@bizzyballa31 wrote:The CK reviews absolutely butcher Santander's auto finance unit.
I would absolutely butcher Santander's auto finance too. I had 2 car loans from Citi that got bought out by Santander. No warning or anything. Next thing I know I'm getting calls wanting to know where my payment was. I told them I had no idea who they were. They told me they bought Citi's accounts. I said no one told me, I've been paying Cit. Well they put lates on my CR.
I contacted Cit and they said the payments were forwarded. I looked at the checks and they were cashed by Santander. Santander was still marking me late, even when I switched and started paying them. When I contacted them about this, they said they would fix it. They did, by adding lates back 2 years when it was with Citi, and they weren't late. I contacted them again, they apologized and said they'd fix it. They did, by adding even more lates. So I figured that they just wanted to punish me for arguing with them. Contacted management, got all lates removed except for 2 30 day lates in 2009. I called back and said they were supposed to be taken care of. They responded by adding a 3rd late. I gave up and just let it ride out. I still have 3 30 day lates on my TU and EX from them. But they don't affect me any so I don't mess with them.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:
@bizzyballa31 wrote:The CK reviews absolutely butcher Santander's auto finance unit.
I would absolutely butcher Santander's auto finance too. I had 2 car loans from Citi that got bought out by Santander. No warning or anything. Next thing I know I'm getting calls wanting to know where my payment was. I told them I had no idea who they were. They told me they bought Citi's accounts. I said no one told me, I've been paying Cit. Well they put lates on my CR.
I contacted Cit and they said the payments were forwarded. I looked at the checks and they were cashed by Santander. Santander was still marking me late, even when I switched and started paying them. When I contacted them about this, they said they would fix it. They did, by adding lates back 2 years when it was with Citi, and they weren't late. I contacted them again, they apologized and said they'd fix it. They did, by adding even more lates. So I figured that they just wanted to punish me for arguing with them. Contacted management, got all lates removed except for 2 30 day lates in 2009. I called back and said they were supposed to be taken care of. They responded by adding a 3rd late. I gave up and just let it ride out. I still have 3 30 day lates on my TU and EX from them. But they don't affect me any so I don't mess with them.
I'm sorry to hear that. That sounds like an absolute nightmare. It is amazing that any "legitimate" business can operate that way. I was hoping that maybe Santander was an upstanding company since they just bought Sovereign with whom I had a crummy banking relationship with years ago.
