Santander Consumer USA review: misleading information, harassment. ( 1 comment)

Santander consumer usa is a misleading and fraudlent company and harasses me daily with phone calls.
In feb. 2011, santander represntative called me reagrding my late jan.2011 payment. I told her I had just mailed the payment on feb 7th, same day. I explained that I was currently unempoyed and lving on a fixed income from my pension. I also told her I had asked for a deferment in december and was told that santander consumer usa does not do that. She than informed me that was untrue and that I could defer my jan.2011 payment and therefore the payment I just sent in would count towards feb.2011 and my account would be caught up and my next car not would not be due until the regular march 15th payment. I received a call in late feb. Regarding my late payment for feb. I informed the represnentative of my previous converstaion about a deferment and that I was told I was caught up. I insisted he check the notes on the account, he told me he see's that the deferment request was submitted but had been denied. I was shocked, I askd him why I was denied and that the last representative gave me the impression that it was assured. He told me that I had been denied because I was not eligible and the last representative does not have the authority to approve deferments. I asked him, what kind of notification I should have received telling me that it was denied and he said "none". Therefore I would not received any notice that my account was considered to be still be past due or that I did not meet the deferement criteria because I was not 60-90 days past due. Santander consumer usa never responded to my written letter of concern about this matter which was sent via of cdertified mail and signed for by a gini moore. I get harassing calls 3-4 daily from santander consumer usa, yet no response to my written compliant/ question of their practice