Santander reviews

Santander reviews

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123 account can not be faulted

We changed to the 123 account as were attracted to the high interest rate offered and all the cash back for something that we do every month and can honestly say have have no issues with any of it. We get an average of £40.00 each month for doing nothing other than leaving some of our savings in - no issues what so ever and would rate this account very highly compared to all the other banks out there.
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Warning to any one with long standing accounts check they havent made them Dormant

Received a letter stating as my elderly relative's account had not been used since 2002 , they had placed it in Dormant accounts which means No more communication from them, the account contains a 5 figure sum and was in an abby national savings account still receiving interest from Santander, No warning , just stating they had done it , when you phone you get lousy service was told the holder should go to branch to get it live again, I told them the holder was 90 years old and house bound, but absolutely no understanding or apology, just dogma from a pre printed card in front of them ,I have escalated it up the tree but its such lousy service I doubt will get any sensible answer , I warned them if I don't get satisfaction I will transfer to another bank but still no answer.
Banks say the want savings , but its evident this Bank doesn't.!!
Any elderly customers with old Abby National savings accounts take my advice move them, and anyone dealing with the death of someone in the family check for old documents from Abby national , claim it from Santander, don't think your relative may have had the money and may have spent it .
This treatment is the nearest treatment to Theft of their customers money.
This is the second time I have experienced this under handed move, by transferring to Dormant, the last time they didn't even inform me the other account was made dormant.
If you think that leaving a sum of money in Santander for a rainy day is safe, it isn't .
A lot of elderly customers leave large sums of money thinking its safe , and when the urgently need it they can withdraw the money , truth is they may have already made it Dormant and you don't know, which means blocking any withdraws or deposits, Santander must have hundreds if not thousands of such accounts where the customers, or their remaining family are unaware , just because Santander placed it in Dormant, and then never ever send any more information, shoving the responsibility on the old persons.
Its a shocking indictment of a bank with absolutely no moral code or consideration for elderly customers. They need to be investigated by the FSA.
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Consistent - still terrible

Incompetent and system based responses. Needs 3 phone calls to get to a branch. Never admit errors. Apologies that "you are unhappy" but not for their failures. Not really an online bank at all. Any queries mean you have to be referred to a branch. Who will tell you that they can't help because you need to contact them online. No problem paying money in but impossible to get it out without closing the account.
DONT BE TEMPTED BY INTEREST RATE PROMISES> YOU WONT STAY LONG ENOUGH TO GET ANY.
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disgrace

my sons account has had a block on it since Friday
they have messed him about
a cheeky girl in south shields branch asked him if he pays tax how dare she !!!!
been in touch with ombudsmen
he has to cancel his holiday
due to no funds ombudsmen reassured him Santander will compensate this, however this is not the point

from a fuming customer due to close my account asap
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poor security with paranoid actions

ok you get 3% on 123 current account which is good but if you buy something over £2000 using the card it gets rejected and will only be approved after you phone them to verify you had made the purchase which is costly using your mobile..
security might be correctly put in place but they only contact you by text or automated phone call many hours after to verify payment.. poor service considering other banks send texts within seconds and keep the purchase on hold rather than reject them.
Santander are poorly maintained and need to get into the modern world with up to date computerised methods when checking expensive purchases before rejecting them with their 'security' excuses.
I stay because of the good interest rates on current accounts..
I also mention that the Financial Ombudsman are of no help as they agree with Santander's method of causing embarrassing rejected payments in shops etc..
they need to get into the modern world as well.
I now have the same problem with faster payments and no one answering my messages via secure on line messaging
this bank is absolutely incompetent when it comes to customer service
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SANTANDER IS BAD, DONT BANK HERE.. INCOMPETENT, UNACCOUNTABLE STAFF.

This bank does not care about customers. All of their staff is completely incompetent, most of them do not know how to comprehend what they read. They email, and say things and do not stand behind what they commit to. Employees their have titles and pass the buck without standing behind anything. You can't even reach their customer service # written on a commercial mortgage statement. Most times you call it rings once, answers and then hangs up. It almost seems that the management hates customers and trains the employees to do anything possible to make problems for customers. I have a $2.3 million dollar commercial loan that does not get serviced professionally. I sent in third party checks for Principal only payments made to the bank based upon previous acceptance and complete approval of management to do so. They just accepted this type of payment 6 months ago after giving me a hard time and acknowledgement that i can do this in the future. I spoke to the same person involved 6 months ago telling her I was doing it again and had several checks totaling $490,000 from a sale of real estate made out to Santander which cannot be deposited at any branch. I can only give it to the branch for them to send it to Brooklyn where they service this type of loan. Now they are denying allowing this payment and just sit with $500,000 of checks made out to them risking the chance of checks clearing when presented. No employee has any sense of responsibility or stands behind anything. The employees are like a bunch of children. I risk these checks clearing because of them. DO NOT DO BUSINESS WITH THIS BANK AT ALL.
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B of E rate = 0.5%, Santander SVR = 4.74%!

So, we know the Bank of England rate has been at 0.5% for the last 4 years. Not good news for savers admittedly but much better if you are borrowing.
But it does beg the question as to why Santander's Standard Variable Rate is 4.74% - that's 4.24% above!!
Try phoning the mortgage advice line and ask something like 'What's 2 + 2?". Well if it's not on their script, how could they possible answer?
Don't think I'll go near them with a barge pole.
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As said before Crap ,Crap, And more Crap

Never bank with this bank, I've trying to move to the RBS for 8 weeks on a 7 day switch Santander keep rejecting it. But the banks charges keep going on so far £217, financial ombudsman now involved.
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unbelivable

crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap
useless,useless,useless,useless,useless,useless,useless,useless,useless,useless
trying to deal with this system makes you want to kill someone.
crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap
useless,useless,useless,useless,useless,useless,useless,useless,useless,useless
trying to deal with this system makes you want to kill someone.
crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap,crap
useless,useless,useless,useless,useless,useless,useless,useless,useless,useless
trying to deal with this system makes you want to kill someone.
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Bring back Abbey National

Because as soon as Abbey National turned into Santander, it got worse and worse. Now all these bellends do is try to sell you products at the counter and tout their 1,2,3 credit card.

Hideous bank and the worst customer service of any company I've ever dealt with. Rude, arrogant and poorly educated staff. Avoid this bank at all costs. I used to have my current and savings accounts as well as my credit card with them and I moved it all to First Direct who are brilliant. Santander should be ashamed of themselves.
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HOT GARBAGE!!!

I will copy my BBB current complaint.
COMPLAINT ACTIVITY REPORT Case BBB Serving Dallas and Northeast Texas

Consumer Info: Tinoco, Allan Business Info: Santander Consumer USA, Inc.




Location Involved: (Same as above)

Consumer's Original Complaint :
Has not provided reason for excess charges on auto loan they purchased from Citifinancial.
I called them because my loan matures in March 2014 and the math on my statement did not match up. When I called I explained to them that my loan matures in March but after March I will still owe 3222.95 left. The lady seemed like she had no clue how to respond. Without listening to my concern, she then decides to just email me my payment history. My loan was originally with Citifinancial and was bought by Santander. As she is speaking to me I was trying to explain to her that I am reviewing the statement she sent but all she kept saying was "review your statement and call us back" I said "Ma'am I AM reviewing my statement and I don't understand it so why am I calling back? She said again, "Review your statement and call us back" I immediately told her I wanted to speak to a manager because I got the impression that she was just trying to get my off the phone. When the manager got on the phone it just got worse. She would not allow me to talk and acted as if was on mute and did not stop talking when I was trying to ask questions. Her conversation was all financial jargon and seemed like a scheme to make me say "UGHHH ok, I understand" She said, "pull your bank statements and if you have information to prove these late payments were not legitimate we will adjust your account." So, I decided to do as she said and unfortunately my bank only goes as far as 36 months and I needed to go back 5 years. I had to pay 30 dollars to get my statements beyond 36 months to 5 years. After reviewing line by line I provided all the proof I had that proves everything they said was false. I provided them a letter, bank statements highlighting all payments and the statement they sent me to a fax number provided by the company during the phone conversation. A over a week went by and not an email or any response confirming they revived my fax or anything. Today I put all my paperwork in an envelope sending it certified mail with signed receipt mailed back to me. I never chose this company this company chose me and they are ripping people off by confusing them. Many complaints have been filed and consumers are not ratted fair and it seems that there is no resolution with this company.

Consumer's Desired Resolution:
They need to adjust my account and provide all and any explanation for the additional $3,222.95 added to my account. That amount left over is around 25% of my total loan and their business practices are cheating hard working people without any explanation why. Many complaints I have reviewed coincide with my complaint and this is NOT an isolated incident.

BBB Processing

09/28/2013 web BBB Case Received by BBB
09/30/2013 will BBB Case Reviewed by BBB
09/30/2013 Otto EMAIL Send Acknowledgement to Consumer
09/30/2013 Otto EMAIL Notify Business of Dispute
10/05/2013 BBB MORE INFO RECEIVED FROM THE CONSUMER : All information was provided by Santander Bank Statements:
Payments added up from Santander Statements:
Original loan amount----------------------------------------------------------------------$15,840.21
-----------------------------------------------------------------------------------------------------------------
Total payments based on Santander statements----------------------------------$22,547.02
Payments left based on maturity--------------------------------------------------------$1,401.63
Total--------------------------------------------------------------------------------------------$23,611.62
Explanation:
DEC (390.54) +JAN (337.03) +FEB (337.03) +MAR (337.03) = $1,401.63
Interest rate not including unexplained extra amount:
23611.62-15840.21=7771.41.7771.41/15840.21=49 percent interest rate!! (Not including an extra $3,222.95 they are saying I owe)
Interest rate including unexplained amount:
23611.62+3222.95(Unexplained)= $26,834.57-$15,840.21=$10,994.36/15840.21= 70 percent interest rate!
You have got to be kidding me! This is UNSAT and needs to be corrected ASAP. This CANNOT be legal!
10/15/2013 WEB BBB RECEIVE BUSINESS RESPONSE : ***Also sent email to BBB with response and attachments.

October 15, 2013

Dear Mr.:

We have received your complaint filed with the Better Business Bureau regarding the above referenced account number. Thank you for bringing this matter to our attention.
We understand from your correspondence that you are disputing your current account balance with Santander Consumer USA Inc. (SCUSA). Please be advised that we have investigated this matter and offer the following response.
Our records show that you entered into a Retail Installment Contract (Contract) with Duval Ford on March 13, 2008 to purchase a 2004 Ford Explorer financed in the amount of $15,840.21 at an annual percentage rate of 15.00%. The Contract disclosed a term of 72 monthly payments of $337.03, which began on April 27, 2008. The maturity date was originally set for March 27, 2014. By signing the Contract, you agreed to all terms and conditions as set forth by the Contract agreement. CitiFinancial (Citi) was the assignee and lender of the Contract.
On September 6, 2010, SCUSA began servicing the Contract. Please note a letter was sent to you regarding SCUSA becoming a servicer for Citi accounts. The service transfer did not affect the current terms of the Contract.
Please accept the following explanation as it pertains to the remaining balance on your account. As stated in the Contract, your account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes you will make your payments on the scheduled due date. The amount of interest accrued daily can vary based on the amount of the principal balance and the number of days between payments.
If you pay late, are granted an extension/deferment, and/or change the due date, more interest will accrue, resulting in unpaid principal at the end of the loan term. This means the principal balance is reduced slower and more interest is paid over the duration of the account.
Please note payments are due on the due date set forth in the Contract and late fees may be assessed when the account becomes 10 days or more delinquent. Our records indicate you have submitted 61 regular monthly payments to this account, of these, 13 were paid 10 days or more past the scheduled due date. As a result of these late payments, the account has been assessed 13 late charges. You have also submitted two (2) payments which were returned by your banking institution due to non-sufficient funds (NSF). These late payments and NSF payments resulted in additional accrued interest between these payment dates which affected the reduction of the principal balance owed.
Our records further show that the account was granted four (4) payment deferrals. The deferral dates and reasons are specified below:
* September 22, 2008 (2) - Reason - Hurricane Gustave
* June 30, 2009 (2) - Reason- Deployment
These payments were not waived; they were added to the end of the Contract term. Please note interest does not stop accruing when there has been a deferral granted on the account and there is no grace period for accrual of interest.
In addition, on November 19, 2008 a due date change was granted to your account. Payments were changed from being due on the 27th to the 15th of each month. This due date change allowed you to skip the payment due for November 2008. This payment was not waived; it was added to the end of your contract term and became part of the principal balance. Please note, due to the due date change, additional time past between the submission of payments which resulted in the accrual of more interest. Like deferrals/extensions, interest does not stop accruing when there has been a due date change granted on the account, and there is no grace period for accrual of interest.
As stated above, the amount of interest accrued daily can vary based on the amount of the principal balance and the number of days between payments. In addition, interest starts accruing on the date the Contract is signed. The Contract was signed on March 13, 2008, your first payment was due on April 27th 2008; however, Citi received the first payment on May 10, 2008 which was a total of 58 days from the date the Contract was signed. As a result, the first payment was credited towards the interest balance.
Please note that the principal balance reported on your account is the principal balance excluding accrued interest. Further, the balance of $1,401.63 you calculated by taking your payment of $390.54 due for December 2013 and $337.03 times the remaining scheduled 3 payments for January, February and March 2014 does not equal the correct payoff. Missing from your calculated amount were the deferred payments, NSF payments, skipped payment due to due date change and late charges and interest.
SCUSA has verified that the account balance is accurate. As described above there was a remaining balance due to the account being granted 4 deferments, due date change, 2 NSF's, late payments and late charges that were assessed to the account. Please note the payment pattern determines when the account will be paid off; had we received each of the payments by the due date set forth in the Contract, the account would have been on track to be paid in full by the original maturity date as stated in the Contract.
As of the date of this letter, the account balance is $4,624.58 and is current. The last payment posted to the account was a payment on September 13, 2013 in the amount of $400.00 and was credited to the October 2013 payment and partially credited to the November 2013 payment. The remainder of November's payment is due on November 15, 2013 in the amount of $100.61.
We hope that the written explanation we have provided above regarding the account activity is helpful to you in further understanding how simple interest works and how it affects the balance on a daily basis. Please note that SCUSA has no hidden fees that have been assessed on the account. We kindly remind you that SCUSA abides by the Contract terms.
Enclosed you will find a copy of your conversion letter, Contract and payment history, which validates the debt serviced by SCUSA and the amount currently owed.
We make every attempt to work with our customers to achieve the best service possible and their concerns and experiences are of the utmost importance to us. If you have any further questions please contact our Customer Service Department at 1 (888) 222-4227.
Sincerely,
SANTANDER CONSUMER USA, INC.
Enclosures
10/15/2013 LAY EMAIL Forward Business response to Consumer
10/16/2013 WEB BBB CUSTOMER DISSAT - MEMBER COMPANY - BBB REVIEW : (The consumer indicated he/she DID NOT accept the response from the business.)
I would like to address the response from Santander Consumer USA Inc. All information herein can be substantiated with documentation. It is correct that I entered into a retail Installment (contract) with Duval Ford on March 13, 2008 in the purchase of a 2004 Ford Explorer Sport Trac. The amount of $15,840.21 is at an annual percentage rate of 15.00% with a term of 72 months of payments in the amount of $337.08. Your records of 61 monthly payments to the account starts this response as inaccurate as the record can show that on your web site 68 payments have been made. This information can be found simply by logging into my account. I would like an explanation to that as well. Here are the facts, I would like to reiterate that all information to verify my rebuttal can be provided and has been provided to your company via certified mail on September 30, 2013.
LATE PAYMENTS
My contract states that the first payment was April 27, 2008. A payment was made May 13, 2008 (16 days late) $31.80 above the regular payment amount of $337.03. The next payment was due May 27, 2008. A payment was made July 22, 2008 (25days late) $77.92 above the regular payment amount. The next payment was due June 27, 2008. A payment was made July 16, 2008 for the regular amount (19days late). All late payments hereafter were with a due date change from the 27th to the 15th of every month. A payment was made January 27, 2009 (12 days late) $77.92 above the regular payment amount. A payment was made February 18, 2009 (3 days late) -$64.56 below the regular scheduled payment. A payment was made March 18th, 2009 (3 days Late) -$15.62 below the regular scheduled amount. A payment was made April 24, 2009 (9 days late) $7.86 above the regular scheduled amount. A payment was made on July 1, 2009 (16days late) $14.95 above the regular scheduled payment amount. Additional payments on the accounts where payments were over the regular payments total $130.27 including payments that were below the regular scheduled payment bringing the total late payments to eight (8). August and September payments will be defined below under payment deferrals. December payment was waived because of due date changes.
PAYMENT DEFFERALS
Based on the response from your company I am going to assume that when you stated "granted four (4) payment deferrals" That by only listing two (2) months (September 22,2008(2) and June 30,2009(2)) The two in parenthesis i.e. (2) represents the number of months deferred bringing the total amount of months to four (4). Let's assume this scenario, your definition of payment deferral as provided by your response, "are granted an extension/deferment, and/or change the due date, more interest will accrue, resulting in unpaid principal at the end of the loan term." I will assume again, extensions granted, September 22, 2008 covered August and September 2008. Now, the two payments from the August and September 2008 total $674.06 (August Payment $337.03+ September payment $337.03) was deferred. The $674.06 total does not include any additional charges from which I have yet to receive a break down or an explanation on any interest or charges that were in addition to the $674.03 deferred.
DUE DATE CHANGES
Recap so far, eight (8) late charges and deferment for two (2) months and one (1) month waived. Based on your response "Payments were changed from being due on the 27th to the 15th of each month. This due date change allowed you to skip the payment due for November 2008. This payment was not waived; it was added to the end of your contract term and became part of the principal balance" Fact, a payment in the amount of $368.83 was made on November 10, 2008 $31.80 above the regular payment amount and the month waived was December 2008. Total so far (August 2008 payment $337.03 + September 2008 payment $337.03 deferred) +December payment waived ($337.03) + unknown fees (late charges and interest.i.e.) = $1,011.99 - $130.27 (overpayments in May 13, 2008 $31.80 + July 22, 2008 $77.92 + January 27, 2009 $77.92 - February 18, 2009 -$64.56 - March 18th, 2009 -$15.62 + April 24, 2009 $7.86 + July 1, 2009 $14.95 + November 10, 2008 $31.80= $162.07) = $849.92. This total INCLUDES underpayments for February 18, 2009 and March 18, 2009 but does NOT include hidden fees your company has still failed to provide i.e. late charges and interest rates.
DUE DATE CHANGES CONT'D
1) Eight (8) late charges
2) Two (2) month deferred
3) One (1) month waived because of due date changed from 27th to 15th of every month
"Please note, due to the due date change, additional time past between the submission of payments which resulted in the accrual of more interest"
Please explain the math involved with this using my scenario and plugging in my numbers. Words don't provide me numbers to show reasoning.
"Is the principal balance excluding accrued interest. Further, the balance of $1,401.63 you calculated by taking your payment of $390.54 due for December 2013 and $337.03 times the remaining scheduled 3 payments for January, February and March 2014 does not equal the correct payoff"
Yes, I know this, hence the reason I am requesting a breakdown from your company so you can EXPLAIN where you get this correct payoff balance
"Missing from your calculated amount were the deferred payments, NSF payments, skipped payment due to due date change and late charges and interest."
I have forwarded my bank statements to your company. Please show me where an NSF was incurred.
"Our records further show that the account was granted four (4) payment deferrals. The deferral dates and reasons are specified below"
* June 30, 2009 (2) - Reason- Deployment
This payment was NEVER deferred. I ask your company to review this for accuracy. If you would review your own company's payment statement which can be pulled up from my account it will show that a deferment was NEVER done in June 2009. At this point in time, I had set up an Automatic withdraw from my Navy Federal account and all payments since June 2009 were automatically drafted out of my account in anticipation of deployment and were and STILL being paid on the 15th of every month.
FACTS
Santander states: Four (4) deferments
Reality: Two (2) months deferred (August 2008 and September 2008)
Santander States: Thirteen (13) late payments
Reality: Eight (8) late payments
May 13, 2008 (16 days late) / June 22, 2008 / July 16, 2008 / January 27, 2009 / February 18, 2009 / March 18th, 2009 / April 24, 2009 / July 1, 2009.
It is imperative that your company provides FACTS on the additional Five (5) late payments. There is no documentation that can substantiate this. I have documentation that discredits your claim and I have and can provide this information.
TOTAL AMOUNTS NOT INCLUDING HIDDEN FEES
-$849.92 (explanation is stated above. No answer on interest rate, late fees, i.e.)
OVERPAYMENTS
Payments made from July 15th 2009 were all auto drafted from my Navy Federal account and paid on time. Below are ALL overpayments made since this date:
July 13th 2012 paid $400.00--------------- ($62.97 overpayment)
August 15th 2012 paid $400.00-----------($62.97 overpayment)
September 14th 2012 paid $400.00------ ($62.97 overpayment)
October 15th 2012 paid $500.00----------($162.97 overpayment)
December 14th 2012 paid $400.00-------($62.97 overpayment)
February 15th 2013 paid $400.00---------($62.97 overpayment)
April 15th 2013 paid $400.00--------------($62.97 overpayment)
May 15th 2013 paid $400.00---------------($62.97 overpayment)
June 14th 2013 paid $400.00---------------($62.97 overpayment)
July 15th 2013 paid $500.00----------------($162.97 overpayment)
August 15th 2013 paid $400.00------------($62.97 overpayment)
OVERPAYMENTS CONT'D
September 13th 2013 paid $400.00-------($62.97 overpayment)
October 15th 2013 paid $500.00-----------($162.97 overpayment)
TOTAL OVERPAYMENTS----------------------$1,118.61
BREAK DOWN WITHOUT UNKNOWN FEES FROM SANTANDER
Original Loan amount---------------------------$15,840.21
Payments already made to Santander-------$23,047.02 (As of OCT 2013)
Maturity payments left--------------------------$4,185.40 (As per Santander NOT including unknown interest)
TOTAL ---------------------------------------------------------------------------------$27,232.42
Total sales price based on contract---------------------------------------------$24,266.16
Charges left over from deferments and waivers---------------------------- ($849.92)
Amount over original contract excluding addition unknown fees---- $2,111.16 (OVER)
"SCUSA has verified that the account balance is accurate."
This account is NOT accurate and need to be reevaluated.
"We hope that the written explanation we have provided above regarding the account activity is helpful to you in further understanding how simple interest works and how it affects the balance on a daily basis."
Please sho
10/16/2013 BBB MORE INFO RECEIVED FROM THE CONSUMER : "We hope that the written explanation we have provided above regarding the account activity is helpful to you in further understanding how simple interest works and how it affects the balance on a daily basis."
Please show me where in this explanation you EVEN discuss anything about interest that involves something other than the WORD interest. This response comes nowhere near a breakdown of interest based on MY numbers it only speaks of the word interest and inaccuracies. Please have your company reevaluate this claim and establish a more concrete explanation. I do not accept this response.
10/17/2013 OttO EMAIL Customer Dissat Notice to Company
10/17/2013 OttO BBB BBB Review Consumers Response
10/17/2013 BBB MORE INFO RECEIVED FROM THE CONSUMER : In addition to my complaint, I would like for your company to explain why has my loan with Santander recently been removed from my credit report?
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Santander your pissing me off!

So not only has it taken a week for my cheque to clear but its now Friday and I won't have money till Monday or Tuesday I have rent to pay and a child on the way! not only that you keep taking money out my account and putting charges that you are causing by taking money that I do not have. I am now sick to death of this and I swear if you don't deal with this by today I'm shutting down my account and you can kiss me arse!
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THEY LOST MY CHEQUE!!!

Often encouraged when there are queues at the counter at Santander if depositing a cheque, to use their in-branch envelope into box, cheque deposit scheme. I have previously been quite wary of this as no actual receipt is given. But this week I gave in..... the next day the deposit did not appear on my statement, I called Santander they said it would be there by the close of the day. Needless to say it wasn't, so again the next morning I made the same call and was told it takes 5 days to appear! - when you pay in at counter it appears the same day! I complained and was transferred to another member of staff who actually rang the bank while I held on (all my phone calls!). I was transferred again to the Assistant Manager who said he'd look into it and call me back. He did call back 10 minutes later and said it had been a bank "error" and when it had cleared wherever they had put it, it would then appear in my account in about 5 days!!!! Brilliant service. Always pay in at the counter!!!!!!!!
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SANTANDERS HAPPIEST CUSTOMER

Really surprised at the bad reviews, I have both current account and mortgage with Santander. Their website is really user friendly and online banking with them is a doddle. Their customer services are great too, I am never put endlessly on hold and the staff are friendly, polite and efficient. I have had my mortgage with them for 7 years without a hitch and my bank account for 2 years, once again its been plain sailing all the way and I get great interest on my balance. So well done Santander - at least you have one very happy customer.
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Im sure Nody in toy town could do better

on two occasions recently i have tried to transfer funds on line once for a new car and once for some holiday money. Both times the transactions have been blocked by Santander security even though they text me a security code. ok i will ring them and see what the problem is. Not a chance! it seems that as i am an ex Alliance and Leicester customer i am not on their system for telephone inquiries all i get is enter your date of birth on a continues loop. If they are going to block a payment why don't they let me know?
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Good instore customer service, website is appauling

Dislike the functionalities of the website. Looks very outdated, they need a new site. Logging in is hard worth with awful password system!
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HOW CAN I ANSWER YOUR SECURITY QUESTION WHEN YOU HAVE LOCKED MY ACCOUNT?

HAVING HAD MY SANTANDER ACCOUNT LOCKED FOR GOD ONLY KNOWS WHAT REASON THIS TIME I RANG THE SANTANDER INTERNET HELP DESK, ONLY TO BE ASKED AS PART OF THE SECURITY QUESTIONS HOW MUCH A RECENT STANDING ORDER WAS FOR....HAVING TRIED TO EXPLAIN TO THE PERSON ON THE PHONE THAT I COULD NOT POSSIBLY KNOW THIS AS THE ORDER WENT OUT THE PREVIOUS DAY, THE SAME DAY THAT I WAS LOCKED OUT MY ACCOUNT ! I WAS INFORMED THAT I HAD FAILED SECURITY, BUT I COULD RING BACK AND ANSWER DIFFERENT QUESTIONS.
HAVING RANG BACK I ENDED UP TALKING TO THE SAME PERSON ( GRAHAM), WHO OBVIOUSLY LACKING IN ANY INTELLEGENCE ASKED ME THE SAME QUESTION HE HAD ASKED 3 MINUTES EARLIER! .., AND SEEMED TO GET SOME SORT OF CHEAP THRILL FROM TELLING ME I HAD FAILED SECURITY AGAIN...I AM STILL LOCKED OUT OF MY BUSINESS AND I LOOK LIKELY TO REMAIN THAT WAY UNTILL SOMEONE WITH SOME COMMON SENSE RINGS ME.......IS THERE SUCH A PERSON AT SANTANDER?
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Sick of Santander

Ever since Alliance & Leicester became Santander, my family and I have had nothing but trouble with our accounts. The latest ones were my mum and I were in our local branch depositing money into an ISA she and my gran share because my gran is housebound, and because no one had deposited anything in just over a year, my gran had to sign a form, so they gave us a form to sign and we took it to her and she signed it. A week later she got a phone call from the branch manager saying the cashier had given her the wrong form and because she is housebound would be coming to her flat to get her to sign it! I wasn't there at the time, so no one could let her in when she pressed the buzzer, plus my gran doesn't allow anyone in if myself or my mum are not there. She has now had the form posted to her, which she had to post back at her expense. Another problem we faced on the same day as trying to deposit money into the ISA was my gran's account in trust for my cousin. She had one for each of her grandkids, and when his sister and myself were 18 she gave us the money. The reason it was easy for us was because it was still Alliance & Leicester. The staff told us my gran would have to come into the branch with ID to prove that she was who she said she was to get the money in the form of a cheque to put in another account and give to him. How the hell is she supposed to do that when she is housebound, which we stated to them several times but they still kept asking if she could get out the house! Eventually they told us she'd have to write a letter with her signature and we would have to show a card with her signature on it as proof, and we did that the Friday after. We were told it would take several working days to get the cheque, so they would send it to us and should be in sometime this week. It still hasn't arrived. If my cousin's money is missing there is guaranteed to be a fight, and my gran is extremely generous, so I bet if she couldn't get the money from the account she'd give him money from her own savings to replace it. Santander are the worst bank in existence, their staff are pushy and don't understand what you are telling them half the time and the dividends my mum and gran receive are worthless (the last being 21p)! I'm planning to move my savings account and my bond to the TSB as soon as my bond matures, the TSB have been fantastic to my family for generations and whenever I go into the branch they don't try to get you to change your account into something else, unlike Santander who will try to get you to take an account that you're not even eligible for! I don't trust them any more, and I wish I could move my bond right now, but I have to wait a year and a half. :(
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Useless, arrogant and rude

I have been banking with these for over 23 years then one day. i had never been overdrawn before. untill one day i went overdrawn by £1 something and since then iv had over 300 pound took a month for being overdrawn. i have phoned them near enough every day for the past year they have told me they would stop the bank charges but a week later they take double. Today i phoned up and asked to pay back the bank charges in installments as i have to take my child to hospital and need money for travel and they refused and hung up leaving me with 30 pound to pay bills and travel where travel its self is at least 40 pound. all i get is lies broken promises. I also tried to cancel my account today and they said what would you like to do with the remaining money in my account i said could i transfer it into another account and they said we need proof of that it is you ( baring in mind i had been on the phone for at least half an hour and answered numerous amount of security questions in the end he hung up. Complete incompetent and to make matter worse they cant even change my address properly iv changed that numerous amount of times and it still says on the systems my old address.
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muppets

what I bunch of muppets the manged to cancel my card while I was on holiday due to Fraud. I have been a victim of fraud in the past but they never seemed to care then

Will be moving to Metro Bank in the near future

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Santander Details

About this company

Welcome to Santander. Abbey and the Bradford & Bingley savings business have now changed their name. Banking, Savings, Loans and Mortgages. Find out more.

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Category

Santander is ranked 80 out of 81 in the category

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