I purchased a Jeep and was financed with Fifth Third Bank. They sold my account to Santander Consumer USA. I canceled my GAP and Warranty to get my payoff lower so I could trade in the Jeep for something more economical. The dealership issued the payment to Fifth Third Bank on 7/1/2011. When I called Fifth Third Bank to ask them if they will forward it to Santander, the banking representative told me there is nothing they can do with the check and neither can Santander because it's payable to the bank. So I called the dealership and they kindly stop paid that check and issued another payable to Santander on 6/16/2011. They mailed it on 6/16/2011 to Santander. It cleared the bank on 6/28/2011. No one can find this payment and it certainly is not posted to my account. Santander keeps asking for a copy of the check front and back before they will even attempt to search for it. The dealership lady tells me to wait until nexct week and she will request a copy of the check front and bank because their employee is trying to close month end and ... she "doesn't want to bother her..." OH my GOD. I only agreed to wait until next week to start the process of getting the check copy front and back because I don't want to make that dealership lady angry with me. Then I may never get what I need to show Santander. Meanwhile Toyota is waiting for the title. This horrible customer service at a 360 degree spin. I guess I should be prepared to get a lawyer.

I sure do miss Citi-Financial Auto. I contacted Santander on 05/06/2011 in an attempt to get a deferment as a result of $5500.00 in vehicle repairs in the last 2 months. Currently may payment is up to date however the next payment is due 05/13/2011. I was told that the company was not approving deferments when the account is up to date. I was advised to wait until 06/01/2011 & call back a make the request @ that time. Should I wait until that date that will be additional interest &/or late fees. I simply can't understand why a company would want you to allow your account to become delinquient before they will provide assistance. The only reason I can find is so they can charge those additional fees.
I've spent hours reading complaint after complaint regarding this company. Heck they may just want to repo my vehicle; who knows.
When I was with Citi-Financial it was a requirement that a payment needed to be made within the last 30 days before applying for an deferment. If I wait until 06/01/2011 then it will have been 48 days since my last payment therefore making me ineligible for an deferment. THIS COMPANY IS THE ABSOLUTE WORSE.

I was recently harassed by the man calling me to collect my past due balance on my car loan. I explained to him that I have had some family issues and that I was unable to pay until the 1st of May. He basically harassed me to the point that I had to hang up. He kept telling me he demanded the payment on the 30th not the 1st and that would not work. I told him my mother was out of town having a surgery and that my husband is in Afghanistan protecting his freedom and why couldn't he give me a break if it was only one day. I am so fuming mad at this point, he didn't ask me to hold he actually told I better hold and he would be back. I couldn't take it any more this man was so rude. I have had understanding representative never treat me like this from this country I was appalled. I need to find an email, phone or some kind of contact as to who I can get a hold of in response to the sever rude and harassing behavior I had encountered tonight. If anyone could get me any other the contact information for the people who can help me and who will listen to how disgusted I am that someone would not listen to me and treat me less than a human being.
- Cay contact [email protected], customer number for Santander Consumer USA, financing and auto loans department.
thanks for reading this

Please be aware this bank has reps who put thru ACH payments without authorization
Unexplained charges and Misc fees what is that

We hsbc as well, my husband was laid off and they put the payments to the back of the note, our note should have been paid off December 2010. Santander took over our notes and the first thing they tell my husband is that he is delinquent. So in June of 2010 they said we owed $3, 000. My husband gave them $1, 500 in three weeks ($500) each week to catch up, we should only owe $ 1, 500.00 right?, So here we are still paying the money to them and they are saying we still owe $1, 800 dollars on the note, we are paying $585 a month every month since we paid the $1, 500 to them so figure out how much, my husband thought we had paid it off. They show up at our house to repo the truck, he calls the company and they inform him that they are charging us over $320 a month in late fees. Yep, $320 a month every month, we have always paid before the due date but are still getting charged. At this rate it will be two years before the note is paid off. It's my husbands fault for not looking at his bill and just going by what the people at Santander say on the phone, he just informed of the problem, because I wouldn't have been nearly as compliant as he was and would have investigated back in June when he made the $1, 500 dollar payment. I am now going to contact the Texas Attorney General Consumer Complaint department to see if they can investigate this company and I suggest any other person who lives in Texas do the same thing. According the the Complaint department the more complaints they have against the Company, the quicker they will start an investigation in the company and their practices.