I WAS LATE 30 DAYS DUE TO FINANCIAL/ MEDICAL ILLNESS. I CALLED CUSTOMER SERVICE, THEY WERE VERY RUDE NOT WILLING TO WORK OUT A PAYMENT ARRANGEMENT OR GET AN EXTENSION ON APPLYING IT TO MY END OF MY CONTRACT. I AM DISAPPOINTED BY THE WAY I WAS TREATED AND I WILL NEVER DO BUSINESS WITH THIS COMPANY EVER AGAIN.

Bought a car in November, and it is time to make my very first payment. Cannot pay using Western Union, prior to due date, because my account number is not in the database. Also tried MoneyGram, same result, invalid account number. Tried multiple MG and WU locations in my city. Called Santander multiple times on that day, spoke with probably 8 different people and a supervisor, and was given several remedies, including trying to use WU with SS number, adding on numbers to the beginning and end of account number...nothing worked, same result, invalid number or number not in database. Now, I have to deposit the money back into my bank account, and since it is a holiday weekend, it will be after the due date before that money is available in my account. I will then have to contact this ridiculous company to draft the payment out of my account, which will be late. They have told me there will not be a late fee, we'll see how that goes. But the problem is, my very first payment will be late, interest will accrue, and the problem is entirely that of Santander. I already dread dealing with this company, and I will be contacting my credit union to see if they will refinance and take over this loan. I fear I am in a bad situation. Oh, and I will refuse to pay a convenience fee for processing my payment from my bank, since I was unable to use WU prior to the due date. Santander says they have no idea why this is happening, they've "never heard of this happening before". I have a feeling they know EXACTLY what is happening here...$$$. You live and learn.

I have had my account with CitiAuto since 2005 for my 2003 Toyota Camry for 2 years I had no problems with anything but then Citi Auto changed their payment processing and there system which in turn caused them not to draft from my checking account for 3 months. Citi Auto and I caught the problem and Citi waived 2 payments and I paid the 3rd and switched to another bank for my auto payment all went well for another 2 yrs until just today 12/15/2010. Today my wife calls me at work and ask who Santander is and why would they send a questionaire about there service and she called them and they told her they bought our Citi account in September and we had not made our payment since 9/26/10 and I called and check our account and it they were right that it had not come out. Well my problem with this is I was never notified of my account being sold, never being notified that my payments would stop, and its a week before Christmas and the money I thought was being AUTOMATICALLY taken out was in fact not being taken out. To make matter worse I called Customer Service to see what could be done and was told "To be an Adult and Pay My Bills" and I asked where is the courtesy call or courtesy Certified Mail that my AUTOMATIC Payments would stop and was told "There Not In The Business of Courtesy they are here to Make People Like Me Pay Their Bills". I work in Banking and this was quite frankly the absolute WORST Experience with A Company a so-called Customer Service and just overall lack of respect for people when the company themselves are the ones who did not notified in any way of what was happening. The customer service that was telling me I have a responsibility to contact and update information asked me my address and had my address from a year ago on file I gave her tonight 8:36pm EST on 12/15/10 my address for where I have lived since February of 2010 and told her Citi Auto sent me receipt each month and then went on to tell me I was lying since I used to get receipts from Citi I should have noticed something and contacted them but would not let me finish to tell her I just assumed it was either PAID OFF or simply another change in processing. I thought the money was in the account but my assumed that it was already taken out and has used most of the money for either Christmas or other bills. I told Customer Service that I would let them put in on the back of the loan but I do not have the money to pay for Their Mistake, I do NOW however realize never to ASSUME that Automatic Payment arent automatic and Banks Errors cost me and the worst time...

My car loan was sold from Citi Financial Auto to SanTander in September of 2010. My last payment was suppose to be December 24th of 2010 and now they are saying that I owe over $9, 000 in fees. What am I suppose to do? This vehicle has over 185, 000 miles on it. What the heck are they charging me for, I only paid 18, 000 for the car?????

My auto loan was sold by CitiFinancial Auto to Santander Consumer USA. I knew right away this was a company I did not want to deal with. I had auto payments set up with CitiFinancial Auto so I didn't give my payments much of a thought. I started getting late notices that my payment was late. I contacted CitiFinancial Auto and was informed at that time that the loans were sold. I had to do a look up online on the phone number that was calling my home because when I pressed 1 to speak to someone it would hang up on me. When I listened for the company name it was said so quickly and with an accent that I couldn't understand the name or figure out how to spell it to look them up.

Finally I got a hold of the company and the VERY RUDE customer service rep told me that they sent out notification to those customers that were overdue first and the other customers would be notified of the switch the next week. After their payments were due as with mine, I'm sure. She also informed me that not only was I past due but I would be charged a late fee. I said I wouldn't pay it because I wasn't late - they were late with my notification. She said they notified everyone at the same time. Well, surely they didn't find out they were acquiring the loans the day they got them. They had plenty of time for notification - they just wanted to wait until they could collect on the late fees!

I told them to remove us from automatic withdraw and we would pay the bill manually or we would refinance. I was seriously considering staying with them because we had less than a year left to pay the loan. While I was deciding I tried contacting them for information on the account. The customer service rep, again, was very rude and I finally told her we decided to refinance and I needed the payoff amount. She didn't say anything, just hung up on me! So I called back and got the payoff amount through the system. Once I did, I called a very steady and reliable bank that will not resell my loan to refinance. I got approved, less interest and only $300 more over year period, I was pleased to take that loan and leave Santander behind. I signed the papers and the check was sent to pay off the loan.

The day Santander received the pay off for the loan they withdrew my payment from my account after I told them DO NOT withdraw anything. When I contacted them regarding the unauthorized and ILLEGAL withdraw they said it would be 45 days before the account would be refunded. I was upset but what could I do? I waited the 45 days. I never got the check so I started calling again, only to be directed to a voicemail box that says it is no longer used. I called other departments just to get in touch with individuals that could possibly help. I've been yelled at (one time so loudly I held the phone from my ear and someone across the room heard), hung up on, called names and flat out lied to. The customer service at this company is a joke. To call this place a company is an even bigger joke! It's nothing but a collection of thieves!

I decided I was going to fax them and e-mail every person I could find on their payroll every day until I got my refund. I thought it worked. I got a check back on December 6th! It was cut on December 1st, exactly 45 BUSINESS DAYS from the close of the account. I was so happy my ordeal was over! I deposited the check and headed out to do some Christmas shopping I thought I'd have to forgo. I should have forgone it. I received notification today that the check was being returned due to NSF on the account it was written on. Seriously?!

After contacting JENNIFER at Santander Consumer USA (214.722.4506) I was told that they would issue me another check if I faxed them my bank statement (which will take about 10 days because I only get a statement once a month). They will send the check UPS MINUS FEES. Umm, I read somewhere in the complaints that they charged OUTRAGEOUS fees so no thanks. I'm not going through my bank to see if there can be anything done about the ILLEGAL and UNAUTHORIZED ACH on my account. I just hope it's not too late. Of course they did issue a check so they might try to say they did refund the money... but I also informed my bank that the check is being RETURNED. They actually owe me about $23 more than the ACH charge but they can keep the $23 if they just give me back the bulk of my money!!

The funniest thing about today though? The person that helped me at my bank said his loan (for the same kind of vehicle I have) was sold to Santander as well. He was lucky... he hasn't had any problems. I just hope he stays lucky! I have no clue how this company stays in business!!