• Report: #797679

Complaint Review: SANTANDER

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  • Submitted: Sun, November 13, 2011
  • Updated: Thu, September 20, 2012

  • Reported By: onthegojackson — HILLSIDE New Jersey United States of America
SANTANDER
Internet United States of America

SANTANDER DRIVE FINANCIAL LIAR-RIP OFF-THIEVES, Internet

*Consumer Comment: Feel like I have been ripped off by this bank

*Consumer Comment: The Office of the Presidents?

*Author of original report: STILL FIGHTING

*Consumer Comment: Hmmmm!

*Author of original report: UDATE

*Consumer Comment: More Pure BS!

*Consumer Comment: More Pure BS!

*Consumer Comment: FOR YOUR FYI

*Consumer Comment: So

*Consumer Comment: Pure BS!!!

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For those who have had there loans bought out by Santander consumers beware.  I believe this company is a predatory lender.   Back in Sept 2011 i have paid the full amount on my 2000 Chrysler 300M.  Once i made the 60th payment i had gotten an attorney because santander claimed that i still them money which i really don't.  It has been on going fight with them since 2010 when i notice my account was not right.  These people harassed me when i made payment arrangements. They disrespected my family when we had loss our mom in July this year. 

This company had stress me out so bad i have not been feeling well at all.  It took them almost whole year since to finally someone submitted my complaint about my loan to Office of Presidents.  Once it was submitted my Lawyer contacted the company and sent in all the information they needed and since this was a legal matter. This sneaky company came and repo my car. So when my attorney contacted them about taking the car the person who he spoke claimed they did not have none of his information in the system so the person tells him if he is my attorney they want to him to fax the information. 

Once they received then all of sudden now they wanted to pass him off to another dept.  So now im am carless because of these idiots but they also are being investigated by the banking comission as well.  One way or another i will have victory on what they have done.  If your contract you intrest fees included with your loan u have taken out becareful and look at your account the way they deducting your money is incorrect.  what they do is the deduct from the purchase price of your car without your intrest this how they are robbing people.

Also question your payment terms with them.  I have a 60 payment terms and they had it for 70pymt term which is incorrect.  I strongly suggest you file a complaint with better business bureau and the banking commission so this company can be investigated. 

If any does do a Class Action Lawsuit im in.


This report was posted on Ripoff Report on 11/13/2011 08:28 PM and is a permanent record located here: http://www.ripoffreport.com/r/SANTANDER/internet/SANTANDER-DRIVE-FINANCIAL-LIAR-RIP-OFF-THIEVES-Internet-797679. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 8Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Feel like I have been ripped off by this bank

AUTHOR: gq1013 - ()

 My car was bought for approximately $25K. I admit I made late payments due to being laid off a few times.  I have paid over $30K on this car and still owe $20k.  My car is now out of warranty and I have been paying to get this car fixed in order for me to get back and forth to work.  Late last year, I went to the dealer to try to trade my car and the sales man called Santander to try and negotiate a lesser pay-off and they flat out told him they were not going to negotiate the balance. Next thing I know, all the late payments I had made were reported to the credit agency all at once.  When I called them to see why I still owed so much and already paid $30k, they told me it was interest and late fees.  I also tried to talk to them about the troubles I was having with my car to see if they would be able to work with me and they said there was nothing they could do.  They sugguested me volunteering to give my car back after I paid them all this money.  I feel like they have ripped me off.  If anything, I should owe them a year but at $511 a month, it will take another 4 years to pay the car off.

I was looking on the web to see if there are an open class action lawsuit but I cannot find anything.  If anyone knows of one, please let me know.  I am so fed up with this bank.  I get at least 10 calls a day from them. 

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#2 Consumer Comment

The Office of the Presidents?

AUTHOR: Jim - (USA)

You keep mentioning this "Office of the Presidents". How many presidents do they have? Do you mean the UN or are we talking about NATO here?
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#3 Author of original report

STILL FIGHTING

AUTHOR: onthegojackson - (USA)

since the last time i been on here.  i made my 60 pymt in sept 2011.  i found an attorney to help me resolve the issue with the billing practices with santander.  when santander expected me to make more payments to them i had stated that i was no long making anymore payments to them and they would have to contact my attorney.  As per conversation with santander customer service rep the had the nerve to question me about why i get an attorney and i stated you guys are trying to rip me off and im not paying you guys and extra 5k i have paid you what was owed by the contract that i signed for the loan.  so the rep get angry and stated tells me so what if you have attorney we don't care who i go to they will get there money one way or another, the rep refused to take my attorney information.  a few days later another customer service rep called and i explained to her the same thing so she stated that my contract for my loan was 70 loan payments and i told her that according to my contract i only have 60pymts for this loan.  so she decide to send a message to the office of presidents so i can speak to someone about my payments and to have them contact my attorney.  once spoken to my attorney everything is was place on file and the where sending him information my account.  2 months later i was on my way out to go to work to find out my car was gone.  when i called the police they had stated that santander had my car reposessed.  when i called santander i told them how are going to take a car which was listed as a legal matter.  they had the nerve to tell me they can do what they want.  so i contacted my attorney and told him what happen.  santander had nerve to tell him that they did not have him on file as my attorney and the rep got nasty with him and tells him to send proof.  so when he sent the letter they sent to him about him representing me they lady did not have nothing to say.  once demanding the car to be returned to me. we never got a response back from them.  so instead of waiting to get the issue with my account resolved they auction my car a few weeks later and sending a letter demanding a pymt after the auction.  now i am working on the next step to resolving this issue.  its been a task of getting all the documents together.  i just want these idiots to be finally to be investigated for stilling people cars which are paid in full and ripping people off telling them they still owe money
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#4 Consumer Comment

Hmmmm!

AUTHOR: voiceofreason - (United States of America)

A key point overlooked by everyone here in the OPs original post. She made 60 payments on what she assumed all along was a 60 month loan.
Santander claims it was a 70 (probably 72) month loan.

We've seen other reports here where car buyers expected the dealer was contracting them for 60 months and later found out the dealer snuck in a 72 month loan.

According to Karl, in one of the few rebuttals where I feel he was dead on target, sometimes the loan isn't even a loan, but a lease, and the buyer never knows its such until the last lease payment is made.

Methinks this OP was in a 72 monther believing all along, because she probably didn't read her contract before signing, that it was 60.

The OPs command of written English is obviously challenged, and was probably taken advantage of at point of sale.

Sorry to say, the OP is probably crap out of luck unless the dealer did what Karl has suggested elsewhere and gave her papers indicating 60 months, while putting in forged papers for 72 to the lender. That's the first thing her lawyer ought to rule out.
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#5 Author of original report

UDATE

AUTHOR: onthegojackson - (United States of America)

First off  Jim if you can read my loan has been paid up according to my contract.  You got a lot of nerve to disrespecting any body you don't now what may happen to that person financially.    Since i made my last post,  Yes i did get an attorney and yes if have i get enough people for a class action lawsuit against Santander he is able to do a class action lawsuit.  You must work them for you try to sound off and i am not on welfare you must be one those people who is spoiled evil people who must be finacially set.  I have seen on this website people who has problems with this company whether if the paid on time or fell behind because financial issues they still have problem with them with there billing.  So as of this date yes i have filed my case with my attorney. 
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#6 Consumer Comment

More Pure BS!

AUTHOR: Jim - (USA)

There is nothing illegal, immoral or unethical about selling loans! Its done all the time. You obviously...very obviously don't have the slightest clue of what in the hell you are talking about. Another whine from a subprime mentality welfare type who doesn't want to pay their bills on time. So tell us welfare girl who is the lead attorney in this alleged C/A?
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#7 Consumer Comment

More Pure BS!

AUTHOR: Jim - (USA)

There is nothing illegal, immoral or unethical about selling loans! Its done all the time. You obviously...very obviously don't have the slightest clue of what in the h**l you are talking about. Another whine from a subprime mentality welfare type who doesn't want to pay their bills on time. So tell us welfare girl who is the lead attorney in this alleged C/A?
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#8 Consumer Comment

FOR YOUR FYI

AUTHOR: renee - (United States of America)

Some of these loans were sold to this company and meaning people were screw by them and now their are attorneys that filing class action lawsuits against them.
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#9 Consumer Comment

So

AUTHOR: Robert - (U.S.A.)

You have an attorney?  So answer this Einstein, what did your attorney say when you told them you wanted to file a Class Action Lawsuit?  Did they say that they would be more than willing to do that for several thousand dollars up front, or did they laugh so hard that you never got an answer from them?

Here is probably what really happened with the car.  You had a sub-prime loan, which means you do not have a good history of making your payments in the past, and figured as long as you make 60 "payments" it doesn't matter how many times you were late or if you had to have any "payment arrangements".  Well you found out you are wrong and if your lawyer was being honest with you they would tell you the same thing.  If you are late or need arrangements you can be charged fees and additional interest.  The fact that you say you are now car less pretty much shows that even your "attorney" couldn't get you out of the debt.

I wonder which cost you more, the attorney fees or the amount that you would have had to pay to pay off your loan.
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#10 Consumer Comment

Pure BS!!!

AUTHOR: Jim - (USA)

Oh yes, you don't have the money to make the payments but you have money to pay an attorney.  Sure, right!

Here's what's gone on...you missed a number of payments (you admitted making "arrangements").  You've been late so much, extra interest has piled up and piled up.  Nothing illegal about that.  But because they want their money and you, being a typical subprime thinking welfare type, (which is very obvious!)don't like that, put up some smoke screen to claim how illegal they are and how much stress they've caused you!  No pal, YOU brought the stress upon yourself for NOT making your payments on time.  If they had to contact members of your family its because YOU weren't making your payments on time.  By the way, they are NOT a bank.  The BBB has ZERO enforcement powers because the BBB is a scam, NOT a government agency.  Because they want their money which YOU have failed to repay as per the promise YOU made when YOU signed the contract, they are a "predatory lender".  Right.  Sure. 

What an illiterate, looser, subprime thinking welfare type!

No pal, I don't work for them.
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