Santander Consumer Complaint - Santander Consumer USA Will Nickel and Dime You!
DALLAS -- I received notice one week ago that Santander is now handling my auto payments that were with Citifinancial. After visiting their site and trying to log on with my username and password from CItifinancial's site as they said it would work I had to call their customer service twice, because the first time I was hung up on after an associate put me on hold for 5 minutes. The second time they said I had to go back to their website, follow a bunch of steps, then submit my request to have my password reset.
After I received the email to reset my password, I then logged on hoping to pay for my account online via their site and not have to pay $10.95 as they charge to do so over the phone as I used to do with Citifinancial for free. NO LUCK! They charge $10.95 whether you pay online with checking account/ATM/credit or over the phone. You can mail your payment but it takes 7-10 days to post which means you'll be charged interest and late fees. They know it's a setup, which is why they try and sell you on the fact that paying the $10.95 will 'save you' from paying more in fees late if your payment isn't credited on time.
I'd have no problem mailing my payment 14 days in advance if I hadn't read online from various sources that people who send in payments via check have the amounts altered and initialed by an employee or someone rips off their account info and suddenly random charges start appearing on their accounts.
I'm SO MAD I have to pay $10.95 tonight to 'ensure' my payment won't be late to avoid fees, even though it's 10:15pm on 09/19 and my payment isn't due until 9/27. Well, I know in 2 weeks I will be getting a money order and mailing it because I will not pay $10.95 to PAY a bill nor risk giving these jokers my account # cause they hire unscrupulous employees.
Good thing my car is paid off in 7 months.
PS- There is one other way to pay for 'free'. Sign up for automatic payment deduction. Yes, give them your account number and access to take the money from your account every month. But, when it's time for your car to be paid off, what's the guarantee they'll adjust the final amount and won't over charge you. Good luck getting your money back! You have to give them 30 days written notice to stop auto payments. Seriously, there needs to be a federal law preventing companies from charging you to PAY THEM!
Next time I finance a vehicle, I WILL NOT select anyone that has Santander collect their payments.