Santander Consumer USA
Reviews and Complaints

My auto loan with hsbc was taken over by santander in 2008. Santander is/was a secondary lender (for those with poor credit) and their business practices are questionable. I have requested my loan contract from them three times. Today when I called, I advised the customer service representative I was recording the call. She said I need their permission. I asked her for it and she told me no. I asked for a supervisor. Twelve minutes later I speak to another person attempting to end the phone call if I recorded. I advised them they record it on their end so they shouldn't have a problem with it, but he still tried to end the call. My concerns about santander: i'm not sure they have a copy of my original hsbc loan contract and/or a copy of the loan contract with them (which technically would not be signed since I had no choice). However, when a new lender takes over a loan, by law they are required to adhere to the conditions of the original loan. My original hsbc loan contract states, "if any payment is not paid in full within 10 days after it is due, you agree to pay a late charge of 10% of the unpaid amount of any delinquent installment." however, santander charges the 10% late fee the first day you're late. I have a bmw with payments of $644, so that's an illegal fee of $64 anytime I was one day late. Once I receive a copy of the loan agreement, I will likely be having my attorney file a complaint.

After fighting with santander for 6 months on many different aspects, with absolutely no solution, all my problems were solved by their telephone rep. Named felecia, stationed in their fort mill, sc office. She solved them all in 20 minutes, after I had spent 6 months and 20 man hours attempting to deal with santander.
She was a former citi employee and thoroughly equipped in customer service.

I need to file a formal complaint towards this company. We had file chapter 13 in 2008, we made all payments on time to the trustee, however due to my son's disability we had to file for a chapter 7. On the process of filling a chapter 7, santander, never sent us any bills, nor phone calls and repossessed the car. After the car was repossessed, santander started contacting us by phone calls. I called them back, they never verified who I was and started attempting to collect funds from us. Here is my bankruptcy case number 6:11-bk-06811-abb. Tomorrow, 06/03 we have our hearing and this company still are contacting us. I have informed this to my attorney. However I need to take this an step further. I have the time and recording from the on my cell phone.

This is a horrible company. I made a payment online and received a phone call from santander saying they never received a payment online. I gave them my checking acct information and told them to just debit it out 1 payment since I was at work and didnt have access to a computer. 2 days later I looked I noticed in my checking acct there were 2 payments taken out which caused nsf charges for my other withdrawals. I was so upset and when I tried to explain to them of course they said it wasnt their fault. I never received a refund. This is the worse company I have ever dealt with.

I paid off a car loan with them on 31 march 2011. I had a military allotment already set to be paid on 1 april and it was too late to stop it. I have been calling for over two weeks to find out where my overpayment was and the csrs and supervisors keep telling me they have sent high importance emails to their accounting department. I have asked three times to have someone call me back and have never received a call. I have requested a number to the accounting department as well as higher level supervisors and they will not provide me a number. I am extremely frustrated and am considering contacting a lawyer.

Constantly calling stating that I owe more money in which I do not. 37 payments of 37 months so how could I owe any more. The contract was bought out by santander from citifinacial without any notification to the customers at all. The contract bought stated payments to start on 3/29/2008, however in several conversations with this company I found out that they had pushed my contract date back to 2/28/2008 which can not be done. I signed a contract stating the date above. I have made my payments however I have been charged late fees before the due date (which was the end of each month) negative credit reports and interest has been added as well. We are now receiving threatening phone calls at work as well as the threat of taking my vechicle. Santander does have a copy of the orginal contract with citifinancial, in which they constantly are asking if I have one. Of course I do in which I have told them and pointed out everything that is wrong with their collections. They are refusing to correct their mistake and reverse all fees, interest and negative credit reporting. I did not sign a contract with santander nor did I agree to any of their practices.

Our original auto loan was through citifinancial auto. Apparently citifinancial was bought out by santander, which took over our loan. We did get a notice in the mail letting us know the loan was now held by santander, and shortly thereafter started having problems. We would make payments and have santander claim they were never recieved, even though they were directly debited from our bank account. Then this month (may 2011) we traded in the vehicle. The dealership sent a check for the payoff amount, the check was cashed, and get this - the title was released! Yet when our payment date passed, we started receiving calls from santander claiming our account was past due! We have repeatedly told them the vehicle has been traded and paid off, yet they refuse to acknowledge this. They have now threatened to repossess the vehicle... My husband said go ahead and try to find it, I don't own it and have no idea where it is! The dealership is now trying to help us out and work with us to deal with santander before this unethical company fraudulently adds interest and late fees and puts negative marks on our credit.

I purchase my vehicle back on 2005, finance with citifinancial auto. I have nothing but problems since santander consumer usa get involved with the auto loan back on june or july 2010. They are horrible, on customer service (I belive they don't have that), I call harrasing always with very bad actitud, was hard to explain that if payments has been made to my account for five years, is beacause I 'm comited to do so. But now that the last payment is next month, they send a letter offering a payoff balance of $6300.00 when I call to ask if their is a mistake, they said that the late fees, payment charges and other charges are being charge from my monthly payments and after interest charges a minimun has been post to the principal. Is like all or almost all my monthly payments are post against interest and charges. And all kind of charges that none of us has a clue how many they are since could change any time without notice.?!
I ask for a wait to negociate this issue, I also ask for a manager and they told me they have many (but never giveme a name). After 3 days they fax me a modification contract that is an insult to fairness and honesty. If a lawyer is reading please contact me, this is ridiculos they offer 18 months more on a new contact with more interest and fees that ever. After this i'm not sure if I should return my car after 66 payments or if continue paying, because after reading about the way santanders consumer usa conduct their bussiness probably i'll never have my car title.

Unfortunately I have an auto loan with santander consumer usa. My original loan was with soverign bank and it was sold to santander or soverign was bought out by santander. Ever since I have had the loan I have been making extra payments on the principal. Every time I write out two checks one for the amount due for the month and one towards the principle. It has been nothing but problems. Every month they credit towards my next months bill and not towards the principal. One employee told me I had to be three months in advance on payments in order to credit the principal on the account. I have never once heard this before but kept paying extra every month. I had to call them every month in order to tell them that the extra check I wanted to be towards the principal and not towards the following months payment and they still continued to do this month in and month out. I got so frustrated with the company I decided to pay off the loan in full. I requested a payoff amount and mailed it in. Today I recieved an email stating I still owe $24.16. It has been nothing but a headache with this company. I will be sure to never deal with santander or any of their affiliates ever again. Hopefully no one else will ever have to go through what I have had to go through over the past 30 months or so.

My husband and I had a loan with santander for 2 years regarding a car loan, and never missed a payment or submitted a payment late. We recently refinanced, in which the new financier paid off the account, but we inadvertently submitted another payment not knowing the account was closed. This created a credit to the account which has been acknowledged by santander. However, here we are 15 days later, and after 3 phone calls with representatives tracia, rachel and supervisor danny with no satisfactory results. Both ladies claimed that their accounts payable department would start the refund process back to our amex in 10 days. I specifically asked rachel if there was anything I needed to do, and she said that she had initiated the process. Now speaking to danny today, all he can offer is a sorry and now states that it takes 30 to 45 days. This level of service is unacceptable. We will simply contest the charges on our amex, but I want every consumer to know that I advice them not to do business with santander unless they wish to have any financial connection with a "dysfunctional" business that can't seem to get their act together. We refinanced to just get a better rate. I didn't know the consolation prize was get our money away from such a poorly managed business.

I had my loan through citifinancial auto and they bought them out in october 2010. I was assessed late fee for that month and I didnt even that they were bought out and mind you that I my payment was being drafted out of my account. They cancelled everything without my knowledge. Now that santander has my account they have charged my late charges even though they are not to and I was within my limit. I got ahold of attorney and now we are going to do class action against them so if anyone wants to be onboard please let me know. They are not going to get away with this. This is not a scam promise. I got attorney in houston, tx. Please help get this company.

Santander usa bought out ge inc. We paid our loan off with ge. According to ge, all records, titles, etc. Transferred to santander usa. It has now been over 60 days and we can not get our title or a release of lien from santander. They say they have over 20, 000 titles a day to enter in their system from ge. Because our title has not been entered yet, we can't get a release. They have all the info. And their system shows the loan has been paid off. My last phone call to santander, I was hung up on. I don't know what to do. We have sold the travel trailer that the loan was for and I can't give the new owners a title. Does anyone have any suggestions? I feel they have me backed against a wall. They are the giant and I am the little person. The new owners can't tow the trailer because they can't get it registered in their name. Because it is still registered in our name, I have to continue to carry insurance on it. The new owners are threating to return the trailer to me and give them their money back... Which I don't have because we used it to pay the trailer off. Isn't this fraud, theft? Any help?

The issue I have is I mailed a check for my car payment two weeks before the due date. It came out of my account and it cleared through the bank. But for some odd reason santander never received it. They claim they never got it. And they refuse to give me credit for it. And they insist I send them proof, which I did. And they still refuse to give me credit for the payment. They still call me 10 times a day at 10 different numbers and on occasion from a private number. And they have called after 10 pm and before 8 am. I also receive rude customer service all they care about is me making another payment. When I already paid them! Explain to me how they can get away with stealing my money. I have reported them to federal trade commission and still no response. And I do love the fact on my account online they show as having to contact with me when i've talked to them, online chatted with them, emailed them, and faxed them on several occasions. And I love the fact that i'm past due 29 days but they say i'm due for two payments. When they have received my payment already. Anyone know of any class action suits against these jokers. I want apart of it. I can't stand someone stealing my money.

Santander has been charging me what I consider to be "unreasonable" late fees. I have been behind on my last two payments so I am probably not there favorite customer. The only form of payment they accept is through their website and they charge $11.00 to process that payment. If I pay by phone they charge $11.00 for me to process that transaction. I know for a fact that they are using this to make lots of money unfairly. My car payment is around $330.00 per month. I own my own business and I can process that same transaction for less then $1.50 from any bank. Why would they try to rip me off like this? So the only way I can pay them is by direct us mail to avoid any additional fees. Direct mail is slow and I cannot send a check ahead of time to post date it. They do not accept post dated checks. So the checks would would have to arrive exactly on time. I do not control the us mail system. The likelyhood of me being able to coordinate that payment through the mail every month is possible but not plausable. The late fees that they charge on my account are around $5.00 per day. I was just recently contacted by them to make my payment. That is not a problem. The only arrangement that they would accept from me was to make that payment by phone and pay their $11.00 processing fee for that transaction or I would be penalized over $130.00 in late fees. What kind of option is that? I asked if I could send them a post dated check tomorrow (fri) that they would most likely receive by monday. I live in austin and they live in dallas. He said that I cannot send a post dated check and I would be charged my late fees. But he was happy to to not charge me any of my late fees if I paid the $11.00 transaction processing fee to them and make a one time transaction arrangement post dated for the following week. I am curious how many clients they have. Take that and multiple it by $11.00 and you will find out very quickly this must add up to an incredible amount of money. Then mulitple that each month. It is unlawful to charge clients processing fees in texas to pay a transaction by credit card. They are also breaking their agreements with their own merchant processor by doing this. I use to work in merchant processing a few years go and I am also a business owner myself that accepts payments by credit card. I know they are breaking the law by charging me a fee to use my debit card period. The money they must be making by doing this has to be an incredible amount. They coerce their clients into paying this by threating crazy late fees like $5.00 per day. Please help do something about this. This is wrong and they are taking advantage of a lot of people. They should not be allowed to get away with this. I am happy to speak with you further and provide more info. Thanks for your time and consideration in the matter. They are breaking the law in texas by charging their clients processing fees.

Useful info on these bottomfeeders here; https://secure.wikimedia.org/wikipedia/en/wiki/Banco_Santander, and here; http://finance.yahoo.com/q/mh?s=STD+Major+Holders . yes boys and girls, their NYSE label is "STD", It fits. look at how Wells Fargo is a major shareholder, now stay with me, Wells Fargo took over Wachovia bank, They are the ones that just got fined for Laundering 300 BILLION in drug money. Think there may be some dots to connect here? UPDATE: This just in, more dots? https://secure.wikimedia.org/wikipedia/en/wiki/Emilio_Bot%C3%ADn

I was recently harassed by the man calling me to collect my past due balance on my car loan. I explained to him that I have had some family issues and that I was unable to pay until the 1st of may. He basically harassed me to the point that I had to hang up. He kept telling me he demanded the payment on the 30th not the 1st and that would not work. I told him my mother was out of town having a surgery and that my husband is in afghanistan protecting his freedom and why couldn't he give me a break if it was only one day. I am so fuming mad at this point, he didn't ask me to hold he actually told I better hold and he would be back. I couldn't take it any more this man was so rude. I have had understanding representative never treat me like this from this country I was appalled. I need to find an email, phone or some kind of contact as to who I can get a hold of in response to the sever rude and harassing behavior I had encountered tonight. If anyone could get me any other the contact information for the people who can help me and who will listen to how disgusted I am that someone would not listen to me and treat me less than a human being.
- cay contact [protected]@gmail.com, customer number for santander consumer usa, financing and auto loans department.
Thanks for reading this

I purchased a vehicle back in july 2007 from a dealership and financed it through cit auto financial. With citi, I had no issues, the customer service was great and I had absolutely nothing to complain about. Well this past year, citi sold my loan to santander consumer usa. From there on, things just turned from great to terrible. I can't log onto their website, their website doesn't recognize my email address to reset a password, when I try to resign up, it says my account is already set up but I can't log on. Upon calling customer service, I get hung up on by their automated system 4-5 times and then when I finally reach someone, they are incompetent.
All over payments are suppose to go towards interest (like in all other loans I take out), well not with santander. They apply it towards your next payment and still charge you interest on the full amount of your loan until you get 3 payments ahead. I don't ever recall agreeing to this and their agents don't see to be able to answer the question on where that was agreed upon. So for the past year I have paid interest on funds they have already collected and applied towards my next payments.
When I purchase my next vehicle, I will go through my own personal bank for now on. If there is a chance that santander could service my loan, I will refinance it so I don't have to deal with these people ever again.

I had received notice that I will now start making payments to them on a truck of mine, I tried to call and in order to talk to a human, I needed to put in my account number. Well the account number didn't work, they could not find my account (the auto voice) I e-mailed, got an auto reply that they received my e-mail. After a week I just started pushing buttons, and got ahold of some clown from jamacia. He wanted all sorts of info. To include my social security number. If they are on the up, and up, this is by far the worst company i've had the displeasure of having to deal with. I've never been notified by the original loan holder that they sold the contract. And I don't think they went out of business. Odd just odd. Oh and john santander, i'm not a loser, but you're an #.

My car loan was taken over by santander from hsbc. Loan was paid off last october. I still haven't gotten my title or the over payment they owe me.

Look loosers, all of you who are complaining about santander are horrible customers anyway. I mean all of you are complaining about interest than its your own fault due to the fact of your credit being bad! Thats how most of yall became santander customers in the first place. Santander only finances sub-prime customers (last chance financing) and yes they give high inerest rats buts there is no one else to blame but your self. Also if you paid your bills on time than they would have no reason to call you and when they do its collections your speaking to, not customer service... And yes there is a huge difference between the two. Also you will be charged a daily per diem if your late, thats called a daily simple interest loan and you agreed to it when you signed the contract. Heres a noble idea, if you just contact santander if your haveing difficulty making your payment and guess what they will work with you but if you dont, dont sit there and complain when they call you because you owe them money... Its called common sence people... Stop crying and pay your bills!