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.

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.

We paid off our car loan in full and received the title for same. Not 2 weeks go by and Santander starts to constantly call trying to tell us about their other services, etc. Told them on the phone and through an email that we weren't interested and to stop calling. The calls continue to come daily and I'm about ready to lose it! I just contacted my state do not call registry as we are on the do not call list and I have filed a complaint. I don't know what else to do at this point. This company is like a nightmare!! I have paid off vehicles in the past and have NEVER received any calls from any other loan company . . .Santander thrives on harrassment apparently. Next step is to change my phone number!

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.

This company bought out GEMB Lending and is now charging a fee of $10 to make a fee via internet and phone.
They told me I can send a check to them and they wont charge the $10 fee.
Then if your even 1 day late on the payment they call you and your work at least 3-5 times a day.
This is a horrible company. I wish I would have known way ahead of time that they were buying out GEMB so I could have switch companies on my own.