Drive Financial reviews and complaints

My son has a car financed threw drive financial, he is in the military, went over sea's to iraq for 1 1/2 years. Drive financial is trying to repo his car, he has called them to catch up on the payment's, but they refuse to take his money. say they can't, that they have charged the account off. I am his mother whom name is also on the contract, they are very rude will not let you speak keep cutting you off, then proceed to push a phone key while you are trying to speak, all you here is the beep of the phone. We never recieved any notice of reposesion, any notification of any sorts. This is a very rude company. I would think If someone is willing to pay and get caught up, you would work with them, but instead this company would try to ruin someone then help them, this is not the american way, times are tough for all. They want to go threw all the legal's and try to get more, but won't settle for getting the vehicle caught up and finish paying for it. I WOULD NOT RECOMEND THIS COMPANY TO ANYONE, I AM GOING TO THE BETTER BUSINESS BUREUR ON DRIVE FINANCIAL.

I called on 12/03/09 and spoke with a representative and his attitude was terrible, he couldn’t answer my question when asked to speak to his manager he got worst and ask me why. Then she came on the phone I told her how he was acting, she got quite then said ok, what you need so I understand why he act the way he did management aren’t no better.

Will tell everyone I know not to do business with this company and I am went today to get my car refinance at my credit union, never again.

I read these complaints last evening after learning the dealership I went to was trying to work a deal with Drive Financial, now Santendar for my auto loan.

I went into the dealership on Monday and offered 2500.00 down on a car that cost 16K. They wrote me up an offer/terms and estimated payment range and told me that would have an answer for me on Tuesday.

Yesterday I got a call from finance manager that they were still working with a credit person at Drive Financial and hoped to have an answer today as to the terms of the loan so I can drive the car home.

Got a call today (Wednesday) from finance manager, asking me to come to dealership today and I should be good to go. "Should" was the key word.

I went to dealership, had to meet with the owner, of whom told me that 1. I got approved through Drive Financial and 2. the approval is with an extra 3800.00 acquisition fee. That means that I needed...guess what... a bigger down payment, close to four grand total. My payment was also 175.00 HIGHER than what finance manager quoted me. I told the owner that I was absolutely not putting another penny down.

Then, I left~! With no intention to purchase regardless of what the owner tried to sweet talk me into (i.e. I'll call you tomorrow after I try to work on Drive Financial and their rate).

I also think the Car Dealership is sketchy!

Does this 3800 actually go to Drive Financial OR the dealer directly? I wonder, really.

I recently set up an auto pay option with Drive Financial.

I noticed that the money was not coming out of my bank account, I called for three days after, to question the reason why no money was taken out of my account, I was told by three different reps that the loan was paid for the month, even the auto line reflected a payment received.

In the meantime other bills were deducted from my account, I called Drive Financial on the 20th (my payment was due on the 17th) and advised that I was paying with a visa card, and explained the situation. Now this month again it is two days later i call, and explain what happened last month, first the rep reads off three different payments that were made for last month? Puts me on hold, then explains that they went into my account last month and the account could not be found. And that they took me off auto pay! However they had always accepted my payments from the same bank account months before via check?!?! I was told that i was taken off the auto pay for "awhile:, the rep advised that i may make a payment with my debit card with a $12.95 fee (oh wait isn't that the same card linked to my account?!) or send in a check. Well I am sending in a check for my payment to avoid the payment fee. Really a fee for paying my bill? I advised the rep that i would not want to be hearing from a collector as all this is on record and I will be making my payment...the kicker...she said the calls will not stop until they get my payment. My payment was due on the 17th and today is the 19th...really? I can not wait until my credit is in better standing and i can go with a reputable lender!

Drive Financial repoed my car even though I was sending a payment in every month, being laid off and struggling to pay living expenses as well. I was constantly harassed by phone calls.Drive Financial has a truly bad reputation according to the tow truck driver that picked up my car. I will never have any business with Drive Financial in the future by my choice not their choice. I will tell everyone I know never to finance with Drive Financial. They have a terrible customer service policy and claim to not have a hardsip department. Poor Drive Financial Ha!

I purchased a car in 2005 through Drive. It was wrecked and totalled in 2007. I only had about 13 payments left. Drive was paid in full for this car from my insurance company. I got a call a few days ago saying that I still owed on this car and that Drive had sold my account to this company for collection. I have the papers to prove the car was paid in full. So how can Drive get away with this? Any suggestions? I am open to them... I have sent sopies of my pay off to the collection sompany but they say they only go by what Drive has sent them. I will be contacting Drive as well, believe me!

I am a business owner with a nationally known insurance company. My office has been receiving harassing phone calls from Drive Financial, we have explained to the collector that the person they are looking for does/has not ever worked in my office. We continue to receive harrassing phone calls weekly. We answer the phone and get hung up on, they call repeatedly within a few minutes. We have gotten to the point when their name comes up on our caller ID we do not even answer the phone. What part of we do not want you calling our office any more is Drive Financial not getting.

I HVE REPORTED THIS COMPANY BEFORE FOR POOR BUSINESS PRACTICES AND OVERCHARGING ME WITH LATE FEES THAT WERE NOT ACCURATE. THEY HAVE REPEATEDLY LIED AND HARRASSED MY FAMILY MEMBERS REGARDING PAYMENTS AND TRYING TO FIND OUT PERSONAL INFORMATION. THE COMPANY NAME HAS CHANGED. I HAVEN'T RECIEVED A MONTHLY STATEMENT FOR MY CAR IN TWO MONTHS. THEY PRETEND NOTTO KNOW MY WHEREABOUTS WHEN THEY HAVE BEEN INFORMED ON VARIOUS OCCASIONS. I FILED A REPORT WITH BBB BEFORE AND DRIVE STATED THEY WOULD REVERSE THE OVERAGES AND CREDIT IT BACK TO MY ACCOUNT. THEY AGREED IN WRITING TO DO SO AND NEVER FOLLOWED THROUGH. INSTEAD GAVE ME A BUNCH OF BULL ABOUT BEING PAST DUE ON MY ACCOUNT. I HAVE PAID ON TIME AND YET THE BLANCE NEVER GOES DOWN. IT HAS REMAINED THE SAME FOR THE PAST 7 MONTHS. I HATE EVER!EVER! BECOMING INVOLVED WITH THIS AWFUL COMPANY. THERE HAS BEEN SO MANY COMPLAINTS. EVEN THE DEALERSHIP WHERE I PURCHASED MY CAR SAID HAD THEY KNOWN IT WAS FINANCED THROUGH DRIVE THEY WOULD HAVE TAKEN EVERY MEASURE POSSIBLE TO REMOVE ME FROM THIS! I WILL NEVER AS LONG AS I LIVE FINANCE ANYTHING WITH DRIVE FINANCIAL OR WHOEVER THEIR CURRENT NAME IS. I WOULD NOT RECOMMEND THEM TO FIDO TO PURCHASE A FLEA COLLAR! THE COLLAR GOING PRICE COULD BE $1.00 DOLLAR AND SURELY HE WILL END UP PAYING $100.00. FI SOMEONE OFFER A LOAN TO YOU THROUGH DRIVE TAKE HEAD AND GO TO THE WEBSITE AND READ ALL THE COMPLAINTS AND LET IT BE A WORD TO THE WISE.

drive Financial has been racking up on interest payments. I made payments for 1 & 1/2 years & I haven't even made a dent on the loan I still owe the same amout that I had a year & half ago. they have refused to refinance & i had no idea that if I'm late with a payment (which i was told that i wasn't) they are charging me $6 per day including weekends. I was told before I took out the loan that after 6mo they would lower my interest payment of 22%. I then found out they NEVER refinance. If I had of know that I would have never agreeed to this loan. They are getting 22% interest & late fees'
I also found out that this bank is not located in Texas & it is located in London England so I gues that's how they can get away with this scam. I hope someone can look into this company. They are ripping off Americans!

Drive Financial has changed its name or been purchased by Santander Consumer USA.

I bought a vehicle from a local car dealer, a very reputable one - or so I thought, and they set up my loan through Drive Financial. The purchase price of the vehicle was approx. $18, 000. I've had this loan for 4 years, and already paid nearly $28, 800, and I still have TWO YEARS left on the loan, which will leave me paying over $43, 000 for a used $18, 000 vehicle!

Part of this is the interest rate and the length of the loan, and part of it is thier fees and penalties. Frankly, I'm to blame for not being a more sophisticated and careful buyer, but no one should be able to do business in this manner.

Does anyone know who I can report this to? I tried to negotiate myself with them, to come up with a fair settlement of the loan, offering them several thousand dollars, but they wouldn't even discuss it with me. At this point, I'd like to involved a consumer protection entity to try and help me out. They've already made plenty of money off of me, and I just can't afford to keep paying for this vehicle.

I just wanted to complain about, 1 their lack of service, 2 their rudeness, and 3 since I have paid off my vehicle early I can no longer get in touch with them. When I call them now its Santaneer or something like that, they transfer me to an operator who doesn't answer the phone. I get a voicemail that says to leave a message or press "0" and they will transfer me to another operator, so I press "0" and this is what I get: "we are sorry but the number you are trying to dial does not exist or is no longer in service, please check your number and try again." click it hangs up. If there is a class action law suit or talk of one I would sure love to get in on it.

I thought, I would add to the long list of bad dealings with Drive Financial. I also fell behind in my payments due loss of work, having the company close down. I explained what happened, but was harassed non-stop with constant threats. After gaining temporary work, I paid them $500 every other week. The harassment didn't stop, even though I kept every promise I made to them. Even with this, they trying to repo the vehicle on the day before the arranged pay I was to pay. That's when I FINALLY got smart. I warned them, If you don't stop the under-handed harassment and practices, I would become their worst nightmare. Of course, they continued and in fact they got worse. So I decided to use their over-bloated egos against them. They think, the general public is un-educated to laws and they can bully us into anything they say. WRONG!
I decided to make a bad situation run in my favor, taking control. Yes, I now have a big black mark on my credit; but only for a limited time. I refuse to give them the vehicle, just because they say so. They would sell it for pennies and I would still be stuck with the balance without anything to show for it. I changed my legal and mailing address to a relative's house, explaining the problem. I now live in a different state, which is perfectly legal. I notified all my contact people, Drive Financial would be calling. Two of these contacts are police officers, who are waiting for the false claims my being involved in bank fraud or vehicle thieft. They will make great witnesses in court, for damages in claiming I commited a crime. This is STRICTLY a cival matter, NOT criminal. With the type of work I do, it is impossible for drive to collect from my income. Besides, they have to get a court order for that and I can't wait for a day in court with them. They would also be exposing themselves to the many fines from violating collection laws. I have been driving my vehicle for over a year, without making even one payment. If it's going to ruin my credit, I sure made it worth it!

In closing, heres my advice in beating Drive Financial:
Don't panic, you can have the upper hand.
Record ALL contacts with Drive Financial and tell your references to do the same, your attorney will love you.
NEVER surrender your vehicle, it would improve anything for you.
Contact all your references and tell them what is going on, then have a big laugh when Drive calls.
REMEMBER, action outside repo requires REAL court orders and NOT their FAKE ones.
Check the repo laws in your state, they are strict. In my state, they can be chased off at gun point; if they are operating outside the very strict laws.
And most important, SMILE! Drive Financial are their own worst enemy, and that can be extremely entertaining!

sent a payoff that was good for 15 days and they lost the check. When I called in to verify that the check was received, the minute the rep. heard the word "pay-off" I was hung up on. I have always Western Unioned my payments. This is the 1st time I had ever sent a check and it was lost. Then, they said they received a check for $2, 000.00 when the check was for $22, 000.00 and the 3rd time, some one finally called me, they did not have neither check in the system. I never wrote a $2, 000.00 check; I only wrote one check for my payoff of $22, 000.00 which was again they lost.
They have horrible customer service, they made false payment arrangements that was never agreed to, call 100 times or more, no exaggerations to that and then they say that we don't communicate with them. So many more complaints to state.
We all should go into a class action lawsuit against Drive Financail.

My loan was originally with another rip off company: Triad Financial. They sold it, one year before it was to be paid off, to their cohorts, Drive Financial. I have been having the payments taken directly from my checking account for the duration of the loan with no issues. About a week after making my last payment I began receiving the phone calls. I assumed they wanted information about where to send the title(?). When I tried to return the calls, I was placed on hold in complete silence, so I gave up on that. (I will not use up minutes on hold!)
Finally they called when I could speak with them. (This is after leaving recorded messages for me to call two to three times a day, 3 days a week, for two weeks. When I spoke with the first representative, she informed me that my final payment was $130.00. I didn't have my paperwork handy but informed her that was incorrect, that the loan was supposed to be paid off on the 24 April and I had not received any other bill. I was also curious as to why they company felt it necessary to call enddlessly and hound me like I was a bad credit risk. After doing some checking she said she would send the paper work to her supervisor for approval and I should be "all set."
Three days later the phone calls began again. This time I had the information. I still owed 109.00 to pay off the loan. The man on the phone however, wanted me to pay 121.00, Upon inquiry I was informed that interest had accrued and 121.00 was the pay off amount now. I related to him the quote from the last call I had received just a week before, and again questioned the amount and the harrassment. He tried to tell me I had late payments...(not true) then asked how I was going to pay the amount. I asked why it couldn't be taken from my checking account like the rest. He told me this amount had to be paid by money gram or cashiers check. I finally arranged to pay by credit card but when the final amount was disclosed: 132.00, the extra amount was a "transaction fee" I lost my patience and told him " This is
bulls--t and how would he deal with companies ripping him off like this." After a dep sigh he said, "I just accept it and pay the amount." Exactly why companies can get away with it!
Bottom line I want to see this company and others like it go out of business and I know it won't happen unless people stand up and say NO MORE...
They had no right to harrass me for the final payment and could have avoided the whole thing if they had just sent an accurate bill with the correct amount on it ithe first time!
I am composing complaint to the Attorney General (Texas) and the better business bureau...and suggest you all do the same. DO IT NOW WHILE YOU ARE STILL MAD OR THEY WILL KEEP RIPPING US OFF!

You can become part of a class action lawsuite by going to the following website. Drive is already listed.

http://www.sueeasy.com/class_action_detail.php?case_id=383

Okay, so I got sucked into this old 91 toyota station wagon due to the time because I didn't have enough money. The dealership is Mint Auto Sales, sold me the car leaving out the part who is financing me ok.

Mint auto sales told me because my credit wasn't so great I needed a cosigner, and so my sister cosigned it. Mint auto sales said I had to deposit 1, 500 for the 91 toyotal old station wagon and that the car is being sold for 4, 000 only. Mint auto sales said my montly payment was only going to be 220 dollars because of my bad credit.

But here's the thing, if my sister who has great credits in her 800's, why am I paying 250 for a really old car. So they kept saying it was because of my original credit, and that my car is only being sold for 4 grand and they have a great business partner who would finance me the car for 4 grand, also that the more I pay the faster the car would pay off. They left out my annual percentage rate. The dealership didn't even really let me read the paper because he was flipping crazy fast, the mexican guy said, "eh no worries man, you know the deal, it's basic stuff with you buying the car, need your sis to sign, you sign, and we offer this warranty and gap insurance that will cover you for any loss of the car value if due to repo, totaled in an accident, and when it can't be sold back for 4 grand, ya know."

So I bought the gap insurance/warranty.

Next I signed all the paper. Mint auto sale said I needed to put another 300.00 that includes my gap insurance, other fees they forgot to mention for the warranty incase my car breaks down. That the 1, 500 was not included with the gap/warranty. I didn't have the money but they let me drove it home and told me to come back in two weeks to pay the 300.00. I went back after two weeks for the 300.00 payment. The guy said I forgot to sign some paper work. Stupidly I signed it!

He even offered me full coverage insurance for 60.00. the first day I bought it too. I said, no hidden fees right, he said no. A week later the car insurance "broke insurance" sent me a letter saying I'm not longer qualify because I didn't make a full down payment, and that my first down payment was only 60.00 and I left out the 300.00 that was my monthly insurance payment. Yikes! What a scam.

Next my biggest nightmare came true. Drive off financial sent me a yellow card with the title, Drive Financial. I'm thinking that's not the full name of who I signed it with when I looked back at the paper work. Also, the yellow card was cheapily printed and hand written with the amount I would owe in 5 years. (interesting, 5 years) The whole amount was 16, 800.00 for the 1991 toyota camry. Now that's crazy. I couldn't afford to have worse credit than where I am at already since I'm screwed into this crap.

So I kept paying but up to the 2nd month. The lady from drive financial told me I was getting my car repo if I don't get insurance. I said, I have full coverage with progressive insurance. She said, "well I
never got a statement from them that you made a payment, " and
I'm thinking what the hell, since when do they have me personally go fax them every month of insurance that I have?

She adds on "hun, you are driving our car without any insurance, we cannot take that risk" Although I paid it two days ago, and it has not been posted yet, unless the lady really did call, she would have known that it was paid, plus progressive is a well known great insurance that doesn't mess up usually. So the lady kept arguing and arguing that if she does not receive a fax by noon my car will be gone. So I even had progressive fax her.

Next she did that the next month again. I was getting really tired of their ### service. Somehow I fixed the problem that wasn't even a problem to begin with.

by the 4th month, I told drive financial that I would be a week late for my payment. The lady said ok, just keep me updated. Plus I always go in person to pay, and they're located on madison avenue too. within
5 days, not seven days, my car got repo. I called, the lady said it was because I never made a payment within those 5 days, that I had no insurance at all because I didn't fax her the paper, she needed to be updated every month on insurance coverage. What the hell!
NOw I'm pissed off! FIrst I got scam by Mint auto sales, who is their buddy, and by Broke insurance, and next Drive Financial who supposely went by drive off financial so that I couldn't google their business. NOw I call drive financial and say "I"m willing to pay for what the cars worth only. I'd like to refinance or else I'm not keeping that car, the lady goes "ha ha ha hunny you're definitely going to have to make lots of payment towards the tow yard, and to us, and getting insurance." I said no, I'm only going to buy the car for what it is worth, you guys said 4 grand now 16 grand, that's a real big difference. Fyi, I told you that it was going to be a week late, and now the car is gone and there's a bill at the tow yard, I'm not paying the tow fee, nor the tow yard. If you were a smart business you wouldn't have tow a car just like that no more than a week, and honestly having people fax you every month for insurance coverage is crazy, and by causing me to have to pay a tow yard fee, what makes you think there would be more money put into the car if it's going towards a tow yard? Kastly why would you think a person would want to do business with you for all this trouble, plus you're just going to lose a car, lose business with me, why don't you just sell the car for a real deal and not lose any profit at all when I know you guys won't go back for the wagon when the tow yard is more than the car would be worth the longer the car stays there."

The lady said "###, I don't think so." Then i said ### you, and hung up. Anyway that was the worst ### business I have ever dealt with in my life.

That business needs to be shut down along with mint auto sales who is in business with them.

Later I got a message from drive off that I owe 16, 800 exactly.
I went back to mint auto sales about my gap insurance and why do I owe anything. Mint says you never bought gap. I show them my receipt, mint says you never bought it, drive off financial bought it. I said why the ### would they buy that insurance to cover my ### and why do I get the receipt, obviously I bought it. NOw mint says, ok, so if you bought it, it doesn't cover repo, it only covers total. I said, first of all, why would I need that when I know a lot of full coverage car has their own insurance on car accidents, total type of coverage on
cars. They go, fine you say what you want, we don't have a record of you buying a car from us, we don't have your paper work anymore than two weeks when you bought it. I said, well then that is fraud to begin with when you guys stated that if I was not satisfied with the car in no more than a month, I can bring it back. I remember after the first week, it made some noises. THen suddenly my car wouldn't start until I've tried starting it like the 6th time. Mint auto sales didn't want anything to do with me seriously.

So again, do not do business with DRIVE FINANCIAL, MINT AUTO SALES, and BROKE INSURANCE (not brooke insurance fyi). I"m dead serious!

This company is so rude. I just got a new cell number about two months ago. Well whatever this company is, keeps calling me. I have told them over and over that they have the wrong number. But they keep calling. They will not take the number out of their system. I keep telling them to stop calling, they won't. Now it's turned into harassment. And I am going to press charges against them for harassment. I have had two of those *** tell me it's my problem. Now it's their problem. And I am not going to stop until I get some legal justice.

I must admit, I was only slightly miffed at this company until I read all of your posts. Now I am royally PO'd. It seems that the practices of these people are highly unethical and boarderline illegal and need to be brought to the attention of the authorities and numorous other resources like the Better Business Bureau and the Attorney General.

My Story - Last summer I was placed in a loan with Drive Financial by an auto dealership without my consent. I signed a set of loan papers with the dealership the day I purchased the car and drove off with my new vehicle. I get a call two weeks later from the dealership stating they forgot to have me sign "a" piece of paper. So I go to the dealership in good faith and find out they have completely reworked all of the loan documents with a new lender (Drive) and I now have a higher interest rate and higher car payment each month. (Can you say kick back to the dealer?) Anyhow, I had already surrendered my other vehicle to the dealership at trade in, so I had no other choice but to sign the new documents, or literally be forced to walk home. The dealership stated that the prior lender had backed out of the loan, two weeks AFTER the original signing when they realized I'd gone through Chapter 13. The dealership left this little tidbit of information out when they called me back in to the office. Everyone I have spoken with who works in the auto industry says this is a lie. Once financing is in place, ITS IN PLACE! A lender can't and won't back out of the loan agreement two weeks after the paperwork has been signed.

I am now six months into the loan and the calls are non stop from Drive. The latest my payments have ever been is by a few days and yet the calls are a daily thing! They began immediately after we signed the loan with them and have been a dialy thing (multiple times a day) ever since. Of course I ignore them because I don't have two hours a day to talk to an automated system. So now they have begun calling my mom and all of my other relatives numbers. As soon as I found this out, I went into terminator mode. This is now WAR!

I have been a paralegal for over 15 years and I can smell a scammer from miles away and this company wreaks. I have taken this matter to one of the highest powered trial attorneys in Dallas and he agrees that his looks like a scam between the dealership and Drive. He told me it is not uncommon for the lender to give the dealership kickbacks for placing people into subprime loans (people that may not necessarily have to be subprime).

I am going to meet with the attorney later next week to discuss strategy and determine if he wants to pursue this case. At the very least this is fraud on the part of the car dealership and harrassment on the part of Drive. After I meet with the attorney and see if there is a chance to pursue a class action case against Drive, I will post what I find out and a contact number for you all to call if you want to join in the suit. If there is anything at all I can do about it, I don't plan on EVER letting these people take advantage of me or anyone else out there who is struggling.

Keep in mind, if you DO genuinely owe these people money and you ARE months behind on your payments then they do have the right to contact you and in some cases, repossess your vehicle. I am speaking more about the predatory lending, verbal abuse by the CSR's and harrassing phone calls to the workplace and family and friends AFTER they have been told not to call. Late payments and repossesion are other issues entirely that you will have to take up with legal counsel on your own. My issue is with predatory lending and abuse of the client/banker relationship.

This kind of predatory lending needs to be stopped especially when it is being forced on you without your knowledge or consent! This is EXACTLY what got our country into the mess that it is in now. In the interim I would strongly encourage each and every one of you to keep a log of the calls that come in with date and time. If at all possible, record your conversations with these people and then file a complaint with the Better Business Bureau and the State Attorney Generals Office regarding the harrassing phone calls at work and to your family and friends. It is not legal for them to call these places once you have informed them not to. Write a letter to Drive, outlining the numbers they are NOT allowed to contact, and send it certified, return receipt mail so you have proof that you told them in writing to stop. You will HAVE to have this if you decide to file a lawsuit.

Lets pull together and be heard!