Santander Bank
reviews and complaints

Consumers is the worst place to get financed when it comes to getting a car and trying to get back on your feet, especially through a pandemic. Our daughter is a disabled autistic 13 year old and I received a call during a crisis and the representative just flat out stated, "he did not care what situation I was in, I just need you to make a payment!", and then hung up on me! I am going on 6 years of payments and my balance is still at $10,000+, seriously?/, and the car is at over 100,000 miles! Unbelieveably unprofessional staff, unsympathetic and did not even care if I am a hard working mom at 50 trying to pursue a Nursing career here in Las Vegas at *** and trying to keep up with bills on our fixed income! I guess the people who only lie and play the politics get the breaks and good people like our family always will get ***!*** and

Everything that has been said here is true. I opened an account with them and a month later after they my Social Security Direct deposit, they closed my account, no phone call or email or letter, I found out my account is closed after I go to ATM and card is locked. The manager lied to me and told me account was closed and all my remaining funds were sent to another bank which he said I committed bank fraud, all lies. That other bank said they, even if that happens, they don't do that. I called customer service and agent told me account was closed, but that my $$ would be mailed to me in 30 to 90 days. I have rent and bills due, now what? They don't care. If I don't get my $$ soon, *** will hear what happened happened and also a lawyer. Until they are held accountable they will continue hurting we the consumers who trust our $$ to Santander. Hope others here are also taking legal action.

Worst Customer Service EVER! Went to this bank Saturday at 12:30PM on 9/26. Needed a signature medallion for my Letter of Intent to transfer funds from my old 401k to an IRA. I had the letter in hand...dark-haired younger woman took my documents and told me I needed to bring in a recent statement from the brokerage as well. I had one on my cellphone and could email to her. She then said I needed a form from the brokerage instead of my LOI. (She clearly did not want to do her job). I told her that as a ***-licensed former investment financial advisor, I knew I did NOT need to use a brokerage form, but that my prepared LOI would suffice. She didn't listen. She made it clear that I had driven out there for nothing. I am not happy that she could not have simply gone online and printed out a form if she wanted it...which was NOT needed at all. Her only reason was "we get audited". Ridiculous lack of customer service...I am glad most of my funds are elsewhere!

I was scammed a third party through Crypto Currency platform. I filled a dispute transactions through my bank Santander and all they say to refuse my dispute is I Authorized the transaction, of course I Authorized, but I trusted Crypto by going through them to the their party in Crypto platform. Santander bank after filled 2 times dispute transactions against Crypto because without Crypto I won't be able to do any business with the third party and my bank insisted to get my money back, I believe instead of fighting for me and protecting me as customer they protecting Crypto and have interest with them. I have other bank *** whom I also used to Crypto, same day I filled a dispute transactions, easily *** get my money back. Credited to my account including fees and all.I am going close my account and other account belongs to family members. And suggest friends and family to stay away from Santander bank . They are not there for you in case something went wrong. Stay away Santander bank.

Avoid this bank like a plague . I have been a customer of *** since 2014 and have never had problems until recently. The *** ,*** branch manager had been calling me obsessively and apparently accessing my bank information without my consent . around the same time my bank information had been breached and unauthorized charges were made .,When i tried to file a dispute the bank representative claimed they weren't sure if i'd receive my money back ( as per FDIC this is illegal for a bank to deny claims from fraudulent charges) I also contacted customer service to report that their branch manager had been calling me without my request prior to these charges being made and they initially tried to deny that particular person worked for santander . After revealing i had emails from this manager with her name on their letterhead they finally admitted she did work for the bank and proceeded to file a complaint . I'm apparently not the only person who has been an issue of fraud with this branch as the *** reviews show someone else having similar problems .

The worst company I have ever dealt with not just bank but company. I have an auto loan through this bank. We thought we were making the correct payments through their website just to find out the payments were going to China. After my vehicle was reposesed I explained the situation to several reps only to be met with hostility and rudeness. After I got the money back from my bank I still had to pay hundreds of dollars in late fees plus repo fees as well as pay the auto auction to release the vehicle back to me. After speaking to several reps I was assured there was no storage fees, which was recorded, and I asked several times if the amount they were telling me was all I needed to pay and several times they said yes that is all. After I paid all of my fees and went and got my vehicle, I noticed one month later they are trying to bill me extra for storage fees and the money I already paid to have the vehicle released back to me. This company has lied to me so many times and they are absolutely ripping me off, and if you try to challenge them they will put you on hold for 15 minutes then come back and pretend like they can't hear you on the other line like their manager Julie did to me. No compassion, incredibly rude and unprofessional employees and shady business practices!

This bank is run by absolute filthy scumbags. I sent a wire transfer to a vendor I have conducted business with before, and Santander took a 50 euro fee for them to conduct an, "internal review" of the transaction. What the h*** does that even mean? I called my bank multiple times to see if I could get an explanation for why Santander took this fee, and my bank didn't have an answer. I then called Santander and spoke with a representative who told me she couldn't discuss why the fee was taken because I was not a Santander customer, so they told me to call the Vendor and have them call Santander to try to get an explanation for why this fee was taken. The vendor called Santander, and they told me that I did nothing wrong, that sometimes the bank just needs to do "internal reviews" of transactions.I have literally NEVER heard of banks taking fees like that during transactions, especially when the party sending money did nothing wrong. After finding this page, it is clear to me that Santander is running schemes like this where they give [censored] reasons for hitting people with fees for absolutely no reason. Nothing like this has ever happened when I've sent wires to other banks. S Santander and their scummy business practices. I will never send money to a Santander account ever again.

My son had a loan and was late on some payments in 2020 (the year of Covid). He caught up all payments in that year. He woke up yesterday morning 4/19 to find that his car was gone. He made a payment in March, but missed February. He was told that he had to pay about $2,000 to get his loan reinstated. We arranged for the money and called back within a couple hours asking where to send the money and in what form and he was told they changed their minds and would not allow reinstatement. He was told because he was late on some payments in 2020 they were keeping the car and would sell it and he would owe the difference. He explained that he was in A Union as an apprentice because he was embarking on a new career and he was in between job placements. Fact is we had the money as directed by them and they changed their minds. As a result we had to go out and buy him a used car so he could continue to work. He was only a couple of months behind and this was a first offense. This company wouldn't budge. This company is not compassionate and we were told by the dealer what happened and they said, "Oh. ***. Yeah they are terrible." I see by the reviews they are rated very low. Why are they still in business. DO NOT EVER GET A LOAN FROM SANTANDER! ***! HOW DO THEY STILL HAVE AN A-!

Our business has been working with Santander Bank since 2006. They have all our business and personal accounts... plus mortgages. Had a great experience... until the past few years. As a small business owner, Covid hit us hard. We had to put our mortgages on hold for a bit until we could get back on our feet. Santander was helpful with that... until they took us off hold with NO notification. Missed two payments before we got wise to what happened. As we're still trying to get on our feet we can't make back those missed payments. Been working with Loss Mitigation for 7 months. Horrible customer service and communication. Happy to give them the information that they need, but they don't communicate. No emails. Will call but if you don't pick up won't leave a message. You get NO information... until Collections calls to tell you that you owe money and Loss Mitigation has canceled your request due to lack of documents. Documents they never communicated they needed. Some documents you may not even have... and they cancel your request. Beginning to think they want to cause problems. Got Attorney General involved and they still take no responsibility. DO NOT work with Santander. They are HORRIBLE at communicating -- unless it's Collections. Do not care about your credit. And *** is RUDE. Avoid! Avoid! Avoid!

Awful company overall! They deserve - stars!We have financed several cars through other companies, this is by far the worst company, they have awful customer service, awful online "support". We have our car financed through Santander, not by choice, that is who the dealer used. We set up our online account as soon as we received our welcome letter and set up automatic drafting through our saving account, the 1st payment there was an "issue" processing the auto draft, ok, we call and they couldn't tell me why the draft did not go through, they disabled the auto draft, we make the payment and pay the $30 late fee even though I am not convinced it was our mistake, I speak to a representative and was under the impression that auto draft is back on schedule, one month later, we have the same problem again, no reason as to why, the account information is correct, auto draft is set up, I have emails to prove that, yet they say that it is disabled, I get on the phone again, and spoke to 3 different representatives and not one could tell me what the problem is, except that whatever it is its my fault. They state that they can't see my online account, I know that is a load of bull, companies like these have access to all customers online accounts and can see all account activities. I would NOT recommend this company to anyone!

DO NOT bank with Santander! We have done basic banking with them for decades (direct deposit of paychecks, withdrawals). Recently we received a life insurance payout. Santander has THE WORST communication! I specifically asked if due to the large amount did I need to sit with someone, or the branch manager and the teller said no, it will deposit just fine. This check is in *** funds. Regardless, I asked about exchange rate process, if theres any fees, and again was assured by TELLER it would all be fine, no worries. They dont know what their own policies are! Turns out Santander can take up to 8 weeksthats TWO MONTHS to process such a check. And there are fees in addition. We asked for our check back after a week went by and the funds werent deposited. We were lied to by their adjustment services location in MA saying they would overnight the check back to our local branch. 16 days have come and gone. No check. No tracking number. No answersThe local branch manager was as helpful as one can be, but its out of his control really. Other than the fact the branch manager apologized for the tellers actions, for not informing us the day we came with check in hand - for that they get acknowledgment. But what we need is trustworthy banking and HONEST communication! If they had just told us the truth, that they were not going to overnight it, then say so! Its all the platitudes and misinformation that is really maddening. We discovered that *** has FAR superior cross border banking, and they know their polices and TELL you accurate time frames! Is it really that hard to inform a customer something will take 5-7 business days? Cmon man! Life is hard enough as it is. We have NO clue where our check/money is because SANTANDER doesnt even know. This money was meant to be a huge unexpected blessing in our livesand it will be as soon as we get it far away from Santander and into our new bank account with TD. We are DONE with Santander

I have a car loan with Santander and have had nothing but problems for three years. I made an online payment and when I submitted, I got a message saying it had not gone through, I tried it again and got the same message. When I tried the third time, I got a message saying I couldnt make anymore payments that day. I tried calling the company but it was a Sunday and they werent open. I checked my bs k account and sure enough, two payments had been taken out of my account. I called the bank at 8 am Monday morning and she told me that since I hadnt made the payments that day, she couldnt return the money. She told me to go through my bank and stop one of the payments. So I did. Thats when the real trouble started. The next month when I tried to make my payment, my bank account was blocked. They said since I had stopped payment, the account was now blocked. I was told it would be fixed. They let me pay with a credit card and waived the fee (I think the fee for paying with a credit card is ridiculous anyway). Same thing happened the next month and they told me they couldnt waive the fee again. After talking to a supervisor I hit it waived. Was told the problem would be fixed. Next month. Problem still not fixed. They wouldnt waive fees anymore. After telling me for 4 months that they would fix the problem, numerous hour long waits and calls. They finally told me they cant fix the problem because its *** that has blocked my account. There is nothing they can do and they will not waive anymore fees. A problem they created, gave me advice on how to fix which made it worse and then they washed their hands of it and could care less that there mistake costs me extra money each month. I absolutely hate this company and will never again deal with them and will tell everyone I know not to either. They fo not care one but about their customers. Three years later and Im still paying extra because of their mistake. DO NOT DO BUSINESS WITH THIS BANK. THEY DO NOT CARE ABOUT THEIR CUSTOMERS.

Can I leave less than a one star review? We fell behind on payments on our car with Santander. Unfortunately, we contracted the covid virus which made our situation worse and the car was repoed on December 8th. We called to find out what are options were and was told on 2 separate phone calls that we would have to pay the past due payments with fees to bring the account current and after answering a few questions, if we were 'approved' we would be given an amount with instructions on how to redeem the car. During the first phone call, we informed them that we were unsure if we would be able to come up with the funds, so the rep told us to call back when we were able to secure funds and she would walk us through the redemption process. On the second call, we assured her we were ready to make the payment and she started the process by asking questions. She then informed us that we would have to make a full payment to bring our account current and gave us the amount, that we would have to overnight a cashiers check to a special address and when they received the payment, they would accredit our account and send a release form to the recovery company to release our car. So we double checked the amount and address with her several times then followed her instructions carefully. The check was delivered the next day and the amount was credited to the account and brought current with the next payment being due in February . So we waited a couple days for them to send the release form. They never did so we called Santander back to inquire about the form. They tell us that they would not release our car because our redemption was denied and that the entire payoff amount was due. WHAT?! We followed their direction exactly, even paying to overnight a cashiers check, to be told that we were never approved for redeeming our car? They even said they listened to the original conversations and that we were told we did not qualify several times (not that they would let *** listen to those conversations) although she stated several times throughout the conversation what the amount was that we needed to make the cashiers check for to redeem the car and the overnight address to send it. It makes no sense. We did exactly what they wanted us to do and now they still plan on selling the car. We are being lied to, cheated and ripped off. Not sure where we go from here.

To Whom it may *** at Santander bank,My name is *** 3/8/1972. I am the executor for the estate of ***. I applied for assistance from a govt program. Notwithstanding, that message has not been relayed. Therefore, the bank has put the unpaid mortgage at the end of the loan and is hindering my application. I need the bank's participation to get the money sent to the proper department. Please refer to the following letter below and contact *** with the necessary info for the mortgage relief program HAF --homeowners' assistance fund. This is for the estate of *** account number ILN-***. last 4 of ssi# *** last 4 of mine ***. if you have questions call me at *** Services Attachments Mar 3, 2022, 6:51 PM to me 3/3/2022 *** Dear ***,This letter is to confirm that you have completed the Mass HAF application for assistance. To date, Mass HAF has cleared the application for preliminary eligibility for mortgage assistance. Receipt of this letter does not guarantee assistance; Mass HAF must confirm your mortgage details with your servicer to finalize eligibility and make payments on your behalf.Your mortgage servicer has not completed the process necessary for Mass HAF to make payments on your behalf. The program will continue outreach to your servicer. If you are in contact with your servicer, you may notify them that you are an applicant to Mass HAF and that your application requires the servicer to engage in the process. If your servicer has any questions about the program, they should contact ***.More information about our program is available at https://massmortgagehelp.org/. You may also contact the *** at ***. Sincerely,Mass HAF

Hi, I have been going thru a 2 year process to assume my mothers current mortgage loan in the home I reside in. I finally was sent a application along with documents showing the loan estimate and estimated closing cost in the amount of ***. In August I returned the application and check for closing cost. My check was cashed on 9/8. I spoke with someone on 9/15, because I needed to send another 2 documents (Agreement of the sale between mom and daughter and proof of relationship) before my application was sent to the underwriter. On 10/15 my mom and I called for a status update and we were told verbally the application was denied and a letter was sent on 9/27. We both advised nothing was sent and as of 12/2 I have still yet to receive a formal letter of denial. At that time we asked why the application was denied and the rep stated she could not see the letter and would put in for the letter to be sent out again. I than asked about the closing cost check that was cashed and I was told someone would be contacting me about the refund check. Someone contacted me the day of 10/15 and advised my check was in the process of being returned and they would follow up the following week with a tracking number. I received emails for 2-3 weeks advising my refund process was being worked on, but no tracking number. I spoke to someone on 11/9 and I was advised it was sent to management for approval on 11/05, but still no refund. I made another call on 11/19 and I was kept on hold for 22 mins while the rep was suppose to be looking into the refund and when I hung up and called back customer service was closed. I guess the young lady didn't feel like doing her job. I called again on 12/1 and a young lady stated someone would be returning my call right back with a status and no one called back. I am hoping the ComplaintsBoard.com can help me with the return of my closing check. I have attached supporting documents for my case. Thank you in advance

This all started on 10/1 when i received a bank statement from Santander Bank showing a card purchase for $52.99 for WebRoot Software. I don't own a computer nor know how to use one. I'm 83 and don't plan on learning how to use one. My Husband had just passed away March 8th, so it wasn't him that purchased it. The purchase happened on 9/24 according to the banks records. My daughter took me to the bank a few days later to close the accounts because i wanted to put my money closer to home. I don't want to drive all the way to *** to do my banking. I was given the balance in the account of $253.91 and was told we couldn't close the account until the dispute was resolved. The claim number I was given is ***. I was sent a letter stating that it was resolved and they would send me a check for $52.99 and that the account was now closed. I was to expect the check in 5-7 business days. It never came.I called the bank on Nov 22/21 and was told the check was on its way. When it never arrived, my daughter, ***, called on 12/16 at 2pm, and talked to ***, and she transferred her to ***. She spoke with him and let him know that I was very upset about the way i was being treated after having been such a long time customer with them. *** assured her that he would look into it and that they would cancel the lost check and reissue another one, again to be received within 5-7 business days, and to let him know when we get it or if we don't get it. So yet again i waited. I called *** on 12/27, explained that I had not received the check and he said he would look into it and call me back. When he called back, he stated that they accidentally had sent the check to our previous *** address, where we had not lived for two years, and that they would cancel that check and send another to the correct address. No check,sent to *** addr again, still no check. More to the story. Still no check. Money was taken out a second time!

Santander Bank in *** passed my 91 year old father a $100 counterfeit bill, as part of a withdrawal he made from his personal checking account in the amount of #2,400.00. My father gave me the $$$ (still in the Santander envelope) a few days later, when I saw him, and I immediately deposited it into my personal checking account, in person, at my *** in ***. The *** teller flagged one of the $100 bills as a counterfeit, after running it thru one of their machines that identifies counterfeit bills. *** sent the $100 to the Secret Service, and in the meantime, I am out $100. I immediately reported the issue to Santander Corporate Office, who had me call the branch where the withdrawal was made, so that they can launch their own investigation. After 3 weeks and multiple calls to the branch, I received a letter from Santander today saying that they will NOT refund my father the $100 because their tellers are instructed to identify counterfeit bills. ARE YOU KIDDING ME?!?!?! *** has an actual MACHINE that identifies counterfeit currency, and I am supposed to rely on a Santander bank teller simply looking at the bill and determining that it's real? I am a CPA and well-versed in internal controls, and it is clear that Santander Bank lacks what is necessary to identify counterfeit $$$. It is important to note that this particular Santander branch is located in an area that is predominantly senior citizens in retirement communities, so it wouldn't surprise me if there have been other "victims" of receiving counterfeit $$$ from this branch who are too old to know what to do and how to escalate the issue. SHAMEFUL that a bank, of all places, would pass along a counterfeit bill to a customer! Whether the teller failed to identify the counterfeit bill when it was received by another customer or whether the teller purposely put a counterfeit bill in my father's withdrawal, the point is that Santander Bank can not be trusted and made zero effort to rectify the situation.

I have been a customer of *** from 3/25. I had 50-70% of my salary credited to this bank account. On 11/14/2022, a scammer cloned my phone number and got hold of my phone virtually, even though I had my mobile phone with me. Then the scammer reset my Santander bank's online banking user id and account password as *** sends OTP to mobile phone. The scammer added a bank account named "***" in the fund transfer section of the internet banking and also transferred $720.00 from my Santander bank checking account to the account of ***. I honestly haven't done this transaction nor am I aware of how the scammer got hold of my mobile number. I filed a police complaint here in Oviedo on 11/15/2022, and the case is currently being investigated. On the same day, I filed a disputed charge complaint with the fraud complaints department of Santander bank for the $720.00 transaction. However, within just 2 days, i.e., on 11/17/2022, I received a reply from the Santander bank that my claim has been denied because of inconsistencies, that is, I am unable to provide an explanation as to how my mobile number could have been compromised. I reached out to my phone carrier *** on 11/15/2022, and even they mentioned that there's no suspicious activity on my account and they don't have any idea as to how that could have happened.This is a very painful experience that I have had with the bank even after being a customer for 4+ years and having my direct deposit set to the checking account. In this advanced technological era, we are living in, there is a possibility of being scammed from the minutest of chance to leakage of personal information. Mobile number and email addresses are easily available on the web and "person finder" websites. I have no clue what tech the scammer is using and I am not in a position to explain this to the bank. My file cannot be denied for this reason and I seek refund+damages (agony) from the bank.

11/21/22 To whom this may concern On 09/13, I deposited a check in my bank account at *** in the amount of $ *** I received the check as a payment from my customer who sent me this while having plenty of available funds in his account.Two days later, I received a message from *** that the check I had deposited in my account was being returned to me, because they didnt receive the funds.After informing my client of what had happened, he showed me on his computer that his bank Santander Bank had transferred the money to my bank.However, my bank did not want to transfer the money to my account, claiming that they never received the money from Santander bank.Right after that happened, I reached out to the ComplaintsBoard.com & a few days later I received a phone call from *** with instructions to deposit the same check again, a 2nd time.I then saw that the check bounced again, even after *** was aware of the issue.Subsequently I reached out again to *** & they claimed that the funds never reached them in the first place. I then reached out to my customer, who confirmed for a 2nd time that the funds DID indeed leave his account.In particular, Santander Bank has no proof that they transferred the money to *** and only billed my client for the amount of the check.Now I, as the little guy feel abused & stuck in between these 2 feuding banks, not knowing where to turn to.It is shameful that the banks didn't rectify this issue the first time around.Therefore, I would like to ask you again for your professional help, and to get involved so that I can get the money, which is rightfully mine, in order to be able to support my family with dignity, including my daughter who has special needs.Thanks in advance for all your efforts.Yours,*** P: *** E: *** ACCOUNT: # *** ROUTING: # *** Santander Bank ACCOUNT: # 0*** ROUTING: # ***1 CHECK: #

We are filing this complaint against Santander *** represented by *** and *** LLC Global Solutions represented by *** and ***We were contacted by *** on or about December 6th, 2022, that we have stocks from our Time Share Pueblo Bonito. He offered to sell the stocks for us. His fees were $3036.92 which he said was a percentage of the total sale of the stocks. He told us that *** was *** overseer that will make sure the rules were followed and handle the payment of our funds. *** contacted us with instructions on where to wire the said amount of $3036.92. Both *** and *** reassured us repeatedly that there were no other fees. After the $3036.92 cleared and was received by the Bank in ***, we got a call from *** that we need to pay an additional $5600 repatriation fee or the funds will not be released. They sent us a Guarantor letter to that effect. Again, we were assured that the funds will be released as soon as we pay the $5600.00 and that there were no additional fees. The money was wired as instructed by ***. Once again after the $5600.00 cleared, ***, ***, and *** all called us several times asking us to wire an additional $3500. We were told that if we do not send the $3500, the *** was going to *** us to appear in court in ***. They were going to seize all our money. We told them we do not have any more money to wire. We offered to forfeit the money from the stock sales if they return the $8636.92 that we have wired. They are insisting that we must come up with the additional $3500 or lose all our money and also appear in court in ***. The only way they will consider returning our money according to ***, is for us to declare bankruptcy. We are asking that they honor their last written guarantor letter and return our $8636.92. Thanks

Like many people, my family and I have struggled for the last few months with the after math of the coronavirus recession. I am a single parent to 3 kids, 2 with special needs, and the only other adult in my home (my middle son) who had a job, lost it in March due to the recession and only last week began to receive UI benefits. So since the second half of March, we've only had my income to live on. There have admittedly been many occasions when my checking account has been overdrawn during this time. However, I have heard that many other banks and financial institutions have been willing to waive fees due to overdrafts, because of the extraordinary circumstances. Santander, however, has done very little to help, despite my call to customer service on May 12, followed by my call to my local branch manager on May 13, asking for some consideration, Since March, I have been charged $3,605 in overdraft fees. The best that either of them could do for me was to forgive a total of 14 of them ($490). In fact, what prompted me to call on that particular date was that my paycheck was due to be direct deposited on the 15th of May, and my account was overdrawn by more than the total amount of my paycheck- in other words, as soon as my paycheck was deposited, the bank would take all of it for NSF. That happened, anyway, even after the forgiveness, and still the account was overdrawn by $75. I have now stopped direct deposit, because I can't afford to have my entire paycheck taken away in fees. The local branch manager who I contacted on May 13, has told me since then that he cannot waive any more fees on his authority level, and that "senior management" is considering what to do. Several more weeks have passed, and I have lost all of that money, which was more than my "stimulus payment" plus my paycheck combined. I understand that banks are for-profit entities and that service fees are a part of that package. But given the circumstances, this is nothing short of predatory banking. I am asking that you intervene and question the bank about their predatory practices, at the very least. I'm losing hope of ever seeing my money again.

Inappropriate charge of $8,024.26 to my escrow account for the purchase of homeowners insurance coverage. In Sept. 2020 Santander requested proof of my in force homeowners coverage; same was sent to their recommended website (***) on 9/23; I have the e-mail confirmation. 10/15 (date on letter) I received a threatening letter from Santander that they were going to buy a homeowners policy for the previously noted amount. I called them on 10/26 [***] and spoke with *** and he advised to now send information to a different e-mail [***] . I completed this process with *** on the phone and he verbally confirmed receipt and that i should get a call within 24-48 hours confirming receipt. I did not get a call and called Santander again on 10/30; spoke with *** advises to send information to another e-mail - ***; i have confirming e-mail that Santander received the information. 11/20 while reviewing my bank accounts with Santander I find the noted $8,024.26 charged to my escrow account on 11/18 now putting my escrow account into a negative balance. 11/20 I spent from 11:15am trying to get to some person in management to get this fixed until I personally drove to the ***. Office to provide originals of my policy to ***/Universal Banker at the *** Branch (2:30est) . I watched *** make copies of the paperwork and spoke with both *** and ***'s Manager - ***. I was given a commitment that this would be addressed asap and that I would at least get a call by EOB on 11/24 with a status. A very nice conversation with these ladies and they were very professional. I have received neither a call nor an e-mail and today i called the *** branch and there is no answer and the website advises 'temporarily closed'. That concerns me, especially in light of our current challenges with COVID-19, as you can appreciate. I hope the ladies and the folks at the *** office are ok but I really need some help getting this matter resolved. This money must be reversed from my account. Thank you in advance for anything you can do to assist me.

On 01/06 I called ***, a number I found on the Santander website and spoke with a Customer Service Supervisor named, ***, reference number *** and *** from the Fraud Department. A couple of months ago I was a victim of identity theft. Instead of closing my Santander bank account in person, due to the COVID pandemic, I called Customer Service to close my bank account over the phone. I placed a Freeze on all 3 credit reporting companies as well as canceld my credit cards. The Santander representative verified me with no problem and told me the account was closed. While tracking my 2nd stimulus deposit today, I learned that the funds had been deposited into the Santander account, which was supposed to be closed. I called and was informed that a block had been placed on the account, opposed to it being closed. I was shocked to hear this and requested the block be lifted and the account properly closed. I was transfered to the Fraud department, where *** requested that I lift the Freeze from one of the credit reporting companies so that she could verify my identity before helping me. I declined because there was no way I would take that risk. She rudely advised that I walk into my local Santander branch-during a pandemic. She refused to listen to me and repeated what she was saying over and over as if she thought I wasn't listening; very argumentative attitude. I hung up on her and called back. This time I requested to speak directly to a Manager or Supervisor. ***'s response was, I'd have to be transfered to the Fraud Department for help...He said he couldn't talk to me about the status of the account because there was no way for him to know I was really who I said I was. If he couldn't talk to me, I asked him to note the account with every detail of our call, my warnings and worries. I begged him to please ensure me that my money was safe, I asked him to confirm that the block would protect my money until I had time to make it into a local branch in order to identify myself in person, per his request. He said he was unable to assist me with that question because Santander takes fraud very seriously-there are many differen't types of blocks and he couldn't tell me which one was on my account for security reasons. If he couldn't tell me exactly how safe my money was, I asked him then to please add aditional blocks to my account at least to ensure the most protection...he refused. If he cared so much about his customers, then why not simply take the additional steps to protect the money? Santander messed up here, big time. My money is sitting in an account that's supposed to be closed. They had the nerve to also charge me a fee for not using the account! Of course I didn't use the account, it's supposed to be closed! Here I am warning them, begging them to keep my money safe, and no one will listen. Now I'm expected to walk into a local branch during a pandemic to identify myself and close my bank account. They don't know the details of my life, my schedule, my health conditions-this entire situation is very disgusting.

I am trying to get a bank loan and have been pre-approved for a 600k loan, my mortgage broker ran my credit on Tuesday 2.23 (2 days ago) and it dropped 100 points, the reason given was "paid late" from Santander for small amount. this of course effects my loan and as of now I will lose it all for this error from Santander. I had a line of credit with Santander that I closed after i paid down in full at the beginning of January, I have a letter form them saying that. there was also a overdraft account which is meant to cover if my account goes under. my checking account dropped once in September and was paid back in full. I always pay in full each month for any balances I have. after I closed my line of credit I got a statement saying I owed $2.11 which sounded crazy, I called Santander (I believe it was twice maybe even Three times) to inquire at the time, they told me it's an error and to just chuck the statement in the garbage. As soon as I my mortgage broker said this to me I called Santander, they bounced me around 3-4 times each time they couldn't figure out what the issues was. finally they got me to manager who kept me on the phone for2 hours and fifteen minutes (at that point I had my mortgage broker on the phone as well), they tried to explain that I owed 2 dollars of which I automatically paid 1 dollar of. he could not explain how it all happened, when we asked to get it removed we were put on hold again and again only to be told that he will apply for to to be forgiven, of course I don't need it to be forgiving for 2 dollars, I all i wanted was for the "late" to be removed so my credit score doesn't get shot and in short term lose out on a huge loan I need for purchase of a property. I explained again and again that I had already called the bank and asked about anything outstanding I was told repeatedly that I owed nothin on the account, I told the manager that is not right for me to get punished for nothing I did wrong. At that point the manager hung up on us, I figure I would least call back to try to pay down these 2 dollars or so they claimed I owed so the "late" on the report doesn't get worse. this time I remembered to ask for a name, the rep's name was *** and he told me that I owed nothing, there was no open balance, when I questions him about the the negative comment on my credit report he told me it was a mistake on Santander's part and he would apply to get the info removed. I couldn't believe what I was hearing after 2 hour on the phone with a manager, I conference my mortgage broker in again just for mr. to repeat what he said and he again confirmed it. Mr. gave me a refence number *** and told me to call back in 2 days (which is today ) and I would be able to see if it was taken care of, I called today and was told it's pending and under research and can take up to 30 days. I begged for some type of written confirmation that it's at least being worked on so I don't lose out on my loan in the meantime. I was denied any such help only that it can take 30 days and have a nice day. I since looked it up on line and I see many such complaints against Sanatder for peoples credit scores being destroyed in error from Santander, in my case this potentially can cots me tens of thousands of dollars to extend my lock and in rates I will get. all for an error the bank made, to no fault of my own. Please I beg you to help me get this resolved as soon as possible. With tremendous gratitude for what you to for consumer like myself. thanks you.

We have written all our complaints about *** in this email. We hope you can share with upper management so they can have a talk with him. He has no right to treat customers the way he behaved with us. Our mortgage broker was ***. - He was rude on multiple occasions. - He outright lied to us numerous times and made promises and assurances which he did not keep. - He had a heated argument with our realtor and even cursed her. Very unprofessional. - His communication was inconsistent - he would reply to emails with answer to some questions while completely ignoring other questions and concerns. - In his communication with our seller's agent, he placed blame for delays squarely on them and aggravated them. They almost walked with our deposit due to his rude behavior and as a direct response the seller even threatened to charge us additional per diem charges. - We were getting much better rates at other banks and wanted to switch early on. He promised us to match the rates and asked us not to switch lenders. Listening to this we decided to stay but after a few weeks of constantly ignoring our question to confirm he says that was not possible and threatened us that our depositi would be at risk if we switched at this point. We would never recommend anyone to work with him or Santander with the terrible experience we had. - He made our first time home buying experience a nightmare and we were constantly stressed out because of him. - He also had very bad communication skills where it was so difficult to get in touch with him. - He never responded to our emails in a timely fashion. When he did he would pick and choose what he wanted to respond to. - He also promised to cover our refinancing costs the day after closing with a lower rate. That was also a lie. - He sent us our closing disclosure hours before closing and we never had the opportunity to opt out of escrow. - Our rate was expiring and due to the market conditions the rates were significantly lower. However when I asked if we could lock in the lower rate he sent a rude response saying "we need to stop bringing up the rate." - When we were quoted a lower rate at another bank he called up that mortgage broker since he knew him and said "stop stealing my clients." - He made us open a Santander Select account to get us a better rate. But only after I created the account did he disclose to us that we need to close the account after closing else we continue maintaining an account balance of $150K. After we made a select account and put in a $150,000 down payment which was over the 20% of our loan we also didn't get any better rate with the select account. Our rate was 3.375% other banks are offering 3.0-3.125% without even having a special account with them (we had forwarded all these loan estimates to ***). - Our family members closed with *** and the customer service they received was far superior service. Even after closing their mortgage brokers mailed a large congratulations basket to their new homes with flowers. While with us *** continued his rude responses saying we can no longer opt out of escrow but none of this was explained to us before hand and with sending us documents hours before closing did not even give us time. We could not delay the closing as the sellers were about to walk with our deposit (due to *** being rude to them and delaying) we had no options. Overall we had a terrible first time home buying experience thanks to ***. We would never recommend him to anyone due to his rude behavior.

On June 19th I received a postcard in the mail stating two returned checks were issued against my account causing a negative $22,579.67 balance and $70 in returned items fees were charged. I attempted to log onto my online account to check the balance and was given the message that my account access had been blocked. I called customer service to inquire about the block and the postcard I received in the mail. They were unable to help and transferred me to the fraud department. The person I talked to looked into my account and was unable to resolve it. I was told it would need to be looked at by the fraud department supervisors and I would get a phone call or letter in the mail with more information. At this point I was also informed of two additional returned checks that were issued against my account that I was unaware of. This resulted in an additional $70 in returned item fees. During this time I did not have any access to any of my funds in my both my checking or savings accounts. I waited 10 days and did not receive any communication from Santander regarding my accounts. I called the fraud department again on June 29th. The person I spoke with told me there was nothing I could do but continue to wait and I would not be allowed access to my account or funds until someone contacted me. On July 3rd at 10:24 AM I received a phone call from *** while I was at work. I immediately checked the voice mail and she left a message saying she needed to speak to me about my checking account and to call her back. At 10:29 AM, 5 minutes after her original call, I called her back at the number she provided ***. She did not answer and I left a voicemail to have her call me back. I never received a phone call back. I called again on July 8th with no answer, and again on July 10th with no answer. Both times leaving a voice mail requesting her to call me back. July 13th I still did not receive a call back. Instead on this day I received three letters in the mail from Santander. Two of the letters with information stating that "per my request" each of my accounts had been closed. The third letter was a statement from my savings account showing my total balance was withdrawn and year to date I was charged $140 in returned item fees. I once again attempted to call *** and once again she did not answer. Her voicemail was however updated to state she would be out of the office from July 10th through July 20th, indicating she did check her voicemail and ignored my previous voice messages. I then called the fraud line directly to find out where my money has gone and why my accounts were closed when I never requested them to be. The person I spoke with said there was an investigation on my account and it concluded that I was at fault for the fraudulent charges. I was never explained how or why this was determined or why I was never able to speak with anyone about it during the investigation. I asked where the funds went that were in the account that was closed without my permission and was told a check was issued and mailed on July 3rd. Today is July 15th and I am still without the money that were in the accounts. I also inquired about the $140 in returned item fees that I was charged and how to get those refunded. She said I would have to file a claim with a separate department to get those reversed. I specifically asked if there would be an issue getting that refunded if my accounts were closed. She said no, they would send me a check in the mail. I agreed to file a claim and she transferred me. Once transferred I was told by the representative that there was nothing they could do about the returned item fees since the accounts were closed. They would have to refund the amount back to the account they were charged and since there was no longer an account it could not be refunded. I told her what the fraud department told me in that they should be able to mail me a check with the amount. She checked with her supervisor and he told her that there was nothing that could be done. I opened these accounts on March 17th. During this time I had no issues until now. I am very disappointed in ***'s lack of professionalism by not returning my calls and ruling me at fault when I was never able to speak with her. I set the accounts up to have as a separate savings account that I could put a little each paycheck into and not touch except for emergencies. Someone else fraudulently used it. Now I am being told I am at fault and have to pay the fees which is unacceptable.