Santander Consumer USA review: get real 93

i had rather be bad at spelling than crying on this page how its santanders fault that i cant pay my bills on time... wow you all you can comment on is my spelling... classic, you must be one of the loosers that cant pay their bills

Boo hoo! Looks like more of you losers are still crying! Look I highly encourage anyone to contact a lawyer, go ahead and waist your time. SANTANDER has never broken ANY LAW, every single call is recorded and reviewed. I guess I have to repete myself, pay your bills on time like responsible adults and you WILL NOT be in collections... DUHHH Also Santander is CLOSED on Sunday's, and please SHUT UP about the CITI buy out, they couldn't get you losers to pay so of course they went out of business ( CITI AUTO DIVISION). Also I do have a real job, unlike most of santanders customers, to be completly honest I make more than 95% of santanders customers so please stop embarrassing yourself. Oh and look at any other sub prim lender and they will have just as many " complaints" as Santander.

Oh and before I forget... Your right there has NEVER been a time in history where thousands of people were wrong.

Ok, what makes all of you losers mad is that I'm telling the truth and you don't like what I'm saying. Also, please send this to as many people you want at Santander, but you might be wasting your time because Santander monitors this forum closely. What I don't understand is, why not refinance with another company if you hate Santander so bad? Now some of you deadbeat losers might not be able to refinance, which is understandable because YOUR CREDIT SUCKS. Now if this is the case, guess what, YOU DON'T DESERVE A VEHICLE AND YOUR STUCK WITH Santander so suck it up and pay your bills on time! Also every conversation that a collections agent has with any customer is well documented, and 3000 employees can see any "notes" that anyone writes on an account. If an agent acts like they don't know what your talking than that's called strategy, so they can catch you lying idiots in your constant lies. Oh and before I forget, Santander attempted to notify every single citi customer, if you idiotic losers would read your contract at the dealership instead of seeing something shiny that you obviously can't afford than you would know that a lender can sell your contract to ANYONE they choose as long as they abide by the terms of the original contract. Santander have NEVER violated any contract or broken any laws especially when it comes to the FDCPA. So please, call me any name you want because I don't care in fact I'm smiling and laughing right now because I pay my bills on time and I have NOTHING to complain about. By the way the economy has been "bad" for a very long time so stop using it as an excuse as why you can't make your payment on time.

Oops I forgot to be sarcastic... Yes my real name is John Santander and of course I work for Santander I mean how else could I possibly know about consumer lending or collections practices. We all know there is nothing on the Internet or the library about it. Please...

Yea, you have a degree... You must be an expert! Ha, by the way a degree from the university of phoenix is like being the first place finisher at the special olympics!

Good job on copy and paste hero... Did you learn that in paralegal school mr smart guy... Don't you have like 128 comments on boards like these yet no complaint of your own... Hmmmm maybe you are a Santander customer... Let this get out, I mean unless something changed in the last 5 min we live in America and I am free citizen with my own opinion and I can express my opinion about you losers any way I want. Oh and currently any collection that calls a delinquent customer is located in AMERICA and yes in the south " y'all " is a word and it's used often. If you don't like it than please shut your Yankee but up!

Ok, look if you make a decent salary than that usually means your intelligent enough to know what a savings account... No excuse.. if you make more than 50k a year and still live pay check to pay check than u don't deserve that job! Hey guys seriously I never said I worked at Santander, which I don't, so stop trying to blame an entire companys actions on me. Now listen, I know how Santander operates because I'm smart enough to ask questions I don't just assume, or just jump to conclusions because I'm emotional. Also if I'm going through a rough time I don't look for anyone or anything to blame, I self reflect to see how my actions caused my particular situation. Santander is a company who's goal is to make money, not pander to a bunch of low lifes who can't take responsibility for their own actions.

Ok I will tell everyone here my real name my real phone number if they can please tell me one car dealership owned by SANTANDER... news flash Santander is a finance company, they don't care one bit about the vehicle, all they care about is the loan. DUH!

You are right, this is a complaints board, so why don't you people actualy complain about something instead of whining like 5 year old children. Wake up! Santander would of been shut down years ago if ANYTHING any of Y'ALL (yes I did say y'all and I said it on purpose) said were true. There are more lies on this board than a first date. Before I forget, if you are financing a vehicle than guess what? THAT VEHICLE IS NOT YOURS, untill you pay it off and get the title. @enoughsenough I really don't care about resume, tell + jdh + since apparenty he wants to get in your pants. I am on this board to bring you losers back down to reality. I have nothing but respect for Santander especially if they have to put with you ###s!
:-)

Really... Last year... Hahaha... If you only knew what you were talking about. I wish I did work for Santander but sad to say I don't. If there are so many "cases" aginst Santander than why isn't it in the news and why do they continue to grow faster as a finance company than any other finance company in the history of this country. Look if everyone has such an issue with this company than just refinance with another company or pay off your loans... It's way to simple, but noooo you idiots had rather whine and cry in the Internet than do anything productive to solve your problems.

wow +jdh+ I think you might want to invest in some anger management classes, calm down high speed it's just the Internet and just a complaints board. Getting this defensive over a company doesnt make your argument very strong. Now, looks like I have to say this again, I DO NOT WORK FOR SANTANDER, but it doesn't really matter because even if I did I'm sure I would still defend them. Now it's extreamly hard for me to believe that all of a sudden everyone thinks that the citi accounts are being handeled any different than they were at citi. I say this because all the citi employes came to Santander with the buy out. In fact most of the citi employees only work citi accounts, sane thing goes for HSBC, DRIVE, ROAD LOANS, SOVEREIGN, TRIAD and UNITED AUTO CREDIT. The employes for those companies mainly only their original accounts. Now listen the fact you had to pay more at ur maturity date is because you were late on ur payment during the course of your loan ( daily simple interest). Why the heck didn't you just send what money you had, regardless of the balance or the pay off. You have the ability to forecast wether or not your going to have a balloon payment at maturity atleast a year out (by calling in or online) why didn't you plan accordingly? Also you can request a maturity remodfication 2-3 months before the maturity so u don't have to come up with such a large balance at the end of your loan and save the credit hit. This is extremely easy to do, and there is no one to blame but yourself if this does happen to you. Oh by the way, why on earth would I waste my time to tell all of this to your face, I mean come on I'm sure your spouse knows your a looser by now so I wouldn't be telling your spouse anything new. Since you got so defensive I'm sure you marriage is going very well so please seek couples therapy and don't take ur failed marriage out on this board because no Santander customer has any advanced degree in anything useful otherwise they wouldn't be Santander customers. DUH...
:-)

Thank you for proving my point, they have been around for more than year... Oh and just because u have a certification in phlebotomy doesn't mean your a doctor. Community college all stars always think they have something to prove to the rest of us who have a real 4 year degree. Do me a favor un mount that high horse your on, remove the broom handle from your butt ( your in the health care field you know that's not healthy) and come back to reality.

Lifelnr... Do you honestly care where I went to school... I seriously doubt it. Besides it's way to easy to critise my writing ability if you can't come up with a good rebutle to my solution/argument. You criticizing my ability to communicate is a mute point when were talking about these dead beats ability to pay their loans. Hey! I want my thank you! I deserve it! I have given everybody a good viable solution to each complaint on this board, now if you all can look past the fact I called you all losers and deadbeats ( which you all are) and take my advise than you wouldn't have any issues with SANTANDER. @ergh, who are you trying to impress, I mean I honestly could care less where u work or what ur degree is. I mean are you trying to justify your career choice to yourself... People who do that are usually not very happy with their life choices. I'm guessing your credit sucks hence your involvement with SANTANDER it's ok you still have time to fix it but please don't take it out on everybody else.

Lies lies lies... And some silly, albeit clever song by our old friend +jdh+ look losers, Santander has collection agents they ARE NOT customer service! If you can't pay the full amount that is due on an account when they call and ask for it than guess what YOU ARE REFUSING TO PAY! It's very simple. As far as passwords for your online account, if you call and ask for Santander to e-mail you a temporary password than guess what they have to e-mail the account servicing unit in Dallas tx and they are the ones who reset passwords. Keep in mind Santander on any given day has over 400k accounts just in collections. If you don't get it e-mail fast enough than just wait and remember what ur grandmother told you, patience is a virtue. Or you can call back and ask them nicely to send it again. Oh and I didn't realize it's standers fault ur husband is spineless I guess you should write and explain that to them so they can hold your hand and say sorry. Deferments, your account has to be over 30 days past due and you can't of had one in the last 6 months to qualify for a deferment, it's not that they refuse to give you, Santander must decide if it is in the companies best interest to grant a deferment. Especially if Santander just gave you one and it still didn't catch the account up. Santander is a company, who goal is to make money just like every other red blooded American on this board. I was never a Marine nor do I work for SANTANDER... I wish I did just so some of you would shut up about it.

Refinance! Duh!

Refinance with another company

Ok apparently you can't read, that is santanders policy. Most finance companies have policy's that regard deferments. Oh and almost everything you just wrote is a complete LIE, do you really expect me to believe and of that crap. Look, SANTANDER uses Western Union to schedule and take payments, and they charge Santander to use their services so they in turn charge the customer. If you don't like to pay to make ur payments than first bring ur account current then set ur account on auto draft and they won't charge you a dime. If you don't like late fees than don't pay late, DUH! ###!

You don't have to work for a company or have someone related to you to know how a company works. It's called asking questions and using ur brain. Everything I know about this company came from me calling [protected] and asking the nice person a question and every time I call they are more than happy to help me and answer all my questions.

Yes your right, everyone is against you and the world is sooo in fair oh my goodness what are we to do. Poor you! Oh what a horrible life you must have, maybe you should move home to your moms house so she can protect you from this horrible unfair world. Look I pay for all my vehicles in cash, I never finance anything. Look if your just going to lie on this board than please put your creativeness to a better use like a rousing game of D AND D. Trust me, I have read all of the lies oops I mean complaints on this site and nothing strikes me as valid so please stop whining and grow up and be responsible

You don't want the truth because you don't want things to change, y'all had much rather complain about stuff that is sooo easy to fix. Oh and I bet u 20 dollars you can call up there and ask them anything you want and they will answer you.

@ enoughsenough ok since you didn't call me a name or act childish like most losers on this post I will be honest with you. I said earlier that Santander uses a third party to process payments (western union speed pay) well they can't post date any payments past 10 from the day you call in or past the end of the month if your more than 30 days past due. There are a few exceptions but none that apply here. Also if you post date a check of any kind than it will take 2-3 business days to hit your account also they won't send it electronically to your bank until 1121 that night of the date the check is suppose to come out. If you want an automatic payment than use ur bank or call back on the day you want to pay and use ur debit card (yes they can waive payment fees they just don't like doing it) as far as documents go... No collection agent has the ability to mail anything they can see your documents (dependent on which finance company you originally had before the buy out eg citi, Hsbc, triad... Through a system called optica) but even a manager can't mail anything out. You need to ask them to e-mail the ASU department ( account servicing unit) in order to have anything mailed. And no you can't call them because they don't accept calls from customers but you need to follow up daily otherwise it could take a long time for them to get to you in their que. Also every time you call, it's recorded and documented... Their system is so that they can't continue working unless they document the call. They are trained to have the purpose of the call and the reason for delinquency recorded every time you call in, also they will act like they don't know what you are talking in order to catch a customer in a lie or see any inconsistency from the previous conversation, just ask them to check their ACTIVITY NOTES. Please dispute any credit report issues with transition or equifax or which ever u want.

Santander hires very few CSR'S, the majority of their employees are collections agents, wether it be front end 1-40 days past due, mid range 40-60 days past due or backend 60-120 days past due. They do go through a formal week long training period and yes they are trained as I described earlier. Keep in mind now a large majority of their current staff came from the other companies that they acquired and Santander did not retrain them in collection practices. The most aggressive collectors came from HSBC, united auto credit and CITI. Santander is a servicer of the loans and they employ in house collections and alot of people disagree on how they do business but the truth of the fact is that it works and they turn a huge profit. If the people you talk to their seem irrate than keep in mind they get cussed out and screamed at on a hourly basis. I guess you have to put yourself in their shoes to understand. If you have issue with the agent just ask to speak to their manager.

Lol! I DO NOT WORK FOR SANTANDER, my affiliation with that company is exactly as I described in previous posts. You don't have to believe me, it doesn't really bother me that you think I'm lying but I am being honest with thier policies and procedures. I haven't called anyone specific by name when I say losers or deadbeats and I have yet to use any profanities. But my overall point is proven over and over again by you comments and remarks so please keep it going because we know how blaming others solves all problems.

What did u ask them that they didn't answer?

You have absolutely no idea what your talking about... Funny though!

@ duh sparky, you might want to delete your last post, you just made yourself look very dumb.

That info is neither informative or useful... But good job on using copy and paste!

Hi! It's been awhile, have you missed me!