USA Complaints Summary

241 Resolved
496 Unresolved
Our verdict: Engaging with Santander Consumer USA, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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K
9:42 pm EST
Verified customer This complaint was posted by a verified customer. Learn more

Santander Consumer USA Unexplained charges on payoff amount

I was nearing the end of my contract when Santander took over my car loan. I am now at the final payment, which should have been paid on 11/07; however, they sent a bill showing a balance of 747.11 but only requesting a 320.00 payment. I made the 320.00 payment on 11/05 and then began receiving the automated phone messages that my account was past due. Now they are claiming that because I had split my monthly car payments in half in the past (due to being paid bi-monthly) that I owe another 431.00 in late fees and that the balance of 747.11 - not the amount owed (320.00) at the bottom of the bill was supposed to be paid by 11/07/10. He also mentioned that this late payment fee that I have been accruing was around $5 per month. The funny thing is that I refinanced my original loan with Citi so they did not have it full term which would have been 60 months. Even at 60 months, $5 per month is only $300... not 431.00. I did have a deferment with Citi due to being laid off in [protected] but the difference of the deferment would be more than 431.00 if that is what they are trying to recover, so I have no idea where they are getting this amount from. They have also said that it was my responsibility to be aware of my maturity date and obtain the payoff amount instead of going by what was on the bill so now my account will be in collections until I can pay the 431.00 on 12/01/10. The payoff is apparently based on the interest and is only good for 15 days... but no one ever sent anything out about that. I have paid off other cars before and have NEVER had this much trouble.

Read full review of Santander Consumer USA and 7 comments
Update by kuriozidee
Dec 03, 2010 4:08 pm EST

The State Atty contact is specific to your state. Here is contact info on all three:

California State Atty General Contact Info
http://ag.ca.gov/consumers/general.php
Attorney General’s Office California Department of Justice Attn: Public Inquiry Unit P.O. Box 944255 Sacramento, CA [protected]

The Council of Better Business Bureaus
4200 Wilson Blvd, Suite 800
Arlington, VA [protected]
Phone: [protected].0100
Fax: [protected].8277

FTC Contact
http://www.ftc.gov/ftc/contact.shtm
About a Company, an Organization, or a Business Practice

* Online: Use our secure complaint form.
* Phone: Call our toll-free helpline: 1-877-FTC-HELP [protected]);
TTY: [protected]

Update by kuriozidee
Dec 03, 2010 3:56 pm EST

I am also wondering where the line is drawn with harassment. They have had 3 different auto-dialers calling my phone. They leave NO message and no one is there if you answer...so is the point just to be annoying and if it is, isn't that harassment?

Update by kuriozidee
Nov 21, 2010 1:37 pm EST

I don't know if the cease and decist request is legal or not unless it is submitted to you in writing but it certainly doesn't seem fair since they harass people day and night. I also posted on a board called sueeasy.com, which is supposed to be for class action lawsuits, but haven't heard anything yet.

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anedge37
Hampton, US
Sep 23, 2011 9:32 pm EDT

I HATE SANTANDER! This company has owed me a refund for over 2 and 1/2 months and I still to this date have not received it. The accounting department is the worst of all! I mean how long does it take to get a refund check if you mailed it out- Yea Right- You really didn't mail it out, but SANTANDER'S MOTTO must be---- Lie to the customer and give them excuse after excuse to cover up your inadequacies! Like I said I HATE SANTANDER!

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CLWilson
San Antonio, US
May 22, 2011 10:03 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I have NEVER been late/missed a payment on my truck. I didn't realize anything was wrong until I received a call at 9 p.m.(which is not legal in TX) on July 6, 2009. When I answered the phone she stated who she was and from what company and said I was six days late on my payment when was I going to pay it. I told her like hell I was that I had wired it like I always do (I learned my lesson from GMAC). I gave her the reference number on the receipt. She told me no they don't have it that I would have to research it on my own. So, that night, I went back to Walmart were I made the pymt with my proof and they said that they did receive it, and I also called Money Gram that night and found out that they did receive the payment shortly after it was sent (6:09 p.m. June 30, 2009). I called back to Santander and told them that they did receive the payment and they better find it. Needless to say that I didn't get any sleep that night. The next day (July 7) I called back to Santander to speak with a manager. The manager said that they did receive the payment but it was six days late. I told her no that I wired it on June 30 and that y'all need to correct it to post back to when I paid it. She told me that I would have to fax the proof of payment to their accounting department for a correction. I did so. TO THIS DAY IT HAS NOT BEEN CORRECTED! Every sense then I have kept a watch on my account. NOW, Kens 5 aired "Hidden cost that we did not know about"; they showed what Santander was doing to their customers. So I looked into it further and was shocked. THIS IS HAPPENING TO ME. They do not post the payments correctly nor refuse to fix their errors. They told me that nothing I send in extra toward principal will be sent to principal unless I am three (3) months ahead on payments. (Nowhere in my contract does it state so). I AM AHEAD NOW, and they STILL refuse to put my extra payments that state on the check that "ALL GOES TO PRINCIPAL" to principal. They put it towards their "UNEARNED INTEREST". They keep telling me that they are putting the request into their accounting department for a correction, but I know from experience that nothing will be done. I have to keep calling everyday in hopes that it will be done. Their accounting department does not do anything except screw up everything. I already filed a complaint with the BBB due to this and they said there was nothing they can do about their practices. So, what other options do we have when the ones that are suppose to help DO NOT? I have records of everything and am still freaked out that one day I am going to wake up and go to work and my truck not be in my driveway or go to lunch from work and it not be in my parking space. The owner stated we deserve what we get because we have screwed up credit to begin with. I do not have screwed up credit and do not deserve to be treated the way I have nor anyone else whether or not their credit is bad.

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Jazz_nh
Sutton, US
Dec 08, 2010 11:03 pm EST
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After months of of dispute with this looser company and getting a cease and desist from their legal dept (see my post above), the legal office director called me after going over my entire payment history. She came to the conclusion that all late payment fees applied to the account were applied wrong. Although the fees should have been assessed, they were not applied correctly the account... so they adjusted all of them. That was over $600. In addition to that, she advised that some of my earlier payment history (from the original lender on this loan) could not be found in ANY system... and that the history given to me for that time frame was manually typed in ! SO I challenged the validity of this debt based upon that... how could they verify and claim that I still owe the $970 that they still show. I disputed that it is obvious that their accounting is all a mess and that they have fugded some figures to make a complete payment history ! After that, they agreed to split the difference, and call the account paid in full, give me the title to the truck for $470.
While I still dont think I even owe that, and I know they couldnt prove it either... I agreed to that since it would cost far more to hire a lawyer and take this to court.
My point here is... fight these jerks... file claims with the FTC, BBB, State Atty Generals office. Santander has horrible accounting records.

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California Diane
Concord, US
Dec 02, 2010 6:34 pm EST

Can you tell me what state we have to send these letters to?

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Jazz_nh
Sutton, US
Nov 21, 2010 2:16 pm EST
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It's clear from the complaints on the several different boards here on the web that Santander is a bunch of jerks. These boards will result us nothing. If you feel you have a legit complaint, you MUST file complaints with the BBB, FTC and the State Atty. Generals offices.
Complaints on these boards are just complaints. Real action may be with the FTC, BBB and Atty General... all three of which I have filed complaint with and still have yet to have seen any result from.
I simply dont understand how a payment history sent to me by Santander doesnt even calculate to the same amount they claim is still owed to them yet they are holding to thier guns that I still owe it ?!
Please please everyone, file with the FTC, BBB and Atty. General.
While we get raked over the coals with inacurate charges charged to us... the CEO of Santander lives in one of the most expensive houses in Dallas TX...
check out #36 at this link... Thomas Dundon is the CEO of Santander...
http://www.dmagazine.com/Home/2009/07/01/The_100_Most_Expensive_Homes_in_Dallas.aspx

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Jazz_nh
Sutton, US
Nov 20, 2010 2:19 pm EST
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I have the exact problem with them. I have an 84 month Auto loan that was taken out with First Essex Bank, sold to Sovereign Bank, then to now Santander. The loan was due to mature March 2010, but I deferred two payments at one point, making the loan not mature May 2010. However, come May, Santander still claims there is more due. I pay June, July... still money due. I begin to question why and they cannot give any answer other than to say there is still money due. I start requesting copies of complete payment history and a copy of my original agreement with First Essex Bank... they dont mail it. I make an August and September payment in the mean time. Still they claim more is still due. In October, I sent written notice for Debt Validation. They send me a payment history which is missing the first 11 months of payments made to the original bank. Which I then get them to send to me. Adding up all payments, and what was applied towards principle and interest, the ending balance they claim is still owed does not add up, using their own payment history. The accounting is off. I made several calls, only to continue to be told by Reps and managers that cant figure it out, that I stil owe them money and they cannot support why. While this dispute continues, they sent for a repo for the car ! The repo guy didnt take the car becuase he could even see that there is something wrong and it didnt smell like a valid repo !.
I have been in contact with the Santander Presidents office ever since that, and even they cannot come up with the same amount due when adding up the payment history ! So, since the Presidents office cant even figure out what the real amount due ( if any) is due on this loan, they had the Santander Legal offices call me. The Legal offices of Santander requested that I cease and decist calling them... to no longer contact the Presidents office. That Santander has done everything they can to validate this debt.
Santander cannot even make the math come out correctly ! SO they are throwing up their hands and falling back on... the amount owed stands !
I have filed complaint with the NH State Atty. Generals office, the FTC and have not heard anything from them !
Does anyone read this board ? Where do these complaints go ? I have been told by the creditor that I cannot contact them anymore... is that legal ?

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California Diane
Concord, US
Nov 19, 2010 7:57 pm EST

I am having a similar problem with them. My loan should have been paid off in 9/10. I still have a balance due of over $495. Every time I have called I have received a different reason for this balance. In October, they said i bounced a check in October of 2004. I requested copies of my statements for oct and Nov 2004 and faxed them to Santander. Now they are telling me that the balance is due to accrued additional interest whenever a payment was a day late. I think that is an awful lot of additional interest! I have been writing, calling and faxing to them since August and have not received anything from them in writing, although I have requested this every time I talk to them. I think I will have to pay it and then take them to small claims court. I see no other option at this point.

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11:11 am EST
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Santander Consumer USA Bogus company

The CEO of this company, Thomas Dundon. Nice to know he is listed for having one of the most expensive houses in Dallas, at OUR expense while they rip us off with bogus charges on our accounts while he lives in his 11 Million dollar house with indorrs slides and gyms for his kids...

> quoted from article
36 // Thomas Dundon
$11, 384, 440
Tom Dundon and his wife didn’t set out to build one of the most remarkable homes in Dallas. They really just wanted a great place for their growing family to enjoy. They wanted a place the kids would want to invite other kids over to, so they would get more time with them. That’s what they told Mark Molthan, the designer who built their previous two homes when they looked at the raw land that constituted their little plot.

Molthan took that cue and ran with it, building less a home than a vacation resort. It features the following: a swim park, indoor-outdoor tennis courts, a baseball infield, a dance studio, an automated batting cage (one of their youngest boys was hitting whiffle balls over the fence at their previous home by the time he was 4), a putting green, a go-cart track, a gym, and an indoor and outdoor slide from the second to the first floor. There’s also a stocked lake.

“Mark just did an incredible job, on time and within the budget, ” Dundon says. “We didn’t plan on this being so prominent from Northwest Highway. When we saw the frame up in the winter when the trees were bare, we realized how big it looked from the street, and we said, ‘Oh, crap.’ We’re working on growing in the landscaping so it won’t stand out so much.”

Dundon made his money building and then selling Drive Financial Services, a sub-prime auto loan company that was acquired by Banco Santander Central Hispano SA for $636 million in cash in late 2006. Dundon is still an executive officer with the company.

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tapped2
Richmond, US
Nov 24, 2010 3:18 pm EST

Thanks for educating us. Santander is a debt collector using jack boot tactics to harrass consumers.

Citifinancial is responsible for this as they are working with Santander to "transition" the loans.

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5:15 pm EST
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Santander Consumer USA Not applying payments

We have two different vehicle loans under Santander. Absolutely never a late payment, they are all made via automatic bank draft. One was paid off by a dealership in September 2010. Santander cashed the check, and put it on a wrong account. So far, for two months Santander refuse to listen to us when we send them copies of the check for $14982.06 that THEY cashed. We finally talk to someone who seems like they know what is going on, as we find out that they had applied the CashOff/TradeIn to the current vehicle we own. So he says he would take care of it. So a week later, we are now getting calls that the Current Vehicle is TWO months late. Didn't we just do this?! Seems they have deducted ALL recent account activity from the current vehicle, as opposed to taking the wrongly applied trade-in check of $14982.06 and cashing out the first vehicle which should have been done two months ago. This is so aggravating when we pay everything exactly on time and they cannot even appropriate their funds properly. And they harass us over the phone without any offer of trying to resolve their own screw up. Monstrous. Sign me up for the class action lawsuit.

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MichaelKD
Shelby, US
Dec 05, 2010 9:05 pm EST

At the start of an auto loan with Citibank, I slid 2 months to the end of my loan as I retired and wanted everything setup with retirement. Now they passed my loan to these fools who I have to keep watch on. They always send late statements so payments could be late, which I have never had one late yet except the first one to them when they switched us. Now they tell me my loan came due in November. with 2 payments left they do not send anything to me. I have to CALL and send to a PO BOX #! these thieves are going to try and take my truck after 68 payments on some sort of default thing in their records.. it's out right thieft! And noone is shutting them down! this is America today! taken over by the largest Spanish banking system! There is no more justice in america unless your illegal at something.

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James A. Greenwood
Acworth, US
Nov 26, 2010 11:34 am EST

My auto loan was transferred from Triad to Santander, but instead of applying my payments to my new Santander account number, they continued to apply payments to my old Traid account. So after three months of looking like I never made a payment on my Santander account, they repossessed my car. And I have never been late on one payment. To make matters worse, when I called the next morning to resolve the matter, they were rude to say the least, instead of being apologetic. Rude and just plain ignorant customer service personnel is the only way to put it as well as a totally incompetent company.

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12:50 pm EST
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Santander Consumer USA Bullies and liars! Horrible customer service

We unfortunately have 2 loans with Santander. 1 was from Triad the other from CitiFinancial. Their Customer Service reps are rude, nasty, abusive and I have never called twice and received the same answer. Even on their policy.
PS here is the kicker to the story if you decide to hang in to the end. (It's a long one but worth it) When I went to make the money gram payment, the women behind the counter said "Santander? I hate those people! I feel sorry for you." to which the lady behind me online said "Santander? That company is a joke! I never can get a straight answer from those people. and they are so rude." This amusing conversation about how their reputations preceeds them went on for 20 minutes. but I digress, here's my story.

Here are some of the BS lies I have been told by this company.
1. They are not allowed to give out or send you your new Acct number. You have to call and make payments. — 3 calls later, I found out this is untrue and illegal. I now have my acocunt number.
2. There is no place to pay the account, you have to call and make the payment. — Recently found out this is just so the rep can get credit and get their commission. 2 months later I found out that yes. You can go and send your payment via money gram at WalMart. We had bill pay with CitiFinancial. Now, apparantly they do not take debit or checks Moneygram is the only way to pay. (what?!) 1 week ago I found out that this is also a lie. They block out your ability to pay with check or debit card so you have to call and give the reps credit. After calling back, the rep said, we do accept moneygram long story short, we pay with money gram. Does all this not sound like it is making sense? We live it and it doesn't make sense to us either.
3. Even if you are paid up, Santander has the right to repossess your car if Management sees fit. — Seriously? How does that work?
4. I have called 6 times for the same problem.
TUES - CF and I had an arangement for medical issues that I have. I called Santander and asked if they did as well. I was treated like crap. The rep spoke down to me, over me, put me on hold and then said yes we have a program. I will email you the information. click. ummmm did you just hang up on me too?
THURS - 2 days later I called back to say I hadn't found the info. He says We don't have a program like that. I don't know who told you that. ps you owe 1058 on your account. WHAT? They didn't honor anything from CF without warning and charged me 3 months and late fees. Ok so now what? The rep was so belligerent I finally had to say Let me get my husband and you can talk to him the way you are talking to me... and he tried to. My husband made arrangements with him... and then the calls started.
SUN There is this Psycho rep, Ms. Freeman called 10 times a day, left threatening messages. I called the company, spoke to another person. He was very nice and helpful. He said ignore the calls, they have to call until the payment is fulfilled. When I asked why all the mis info he said that there were some CF reps working with them and they are still adjusting to new policy. Iverified that I would be making a 525 payment at the end of the week. He said, your payment is 307 on Fri. I said are you sure? I thought it was 525. He verified that it was 307 and walked me through all of the payments with dates and amounts. okay. maybe I got it wrong. wrote it down next to the other person's info.
TUES EVE (7 days from when this started) My husband comes in the office and says 'you've got to listen to this.' Ms. Freeman keeps calling. leaving aggressive msgs on the house phone and the cell. Way beyond the 'this is an urgent matter' Offended, I call back. I get a wonderful woman named Ms. Jordan. I am fuming at the msgs we just got. that I started to get a little agitated on the phone. I said leaving those kinds of messages were inappropriate and uncalled for. We are in communication, not hiding from you guys. She said "no matter if you are a day late or a year late, noone has the right to talk to you that way." She is what a rep should be. She even gave me an 800 number to call to file a complaint against Ms psycho rep. It may have been rhetoric but it calmed me down and made me feel better. We talked for over an hour. She cleared up all of the mis info I had been given. She said that what I actually owed was 370 not 307 or 525. (geesh, this is the third amount if you are keeping score at home but it won't be the last!) I specifically asked her if the car was being repossessed,. She said no. That's why you are making these arrangements. If it wasn't fufilled by Nov 19 then they would send someone after that.
FRI 8 AM — Go to make the payment to fufill my obligation Friday 8 am. Website will not take my check or my debit number. Call immediately. phone won't take either. Got a rep on the line who told me that the website and the phone does not recognize checks or debit cards from certain banks (I have Wachovia. not exactally a mom and pop bank). She said the only way I could pay was thru moneygram. I told her, I couldn't get there today before it closed. I will go in the morning which would be Saturday. The rep gave me all the info and said it would be fine. I asked her why I had so much trouble all week. Her response was I don't know. try calling back... annnnyway...
SAT, 9 am. money gram place opens at 10. getting ready to go. Ms. Freeman calls. AGAIN. This is the call that nearly gave me a nervous breakdown. I do not have a temper. After working in the customer service industry for so long, knowing what they go thru, I neeeever loose my cool with a rep. Never! MS. Freeman was so confrontational. I feel like I was bullied, lied to, harrassed, insulted, disrespected and violated. If I had a rep talk to a customer like this, they would have been fired! (PS. Both my husband and I have over 8 years CS MGMT experience) By the end, I have never screamed so loud, I was shaking. The moneygram place is 5 minutes from my house, I was so furious, I drove around for an hour because I was shaking so bad and so furious I had no idea where I was going. Without all the gory details (it was a long conversation. Here's what happened in a summary.
The tone of the conversation was aggressive to say the least. I told her that I had already made the arrangements and was on the way to make the 370 payment. She said "370? that's not good enough and how do I know you are going. you lied about making a payment yesterday." um excuse me? I said I spoke to someone yesterday and have been in communication all week. I have already made these arrangements. Oh, AND she tells me that I made up the 370 number I actually owe 1400 today. 'so I hope you are going with that in your pocket.' and that's when it began. I am now upset agitated and other things so I'm starting to get loud. I said this is bull [censored]. I already spoke to Ms. jordan this is what we arranged. The whole time her saying mmhmm, yeah, mmhm as in yeah right. She cut me off started aggressively talking over me again. She said "Ma'am these conversations are recorded so I suggest you tell the truth." as she is talking over me and bullying me. Not letting me speak. Now I am in the how dare you portion of the conversation which lead me into 'I am so sick of your company. I never get a straight answer, every time it is a different story different amount. I can't take it anymore! (ps now i'm crying angry tears) Ispoke to 6 people this week and...'"you did not. you only spoke to 2 people I see it right here." No I didn't! I said I have the name and info of everyone I spoke to "."no you only spoke to A and B."I said that is not true. I spoke to someone just yesterday and ms,. so and so is the person who told me I only owe 370!" "I don't know why they would tell you that. if you don't pay 1400 today, your car will be towed this afternoon" "What?! I specifically asked they said not until noverber 19 (PS This all happened 10/30)
if I didn't keep to the arrangement and the deadline hadn't even happened yet!" She said ma'am they have been trying to find you for the last month and they are on their way right now. "(in hindsight, I don't believe this. They would have taken the car by then) I finally said I have had enough! I am done and hung up. She called right back, spoke to my husband and said I had no right to hang up on her! are u kidding? My husband, also a former Customer service MGR, asked to speak to her supervisor. She said she didn't have one because she is a manager (load of crap. Everyone works on a team. The Managers do not make these types of calls. AND there is always someone handling escalations) He told her 'I have been on the other end the whole time, you are usetting my wife. I don't know why your company cannot keep their story straight." Then she told my husband how we are trying to get out of paying and that I am making up stories... That's when I left.
If we were hiding from the company fine, but we had been in constant contact.
Why would I have fired her? 1. for harassment. You do not call customers liars and abuse them, 2. you are supposed to calm the customer down and resolve issues not egg them on to the point of escallation, 3 and most important she had been yelling and berating me the whole time. you do not yell at a customer and egg them on no matter what. They use scare tactics to get you to pay with whoever is calling because the pay is such crap for them and they need the credits to get their commission. That is sad.
Want more?
Also have a Nissan with these jokers whose loan was bought from triad. last year, December payment was made to triad and was returned because unbeknownst to us, triad was bought by Santander. We called Santander, the rep said that they would waive December payment because of the confusion and it was not our fault (found out later it was a triad rep. should have known, they were nice) Last month I call to get the payout info for the car. The rep says we do not have any info of a Nissan loan for you. Really? here is my account number. used to be a triad loan? she said if your loan is with triad then you need to call them. this is santander. yes. your comapany bought triad out last year,. I just need the payout info.' 'I don't see a nissan loan only a jeep.' is there someone else I can talk to. like your supervisor""she said hold on. came back and told me that they don't have information for triad loans I need to find the last number for triad and call them back' okay done with that. This week, I get my bill and there is a 120 late fee. WTF is this? We have been on time every month. Call and get a rep who didn't look up my account for the first 10 minutes we were on the phone. Then she said, oh there was a missed payment in December last year. That's what the late fee was for' 10 a month for the last year! I explained to her that was when triad took over we had that month waived. you can see how every month the payment is a week early. Why are you telling me now? "30 minute phone call to get the 120 waived. She said, I'll see what I can do, call back in 2 days. (I have heard that song before. Translation: I don't know what to do so I will just pacify you with an answer) Well they beat me to it. Tonight, I got a call from a glynesha who said"your account is past due 452 how are you going to pay this today?' I said I'm not, I already made arrangements yesterday with Joyce to pay that on Monday. and then the aggression began. except by now I am used to it. she said you know you owe this money' I said. yes and I will pay on monday which is a full week before my due date. But this money cannont be ignored you are blah blha blah..."yes I know. and the arrangemnet has been made for monday." "(huff) well that's a whole weekend before you pay you need to pay now." I said"I already made the arrangments and I am planning to stick with them." "Well there is payment information on your acount. It is best if you make the payment arrangement with me." I said "no I don't feel comfortable with that." (huff) so WHEN are you going to make these arrangements, huh? It is already late? HOW are you going to do this."I said the same way we do it every month, through bill pay. besides, my husband takes care of this account. I don't know much about it" She again referenced my payment account info and was starting to egg me on to pay NOW! I completely interuppted her before I got upset and said "LOOK! here is what is going to happen. My husband takes care of the bill,. I do not have permission to authorize payment arrangements on this acocunt and neither do you. I am not authorizing any payments today is that clear?'" (huff) fine. have a nice da...)" and she hung up.

Thanks for listening.

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shaftedbysantander2
bristol, GB
Feb 04, 2011 12:35 pm EST

Remember, 4th feb 2011 is the start of global vandalise your local santander branch until that criminal ponzi thieving faschist nazi organisation is destroyed.

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tapped2
Richmond, US
Nov 24, 2010 3:25 pm EST

Please file a complaint with the FTC and contact your state's Attorney General's office and file a further complaint. If the state has a consumer fraud division, contact them also.

I have experienced similar interactions with Santander AND I am several months ahead on payments. Don't forget Citifinancial's role in this mess. They are very aware of the treatment their customers are receiving.

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Santander Consumer USA Mortgage

My husband passed away in july 2010 and since our mortgage was in both names, I have requested 3 times that I get the mortgage changed over into my name only. I was told a sales representative would be calling me back to do the necessary application. Here it is now into november & I have not heard anything from them. I lost $1, 700 a month income when my husband passed away and am having to do everything on my own small income which bearly makes the mortgage payments. I don't want to loose my home, but I guess sovereign bank wants me to. Isn't there something that can be done about this?

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4:01 pm EST

Santander Consumer USA Sold my loan

I can't believe that good customers of yours are being treated so badly. Santander is nothing but a rip off.in the 21st century to be charged $10.95 a payment for each payment made on line is a rip off. I will do what I can to find some other lending agency with a little bit of class to work with. You people are the bottom of the barrel when it comes to customer relations. You should nevber have sold my account to theswe sharks. I made my payment every month for forty-four months only to be greeted with this injustice to a moral code of lending that should consider a good consumer and treat them properly.

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9:57 pm EST
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Santander Consumer USA Failed to credit account with payoff, claims account past due

Citibank recently appointed santander as servicer for the loan on a 2006 pontiac torrent I owned. This loan has never been late - it has always been paid through citibank's auto-debit program, and I have years of monthly billing statements on hand that attest to the fact that during the entire life of the loan with citibank, the payments have never been late.

After the first two months of santander servicing the loan, I traded in the vehicle and the dealership paid it off. Let me repeat that: the vehicle was paid off. I have evidence of this in the form of a payoff notice from santander themselves, the actual title to the vehicle (released to me by the state dmv), and also a copy of the cashed check that the dealer remitted to santander, including the date when santander cashed it, all routing numbers, and a letter from the business office of the dealership (a nationwide chain) stating that they have repeatedly contacted santander to ensure that the payoff is properly credited to my account.

As of today, santander continues to report that the account is not paid off, despite the fact that they cashed the dealership's payoff check, and despite the fact that the payoff amount provided by the dealer actually exceeds the payoff amount for the vehicle. Worse, santander reports that the account is actually past due by 22 days, despite the fact that the last monthly payment was made on time, again by auto-debit, debited by santander. They claim that the account is late stemming from 2007 - in essence claiming that the account has been past due for *3 years* - from a point before they actually even serviced the loan, and also despite the fact that they previously transacted two payments on the account without indicating the account was past due, and despite the fact that citibank previously transacted 3 years worth of payments on the account, also without ever indicating that the account was past due (because it wasn't).

Synopsis: I have a vehicle that has been paid off - there is incontrovertible evidence to this effect in the form of the payoff check actually cashed by santander. The note has never been paid late - I also have evidence to this effect. Yet against this, santander continues to indicate that the account is not paid off, and also has the temerity to add insult to injury by claiming the account is past due.

They (santander) are absolutely terrible to deal with. There is no way to directly contact anyone within their organization who can be of any real assistance in resolving these issues - the same answer is always given no matter how many times you call them to complain (we will send it to our accounts dept for review.) even the business office for the dealer - who has paid out over ten thousand dollars to santander that has not been applied to the payoff account - gets this same answer.

I've seen other complaints online about being told by santander that they were past due after having their loans taken over by them, despite the fact that the original loan holders never considered the loans late. This behavior seems obviously reprehensible at best, and on the surface certainly appears fraudulent in nature. I hope to god someone sues them for this behavior, because they are the absolutely worst company I have ever had the displeasure of dealing with.in my case, they are demonstrably in the wrong, yet I cannot get any satisfaction from them with respect to resolving the issue.

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Update by tt92618
Oct 27, 2011 8:15 am EDT

I just wanted to follow up on this and add that Santander did eventually straighten out the payoff and they eventually admitted that the loan WAS in fact paid in full. However, a few days ago I discovered that the reported the loan as 30 days past due in September of 2010.

Santander started servicing the loan on 9/6/2010, and I had never been past due with CitiAuto. I made the scheduled monthly payment on 9/17. The vehiclle was paid off the following month.

So how did they figure I was late in there somewhere?

I find it abysmally frustrating that, after a solid YEAR, Santander is stil victimizing me.

Update by tt92618
Nov 16, 2010 9:57 pm EST

I just got off the phone with one of Santander's representatives in their loss mitigation area. They informed me that the matter is being addressed but that it could take 7-10 business days to get the payoff credited to the account.

Let's add that up: They cashed the dealer's payoff check on 10/27. Today is 11/16. Already 21 days have gone by and they have not credited the account. They are claiming it could be 7 - 10 BUSINESS days MORE. That would make it over a month for them to receive payoff and credit the account. Does anyone think that should be tolerated by anyone, even them? People, they are charging interest daily during that period. If someone sends them a payoff and it takes that much time to post, the payoff sent will not be enough. I've actually had other people tell me that this exact thing happened to them; yesterday somebody told me they sent payoff in the amount Santander specified, and was told weeks later they owed more. It's not the only time I've seen the allegation made. That sort of thing should not be legal.

I also broached the issue with them regarding the account status. They stated that the dealer first attempted to pay them on 10/15, but that the dealer's check was reversed. And they then said that this somehow caused the account to be listed as past due even though I paid the monthly payment on time. And to that I say "Whatever! How hard can this be!?" I made my payment on time, your system acknowledges that it was made on time, plus you know that you do have the payoff for the vehicle from the dealer, from a check that you KNOW cleared. Even if the first check from the dealer was reversed, that is IRRELEVANT. I cannot be counted past due when my monthly payment cleared; the fact that the first dealer payoff check didn't clear should have no bearing whatsoever on whether or not I am past due on the account - I PAID! So ok, it confused your system a little. How hard is it to simply FIX THE ISSUE? Am I, as a consumer, supposed to find it acceptable that because you can't get your internal systems to work right, you keep telling ME I'm past due? Am I supposed to CARE that your system is confused because the dealer canceled the first payoff check? You have my money. You have THEIR money. You know I have paid you. You know they THEY have paid you. And against that, your system is saying I am past due, and that is WRONG. Is having this reported late on my credit report supposed to be OK with me because your systems are confused? Whatever their answer is, mine is this: IT ISN'T.

I broached that last issue as well - the potential that this could report to my credit as past due when it actually isn't - and here is how they proposed resolving it: They could do a one month deferment for the October payment, and that would keep their system from reporting it late. Of course, I actually DID pay them the October payment. They ACKNOWLEDGE that I made it. So, if I defer it, that's tantamount to admitting it was late after all, when we BOTH (myself AND Santander) KNOW IT WAS NOT. Of course that's not a very palatable option for me, and I'm just a little bit stunned that this is the solution they offered. My thoughts are these: I'm not late, you know I am not late, so why can't you just FIX IT? Why do I, as the consumer, have to do something that amounts to a tacit admission that I am somehow at fault in order to prevent you, as loan servicer, from doing something that is obviously wrong? Just keep your screwed up systems from reporting incorrect information to my credit reports. How hard is that?

The only real option they gave me was to wait until they do whatever it is they are doing, and to hope it doesn't incorrectly report. And they said I shouldn't worry... should they happen to mistakenly report it, they will fix it. Good grief!

Update by tt92618
Nov 16, 2010 6:47 pm EST

Yesterday I noted that I had received a call from the AutoNation business office, and from the dealer, stating that Santander would be crediting the account payoff yesterday. I also called Santander myself, and one of their agents told me that the account would be 'fixed' and 'closed out' last night.

This morning I called Santander's automated phone system, and of course none of that took place. Their system is now reporting my account as being thirty days past due; they continue to report that the account is past due even though they know they have an uncredited payoff. They continue to report the October payment past due, despite the fact that the October payment was made - and I've posted the proof of that here.

Here's a little transcript from that phone system, by the way (in part):

"As of November 15 2010, your account is 30 days past due in the amount of $452.38. Your next payment in the amount of $452.38 is due on or before October 17, 2010. The last payment received was in the amount of $452.38 and was applied to the account on October 17, 2010"

That's pretty interesting. First, if you read the last two sentences above, you'll note that their system acknowledges that the October payment was due on October 17, and it also indicates that it was received on October 17. Yet, it still counts it past due. If you will look at the October statement I attached here (Exhibit B) you will note that the statement clearly indicates that the there was no past due balance coming into October. So, if the payment was due on the 17th, and received on the 17th as their own phone system indicates, why is it that the account is listed as past due? We haven't even reached the next due date yet!

A second interesting thing about the output of their automated system is that it provides information that differs significantly from the paper statements they have sent me. Specifically, the November statement (posted here as Exhibit C) indicates that the October payment was made on October 29, which is late. However, their own phone system says the payment was received on October 17, which is the due date, and is in-line with what my bank reports; my bank records show that the ACH was made on October 17th.

So here we have a situation where there was no past due balance even according to them, a payment was then made on the due date, and their phone system correctly reports these facts. Yet their paper statements to me say the payment was late and they show a different payment date than their own phone system (and my bank) reports, and both their phone system and paper statements claim the account is past due even though they both acknowledge that the amount due was paid. It is certifiably insane, and to make matters even more bizarre and inexplicable, they know they have received payoff for the account, but have still failed to credit the account for payoff, and instead continue to count it late. Did I mention that I have a payoff letter from CitiBank, and I also have the lien-free title from the state? This is nuts!

As to the issue with the payoff, I received a call from the AutoNation business office this morning confirming that the payoff was not credited to the account last night as Santander had stated they would do. They also informed me that Santander has now changed their story, and states that they 'found' the payoff money today, this despite the fact that they were saying last week that the account would be credited on Friday or Saturday, then Monday night (as I have documented here). They were further told that it would take an additional 48 hours for the account to be credited. That means Wednesday at least, the day of the next scheduled monthly payment. Now I ask you this: what do you think the odds are that they will try to debit another monthly payment before they finally credit my account with the payoff check?

On a personal note I just want to say that my tolerance level has been reached. I have documented this torturous affair meticulously, and before the day is out I will have all of that documentation in nicely assembled packets, ready for the state attorneys general of California, Texas, and North Carolina. I'll also send the same complaint to the FTC, and the congressional offices of those members on the oversight committees which govern banking. I intend to make certain that this matter does not continue to be one in which Santander can continue to delay.

As I have said, I will continue to keep everyone here informed of how this proceeds.

Update by tt92618
Nov 15, 2010 9:57 pm EST

Update 11/15

I called Santander this morning and discovered that they still have the account listed as being past due by 29 days, as of yesterday. That means that today is day 30, by their calculation.

I'm not sure what to do about this anymore. I've provided the evidence here that going into October the account was current and paid as agreed (no past due amount), and that it was current when Santander began servicing the note in September (it has always been current). The documents I posted here show this; the account was current (no past due amount) going into October. The documents here also show that the payment due in October was made. So, if I was not past due at the start of October, and if I made the October payment, then how is it that Santander considers me one month behind by mid November? We haven't even reached the next payment due date! It is impossible for this to be accurate, and there really should be no doubt about the issue at all: the account is not past due by any amount. Since the account was current when Santander took it over in September, and again when they billed me (and debited my account by ACH) in October, there is just no logical explanation for why this company continues to indicate that my account is past due. And on top of that there is the matter of the payoff check, which had it been credited to my account would mean not only is the account current and not past due, it is also paid off, as the documents I've attached here indicate.

With regard to that payoff check, I got a call from the AutoNation business office this morning. They stated that they also called Santander this morning, and were told that the payoff check was not credited to my account friday or saturday, as they had earlier indicated they would. This confirmed what I have been saying here over the past few days. Santander allegedly informed the AutoNation business staff that the payoff would be credited to my account today. As of now (5PM Eastern / 4PM Central / 3PM Mountain / 2PM Pacific) that still has not happened; when I call Santander their system still indicates that the account is past due by 29 days.

Finally, I received a call from the dealer this morning as well. They re-iterated everything that the business office related, and added that Santander has allegedly been promising for days to credit the account for the payoff that they know they have received.

I'll let everyone know how this turns out.

Update by tt92618
Nov 15, 2010 4:40 am EST

UPDATE 11/14

Just another daily update. As of today, Santander considers me past due by 29 days on a loan that is paid in full. I've tried to work with them, the dealer has tried to work with them, and still nothing has changed. Despite acknowledging that they have received payment, Santander continues to indicate that the account is past due, and they continue to increase the number of days past due on a daily basis. Tomorrow is day 30, by their math.

The truth, however, is that I traded in the vehicle on September 25th. It was paid in full as of October 27. Santander owes me money, not the reverse.

I've been thinking about this for several days now, and I realize that when people make claims like this, it is very hard to believe that any company would behave this way, and be so remiss in correcting their errors. And because Santander frequently deals with individuals who chronically pay late, many people are tempted to simply assume that it is the consumer that is being untruthful, which in turn leads them to dismiss claims like the one I am making here. That in turn creates space for a company like Santander to engage in behaviors that really should not be allowed, and which most people would consider predatory in nature.

With that in mind, I've decided to share some of my documentation here. My hope is that this might help someone else that is being victimized in this way. If people can see actual evidence that this stuff is really happening, maybe the pressure for Santander to change these practices will come more quickly and more severely. Therefore I have attached a number of documents that spell out the case as clearly as I can. These documents represent only a part of the documentation that I have, but I think they make the case clearly.

I will continue to keep everyone updated on the course that these matters take.

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Update by tt92618
Nov 13, 2010 10:04 pm EST

UPDATE: 11/13/10 -
As of this morning (11/13), Santander has not yet credited the account for the payoff, and now indicates that as of yesterday (11/12) I was 27 days past due. That means today is day 28 in their calculation, tomorrow day 29, and monday day 30. If this generates a 30 day past due on any of my credit reports, I will be VERY displeased.

The sordid tale so far:

- Citi notified me that Santander had been retained as servicer of my loan and that this would begin 09/06. Unlike many others, my loan was not sold to Santander - Citi retained ownership - yes I have the documentation to prove that.

- During the entire life of the loan the account has been paid as agreed (never late) and has always been paid by auto-debit. It was therefore NOT past due when Santander started servicing the contract, which is important because it shows that Santander has no late payment history to work with. Yes, I can prove it.

- On 09/17 Santander made the first of their auto-debits - as indicated above, a normal monthly payment (no past due balance, as indicated above).

- On 09/25 I traded in the vehicle at an AutoNation Honda dealership.

- On 10/17 Santander debited the second of their payments from me. This payment was, again, not late.

- On 10/27 Santander cashed the dealer's payoff check, and the amount paid exceeded the amount due.

- On 10/29 AND on November 8 the AutoNation business office faxed proof of payoff to Santander, including an image of the cashed check front and back and all federal transit numbers.

- On November 1, the state released the title (clean title - no lien holders)

- On november 2 CitiFinancial (still the lien holder) sent me a payoff and lien release notice saying the account is paid in full.

- The same day I received the payoff notice from Citi, I also received a monthly statement from Santander. Santander's statement indicated I was past due and that I owed nearly $1000 dollars. There was no credit for the payoff, and the account was now listed as past due despite the fact that the previous month it was not past due, and despite the fact that the previous month's payment was made on time, again by auto-debit.

- On 11/12 I received notice that Santander had finally recognized that the car had been paid off, and would be crediting my account.

- As of today, 11/13 Santander has still not credited the account for payoff, and using their method of calculation, will now be indicating that I am past due by 28 days.

As I have said throughout this ordeal, this whole thing is absolutely ridiculous and beyond the pale absurd.

First, there is no way any sane person could consider the account past due. Even if the dealership had not paid off the account, I could not be past due because all previous payments have been made on time. Santander's own statement (for the October payment) indicates a past due balance of zero, and a normal payment due. And more importantly, Santander's statement for November indicates the receipt of the October payment. So somehow, even though I was not past due in October, and even though I made the October payment... I am counted as one month past due. That's some tricky math! I think most intelligent people will recognize that an account cannot go from paid as agreed one month to being one month late the next when the monthly payment was made, and on time. But no worries about that; Santander shows what they want. They'll investigate it. Meanwhile, they are continuing to ratchet up the number of days they say I am late.

Second, given the fact that the account was paid off as of 10/27, it is a double impossibility that it is past due as of today. Most intelligent people would (again) recognize that an account with a zero balance (paid in full, as Citi stated) cannot be past due by any amount. Paid in full means PAID IN FULL. This should be a big 'duh' moment for anyone with functioning neurons.

It should be evident from my tone, here, that I am beginning to get really steamed about this. I have never been treated as mercilessly by any company as I have been by Santander. I have never been given the runaround so much by any company I've had to deal with. I have never had to pour so much of my personal time into attempting to work with a company as I have with Santander. I have never needed to get as ugly with any company as I have had to do with Santander. The whole thing is just SAD. Both I and the AutoNation business office have called them to try and get them to resolve this issue on an almost daily basis, yet the matter is still unresolved. It's really unacceptable that any company should be allowed to treat a consumer this way, especially when that consumer has never once violated the terms of the installment contract. It's just wrong.

Update by tt92618
Nov 12, 2010 8:24 pm EST

Well I just received notice from the AutoNation business office, AND from the dealer where I traded in the car, that Santander has verbally agreed that they have, in fact, been paid. The AutoNation business unit has apparently been told that Santander will try to get the account credited today or tomorrow. I'll let everyone here know how that turns out.

I didn't note it here earlier, but I actually traded in this vehicle on 9/25, but I still wound up having to make a monthly payment on 10/17. What followed was an absurd round of escalating frustration and silliness that I have detailed here, and as of right now, Santander still hasn't credited the account, and is now counting me 26 days past due. Hopefully that will change today or tomorrow - I'll let everyone know.

Update by tt92618
Nov 12, 2010 4:38 pm EST

Update 11/11/2010 & 11/12/2010

Sorry I missed posting an update yesterday - consider this a two day update:

On 11/11 the AutoNation business office once again contacted Santander to get their status on what is going on with the more than $10, 000 they have paid them, and which has not been credited to my account. They received the same answer that Santander always provides: it's under review by our accounts dept.

I also called and spoke to an agent who at least was understanding and not rude - she informed me that there is absolutely no communication between their phone caller services (the people taking our calls) and their accounts dept. She indicated to me that they don't even have a phone number they can call in that department - they actually have to send every inquiry by email. She went further to indicate that supervisors don't even have a direct line they can call. The picture she painted is one where the accounts dept. is almost a citadel where the only thing that can go in is a request for review, and the only thing that comes out is the result of a review, and there is absolutely no explanation, communication, or collaboration. She stated 'my hands are tied'.

It is beyond me how a big company like this can even begin to believe that this sort of process is acceptable. It victimizes consumers. In my case, they are continuing to count me late for, and demanding payment for, a car note that is paid up to date and that is completely paid off. Its ridiculous. This sort of behavior, so far as I can see, really verges on criminal; if they don't get sued for this sort of stuff, it will absolutely shock and amaze me.

The Saga thus far:

- Santander debited a standard monthly payment (no past due amount) from me on 10/17 (the monthly due date)
- Santander cashed a payoff check from the dealer on 10/27 - payoff check exceeded the amount due on the vehicle
- AutoNation faxed proof of payoff to Santander (canceled check front and back plus federal transit numbers of the payment) on October 29 AND November 8.
- State DMV released the vehicle title on November 1 - clean title (no lien holders)
- CitiBank (Lien Holder) sent me a notice of payoff and lien release dated November 2
- Santander insists I am past due by 25 days

As I have said many times, it is impossible for me to be past due on a loan that I paid up to date at the last statement due date, and that the a national dealer chain paid off. Even if Santander somehow misplaced or miss-applied the payoff amount (and it is evident that they did), I would still not be past due. As it stands, I have both the title and payoff notice for a vehicle that this absolutely scurrilous company insists I owe and am past due on. The whole thing is beyond the pale absurd.

I'll continue to keep everyone posted.

Update by tt92618
Nov 10, 2010 6:48 pm EST

UPDATE: 11/10/2010

Just wanted to continue to update this. I received a call this morning from the business unit of the dealership I traded my vehicle in to (an AutoNation dealer - a nationwide chain that is highly respected). They (the AutoNation business unit) contact Santander every morning to get the status of the situation, and were told this morning the same thing Santander tells them every morning: nothing has changed and it will be at least friday before anything is done.

Both the dealership and I have been contacting Santander, usually daily, about the issue. There have been dozens of phone contacts at this point, as well as faxed proof, etc. Still no action from Santander to resolve the issue.

The story thus far:

- Santander debited a standard monthly payment from me on 10/17
- Santander cashed the payoff check from the dealer on 10/27
- AutoNation faxed proof of payoff to Santander (canceled check front and back plus federal transit numbers of the payment) on October 29 AND November 8.
- State DMV released the title on November 1
- CitiBank (Lien Holder) sent me a notice of payoff and lien release dated November 2

As of today, Santander continues to insist the note is not paid off and also insists I am 24 days past due, even though I made a normal monthly payment on 10/17 (and no, there was no past due balance at the time), and even though the vehicle was certifiably paid off on 10/27.

Not sure where this is headed, but it better not include a 30 day late on my credit report.

I'll continue to update this daily in the hopes that it will help someone else deal with Santander, or at least will provide ammunition in the fight against this unbelievably customer-hostile company.

Update by tt92618
Nov 09, 2010 7:52 pm EST

Another call to Santander today, another (different) explanation for why they insist I am past due on a vehicle that is paid off. First, they continue to claim that they haven't been paid by the dealer, though they finally DO acknowledge receipt of the fax showing them the cashed check (front and back) - so I guess that's progress (of a sort). Second, they now acknowledge that they can't figure out why their system says I am past due. They acknowledge that last month I was not past due, and they acknowledge that last month I made my monthly payment on time - which is a duh because it is auto-debited and I have ample proof it was made. Yet, somehow in the space of a month, and having made the standard payment as required, I am now listed as past due... on a note that is paid off.

The first time I called them about this state of affairs the explanation was that I was past due from sometime in 2007, which is clearly ridiculous (and also easily disproved, since I have my monthly statements from Citi). Then they insisted that the monthly payment I made was returned NSF. Then they 'recognized' that it actually was not returned NSF, then they decided that the issue needed to be investigated by their mysterious accounts dept. So now I have two open investigations, one regarding why they think I owe them any money at all, and they other regarding why they think I am past due. Meanwhile, their system continues to add up they days they think I am past due on this paid off note, and its getting close to 30. If they report this to my CR's and spoil my pristine payment history, that's going to be cause for me to pursue further action. The truth, though, is that I just want them to fix the mess, and then we can all go home and hang with our families and relax.

It's hard to imagine how a big company like this can be so incredibly messed up internally - We'll see what happens.

Update by tt92618
Nov 09, 2010 1:01 am EST

It gets better: after posting this today I received a letter from CitiBank stating that the loan is paid in full, AND I also received a statement from Santander stating that I am past due and owe them almost a thousand dollars. Even more crazy is the fact that I pulled out my last statement from Santander, which specifically states that the past due balance is ZERO, and compared with THIS months statement, which BOTH indicates that the amount due on the last statement was paid AND indicates that there is a past due amount. Amazingly, I seem to be past due by the exact amount that I paid them, for the normal monthly payment that their OWN STATEMENT indicates was not past due... and on a vehicle that the actual lien holder indicates is PAID OFF.

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Dawn771
Wilmington, US
Feb 03, 2011 10:55 pm EST

I received a letter from your Santander stating I was 45 days late and my account was due payments for the following dates:

Payment Due
2/9/11 $389.97 Fees: $0.00
1/9/11 – $389.97 Late Charges: $30.00
12/9/10 – $389.97 Past Due Amount: $779.85
Total Amount Due: $1, 199.82

I then called Santander very concerned since this was incorrect based on the attached payment history I have supplied from my bank. When I tried to explain this to the young lady on the phone, she could not hear anything except stating my account was 22 days late, not 45 days based on the document I received from your company and I only owed $389.97, not the $1, 199.82, also called out by the same document (attached the document).

The young lady I spoke to first took me through the questions (Acct#, Last four of my Social Security, Address, Home Phone, Cell Phone and Email Address). Then she stated my account was late and how would I like to make a payment. Did not ask me why I called. I proceeded to tell her of my auto payments sent the 1st of every month since I had the auto loan. She stated they were received late, so I ask her if they had changed my due date because I have never been late with CitiFinancial. After putting me on hold, she came back to say a letter went out in October to all customer’s stating to change over their auto payments to Santander. I informed I was not aware of this and the last formal letter I received stated I would not have to change over. So, I tried to work with her to get this fixed. After 10 minutes of her accusing me of not making the payment I asked for the manager, she then stated she is the manager of my account. To make it perfectly clear to her what I was asking for, I then asked for her “Boss.” Which she preceded with that is fine, but my supervisor will tell you the same thing. (If you want to know who she was, I would ask Charles the supervisor on the January 31st night shift (approx 7:30 PM ET).

Charles did not start out any different but then finally understood. He then asked if I can send proof of my payment for December 2010. I said I had no issue with doing this. I asked him what months is he showing me late on my account, he stated only December 2010 (which again does not match up to the document I received) I then stated once I send this information over to the payment department and they locate the payment. (Since it has been deducted from my account) will he be sure my account never showed delinquent, and anything reported to the bureau is fixed and the late fee is adjusted. I have updated my personal account so that payments are going directly to your company, starting with my February 1st payment of $390.00.

I faxed all my information Tuesday morning, February 1st at 9:05 AM.

Today at 8:45 AM I received a call from Santander another advisor collecting a debt, when I tried the call from Monday night, the advisor started to over talk me. I stated I faxed my proff over, did he have that documented on my account, he again went back to trying to collect a debt. I asked one last time if the conversation from Monday was on my account and he told me that doesn't matter. I explained he was rude and lacked customer service skills, he started to talk over me again and then hung up.

Why is no one doing anything about this company. This is one of the reasons why our economy is what it is today.

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FedUpSantanderTheives
Bishopville, US
Jan 27, 2011 11:25 pm EST

I too had the most unfortunate experience with this company. I recevieved a Right to Cure letter from these people and I called to make sure of the payment amount before i made a Money Gram payment. I called them to get the correct amount and it was the same aas the amount on the letter. I made the payment and caled to advise them of the payment and they said they recieved it. Two days later I called to make sure that title was being processed only to find out that they were STILL Calculating interest on a paid off loan. They then told me that I owed 25.33. I made several calls to these blood suckers and they keep trying to extort more money out me daily and I am going to contact an attorney to sue them

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soundstar
Las Vegas, US
Jan 07, 2011 12:34 am EST

I have an ongoing situation with Santander that is eerily similar to my experience. I am in the process of filing a complaint with the BBB. I have already filed a complaint with The Federal Trade Commission. More to follow...

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Santander Consumer USA Horribad customer service and stupid people

I'm a pissed off car loan payer

Since santander has become the owner of my car loan I have had nothing but headaches from this # sucking [censored] bag resin company. They call me at all #ing hours of the day and night and when I try to add anything less than $100 to my account they keep telling me to go to western union. #ing scamming skum #ing trash #! Now they say I am somehow 80 days past due and they still won’t let me add money to my account over the phone! I think we all should get together and find a good class action lawyer so we can all sue the #ity # #ing # out of this #ing # bag of a bank! # you santander! # you!

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JustSomeDude
Moose Jaw, CA
Apr 08, 2011 12:12 am EDT

The worst of the worst. If a meteor should fall out of the sky and turn their HQ into an inferno, it would be a blessing from heaven.

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Done with Santander
Hollywood, US
Nov 10, 2010 2:41 am EST

Refinance to with another company and get out of the loan. My refinance took less than 2 weeks. Santander aint worth all the headache and hassle. Get out.

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Santander Consumer USA Unauthorized deduction

Santander recently bought our car loans from citi-financial and it has been one long nightmare. After dealing with this very questionable company we decided to payoff our loans. After the loans were paid off they took an additional payment of more than $500.00. We have been trying to get a refund since september. Today we were told a refund had been approved by it would take another 30-45 days to process. I really cannot see a refund coming. I have asked to speak to a supervisor, but was given the run around. The only way you can even get to a person is use the phone tree and tell them you are interested in establishing a new loan. I recommend that anyone who is having trouble with this company is to write a letter to the attorney general of texas where their offices are located and to the attorney general of your home state. This is an extremely dishonest company and at no time did we ever have an agreement with them to deduct monies straight out our checking account. If one of your loans is sold to this company, you should immediately find a way of refinancing it. This is a continuing nightmare.

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audrose
Vallejo, US
Feb 13, 2013 11:51 am EST

My husband and I are going through the same thing as of right now! We paid off our loan & and our last payment was on 1/24. They deducted another payment on 1/28. They are still insisting it was never taken out even if it showes in our statment.

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Santander Consumer USA Late charges, over charges

Mail payments to a po. box 20 days ahead of payment and it's still late.Then late charges and harrassing calls, at least 20 a day.Made same payment 3 times in one year on payment that was already paid.Set up arrangments with them, no one notes it on computer, then the next person wont work with you.Threatened repo of my vehicle for payment they say wasnt made over 2 yrs ago when i was with hsbc.Started researching and found out there are alot of people who who are dealing with same problems.Need a proper mailing address, and one customer service rep. to deal with.Do not do business with this company, beware seriously.Ps. now they want 15 dollars to make your payment on debit card, with no written notification.I will never do business with them again or for that matter hsbc also.

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California Diane
Concord, US
Dec 02, 2010 6:26 pm EST

I am having similar problems with Santander. HSBC must have been bought out by them in Aug 2010. My car was due to be paid off in Sept. I paid my 9/2010 payment and still had a balance of $495. I have made every payment. Customer service first said they would look into it. I called again and was told that I bounced a check in 10/2004 and needed to send them bank statements for that month if that was not the case. I requested the statements from my bank and faxed them to Santander. Well now they say that is not the problem - I made a late payment due to fraudulent use of my bank account - had to close account and open a new one. As soon as that was done (about a week) I opened the new account and paid them. Can I really be charged $495 in additional interest for this? Sound like fraud to me! I have requested a statement of payments and when this additional interest occurred, but have not received anything from them. I have requested response to my letters to them in writing, but have received no response. I call them and call them and get a different answer every time I call. Who is this company? I need help! I have decided to pay them off and then take them to court to get my money back from them. Any class action suit would definitely interest me!

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Santander Consumer USA Bought my account

I am currently in the us army, serving overseas in afghanistian, citi finacial sold my account to santander consumer usa. I was with citi financial since I bought the truck, never late on a payment. I called citi to get a payoff quote and was transfered to their number, and I was told that my payments were 20$ higher, still with out my knoweledge. I tried calling the costumer serivce and there hours on sunday is 7 am to 5 pm centeral time, and they were closed when I called at 0730 cst. If some one is willing to help me out please email me at [protected]@yahoo.com this is not right and i'm going to stand for it.

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mzkbacon
Port Wentworth, US
Nov 30, 2010 7:32 pm EST

I am with this God awful company! I bought a carmy first time buying thinking it would help build mycredit to buy the car I really want and a house. I went to appy for a loan and they told me that santander had reported me late 6 times and i had the car for 7 months and have never been late. How unethical is this. I called and they would not give me any information they referred meto ASC what ever that was.I called and asked for a schedule she said that the payments were current and that was an error on the credit bureau! Not quite sure. Anyway I never recieved the literatue i requested in the mail and it has been over 3 months. What do I do?

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MadMac
Riverton, US
Nov 20, 2010 3:17 am EST

MadMac My loan at citifinancial was sold to santander without notice from citifinancial. I was not late on payments but am now because of sending my payment to citifinancial .Citifinancial stopped sending statements to my address now santander says I have to show proof of who I am before they send me monthly statements.I have tried calling Citifinancial to get this taken care of, when I call them the automated system sends me directly to Santander.I would like to talk to a real live person not some programed nitwit without human emotion, like the ones working for Santander.

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Poohbear33
, US
Oct 26, 2010 10:13 pm EDT

Maybe we all should try writing congress about this company or these companies rather because our headaches started with Citi finance and after they up and sold our account without any notice we are now being physically drained by this company Santander USA the last letter we received from Citi showed a balance of $3, 150. we have sinced mailed in 4 payments in the amounts of $400.00 the first an only statement we received from Santander showed a balance of 2, 800.00 excluding the last couple payments they have constantly harassed us about remodifying the balance an thats only another way to bleed more money out of us. they then sent a repo man to our house an they said we have a balance of $2, 117.00 its ridiculous an supposedly they have added the last 3 payments of $400.00 to the account but still we owe $2, 117.00 I have agreed to go ahead an remodify because we are just tired anything to end this with them.

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Santander Consumer USA Unscrupulous business practices

I ahve had nothing but problems with Santander and now they are trying to repossess my car. I have been unemployed for the last 10 months and have tried to stay current with my loan. Because of Santander 's business practices that has been virtually impossible. I have been trying to get even with my loan and their CSR'S do nothing to help just try and collect money for there own well being. I would like somebody to deal with this company in a legal way they are rude wrong and charge you needlessly. I have 8 payments left on my vehicle and would like to be done with this company but as of now I can see no end in sight. PLEASE! somebody help me take action against this company they are very wrong and rude to every customer they deal with. I have never been lied to and manipulated more by a company than with Santander.

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Santander Consumer USA Fees

My husband and I are one of the unfortunate who had an auto loan with CitiFinancial Auto that has recently be bought out by Santander Consumer USA. I have read several complaints on here, so decided to add our current situation.

Unlike several others, who said they didn't know about it until after the fact, CitiFinancial sent us a letter in the mail informing us of the change, that came the same day we got our first statement from Santander. After checking their website, I was irritated to discover the only way to pay them without incurring a fee (and being sure the payment was posted on time) was to enroll in their auto pay. I don't generally have an issue with that (we have other bills set up that way) but was still annoyed that we didn't seem to have options.

At any rate, I enrolled in the auto pay, first payment went out 9/18, the day it was due. A few days later it cleared our checking account so I didn't give it a second thought. A few days ago I received the next statement which said we owe the regular payment plus a $25 fee. What was that for?

I logged into our account and saw next to last month's payment "return - frozen". I double checked our bank account through their website and saw they cleared the payment on the 20th. Since the 18th was a Saturday, that made sense to me. So I decided to get online with their chat. This is the conversation that took place:

Please wait for an agent to respond.
You are now chatting with 'Gino' In order to assist you today, please verify your First and Last Name.
you: Hi, My name is * *
Gino: Thank you, how can I help you today?
you: The account is under my husband *
you: I have a question - what does it mean when it says "return - frozen" next to last month's payment?
Gino: You will need to call your bank regarding that
you: it cleared my bank, what i'm looking for is whether or not Santander has acknowledged receiving the payment.
Gino: Last payment received was on 09/18
you: right
you: and next to it it says "return - frozen" and this month it says we owe an extra $25. What would that be for?
Gino: it was an nsf, you need to call your bank
you: it was NOT an NSF. It cleared the bank first try on the 20th. I'm looking at my bank statement online right now.
Gino: ACH and Check payments are automatically resubmitted up to two additional times if funds are initially unavailable.
Gino: Please do not attempt to replace a payment unless you have verified that the resubmission process is complete.
Gino: Goodbye. Thank you for chatting with us. We value your feedback. Please click the Close button at top right to answer a few questions about your experience with us today. To ensure Santander Consumer USA has accurate contact information please update your home address, home, work and cell phone numbers on the My Account home page before logging out.
Chat session has been terminated by the site agent.

The last 3 responses from "Gino" came almost all at once (cut and paste) and then "Chat session has been terminated by the site agent" appeared immediately below it. He basically disconnected before I could read what he had said, in order to be sure I couldn't ask any further questions. How's that for service?

So I double check with my bank, just to be 100% sure. We have never had an NSF fee on this account. Surely the bank (which is actually a credit union) would have notified us of a problem? I spoke with someone from the bank and she looked it all over and assured me they only tried to process once and it had been approved and cleared with no issues.

So I get on the phone now with Santander. I get a lady on the line who calls herself "LaToya." I'm sorry, if you're not a Jackson I'm having a hard time believing this. And she sounded like she was Indian, which I have no problem with as I have several Indian friends, but I'm pretty sure none of them are named LaToya. But whatever.

I ask her what the fee is for, and like "Gino" she tells me it's an NSF because the bank turned down the payment when they tried to process it. I assured her I had already spoken with the bank and they told me that was not the case. I asked how we resolve the issue and she put me on hold, came back with a fax number to send to the attention of the "ASU department."

I sent them a cover letter stating the entire situation, a copy of the statement the bank sent as well as a page from our bank's onine banking with some notes added.

I would normally find this to be an irritating situation to have to deal with, but not the end of the world. But after all the horror stories I have read online (on this site and elsewhere) since this morning I'm afraid it might be the beginning of a nightmare with these people. I was told they will not take the $25 fee in addition to the regular payment we signed up for because the auto pay was approved for the monthly payment amount only, but I don't really trust that. I'm somewhat sure I'll see the amount taken out in a few days to include the extra $25 as our statement shows that as the amount due this month. But of course I don't know.

My biggest problem though is worrying about the future. The mature date on the loan is next June. When Santander took over the loan it was current but we had deferred payments in the past with CitiFinancial, who assured us they would work with us to keep a balloon payment from being due at the end, stretching out the loan to let us continue to make regular payments until it's paid off. I get the feeling come next June Santander is going to want the balance, no exceptions, to the tune of a couple thousand dollars we won't have.

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Update by Malenkaya
Oct 22, 2010 3:51 pm EDT

So the following night my husband and I decided together to call them up together. To sum it up, we (or he, as he did most of the talking) was repeatedly told they did nothing wrong, the system shuts off auto pay if a payment fails, and that we "froze" the account, not them. I think with their lack of English skills what they were getting at there is that they attempted to draw funds off of a closed bank account, and instead of closed, they kept saying the account was frozen.

The second payment thing was clarified, but just says to me even more so that they are in the wrong. The two payments were drawn (or attempted to be drawn) out of two separate accounts. Shortly before we were aware CitiFi was going to sell the loan to Santander, we switched from a bank to a credit union. We had auto pay with our old bank account set up with CitiFi. The last auto pay made out of the account was in July. Early in July I received an email stating that they were changing their system (this has to be because of Santander buying them out, although of course at the time they didn't say that) so the auto pay had to be reauthorized. The July payment would go automatically, but any further payments would not be drawn unless we resigned up for autopay with their new system.

The timing was perfect as we were making the banking switch, so I thought I would let the auto pay with CitiFi expire, and set it up again once the new bank account had my husband's paycheck directly deposited. His employer had a form he filled out and it said the switch could take 2-4 paychecks to make the change. So at the time I didn't know what account we would be using for the August payment, so I elected not to sign up for the new auto pay right away, but make the payment manually until the banking switch was complete. That was I was in control of what money comes out of where (or so I thought).

True to CitiFi's word (we never had problems with them) the auto pay went in July but not in August. I logged into their website for the August payment and paid it the day it was due, for free, through their system. There was no auto pay in place with CitFinancial.

Then the letter comes saying CitiFi has sold the loan to Santander. Santander gave payment options in the letter. and autopay was the only free one that would assure the payment was there on time. So I went to their website and signed up for auto pay using our new banking account, because by then that was the one we were using for everything. Had that not been the case, I would have paid the $10.95 fee the one time in order to continue to make manual payments from the old account until the switch. But the direct deposit had come through the previous pay period, so I signed up for their auto pay and provided them with our new banking information.

This is where the problem comes in: Santander claims the second payment was pulled because we had an auto pay arrangement from CitiFinancial that rolled over to them, so they automatically ran that payment as well as the one I set up. Both being automated I get how that could happen. The problem is that NO ONE had any authorization to run the one fron CitiFi, as it was expired, per the emails (several, in fact) that they sent out telling me the auto pay was going to expire unless I authorized it again. Which I never did, because of the timing of us switching banks at the same time. However, they continued to insist it was our fault, because the information came to them through CitiFinancial and we failed to tell them we no longer had that bank account. What does it matter if you aren't authorized to draw funds from it? CitiFi had that banking information stored for years when I made payments manually, and they never attempted to take money without permission. I don't have to tell everyone we've ever done business with that we closed a bank account, just in case they want to try to take money out of the account without our permission!

Fortunately the old account was closed by the time they attempted this unathorized draw or it probably could have been messier with real NSF fees from that bank account. What Santander still doesn't get is that they weren't authorized to take that money. They claim it rolled over from CitiFinancial, but since Citi told me it had expired (and the last payment to them was not auto pay) I stand by the fact that that payment should never have been drafted. This is what resulted in the $25 fee and the drop of our current auto pay with them.

The fax we sent on Monday, that "LaToya" claimed would take 24-72 hours to review on Monday, has turned into 5-7 business days by the time we talked to "Shawnique" on Wednesday evening. We told her we would mail a payment, now that the payment was late thanks to them shutting off the auto pay and not telling us, and after being told if we made a payment with her or online the $10.95 fee they charge to do so would not be reversed, regardless of the circumstances. Since I believe that's true, I would rather have heard that then be lied to and led to think that once they resolve the $25 fee issue (which I don't really think they will admit to wrongdoing) they would return that too, because that would be a separate fight.

The following day, my husband said "forget it, let's be done with it. Better to swallow a $10 fee than to have them take back the car over such a petty amount." I agreed but disagreed. We certainly don't want to lose the vehicle over such a small amount of money. At the same time, it's the principle of the matter and if they do this to everyone (remember, $3.2 billion in loans from CitiFi alone they recently bought out) that'e a heck of a lot of extra cash they shouldn't get.

So I made the payment online. $243.66. Last month they took $38.97 in interest and the rest was applied to the principal. This month I paid $254.61. They put $140.40 towards the principal, $78.26 towards interest (more than twice for interest than last month, how are they figuring this?), $10.95 for the fee AND $25 towards the misc fee for the NSF that we shouldn't have to pay in the first place.

Now we have to wait and see if they really do resolve the $25 issue with the imaginary NSF.

Update by Malenkaya
Oct 19, 2010 1:42 pm EDT

Thought I should continue to document so I will add what happened today.

Logged into the account, just to check on it. Thought it was wise to keep tabs on these people. First thing I notice, it says "your account is 1 day delinquent."

I signed up for auto pay! So I decide to do another online chat. I'm told by "Terri" the auto pay was disabled on 9/24. Because they attempted to take not one, but two payments last month and one was declined. (He/she also tells me that's what the $25 fee is for.)

First off, there is no way they should have attempted to take a second payment last month. Based on the conversation I had with my bank there is no proof there was more than one attempt made, so I think that's a flat out lie. I asked why I got no notification of this. Nothing by email or snail mail. When I updated the account information (they didn't have our insurance for some reason) I got not one but 2 emails thanking me for updating the account.

They are also asking for references. As if I want to subject my friends and family to these people for no reason. If we are such a risk maybe they shouldn't have purchased the loan! We didn't ask to do business with these people.

So our account is 1 day late. And there is no way to make this payment without paying a fee and because it's now late there will be a late fee as well. I was so sick to my stomach I didn't even bother to ask how much that was, but I know there is one.

My husband has asked me to do more research and possibly contact a lawyer.

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justomad
, US
Nov 11, 2010 6:52 am EST

We understand your situation as our account was taken over by Santander from Citi when they took it over we had a balance of 3, 836.00 because my husband supposedly deferred several payments to the end of our loan, Santander took over the account in September they sent us a letter stating that along with a statement the first and only statement we have ever received to this date we were paying Citi a payment of $404.00 a which we continued to send in to Santander. Each time we spoke to a rep. of Santander they always told us something different after each payment our balance seem to be steadily increasing instead of decreasing I ask them whats happening with our payments are they being added to the account at all their reply was yes but interest and fees were being added do to the fact our account were supposed to be matured, I ask them well can we get some type of statement or document showing our payments and our pay-off the rep replied well maam we donot send out statements or any kind of documents once your loan have matured, I was speechless because I never heard such thing. from the time they took over our account we sent in at least 5 payments of $400.00, (due the calculation) thats in a 2 months period and they continue to telling us our pay-off is over $2, 000.00 which would mean they are getting at least close to $5, 000.00 more from us which means we have paid over $21, 000.00 for a $14, 000.00 car thats now only worth $4, 000.00 book value. It doesn't do any good to contact them or to argue with or try to tell them what you know is not right because they don't hear it they just do whatever they want to and tell you anything over the phone just to get rid of you and the next time you talk to them it will start all over again, worst nightmare isn't the name for this company its even worse than your worse nightmare .

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Santander Consumer USA Santander

Santander took over my CitiFinancial Auto Loan, and immediately made a claim that I am one month behind. This is an absolute untruth. I have my statements, but they are saying I am, and cannot pinpoint where. They are telling me to look at my payment history, and figure it out myself.

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30000114630681000
, US
Feb 13, 2011 3:03 pm EST

I have all the money order recepits to prove that I am not behind on the truck payment.I get numerous calls all times of the day and night. I pay it every week.I almost lost my job because of all the phone calls. The customer service sucks, one hand don't know what the other is doing.I don't even get forty hours a week on my paycheck, we had our hours cut back 2 years ago. I do the best I can.Does anyone else out there have the same problem as me?There isn't a number on the statement to talk to a real person, only suggest to go on the website to find out information.Is there anyone out there that can help get this squared away?I sent a message to the company with a name and phone number to get in contact with.Waiting on responce.

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Bellaluna7
Rowlett, US
Dec 02, 2010 4:44 am EST

They made payment arrangement with me saying I was past due. I remember paying but I can't find the payment since I did it over the phone with Citi before Santander took over. I had good and bad experience with CSRs and most were bad. I had one lady scream at me and cuss me out and another who was nice but didn't know what she was doing. All of them lied saying I can only send payment via Money Gram but I kept calling back and finally found a person with some sense in his head. He took a check by phone and everything was clear after. That lasted for 2 days then they started the harassing calls saying I was 3 months past due. I had JUST paid everything up to current (couldn't pay during the transition from Citi to Santander aka satan) and they were saying I was lying and explaining if I didn't pay today that my car would be repo'ed. I feel horrible because my grandfather co-signed to help me while I was in school to get a lower rate. This company has messed his credit up so bad his score drop from 725 to 660 because they reported my car repo'ed when it is in my gated drive way. They even sent repo guys to my house around midnight (law here say no one can come after 8pm-7am) and woke my grandfather up. My grandfather told them it is in the back yard locked up and they better get off the property before he calls the cops. He told them the car was paid current and they have no right to be here at 11:57pm ringing our door bell. They left without a problem but the endless harassment from this company is a nightmare. I am refinancing and going to my state's attorney general Greg Abbot to complain. THIS MUST STOP. I have over 200 voice mails from them in 5 week period. That is harassment in my state and I have notified them they CANNOT call me anymore yet they still do.

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tt92618
Irvine, US
Nov 09, 2010 2:35 am EST

They are doing the same to me, except I have two statements from them in a row, one of which says no balance past due, and the other which shows a month past due, AND shows the last month's payment made. So, its an impossibility. And worse, the car is paid off, which they also don't acknowledge. Dealing with their customer service is infuriating; they are absolutely useless.

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Santander Consumer USA Billing and website issues

I have a problem with accessing the website seems like every month whenever I need to make a payment. You enter your user name and password hundreds of times and nothing. I know that what I'm entering is correct. It doesn't tell you that it's not, that the combination is incorrect, try back later or anything. They also don't give you the option to cancel a scheduled payment like most other companies. I needed to re date a payment that wasn't even due yet and was told by a supervisor that it had already been processed so they couldn't help. There was no way that the payment couldn't have been processed that quick and for several days out. This is a very deceptive company.

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Cee My
, US
Jul 28, 2020 9:22 pm EDT

Same here. Recently, their website is gone.

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STERILEBAT
Somerset, US
Oct 27, 2010 1:22 am EDT

If you ever get the change to refinance with another company, you had better run dont walk to sign with someone else.Their web site, i believe is rigged so you cannot sign on no matter how many times you call them to reset.The federal trade com. should look into this company.

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Santander Consumer USA Overcharged

hia, I dont want to be to quick on the uptake, but, as I pay and go with a santander store card, I have been right up to date with all payments, as having debt already, I need to keep a very careful eye on my accounts. anyhow, after going through my bank statements and purchases, I notice I have been charged twice on one two items. I phoned up the customer services and paid 8 pounds to find nothing out, I will now have to write, I guess, to find out what to do. I am writing this as a possible warning, if that counts for anything. thank you for posting your complaints as well. p.s. get the customer services assessed.

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Santander Consumer USA scam

Triad Financial sold loans at the end of the loan term

to there partners in crime Santander consumer USA

to collect extra interest fees.

This is a scam. Santander issues a new account number and

places it on your credit report and it appears as a new loan. Then they

hire a reposetion company that is out of state to go around

your city looking for you useing information on your credit report.

There is no writen cominication from Santander, they claim

that they are a small company and can't aford the paperwork

I call them for a copy of the original sales agreement and they

told me that they have no record of it.

The manager at Santander was rude and threatened to garnish my

wages. They are not even in the state of California.

Triad Financial is a Scam.

See you in court.

A very angry and disappointed consumer that will fight

to make sure this does not continue.

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TM-AL
Arab, US
Jun 03, 2016 8:23 am EDT

Well where do I begin, my car was finance with city-financal auto. About April or May i called them to find out the pay-off on my car they told me and we was working out the plans on my car. I went to call them again to find out for sure how much and how i go about to pay it off and i was redirected to SANTANDER CONSUMER, that is were it all began. They cold not get there facts, paper work, nor any conversation we had together. I would talk to three different people everytime I called. they would call me all hours of the day and night. Well I made all my payments as I told them I would. They tried to say
I was 95 days past due and I wasn't. yes my car was to be paid off in september and i could not pay it in full so I was to be getting a mature ammendment loan, everytime i called they had is sent i would wait 3-5 days and nothing call them back and get told the same thing. It comes down to when they came and got my car, they had all the payments, and they came and got my car. when my husband talk to them the day they was here to get it they said they did not have my payment. After they left come to find out by my bank they had it. I went ahead to pay my car completly off and get it back and they said i could not have it back, I had to pay an additional $400.00 to get it WRONG I just paid every penny i owed on that car. needless to say i did get it back and did not have to pay the additional money. But just to say I WILL NEVER USE THEM IN MY LIFETIME. they can not get any of there stuff together, and they are some rude people to talk to and work with.

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Denver
, US
Nov 12, 2010 5:02 pm EST

I found out that Santander bought out Citifinancial auto loans and at that point I phoned in to request a buy out offer from them, submitted the amount over night, they released the title within approx. 10 business days. A couple of weeks afterwards I get a phone call stating that I have an additional balance on the account. WHAT? $162.70 good thru 11/4/10.It wasn't enough that I sent them several thousand dollars. Are they insane or what? The buy out total meant just that! Why are they trying to squeeze more monies out of me. I owe NOTHING and I'm so happy that I DO NOT have to do business with them. This nickle and dimming people to death has to STOP! They are not organized at all. A company who practices business the way that they do should not EXIST! DO NOT DO BUSINESS WITH SANDTANDER... You'll be SORRY! This should be their slogan.

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Bsveillon
, US
Apr 16, 2011 5:43 pm EDT

We financed our vehicle through Drive Financial. Like many other people here, there were no problems. Then, about one year into it, we were advised that our loan was sold to Santander Consumer Finance.

In March of last year, my wife was badly hurt at work. Hurt so bad I had to quit my job to see about her. Things were tight, but we still were able to pay the truck note. We went without eating several times, just to make the note. Eventually, I was able to work again, after I had moved by family who helped take care of my wife. Then, my wife's company cut off her work comp. payments, and we had to start the long process of a law suit.

We were left with just my paycheck. By this time, we had over two years of perfect payments, not even One late payment. But, we had fallen desperatly behind. They did work with us at first, but all downhill from there!

They gave us a deferrment and moved the late fees and penalties to the back of the loan and gave us until the next due date to make another payment. I was able to pay the next payment. It looked like we were getting back on track.

But not so fast-

I had a cut in pay, and told them I would be a little late on my next payment, but I could make it if I had a little lee-way. They said it was not possible. I asked if I could have one more deferrment. They said I just had one and was required to make at least one payment to qualify for another one. When I told them that I had made a payment, they told me I was lieing.

When I finally proved it to them, they said I still ahd to make one more payment to qualify for deferrment. I borrowed Money from family and made one more payment. Then they told me that I couldn't get a deferrment for another six months. And they said I owed interest on it, by the day.

By the next payment date, I was able to pay the regular note of $454.00. They said they wouldn't take it. They said I owed too much interest and that I needed to pay at least $800.00 and THEN the $454.00. I told them I wouldn't.

They called every hour every day for weeks. Finally, they made me an offer.

They said if I just pay a regular note, it would put all the interest on hold until the next pay date, which would give me time to raise the money.

I gave them the note. The next day, they called me and wanted money. I told them what was discussed. They said whoever made that "deal with you, lied to you. And now your interest is $2, 010.00"

Every time I call them, they lie to me. I give them money, and they call and want more.

Today, the truck was repossed while I was at someone's house! They pulled up right after me and hooked up.

I asked him to show me his papers stating he had the right to repossed, all he showed me was his IPHONE. And wouldn't let me read it.

Even my lawyer said it was repossessed illegally.

They don't care.

Over two years of perfect payments mean nothing!

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Tooz
Los Angeles, US
Oct 13, 2010 9:18 pm EDT
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Id like to hear more details. Did they list this loan twice on your credit? It should only show once and if its on thir twice they need to remove it. Did you pay triad/Santander on time? Did you miss payments? If you defaulted on the contract they can reposess the car legally and they can use your credit report information to locate you...it's called skip tracing in the collections world. I do not believe wage garnishment is allowed in California so that is an empty threat...if a collection agency had said that you would have them over a barrel but as a first party collector they can say it.

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Santander Consumer USA double billed - no refund so far

Santander Consumer USA recently took over loans/payments for CitiFinancial Auto who my original loan was through. Upon being notified by CitiFinancial about this change, I contacted Santander Consumer USA to get some more information. Specifically I asked them if my current payment arrangements with CitiFinancial would remain in place. That is, the automatic monthly draft that I had setup with CitiFinancial. The representative from Santander told me that no, the payments would not automatically carry over to them and that I needed to setup a one time payment for September and then schedule future auto drafts through the Santander website. When the time came for my payment to be made, I discovered that my previous payment arrangement with CitiFinancial was still in tact and had been transferred to Santander. So, Santander auto drafted my bank account (they said they wouldn't, which is why I needed to schedule a one time payment). So basically I have been charged twice. That's just shy of $400 missing from my checking account that they had no business taking out. Money that I need for things like gas and groceries. When I originally called, I was told that I needed to fax them a copy of my bank statement to "prove that I was overcharged'. First of all, why the hell do I need to"prove" it? Shouldn't they have records that show that they received two payments from me? I cannot believe they have the nerve to request personal, private documents from me because of their screw up. I am still waiting on the money to show back up in my account. I cannot believe the complete and total lack of consideration for the effect this has on me financially. $400 might not be a lot of money to be missing for some people but it is for me.

One positive note. I called them back after the first rep told me I needed to fax my bank statements. I was hoping for a different rep that would be willing to be a little more proactive. I ended up with a very nice lady who, upon placing me on hold, contacted their accounting department. She was able to verify with them that they did in fact receive two payments last month from me. She promised that the money would be refunded as soon as possible. I am hoping to receive it in the next 24-48 hours. I will follow up on this to let everyone know the result.

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jasmazzon
Brooklyn, US
Feb 26, 2014 8:51 am EST

SANTANDER, THE BANK WITH A SYSTEMIC PROBLEM AND AN "WE DON'T GIVE A SH$%^ ATTITUDE.

My bank name was Sovereign Bank in Brooklyn, NY and one day I went into my local branch only to find out that it had acquired a different name- Santander Bank. Right away I started having problems with the bank under this name. Whether it was with a representative telling me that I had to wait 5 days to use cash deposited through an ATM at their own local branch or with the bank claiming that they had sent me a new card which they never did, the problems were constant.

The last problem involved using the new debit card that I had asked them to send me to replace the one that they claimed to have sent out to me. I activated the card and transferred all my on-lines accounts such as amazon.com, google.com, ebay.com, macy.com, overstock.com and several other accounts to the new card. They insisted that I had to start using the new activated card immediately, but when I started using it at local stores it was declined as either debit or credit.

I called them and explained the problem to them when a representative who was not sure that she had solved the problem, tells me that the card was declined because I had entered the pin incorrectly five times. Of course, that claim was wrong and it is unbelievable that they have that information in their system when that never happened.

This bank will soon discovered one thing: A bad reputation as a banking institution can undo whatever positive history the bank had accumulated. Banking institutions are powerful, but they can not afford to be so careless in this age of the Internet where everyone has access to information about a business' stupid and incompetent management.

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jasmazzon
Brooklyn, US
Feb 26, 2014 8:48 am EST

SANTANDER, THE BANK WITH A SYSTEMIC PROBLEM AND AN "WE DON'T GIVE A SH$%^ ATTIDUDE.

My bank name was Sovereign Bank in Brooklyn, NY and one day I went into my local branch only to find out that it had acquired a different
name- Santander Bank. Right away I started having problems with the bank under this name. Whether it was with a representative telling me that I had to wait 5 days to use cash put through an ATM at their own local branch or with the bank claiming that they had sent me a new card which they never did, the problems were constant.

The last problem involved using the new debit card that I had asked them to send me to replace the one that they claimed to have sent out.
I activated the card and transferred all my on-lines accounts such as amazon.com, google.com, ebay.com, macy.com, overstock.com and several other accounts to the new card. They insist that I had to start using the new activated card immediately, but when I started using it at local stores it was declined as either debit or credit.

I called them and explained the problem to them when a representative who was not sure that she had solved the problem, tells me that the card was declined because I had entered the pin incorrectly five times. Of course, that claimed was wrong and it is unbelievable that they have that information in their system when that never happened.

This bank will soon discovered one thing: A bad reputation as a banking institution can undo whatever positive history the bank had accumulated. Banking institutions are powerful, but they can not afford to be so careless in this age of the Internet where everyone has access information about a business' stupid and incompetent management.

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jhadden
Kent, US
Sep 17, 2012 8:57 am EDT
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HSBC sold my car not to Santander. My original loan was finance for 6 years. The car should be paid off bu they have a balance of $6, 000 + dollars. I recently talked to one of their reps who told me that after the 10 day grace period they charge a daily late fee so that is why my balance is so high. He said to me that no one ever told you about this policy. THIS IS A RIP OFF AND FRAUD! At the most is should only be approximately $1, 000. They said all the car finance companies charge a daily fee. THIS IS NOT TURE. I never heard of this company so not I am trying to get this all straighten out with the help of my credit union. At this point, this car will never be paid off. I am so angry. I will also file a complaint with BBB, Consume Fraud and anyone else also. These people operate like loan sharks. jdh

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annie lee /donald lee
spencer, US
Nov 26, 2011 9:43 pm EST

i was wanting to check what all my ins cover acct num 8343109

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Hope Sorrows
Cleveland, US
Nov 25, 2011 3:33 pm EST

I have been dealing with Santander's wrongful doing for three years and I even went as far as going to local news Fox 5 atlanta but they didn't want to say or do anything about it . So that it got to the point where I had my car packed for a trip out of town for a funeral with clothes and even had my cancer meds. in the car . Guess what happened they stole my car and now they are destroing my credit rating with their slander marks against me .I believe that they are owned by someone in a government office that is why they are still in bussiness with all the complaint's they have against them in almost every state in the usa . It's almost like the president himself ownes them he is the only person that has the power to overlook that many complaints . everyone was to join together and file a class a lawsuit against them would be the best thing to do at least it might get them exsposed for being the crooks they are.

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dgingeri
Denver, US
Feb 15, 2011 4:44 pm EST

I had them take over my loan from HSBC in April of 2010. the first payment I made over their web page double billed me. I called them to try to work something out and either cancel or get a refund so I could get grocery money, and they were completely obstinate about it. They claimed that I had entered 2 payments of $500 each at both 5:08pm and 5:26pm. I asked them why would I schedule 2 payments within 18 minutes of each other for the exact same amount to be taken out the same day? They wouldn't hear anything else about it. I mentioned that I would contest the transaction with my bank, and she said "a bounced transaction can lead to repossession of your vehicle even if the payments are up to date, and it will incur an additional $350 charge for the bounced transaction." She basically said if I disputed the charge, they'd repossess my car. The woman actually hung up on my when I asked for a supervisor. The same thing happened again the following February (a week and a day ago as of this note) with a slightly smaller payment. They were exactly as obstinate about it the second time around.

I filed a complaint with the BBB and am filing a small claims suit for the overdraft fees they incurred. I'm also going to spread as many complaints about them in as many places as I can.

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royalt
Crawford, US
Oct 22, 2010 1:14 pm EDT

Same situation here, never heard of these jerks before! I have to thank Citifinancial for screwing this up for me! These people double billed my account this month, and of course they need to see bank statements, they are so incompetent I am afraid to send in my bank statements because they might do something illegal with those! Of course I know the money is as good as gone, I'm just afraid they will do this again!

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albudracr
Indianapolis, US
Oct 17, 2010 2:58 pm EDT

Same situation with my loan. Normally my checking would have been $359.74 lighter on the 5th of the month. After finally getting through their automated system to a human being after several hours (expensive on a cell phone) I was told the same crap. Frustrated and fed up I PAID THE CAR OFF. Over $3000 had to be taken in two over the phone authorizations to clear out the loan. Did this on the 10th of September. Have the letters to prove it. Didn't receive the title in the mail until the 15th of October! Then on the 12th of September, they took ANOTHER $359.74 out of my checking! After the loan was PAID IN FULL! IDIOTS! Got the same run around about faxing in my bank statements. Did this, have yet to get even the slightest response. That was over two weeks ago. Good luck, I'll be calling them again this week to try to get this resolved, but I will NEVER do business with these jerks again!

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Santander Consumer USA fraudulent - business

This company which is named santander consumer in texas usa is trying to get extra fraudulent fees from me which I never had with citi finacial auto. I have always made my payment way before it was due and now I have to deal with this fraudulent company which I already did research on only after one day of dealing with them and wow to my surprise everyone is havng the same problem as in thousands of unlucky families.

Something has to be done!

Are they part of some type of mafia scam - total rip offs - who are these crackpot who think they can get away with anything and everything!

This needs to go to the president of the usa, asap, who will be the only one to stop this from happening!

All I want is to be treated like a good customer like I used to be with citi finacial auto

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r dente
Boca Raton, US
Dec 29, 2010 3:28 am EST
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i have over a thousand dollars in fees, thay give me the run around when i question the charges

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Sadtoworkhardandnoresults
Newport News, US
Aug 08, 2013 2:57 pm EDT
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This is the state that America is in now. The State of Texas is "sleeping and doing business with the enemy(Santander)! Which is why nothing is done. You write the Attorney General and He "sees nothing is going on. 200, 000 people complain, but we are all "low life, " "stupid" and no gooders that even though hard times come and lay offs, and we still pay a car payment and a little extra monthly, we are all dead beats, because we are not rich. But who really cares. The BBB writes that they are not that bad; as far as other banks go. The President, probably could care less, he was not laid off, or suffered in this economy. As long as this horrible company does not do anything to the entire masses, the masses think that all of us that were scammed and harassed by Santander are idiots that do not have the "intelligence" to pay their bills. As for me, I am very tired, sad that I paid $13, 000 for a $9, 000 car and sad it was taken away and held "hostage" for $2, 000-$3, 000 more and the Government turns their heads away. You have to just love this country! (That would allow a foreign company to come in and treat it's American citizens the way they do daily.)

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BPotter
, US
Nov 01, 2010 3:50 pm EDT
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This company is BY FAR the WORST company in regards to customer relations that I have EVER dealt with.

I am 2 months past due in my car payment, they call you non-stop morning noon and night. I just spoke to someone last week who assured me my car would not be repossessed, once I told him I could pay the total past due amount within the next week. They never called me again. I called multiple times and was unable to speak to anyone, I was asked for my account number by an automated system, to which I don't know because they have taken over my account from Sovereign Bank, and I have never ONCE received anything in the mail from them- all of my dealings have been over the phone. Needless to say my car was repo'd, now I call and instead of being limited to my account number, I'm asked for my social and able to speak to someone immediately. I spoke to 5 people this morning including the manager Lina, who seems to be the person in charge, all I asked for given the circumstances was to have the repo fee waived or even yet, deferred to the end of the loan. They won't work with me at all, were very rude, basically insulted me for not being able to pay my bills, and told me I need to pay the entire past due amount plus the repo fee before they will release the car, and if it's not done in 10 days they will auction it. Also told me they called me multiple times in the last week, which is completely untrue, because I work from home, have been here, and looked at my caller ID as I was speaking to her. This company is a predatory company that looks to screw poor and financially troubled people, they have zero class nor interest in working with their customers, they should be put out of business. I have a 25k loan with a balance of 8k, they wouldn't accept any type of negotiation. I find that to be very unreasonable

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KnoCK ouuT
San Antonio, US
Oct 09, 2010 12:42 am EDT

i totally agree with (( TOOZ ))
you ((conureking)) are loco in the cabeza. even your name is crunk.
lol.

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conureking
glenburnie, US
Oct 09, 2010 12:27 am EDT
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MY SON, , I THINK YOU ARE REPLYING TO THE WRONG COMMENT, , OR YOU MAY BE SPACED OUT, , GET A LIFE, ,

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Tooz
Los Angeles, US
Oct 09, 2010 12:03 am EDT
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Conureking-your post is irrelevant to santander usa. Keep it relevant please. Steve - what fees are they charging you? You have a lot of accusations in your complaint but nothing of substance. If your point is that santander is a crappy company that treats people like dirt, you are right. You kinda lost me with the mafia reference...did santander send a hit man after you or something? Seems like you dont know what youre mad at. As for the fraudulent fees, what fees are you talking about? Every company charges fees. Without more info, your complaint is basically a bunch of hot air.

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conureking
glenburnie, US
Oct 08, 2010 11:18 pm EDT
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This company is a joke! I've been faithfully trying to get a loan modification through Wells Fargo/HAMP program since April. Due to an injury at work that has left me disabled and awaiting a second surgery, I have been unable to go back to work in over a year. My only income is disability and barely covers my mortgage payment and leaves nothing left to pay my other monthly expenses (electric/water/heat). I contacted Wells Fargo when my mortgage was 2 months behind and explained the situation. I was told that I would qualify for a loan modification and I needed to apply for the HAMP program. Thus started this vicious roller coaster ride that this company has put me through. I have sent in all paperwork that they have requested. I've called to make sure the information was received. Was told that my file was 'under review' and to wait for their decision. I call over and over again to check the status and I'm told the same response "it's under review". When I finally get notification it's to be told that I've been denied and I have to sell my home back to them. I call again and was told to resubmit all the paperwork again. Which I do, and go through the same process as before. I've done this 4 times already. Each time they tell me that since I didn't get approved for the program, there are others that I can get. This has been going on for 6 months with no resolution. They have threatened foreclosure twice. The most recent is a demand to leave my home by October 28th. I have put a lot of time, love, and money into this home and don't want to lose it. I've tried making payments but have been told that they won't take partial payments. This has forced me to sell things to make a couple of full payments but these payments are never applied to the principle. One payment is even 'on hold'. I see this company as a fraud. They tell you that you will qualify for programs under Obama's new programs and get a new loan modification to help home owners in this terrible economy, but they are lying. I'm appealing to everyone. First of all, refuse to deal with this company if you are able to. They are pro's at fooling you into thinking they will help. Also, if there is anyone that can help me in this situation, please contact me. You can call or send an email to conureking@aol.com. I don't want to lose my home and it's become clear that I will get no help from Wells Fargo. Thank you

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Santander Consumer USA account protection election

hi i just enrolled in sovereign bank account protector and it dose not work at all as a result of these new regulations regarding overdrafts, the bank generally will not pay your one time debit card purchases and ATM transactions if they would overdraw your account creating inconvenient situations for you i have tryed it so mutch times even if i am 20 bucks short it will not pay it for you so why did the bank offered this account protection and it dose not work but the bank is saying if you enroll in sovereign account protector, they will be authorized to pay ATM transactions and one time debit card puchases even if they overdraw your account and charge overdraft fees they say there is no guarantee that ALL overdrafts witch mean more than one will be payed, but not even your one time debit card or ATM transation they will pay so why are they offering account protector and it dose not work

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Mr Frost
Philadelphia, US
Dec 12, 2011 7:59 am EST
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told me they could get me a refi loan, after a 400.00 app fee no loan
ok three months later asked about an increase to my line of credit, the guy that waited on me stopped in the middle of talking to me to call a client to see if he could get a client to come in and discuss a refi, hence my application was done wrong with wrong info and its been two weeks and I havent heard back futhermore He fail to tell me that just for filing a app for a new loan would make my current interest rate go from 6% to 19% this local branch of sovereign Is A Joke

Santander Consumer USA Customer Reviews Overview

Santander Consumer USA is a financial services company specializing in automotive financing. They offer a range of products including new and used car loans, as well as auto refinancing options. Their services are designed to cater to individual consumers through a network of dealerships across the United States. Additionally, Santander Consumer USA provides online account management tools to assist customers with the management of their loans. The company aims to provide financing solutions that can accommodate a variety of credit situations.

Santander Consumer USA In-depth Review

In summary, Santander Consumer USA is a financial services provider with a focus on auto financing. They offer a range of products and services, but their transparency and customer service could be improved. Below is a detailed review based on the available information.

Company Overview

Brief History: Santander Consumer USA has established itself in the auto financing market, with a history of providing loans for vehicle purchases.

Mission and Values: The company aims to provide accessible financial solutions to its customers, though specific details on their mission and values are not provided.

Service Area and Locations: They serve customers across the United States, with various locations for customer support.

Financial Products and Services

  1. Auto Financing Options: Santander Consumer USA specializes in auto loans for new and used vehicles.
  2. Personal Loans: Information on personal loans is not readily available.
  3. Credit Lines: They may offer credit lines, but specifics are not clear.
  4. Online Banking Services: Customers can manage their accounts online, though the full extent of online banking services is not specified.

Interest Rates and Fees

Comparison with Industry Standards: Their rates are competitive, but may not always be the lowest in the market.

Transparency of Fee Structure: Fee structures could be more transparent, with some customers reporting confusion over charges.

Hidden Costs: There have been mentions of hidden costs, which is a concern for potential customers.

Customer Service

Responsiveness: Customer service responsiveness varies, with some customers reporting delays.

Support Channels: They offer phone, email, and chat support, but the effectiveness of these channels can be inconsistent.

Customer Service Hours: Support is available during business hours, but exact times are not specified.

User Experience

Website Navigation and Usability: The website is generally user-friendly, but some users may find it challenging to locate specific information.

Mobile App Functionality: The mobile app provides basic functionality, but may lack some features found on the website.

Online Application Process: The online application process is straightforward, although some users have reported technical issues.

Loan Approval and Funding Time

Pre-approval Process: They offer a pre-approval process, but details on how it works are not clear.

Average Time to Funding: Funding times vary, with some customers reporting quick funding and others experiencing delays.

Documentation Required: Standard documentation for loans is required, but specifics are not provided.

Payment Options and Flexibility

Auto-pay Features: Auto-pay is available, which can help customers avoid late payments.

Payment Plans: They offer various payment plans, but details on flexibility are not clear.

Late Payment Policies: Late payment policies are in place, but specifics are not mentioned.

Customer Reviews and Testimonials

Positive Feedback: Some customers appreciate the loan options and customer service.

Common Complaints: Complaints often relate to customer service issues and unexpected fees.

Overall Satisfaction Rating: The overall satisfaction rating is mixed, with both positive and negative reviews.

Financial Health and Stability

Credit Ratings: Credit ratings are not specified, but the company is a recognized financial institution.

Company Performance Reports: Performance reports are not publicly detailed.

Industry Reputation: The industry reputation is average, with room for improvement.

Community Involvement and Social Responsibility

Charitable Initiatives: They engage in charitable initiatives, though specifics are not provided.

Environmental Policies: Information on environmental policies is not readily available.

Economic Impact: The economic impact of their operations is not detailed.

Security and Privacy

Data Protection Measures: They claim to have data protection measures in place, but details are not exhaustive.

Privacy Policy: A privacy policy exists, but customers should review it carefully for specifics on data handling.

Customer Data Handling: The handling of customer data is in line with industry standards, but transparency could be improved.

Rewards and Incentives

Loyalty Programs: Details on loyalty programs are not provided.

Referral Bonuses: Referral bonuses may be available, but specifics are not clear.

Special Promotions: Special promotions are occasionally offered, but are not a consistent feature.

Terms and Conditions

Loan Terms: Loan terms vary and should be reviewed carefully by potential customers.

Early Repayment Options: Early repayment options exist, but may come with penalties.

Service Agreements: Service agreements are standard, but customers should read them thoroughly.

Accessibility and Inclusivity

Services for Underbanked Individuals: They offer services that may be accessible to underbanked individuals, but details are not clear.

Multilingual Support: Multilingual support is available, which is beneficial for non-English speakers.

ADA Compliance: The company complies with ADA standards, ensuring accessibility for all customers.

Conclusion and Final Assessment

Overall Impressions: Santander Consumer USA offers a range of financial products with a focus on auto financing. However, their services are marred by inconsistent customer service and transparency issues.

Recommendations for Potential Customers: Potential customers should compare Santander's offerings with other financial institutions and carefully review terms and fees.

Comparison with Competitors: When compared to competitors, Santander Consumer USA holds its own in terms of product offerings but falls short in customer satisfaction and transparency.

How to file a complaint about Santander Consumer USA?

### Guide on Filing a Complaint Against Santander Consumer USA on ComplaintsBoard.com

1. Log in or Create an Account:
- If you already have an account, log in to your ComplaintsBoard.com account. If not, create a new account.

2. Navigating to the Complaint Form:
- Locate and click on the 'File a Complaint' button at the top right corner of the ComplaintsBoard.com website.

3. Writing the Title:
- Summarize the main issue with Santander Consumer USA in the 'Complaint Title'.

4. Detailing the Experience:
- Provide detailed information about key areas of concern.
- Mention relevant transaction details with the company.
- Describe the nature of the issue.
- Include steps taken to resolve the issue and the company's response.
- Explain the personal impact of the issue.

5. Attaching Supporting Documents:
- Attach any additional supporting documents but avoid including sensitive personal data.

6. Filling Optional Fields:
- Use the 'Claimed Loss' field to state any financial losses.
- Specify the desired outcome in the 'Desired Outcome' field.

7. Review Before Submission:
- Ensure your complaint is clear, accurate, and complete before submission.

8. Submission Process:
- Submit your complaint by clicking the 'Submit' button.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure each step is clearly defined to assist users effectively in filing a complaint against Santander Consumer USA on ComplaintsBoard.com.

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Contact Santander Consumer USA customer service

Phone number

+1 888-222-4227

Website

santanderconsumerusa.com

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