Drive Financial - Santander Consumer USA Inc Been making extra payments and they are'nt showing on my account now I'm getting harassing phone calls Dallas Texas

     When I wasn't seeing the extra money I included in my payments, with the previous amounts paid, on my statement I called Drive Financial/Santander. They told me that the extra money is "set aside"? and used or accumulated to pay for late fees or late payments etc...since I was never late or behind in payments I thought that it was wrong of them, but, not knowing what else to do I just stopped including extra money in my payments. 
     My understanding of loans or credit is the more you send the sooner things get paid off the less interest you pay...apparently this company or this loan is set up to get the most that they can get. It sure doesn't seem right.

I may try to get refinanced somewhere else...
Debbie
Las Vegas, Nv

Get all your ducks in a row because if you are going to accuse anyone of anything proof/substance wins out over B.S. I will give you the name and phone number to call in the hope that it helps but first open up an online account at drivefinancial.com, because it should show how your payments were posted, if it doesn't then they are in trouble. Get all the copies of your checks, front and back, since the back will give you the day it was presented for payment and see if it jives with the posted payments and figure out why they added interest to your account, since the account was opened and mark the checks that are not showing. Then make a list of all phone calls, dates, times, and the person with whom you spoke and what number you called. If it was toll free they have a record of incoming calls or if not you should have a record of long distance calls made. From my perspective a list of calls made long distance are better versus relying on someone else's data because they can plead ignorance. Remember no one put a gun to your head to buy the vehicle they are financing so the problem is one you created and automatic debit is the only way to go. I use Microsoft Money for checking accounts and always post the ACH's months ahead so I know I have to fund that account because when I open MM it always shows red. Remembering when to mail payments sucks, without assistance, when you get to be my age, especially when USPS doesn't deliver statements, it happens even locally. I have ACH with my lender and always get monthly statements, it's the law.

Once you have all you ducks in a row and can carry on a politically correct conversation dial 1-214-237-3615. That's the number for Eldridge A. Burns Jr., legal counsel at Drive Financial. DO NOT leave a message and if someone else answers, say I'll call back at a more convenient time. Block your number if you can. The address is 8585 N. Stemmons Freeway, Suite 1100N, Dallas, TX 75247. Always use either FedEx, 2nd Day, to a physical address or USPS Priority Mail, plus delivery confirmation, to a P.O. Box. No green card. Visit the TX A.G. http://www.oag.state.tx.us/consumer/complain.shtml and download the complaint form, here in NC the A.G. office seems brain dead so cross your fingers, then click on the link to the Texas Department of Licensing & Regulation, on the right towards the bottom, to file a complaint. The FTC is useless. If you can upload copies of your checks, if Drive failed to post but cashed checks and please use spell checker or write your complaint ahead of time before filing online. Remember type all labels. Creditors post the principle before the interest, unless you are late and no one should be if they use ACH. FYI, Drive sells off their deficiency balances because their collection department is incompetent, just remember that when they call and harass. Doing things the cheapest way doesn't always protect you. Then learn how to clean up and increase your credit score, at creditboards.com, they are knowledgeable, or you will always be dealing with predators because life is too short for their B.S., so you are not at the mercy of dealerships nor others to give you a good deal.

P.S. Filing a class action lawsuit takes years and the only one who benefits is the lawyer, so become responsible and clean up your credit scores because you are the only one that will help you, it's hardly ever anyone else, because it will save you tens of thousands of dollars in your lifetime. It's work but worth it, and put upwards of 10% of the interest you saved into a Roth IRA. That's how you get even and it's not playing mind games with useless people, because they can screw your credit and no one will give a flying.