I GOT A CAR LOAN FROM THEM. ALWAYS PAID ON TIME. ALMOST PAID OFF IN LESS THEN A YEAR, TOOK THE LOAN FOR THREE YEARS. EVERY TIME I MAKE A PAYMENT, I USUALLY PAY 1,000 OR MORE ON THE PRINCIPAL TO GET IT PAID OFF. I HAVE TO CALL IN EVERY TIME TO LET THEM KNOW HOW MUCH IM PUTTING ON THE PRINCIPAL AND HAVE DONE THIS SINCE I TOOK THE LOAN IN APRIL.......... I OFFERED TO SEND SEPARATE CHECKS ONE FOR PAYMENT AND ONE FOR PRINCIPAL AND WAS TOLD THEY DONT DO IT THAT WAY........... THAT I HAVE TO CALL IN EVERY TIME AND LET THEM KNOW HOW MUCH TO PUT ON THE PRINCIPAL. I THOUGHT THIS TO BE RIDICULOUS , BUT I DID WHAT WAS REQUESTED ME TO DO. ALL OF A SUDDEN IN JANUARY MY ACCOUNT HAS GONE DELIQUENT AND IT IS NOW MARCH AND I JUST GOT A LETTER TELLING ME THIS AT THE END OF FEBRUARY. I PAID 2,533.52 IN JANUARY AND CALLED THEM AND TOLD THEM TO PUT 2,000.00 ON THE PRINCIPAL AND 533.52 IS MY PAYMENT. THEN IN FEBRUARY I PAID 533.52 PAYMENT . SO NOW THEY SAY I AM DELIQUENT ????? BECAUSE THEY PUT THE WHOLE 2,533.52 ON THE PRINCIPAL AFTER I CALLED AND TOLD THEM TO PUT 2,000.00 ON THE PRINCIPAL. I HAVE CALLED 15 TIMES ONLY TO GET A RUNAROUND AND NOW IM TOLD I NEED TO SEND 2 CHECKS AFTER I SUGGESTED THAT MONTHS AGO AND WAS TOLD NOT TO.......... I HAVE BEEN TREATED RUDELY ON THE PHONE AND THERE IS NOTHING I CAN DO ABOUT IT ??? I GUESS THIS IS THEIR WAY OF GETTING BACK THE MONEY THEY LOST BY ME PAYING IT OFF SOONER. THIS HAS BEEN A NIGHTMARE AND I AM WARNING EVERYONE I CAN, STAY AWAY FROM SANTANDER LOANS............. AS I HAVE TALKED TO SOME FRIENDS AND FAMILY I AM FINDING OUT THAT A FEW OF THEM HAVE HAD TERRIBLE DEALINGS WITH SANTANDER........... I HAVE MY BANK STATEMENTS PROVING I HAVE PAID LIKE THIS ALL ALONG (ALMOST A YEAR) AND THEY PUT THE PRICIPAL WHERE I ASKED WHEN I CALLED IN , AND NOW ALL OF A SUDDEN THEY TELL ME THEY CANT AND NEVER DID SPLIT PAYMENTS...............

This morning I called Santander to make a $195 payment on my car loan. I gave the representative my card information but was told that it was declined. I told her that was impossible because I had just checked the balance and there were sufficient funds to cover the transaction. I verified the card information with her and she tried to process the payment again. She told me again that the card had been declined. I told her I would call back with another card later on in the day. During my lunch break I called back with a different card and a male representative took my card and I was told it had been approved and processed. When I went to the ATM with the card that had been denied earlier in the day, I realized that the $205.95 transaction that had been 'declined' by Santander was PENDING TO CLEAR my account!!! When I called Santander the rep told me that they had no record of that card in their system and there was nothing they could do. I asked to speak with a manager who was no more helpful, I asked him to send me a letter stating that they did not charge anything to the declined card and he said it was impossible because they cant send me something on a card that they dont have record of in their system. I told him that he has fingers, he could just TYPE a letter confirming that they didnt try to charge the card. He refused. I told him I could send him a copy of my account history showing it posting, he nonchalantly said that I could do that, but that they would 'get to it' tomorrow after today's end of day had been run. I dont know if he thinks people have money just lying around but because of their incompetant customer service staff, my other bills are not going to get paid. I called direct express (the card that was charged without authorization) and they said I have to fill out a dispute form which will take 7-10 days to get to me in the mail and then there is a review process (more time). Seriously??????????? I WANT MY MONEY BACK.

The representitives from this company did nothing but harrass me I was in the hospital after giving birth and was late on my payment the reps called every day and did not care about the situation. Many times we paid the bill and it was late posting and I would still get calls saying we needed to pay the bill. A couple of months ago I sent in my car payment to the address on their return slip and the rep told me it was the wrong address needless to say it was late and I had to defer a payment.

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.

Santander Consumer USA Charged My Bank Account Twice And Rendered My Accounts To A Negative Status. I have Been Calling Them For Days To The Same Answer That They Are Working To Correct The Issue. Mean While I been Negative In My Accounts For 5 Days And Still Have To Wait For Them To Wire All My Monies Back To Me. So To End The Crying Here, Santander Sucks As A Business And Does Not Want To Respond With Integrity To Their Customer Cause They Do Not Care About Any Harm Done. I Hope Someday The Law Changes To Punish This Businesses For Their Wrong Doing.