Santander Consumer USA

Santander Consumer USA purchased our loan from GEMB Lending Inc. We paid in full the final balance due on our 2006 Coachman travel trailer. We received the overpayment but never the Title Deed. Several calls to Santander resulted in different stories from yes it was sent and lost in the mail to California deals only in electronic title deeds, which is not true. Asked to talk to the manager, I was hung up on four separate occasions. I finally filed a complaint with the BBB which gives Santander an "F" rating. Go figure. Don't do business with Santander.

I have been harassed by Santana's consumer usa employees calling me 3 to 4 times a week every other day threating me about reposses they are very rude

You are dead wrong. Santander is abusing customers who do pay their bills and on time. And no, simple interest per diem is not on most of the contracts that Santander purchased. They are ripping people off right and left and they do need to be stopped. Hopefully a number of state attorneys general will put an end to it.

Look here you jerk, You are way off! I have made every single payment on time for the full amount of my loan. I financed my vehicle through Citi Financial and guess what? I had & still have good credit. I can't help it my account was sold to you ### who can't even answer the phone or send my title. You had no problem taking my money every month on time but now I can't get my title or a person to even answer the phone! This is the worst company ever and should be shut down!

JHON SANTANDER ISENT FOR REAL. IF HE SAID HE HAS KEPT ALL THE PHONE RECORDINGS OF EVERY CONVERSATION ON FILE THEN THE SPACE BETWEEN HIS EARS IS SMALLER THAN I THOUGHT. RECORDINGS OF ANY KIND CAN NOT BE USED IN A COURT OF LAW. RECORDINGS CAN BE CHANGED THERFOR THAY ARE NOT WORTH THE POWDER TO BLOW THEM UP. COMPANEYS DO THAT JUST TO MAKE YOU THINK ABOUT WHAT YOU SAY. FRIGHT NIGHT...

I find it amusing that JohnSantander would state that Santander does not violate in laws. We shall see. Word has it that Santander has tried to open up zombie debts that are 10-20 years old and had been paid off. What they are doing is just reporting it to the credit companies and trashing people's credit hoping to get money from them. This time they have pissed some people off with the resources to fight them. Several lawsuits in Texas are going to hit them extremely hard! No violation of the law John?

I think everyone that has a complaint or problem should get an attorney to solve the problem and get Santander out of business, Contact sockolove, look it up and file a complaint against these crooks, let some one handle it who knows the law and can get something done. What do you have to lose? They don't charge any thing to here you and what you have to say, give it a try

Listen here i paid my loan on time every time with Citifinancial. Then my loan got sold to you people for what reason i don't why? Also before you start throwing stones there John. You need to think! a lot of people lost their jobs back 2008 when the economy took a hit. People couldn't make their payments to any of their bills which I don't know how you think that was is their fault? It's their fault the economy went into the toilet and they lost their jobs? Unemployment was hard to get and if you did get it you were lucky if you got paid every week to pay your bills. Answer me this question have you ever ONCE in your life been late on any of your bills? I can about bet you have been, we all have at one time or another. As far as your so called company being so WONDERFUL they are crooked in many ways. They charge interest fees for being one day late? A $10.95 fee to make payments over the phone. The NON STOP phone calls all times of the day and nights if your one day late. Which i found out if you called more than twice a day it's against the law. I found that out from my lawyer. Santander has broken the law there. Also i just recently paid off my car loan through your so called wonderful company. I made my payment via mail. Because of YOUR company's policies I couldn't make my last payment over the phone. You people received my check and cashed it BUT it never made to my account. I called the next day and i was told by one of your very rude customer service people that they never received my check but yet it cleared my account. What kind of game are you people playing i mean really? I had to get prove that you PEOPLE cashed it by getting a copy of my check from my bank. I had call JP Morgan Chase Bank to get prove that you people dealt with that bank after i was told you didn't. All of the sudden my payment posted on my account the following Monday morning after i had get a lawyer involved. I did consult with a lawyer on your people's BAD business ethics and i did file a complaint with BBB. Your company needs to be put in their place. OH the kicker of all of this here it is 20 days later and i still don't have my title. ONCE AGAIN i had to make a call to your wonderful company you work for to see where my title was. OH to my surprise my title is lost and now i have get a duplicate title because you ###S lost it. BUT yet i have to pay for it? I THINK YOU PEOPLE NEED TO PAY FOR IT SINCE YOU LOST IT! So, JOHN get your head out of your ### because your company isn't all what's cracked up to be. And honest people are getting punished for your CROOKED ### WAYS. I didn't ask for my loan to be sold to you people and I thanking the lord i am finally done with you people!

Wildflower speeks the trouth of the matter she is right santander wrong again:)

I cant belive Jhonny boy would say such things. God forgive the pants on fire. He knows not what he is saying. Poor Jhonny lets not pick on the kid for the trouth will come home to rest. I know that the amount of people that are complaining are not lossers just fell into bad times and belive it or not jhonny you stand to loose every thing all so at the rate all co, are goeing now. I dont have time for this so just hang in there with the lies more trouth will come out in time. Keep smilling and putting people down, when you get to the bottom let us know how you are doeing, well will be more than happy to have you call us and make some kind of arrargements to help you. And just for the record I missed spelled a few words just for U:)

For your information mr johnsantander, most of us our loans were sold to sandtander which is against the law in itself. 2) we did pay our bills ontime till the company we were with sold out to santander so bite your tongue if you do not know the whole story.

I agree totally. Santander Consumer are the most annoying harassing company I have ever been associated with. My payment has never been anywhere near 30 days late in the 3 years we have had the loan. I admit sometimes it will be up to 10 days late due to how we get paid. The will start calling 2-4 times a day on about the 4th day, call my employer (which a supervisor at Santander said they ARE NOT suppose to do. You would think I was three months behind the way they harass you. Then imagine my horror when they bought my Citi Bank loan out for a second vehicle I have. Will NEVER do business with them again. I will pay a higher interest rate than go through them again.

They are the worst. Good luck. I think hat we should just all stop paying this company and show them who is really the boss. What is wrong with our country when good people are treated like this and no one cares.

They are simply rude and lack cust service best practices (or even basic). And yes, every time you call is a different story and a round-around response that leaves you knowledge-less. I have one more payment on my car loan and WILL NEVER want to have something to do with those unprofessional, uneducated people. How hard is to get a straight answer? If someone wants to have a job where you can do nothing and get paid, then work for Santander Consumer USA! And collect karma!

do you know which repo company they use in south florida

do you know which repo company santander uses. I live in south florida and they will not tell me who has the car until I pay them.

I know its too late for you but for anyone else making a payment to these crooks by mail, ALWAYS get certified return receipt from USPS. It will prove when these ###s received their payment. This is one of the few creditors I would do this to because I have read so many stories of payments getting misapplied and "lost". I think its all a bunch of ###. They will nickel and dime you to death.

You need to read your contract closely, meaning look for the verbage on how late fees are done such as being added to the loan.
If your contract states that the late fees will be collected on top of a payment and does not increase the loan then they have broken the law.
They can take your car as calateral for not paying your monthly payments because the have a financial interest from the loan not late fees.
Again look at your contract, if your original contract is with Triad and it states what I posted above then Santander would have to honor that contract even if thier policy is different.

I totally agree with this I am at 15, 000.00 for a 2007 Dodge Magnum what a freakin rip off.

All Auto loans are written in which if you make all your payments on time (on or before the due date) then you should zero out at your maturity. The issue is majority of people do not read their contracts nor make timely payments so they incur daily interest charges (Per Diem) calculated you take your outstanding loan balance multiplied by your interest rate then you divide that by 365 days = Per diem. Believe it or not it written in your contract. Just from the info you provided I gather your interest rate rounded it up 17% if you are consistently late 15 days ex. 15 *$6.50=$97.50 extra interest you will pay + $28.80 late fee(5% of monthly payment amount) accessed usually after 10 day late. Your payments are calculated to be made every 30 days without fail and interest always is paid first so you have been basically been paying all this extra interest out of your payments each month that could have been going to reduce the principal. CitiFinancial Auto did their Deferments or Extensions by placing them to the back of the loan still accruing interest and at maturity a balloon payment. If account never over 30 days past due it will never be reported to Credit Bureaus . I hate what these banks do to us. -

Hey Stealth Pilot, try opening an account with Santander or HSBC if you want to know what people are complaining about. I have good credit, no missed payments yet I'm been subjected to the same crap. The key is catching it before it get's to a point where they hit you with a fee...unfortunately, this means monitoring each line item of your bills monthly.

I'm 2 months away from paying off my car...(was with CitiFinancial then taken over by Santander)...payments are automatically sent from my bank at $466.42 a month. Just happened to login to my santander account today and noticed a clever trick that I recognized from HSBC. My payments are all the same for 72 months by contract. Here's what Santander did to create a new payment amount. They added a bogus payment on 3/11 for -$466.42. On 3/14, they credit the payment back to themselves and add 1 cents interest changing my next payment to $466.43. The bogus payment was left there for 3 days so it could accrue interest as if it was a loan to me. So what does this mean? Well, when my next payment posts for $466.42 instead of $466.43 (including the 1 cent interest), they will say my payment wasn't enough and hit me with a late payment fee. I got online with customer service and reported it right away. Since I already have a lawsuit pending, I see no problem with adding another predatory company to the list.
Unlike most, I actually filed a lawsuit. My rights are worth more than the few hundred or thousand dollars I need to spend in court. As long as you don't fight back, they will continue...that's just a FACT and they know it.

To the stealthy santandirt pilot: To claim that I am blaming creditors for my neglect is pretty illogical. Take a good look at the complaint board and you'll see plenty of people who are reporting Santandsmears questionable and slippery practices. My story is one of hundreds, if not thousands. What I am describing is a company that harasses its customers, makes it difficult for debtors to keep up with or even make payments, and a company that lmisleads and lies to its consumers. Unlike Santandsmells, I take responsibility for my actions- successes and mistakes- and do my best to act in a moral and ethical manner.

Wow! Is "Stealth Pilot" code for "Let's find another way to harass our customers" ?
Warning to all who decide to (or are forced to) deal with Santander: this company has been nothing but trouble for me as well. They call, harass, overcharge fees, and charge interest upon interest to the consumer. They have no moral or ethical backbone.

Despite the fact that my husband was in Iraq serving our country (and thus we had a decrease in our income as I needed to cut back my hours as a nurse in order to be both mommy and daddy to our five children), Santander would not work with me- not even in good faith- to allow me to continue with my payments. They showed no mercy or compassion. Of course, that's not their priority, is it? They are a debt collector.

On several occasions, despite the fact that I had been in communication with the company, Santander would demand a full two or three months payment, or NO money at all. They would not accept a partial payment, which would have helped me greatly in keeping up with the loan.

Also, time and time again, I would speak to Santander via phone and explain my situation, and inform them that I would be making a payment in two weeks...or that I couldn't make one now, but would as soon as I was able. And my payment record spoke for itself. I would indeed make payments, faithfully, despite my difficult situation. Still, I received harassing calls (and the calls were brutal)- sometimes once or twice a day- warning me (as if I didn't know) that I was late on my payments. There would be days that I needed to explain my situation over and over again. After some time (my husband was away for 15 months), and when I finally ran out of patience with this company, I began asking the company representative who called what their records showed...I would ask "Well, when you called me yesterday, what was my answer to you regarding why my payments are late?" I started asking questions, demanding answers. Nine out of ten times the caller was not sure, or, if they bothered to look back on the electronic record (and they ARE able to do this), they would state back to me the TOTALLY WRONG ANSWER!

So I began asking to speak to the manager, just wanting to make sure that my conversations with them were documented accurately. Made no difference. The phone calls continued the harassment didn't end, and the mis-information on their end continued.

No other debt collector, or creditor- (and it's not like I had a whole lot of debt- just the car, a Home Depot account, and my mortgage) was so cruel. All creditors, and even utilities companies, were willing to work with me while I was in the midst of our very difficult situation. I have to say that Santander stands alone in it's refusal to assist me to make payments to the best of my ability, as, in good faith, I had requested. At one point a repo man came to my home (I was three payments behind) and scared the living daylights out of me and my children. Can you imagine? We were dealing with our husband/father in the throes of war- the cruelty of Santander only added to our stress and fear in a very difficult situation.

I have many other complaints concerning this company- unfair fees, over-charges, etc., that I could include in this statement, however, I believe that my struggles which Santander, as described above, provide a more accurate representation of what this company is about.

To the above customer regarding their 2002 Toyota: you have rights as a consumer. Check out Clark Howard (.com) for some interesting information regarding debt collectors. Get in touch with your state's Attorney General, who would be interested in knowing more about this company, and should, in fact, be protecting you as a consumer. Get informed, get power. Don't be afraid to send a CERTIFIED letter to the company informing them what your concerns and actions are. Fight back! You do have some control here.

And no, when a customer is working in good faith to make payments, they should NOT need to experience the extreme repercussions of what you are going through, or what I have gone through.

I will have my loan paid off within the next six months. I am eager to get this whole nasty experience behind me.

I contacted Santander repeatedly to find out why my payments were applied to interest. The told me that they could not tell me the amount of interest i owed then told me to call in. When i called in the person said i didn't owe back interest. Then I sent extra in to pay down my principal and it was all applied to interest. I called them 4 times to discuss this issue no help. I am escalating my issue.

I paid my first car note and the idiots ran my card twice so it was a total of 2 payments instead of one. I've been calling their customer service (yea right)and no one knows what to do or they hung up. How does a company get away with this? Finally a capable person (yea right again)took my information and then stated he was not sure if he could get this cleared and oh by the way, he admitted that it was their fault. So why couldn't he stop the double payment? Bad company ever. When the rep took my payment I knew she made a mistake and when I inquired, she replied there was an transaction error but never clearly stated what she had done. so I hold Santander completely responsible sine the people they hire are very incompetent when it comes to this sort of business.

Before Santander took over Citi Financial, Citi Financial set up a payment on my accvount and I have done everything Santander has asked me to do as far as faxing over the proof of documents of the payment that was set up and Santander continues recurring late fees and stating that we are one payment behind and this is causing major issues. We are due a refund on the recurring late fees. Its making the balance occur more interest on a balance thats not appropriate! Get it straight.. I make my payments EVERY MONTH... NO COMPLAINTS FROM SANTANDER ON MY PAYMENTS BEING MADE MONTHLY...

a company was trying to take cash from my account i had told this company NOT to but they tried and tried, each time i ended up with a £30 fine from the bank through no fault of my own, however the bank santander started calling my mobile up to 7 times a day leaving a stupid message, i am a mature disabled person and find this upsetting so after around 56 calls in a week i called them sorted out the debt and told them i would be in touch, BUT still they call 4 calls today already its only 6pm, 6 calls yesterday please get them to stop, i dont want to change my number as hospitals doctors family all have this number, i have asked them not to call, i filed a complaint against them, and i have been rude, i have hung up NOTHING STOPS the calls, , , , , help

I received a letter from Citi Financial that my car loan account had been sold to Santander and that we would be receiving a coupon booklet to make our car payments in the future. I began checking the mail daily in an effort to make sure I did not overlook receiving this booklet so that I could make my car payment in a timely manner. However, I did not receive a booklet from Santander; what I received was a statement that was supposedly mailed out on 9/27/10 and may payment was due 10/10/10. This statement was received on Saturday 10/09/10; however, I did not check my mail until Sunday, 10/10/10 (glad I did). On the statement it says "there is NO grace period for payments. If your payment is not received or is returned for non-sufficient funds, immediate collection procedures and applicable fees begin...If you do not receive a billing statement for any given month, call our toll free number [protected] and notify us immediately." Evidently, this is something to be on guard for. Needless to say, my husband then called and made a payment by phone which costs an additional $10.95. I totally believe this was done intentionally in hopes that people sign up to pay online and if you don't you are penalized for it by paying additional fees. Anyway, I called their customer service number the next day to see if this is their practice to send statements out late. I spoke with "Natasha of the South Carolina office" she did not want to give me her last name; she told me that statements are usually mailed out 15 days before payments are due...okay well let's see between 9/27 to 10/10 that's 12 days and then she stated there is most likely a problem with my postal service and I need to call them (I stated I would do that if I needed to but I don’t think that’s the problem - we will see when it’s time for next month’s payment). Ms. Natasha then informed me that I could have sent them a payment earlier because there name and address information was on the letter sent to me by Citi Financial. What? What type of customer service is this?! Whatever I said she had a reply for but no apologies. I have a bad feeling about this company especially after reading the other reports. So keep up when your payments are due (you may even have to submit payment before receiving a statement) as it may be this company's intention to trap you!

I purchased a Jeep Wrangler from a local dealer and they set up my loan through Drive Financial in 2017 approximately $16, 000.00. During the course of the loan I made $450.48 month payments to Drive Financial then it switched to Santander in 2017. I recently suffered from medical condition and got behind the harrassment calls and contacts and threats were devasting to my reputation. I have reviewed my current balance it is the same as it was when i first purchased the vehicle. How is this possible? They have tried to repo the Jeep even though I have brought my account to current. I do not understand how this company can buy my loan without my consent then start my loan from beginning amount after paying on the vehicle for 3 years.

Auto loan over 1 year not behind but notice the strange fees that I NEVER RECEIVE AN ANSWER ON CARMAX also a party to this as they lie at closing to receive large kick back to use Santander financing. Then you are stuck! lie after lie!
Santander claims to offer a payment reduction plan, this plan is for 6 month's. to assist you if you may have a problem making payment in future.
So far 18 phone calls e-mails. talk on line, produce nothing! The Presidents Office checked out to be a phony racist check point.
Yes, that is correct! The off the cuff remark by a so called representative when he called me all but a liar, that they sent out the information. THAT ALL MY INFORMATION WAS INCORRECT., SAME SPIEL EVERY ONE IS A LIAR!, AND OF COURSE THEY SEND YOU E-MAILS AND CALLS ALL THE TIME.MY SECOND TIME CALLING THE LIAR PRESIDENTS OFFICE.
The representative slurred out whitey and something else. when he went to supposedly retrieve the forms, stalled me online for 20 minutes stated he e-mailed them to me. and to call him the next day.
I never received the forms, as I expected. then it is the same lie after lie and lie. and 5days lated and 45 days nothing in the mail no e-mail .nothing. I THOUGHT IT STRANGE THAT I NEVER HAVE GOTTEN TO SPEAK WITH A NON BLACK PERSON, SEEMED STRANGE BUT NOW I KNOW WHY.
check with FOX NEWS DALLAS. on the investigation of this company LAW SUITE OVER 600;
A CORRUPT COMPANY.

Tried to register on Santander's site to monitor my payments and balance, but says that my email is already on file.. but I never registered.. Every time I call them they give me an excuse of why I cannot give me my login information, understandably, but instead state that they will reset my password. I never receive that password through my email. Then the bank started deducting my car payments out of my retired mother's bank account (no idea how they got her information since she has never done business with them), at the same time I was paying EXTRA on my account.. the worst part is, they never credited her money to my account.. it went missing? hmmm.. but her bank showed clearly that Santander did a withdrawl from her account in the amount of $515 (my car payment is only $463). On top of that, the extra money I pay is not being paid toward principal (which means I will never pay this car off no matter HOW much I pay them..)..

Damage: My mother's credit union account of 21 years was closed down due to overdrafting PLUS the fees accumulated.

This bank is a scam..

I have set up a transfer of money to a company in UK for transfer to my Australian bank account. My account has been frozen because of 'security' reasons; I have called Santander every day for 5 days now and they insist the security team have to make a call to me to verify I am on the numbers in contact details. I find myself in Australia with $6 in my purse, no means of paying the motel and no means of getting more funds transferred. This is the worst experience of any bank I have ever encountered. They have absolutely no heart, although I have satisfied all the security questions on every phone call, i still can't get a call back from security. Don't bank with them, do whatever you can to secure your funds elsewhere. A very sad expat in Australia.

NOT A COMPLAINT at Santander! It is a company that finances hard to finance people. If you signed the contract, DEAL WITH IT. After a time of GOOD payments, you can go elsewhere and refinance, but don't slam the helper! They were there when you needed them. The arm leg I pay them is MY fault, NOT THEIRS. If your 'iffy' about it, take the bus or save a couple payment amounts and buy something for cash.
There are enough truly crappy companies out there to complain about. To my experience, this is not one of them.

They are doing the same to me! To date I have paid 19, 500 for a vehicle that was contracted at 14.749.
And they still say I owe 1300 for the car!
Santander now says it is because I was late on some payments. I have no idea where to turn...

I'm a disabled veteran of the usa army 11B (medically retired). My car was just repossed at 2AM by Santander. The repo company pulls into my driveway, puts car immediately on lift. I come outside and the repo driver says get your baby car seat out at least. I show him proof, I ve been makin payments since 2015. 2015 KIA Optima $22K sticker price. I put 8K down in cash, $524.00 @ month and been making payments since Feb 2015. You do the math! I have PTSD and it took everything in me not to flipped out on the driver a 2AM. No notice, no letters nothing. I talked to some kid working in their call center months ago and said continue making payments, you don't have much left? I can't believe how greedy Santander is, no respect, no notice..GET YOUR BABY SEAT OUT BACK OMG pray for me, please. If I didn't have military disclipine I think I would have lost it. The driver didn't even give any paperwork, nothing SGT. Rogers 2ND Infanty Division USA ARMY RETIRED 11B. "AMERICAN GREED Then I log onto google and see noting but bad reviews.

we too had a loan with someone else, when santander bought our loan we paid on the loan for 6 yrs really had no probs in making payments on time then came santander stating we owe 12, 000 dollars left on the loan that was imposible since we bought the car for 12, 000 and only had one more year to pay !anyways lots lots lots of nasty calls making us pay every week with western union i guess to catch up on the late payment they said we were behind on. we argued and argued over the payments and how much we stilled owed. Not knowing really what or who we were dealing with, we told them we are no longer sending western union their crazy and the horse they rode in on.Nobody does business like this ...Needless to say they came for the car one morning soon after we stopped playing there games. on one hand we were glad so we did not have to deal with such crazy people, but on the other hand there went 6yrs of payments and a repo on our credit .And whats crazier they picked the car up in march of last year sold it buy april of last year for 6, 000 wrote off the last 6, 000 as a lost all in one month what if we did want to work out the loan?I guess not .Anyways when we try to explain how crazy these people are nobody understands, unless you have to deal with them! CLASS ACTION PLEASE not for the money but for my name back when my credit is checked im not a loser who looks like we cant pay are bills

I use my bank to make the payment through a bill payer system. So far so good and no extra fees. They actuall wanted to charge $11 bucks to send them money using Western Union. On a 4 yr loan that is nearly an extra $500 bucks. I'm using the bank to send the money to their own service and I send it at least a week early. Again, so far, so good.

If you mail in payments, send it certified receipt. If you pay online, they charge for that. If you pay over the phone, they chaerge you for that. Always tell them how you want the payment directed. Prinicpal reduction, etc etc. My brother has a loan with these ###s that was received from CitiFinancial. He finally had to get an attorney, who is making the payments. Even though the attorney is making the payments, the ###s is still showing delingquent. This is a snake-### scam company. I feel sorry for anyone who has a loand with these Spanish ###s.

Oh no not a list of complaints, I'm just starting out with these people! I just got an SUV from a Honda car dealer and my credit is terrible. The dealer found this company, Santander, to agree to the loan. My payment is $343.43 a month and I pay $350 a month. I noticed that they didn't automatically put the extra toward the princable but lowered my next monthly payment. I am paying $90 dollars out of the monthly payment toward the SUV for now, each month. I guess it's true, since I blew my credit after getting laid off, not my fault but still my responsibility to pay, I will have to pay higher payments. I hope to God I do not have a major accident and lose the SUV and still have to make the payments. Until that day, I will pray that this gets paid off and I can look forward to saving up money to buy without credit issues. Good luck to those who are in a bad situation with this company. I hope the best for you and it all turns out well.

File action against with State Attorney General's Office. File a complaint against them with the FTC. Hire a lawyer.