Santander Consumer USA review: get real 93

Who should we blame for your horrible spelling turdbucket?

Aren't you at all embarrassed that you have the spelling and grammar of a 3rd-grader? You really should go back to school before trying to communicate with the grown-ups, okay? You work at that sleazy job of yours because you can't get a job working anywhere else. Have you ever heard of spell-check?

Johnsantander you must be one of those lowlife bottomfeeding trsah employees who fraudulently and knowingly scam people. I pay cash for my cars, ###face. I do know people who are unfortunate enough to be lied to by that [censored]hole fraud of a company.

And the word is l-o-s-e-r, you ###ing illiterate lowlife.

Angry rant, Brenda? You are being too kind to him, my friend. He speaks to his entire industry of bottom-feeder lenders and collectors. I think his mommy and daddy really should watch what he does online, maybe even ground him from the computer. (come on Mom & Dad, parental controls please!) Here's the facts, Johnny Boy: If you haven't been living in a cave the last few years, you would know that there are a lot of good people, businesses and nations with bad credit right now. As for me, I have spent the last five years of my life studying micro and macroeconomics, finance and everything related to global business. That alone gives me at the very least a qualified perspective and the right to tell you and everyone else here what a complete loser YOU are. You are right about one thing though, you said, ". 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..." (Johnny Boy, 2011).

By practical standards, Santander IS a sub-prime lender and their interest rates amount to predatory lending...just on the legal side of the cloudy grey line. Santander is aggressively selling these loans because squeezing blood out of turnips is integral to their core business model: to take advantage of desperate consumers. And then of course, Santander has a workforce of grammar school dropouts just like the individual we're dealing with here.

Can Santander call you on Sunday's? Also, can they speak to anyone else other than the consumer who signed the contract about the payment arrangements that have been made? And, can they run credit checks however often they wish? Couldn't agree more with the comments made about these unprofessional, rude ###!

I'm gonna follow this douchbag around on this board. To insult people is ridiculous. And just like I posted on another string, here it is again...
Wow, JohnSantander, I'm guessing by your last name you are affiliated with them. Doesn't surprise me by the use of the word "losers", which, might I point out you misspelled along with several other words, yea, I'm almost positive you work there. I like how you referred to Santander's "rates" as "rats", I'm sure unintentional, however, quite appropriate. I absolutely did not, on any level choose Santander as my lender, like many other people on this forum. I have never signed any sort of contract with Santander and nor would I have had I seen paperwork regarding any sort of daily compounding interest rates, that is absurd. I was a solid CitiFinancial customer for years when my loan was sold to Santander. My invoices come saying my account is "past due", how is that possible when the monthly statement arrives BEFORE the due date and all previous payments were EARLY or on time. When you call the number, there isn't even an option of getting a person on the phone. I spoke to one person about my mysterious fees and received one explanation and then spoke to another person about those same mysterious fees and received another explanation. It's a tangled web of phone numbers and poorly trained CSR's. To make a payment online, Santander charges a $10 fee, in this day and age where I can scan a check with my cell phone to be deposited into my bank account immediately, a $10 fee for an online payment is absolutely ridiculous. Your comments are very bold, obtuse and judgmental. People have problems and a lot of time it is no fault of their own. Perhaps, if Santander did offer a grace period rather than taking on fee after fee after fee, those very subprime borrowers that have bad credit would be able to turn their lives around, make right with the loan and everyone is happy. Santander is the most ridiculous finance company I have ever encountered and I've been in finance for twenty years, I've also run financed based call centers. Santander needs to start from the ground up, retrain the CSR's and regroup. Perhaps when the bulk purchased the CitiFinancial customers, a courtesy call could have been made or a welcome packet sent, start out with your new customers on the right foot, rather than sending them a bill that makes no sense. Get off your high horse and come back to reality. The FACTS are that the complaint boards are RIDDLED with posts about Santander, 1000's of people can't be wrong, especially those with outstanding payment history like myself.

Paidontime, he's not worth anymore of anyone's time. His real name probably isn't even Santander; he probably works in their collections department. He's just a kid that tried to carry on a grownup conversation and tried to stick up for his company like every good boy should. But this time he bit off more than he could chew. I haven't heard from him since (maybe Mommy and Daddy took away his internet :D

I agree with you lielrnr, he's on another message board as well as JohnSmith...posted the same exact paragraph, riddled with errors etc...he's not worth my time. I'm absolutely shocked at the amount of Santander complaints...absolutely shocked.

Hi Paidontime. Santander is part of a larger problem in America's financial services industry. It reminds me of mortgage brokers before the mortgage meltdown who loaned money to anyone who had a pulse. But when the interest rates reset, people could no longer afford their mortgages and lost their homes as a result. So here we are today living in an America whose credit was downgraded again yesterday by Standard & Poors.

It makes sense to me that companies Like Santander have collections departments full of clowns like JohnSantander. People with any sense of ethics would look for work elsewhere. JohnSantander probably doesn't know the definition of 'ethics'...and probably can't spell it, either :D

The truth is if everyone would just look up "Consumer Law Attorney, " in your location, in an on-line search and CALL THEM (get an attorney to tell you if you have a case or not) instead of complaining on here. (I'm not saying that it is a waste of time.) But get the right person to hear you instead of this person.
Ford is the one who "hooked" me up with Santander and it was only because they wouldn't listen to my bank (which the very next week re-financed the vehicle to get it away from Santander).
Well, the long and short of it is...Santander's practices are illegal! They have broken just about every Consumer Law there is and the attorney will get paid out of the lawsuit I have against them. No money out of my pocket. So if you think that you can not afford an attorney - change the way you think, one is out there for you.
I have kept record of every conversation and phone call with Santander (my bank recorded it while we were on 3-way phone calls.) They do not have a leg to stand on! So if this is the little bit of "grunt" that someone needs to think they can do to same then here is your grunt. My vehicle was paid off (cleared check) and the website shows it having a $0 balance, I received the title and release of lien letter in the mail, and I'm still receiving letters demanding payment.
Time is running out for Santander, they have 2 weeks to settle out of court. Don't take what they are dishing out, call a Consumer Attorney today.

Not one person who would defend a boytomfeeding company so much would have any other interest than in working for them. How would you know so much about the company practices, [censored]? So how many customers did you lie to yesterday, [censored]bag? Funny how it works when people call you degenerates you seem to have a solution to the customers problem and lo and behold the customer calls again and there is no record of that conversation...hmmmm By your own definition, if you make more than the 95% of the customers of Santander, you are a LOSER as you claim.

'John Santander' (give me a break), I think I'll send this entire post to your boss's bosses at the top so they can see what a fine employee you are and the kind of image you are projecting for the company. They'll take great comfort in knowing that you are hot on the case is their defense. I just know they are going to thank you for all of this, maybe even make you employee of the year! :D (Don't thank me...this is going to be a pleasure!)

John Santander, (give me a break), I think I'll send this entire post to your boss's bosses at the top so they can see what a fine employee you are and the kind of image you are projecting for the company. They'll take great comfort in knowing that you are hot on the case in their defense. I just know they are going to thank you for all of this, maybe even make you employee of the year! :D (Don't thank me...this is going to be a pleasure!)

JDH, he cannot justify the company (not to mention his sleazy, pathetic existence).

I can tell by your horrible grammar that you are probably and employee! I can never get anyone that can speak proper English, and when they do speak English, they use terms like "Yall" and "this done been paid!" and more horrible excuses for communication as such. The fair credit reporting act also states that consumers should not be treated differently because of poor credit, and any company that chooses to do business like this is in federal violation. Being a paralegal, and a having my BA in Business Management entitles me to these opinions. Thank "yall" and have a GUDE DAI MI FREND

I'm not even sure what happened. One minute I qualified for any vehicle on the lot...but would have a higher interest rate. Loan officer advised me to refinance 6 months later which I did that lowered my rate by 7%. Then this company bought my loan from CitiFinancial. Never been late on a payment, sometimes apply more than my monthly amount due, yet still I'm being taken advantage of. We are not idiots. We are honest consumers who should be able to trust our fellow Americans. I know that is a stretch but this person replying back acts as though he has never had a hardship or would never have the heart to understand someone going through a hard time, be it the economy, death in the family, whatever. Yes the economy has been crap for awhile now but I guarantee this jokester doesn't make crap of a salary. If he did, he would think long and hard to know what it would be like to go from making $65K to looking for a job that won't only not meet that, but merely half that. I'm not sure what to do other than hire an attorney, which has shown successful in many instances I have read about. Just know this. Madoff didn't get away with it...and neither will Santander.

Sr. Paralegal, you nailed it in just a few sentences. He's stuck on stupid, for sure, lol. Hilarious too, is he not?

Johnny Boy is starting to bore me. I think I'll say goodbye to all. I hope the little ### loses his job because Santander got shut down. So long ya little panty waste

No, wrong again assclown. Santander has the same demeanor as you. They think everyone who has an account with them are lowlifes and deserve to be disrepected. Santander is out to squeeze as much money as they can, ethical or not. That is the facts and you CANNOT dispute that. Like I said, if you do NOT have a vested in Santander, why the mother ### would you care? Santander is the ONLY complaint board you troll. Loser!

If you don't think Santander is a scam then why do they not allow you to log on to their website to view YOUR own information? Lol! 8 months going and still cannot view my account. It takes their IT 2 days just to email you a temporary password...which never works. If you want to try to click on "forgot username" you have to answer a security question that's not even viewable. What a joke. I too have called customer service and asked for a copy of my original loan documents and was hung up on...TWICE...by 2 different CSR's. Called Citifinancial and they assured me Santander is "supposed" to have the documents. And don't ever let them tell you to call back on your due date to defer a payment...that's a scam too. You call on your due date, they tell you the company doesn't allow deferments, and now your stuck with a late fee. Wow.

You ### sucker why don't you learn how to spell. We have a right to speak our minds about this crappy company and who are you to judge anyone about bills. I did contact them if i had a problem and was going to be late and got some [censored] half way across the globe who couldn't even speak english. You dickwad go harrass someone, you credit collecting ###. I bet you don't even pay your bills.

johnsantander: "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)"
You have no idea what you are talking about. My credit is good. I was originally financed with Capital One and then refinanced through Citi b/c I researched interest rates and found I could get mine lowered. WE DID NOT choose Santander...and we DID NOT become Santander customers b/c of bad credit. LOL! I feel embarrassed for you as you speak of what you do not know. As a Citifinancial customer, they did away with their auto financing all together, and this untrustworthy, unwilling to provide excellent or even good customer service, God awful company now holds our possessions and credit in their hands.

This site is for customer complaints. @Johnsantander-Why are you on here? Lol!

I think we are just confused. If you are not a customer, not an employee, or any representation of the company...then why are you on here? I am not a "dumb ###" or an "###"...I comprehend very well, have had my job in the medical field for over 12 years, have a degree in healthcare admin, and a gorgeous, confident young woman. But, thank you for once again for showing your maturity level.

Oh well sorry for the "maturity level" remark. I have the same frustration as you and try not to stoop to this guys level. I finally got a CSR to "say" they are mailing my original Citifinancial documents last night. We shall see...

For some reason I thought this would be a COMPLAINT...due to the fact that this is a complaints board, hense complaintsboard.com.

That's one of the problem with that bag of ### company YOU WORK FOR. People don't get there title because that scam of a finance company lies to people how much they owe and lies about Santander not receiving payments, timely. Years ago they could have been shut down, you say. They didnt really enter the financial market in the US until last year, ###. The cases are building against this rathole and soon there will be some court action taht weill take this mother ###er and you down about 10 notches and hoperfully in prison. Thsi cesspool needs to go back to Spain where it belongs, maricon.

Cases are building turdboy. AG of the states have to build cases against [censored]bag companies like yours. They can't just take a few complaints. It takes many, and trust me, [censored], they have them. Santander USA wasn't major [censored] company until they got Citifinancial. DO you notice the common theme with Citifinancial to Santander. Most said how great Citifnancial was and how they were great to deal with. Not so with Santander. Santander shows the same lever of the lack of respect you do for it's customers. ### you Johnny[censored] and that [censored]hole garbage you work for.

Having my degree in the medical field, I would love to be the one with your medical accounts in my hands and make as many mistakes handling it as Santander does with our auto loans! Probably wouldn't be quite as amusing to you then. Of course I would never do that because I work for a very well respected, reputable company in which our customers are #1.

And for further reference:
"In 2009, Santander entered the US retail banking market with the acquisition of Sovereign, which has 722 branches in the north east of America." --Taken from Santander.com

October of 2009...we stand corrected...1 1/2 years. Lol! You are so funny! I will sit as high up and as proud of my FOUR year degree in healthcare administration as I want. He maybe if you ever end up in prison in Oklahoma I WILL be handling your accounts...LOL! I don't think a community college gets you to the top of a company working for the state of Oklahoma employees, Department of Correction, and Department of Rehabilitation. But I do appreciate the chuckles you give me in reading your posts!

JohnSantander, what are your credentials? You eluded to everyone here in your last post that you had a degree. Where did you graduate? What was your thesis? Where is YOUR curriculum vitae; is it posted anywhere? How many honor societies are you a member of and which ones are they? I don't care where you went to school if you at least exhibit college-level communication skills. But when you judge others because they went to UoP or a community college, you should at least reflect a post-HS communications skill set. I don't know how else to say this, but I think that you are a little bit out of your league here. Though I must admit, the adolescence in me tends to come out when I run into people like you who have nothing better to do than demean others.

With all due respect here... not everyone acted irresponsibly to get poor credit. My husband was a door mat for years; his ex wife set him up for credit failure, kids, then his family gouged him, he opened his door to everyone; some stealing and some he just gave to. He gives to everyone and doesn't ask in return. The past few years he now needed credit and Santander was there to help get him back on track. Then a job opening the past year got him into a good position where the company helped him get even a better handle on finances and now his credit is cleared. Santander was a part of the solution - although I have to admit they are a bit behind on technology and services - they are willing to take a hit - yes, at a higher cost, but a hit none-the-less to help people get out of their pits. After a couple of years with Santander he was able to refinance with another financial institution at just a fraction of the cost. Perhaps refinance with someone else is the answer for some of you?...

My two cents...
:)
~V

Could this be that ratbastard Johnnyboy calling. Nobody esle would know they hired Citi employees unless they actuallly work in that [censored]hole.
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My wife pays our bills. Santander calls her making threats, talking down, and generally harrassing her like she's a piece of trash I called customer service about one such call and was told the person would never call her again. Well, that lasted a month as he called today while she was at work and started again. She's got a 3 year payment history and cause she won't do an over he phone payment this person tries to get her to say she's never going to pay. She's had this loan for 3 years. This isnt the first six months. Santander took over our loan from Citi I believe. They changed the date by 13 days. She still pays before 30 days so it's never techinically late but she pays when she had it set up with the other financing company.
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Another satisfied Santander customer, perhaps?

I just find it funny that you think every person that has a loan bought by Santander is an uneducated, irresponsible loser. Just letting you know that even intellectual professionals are customers of this lousy ran company. I don't judge people based on their level of education, amount of money they have, or how stable/unstable their life may be. We are all humans and "most" of us have an understanding heart and we are just here to help one another. It helps to talk to other people experiencing the same problems and maybe gives people a sense that they aren't alone in this. All I see you addressing is people not paying their bills. Guess what, the majority of us do. Can you address anything else people are having issues with regarding this company...i.e. customer service rudeness, not allowing/helping customers even get onto their website, hanging up on customers when they ask for their original loan documents, telling customers to call on their due date for a deferment and then on that date tell them the company doesn't allow deferments, etc. I could go on and on. I have not had as bad of experiences as others on this board but I do feel their pain b/c I've experienced the worst customer service I have ever encountered in my life. Since you know so much, where is their IT department located...Bosnia?

Yeah you just Google Santander and the drop down bar gives you nothing but negative options to click on! I've tried a few just to see what others are experiencing. Wow. And over 2, 000 BBB complaints.

Plus, they are rated F by the BBB. That's change you can believe in.

There is nobody decent at Santander. Look at Johnnyboy. He knows all these details and still claims to not work for them. This ### of a company was involved in the Bernie Madoff scam. The illegal and unethical practices at Santander USA is Santanders way of punishing America. All of the executives should be in chains.

Refinance with another company so you can have your loan paid off, still owe money, and then have your car repo'd. Lol! IDK this is what I'm seeing is happening from a lot of victims of Satan der.