I am so sick of talking to customer service representatives that I cannot understand, and they cannot understand me. I was just on the phone with Santander's customer service and apparently it was time for them to close. My phone call was cut off! How tacky is that? When I called back an automated message said that the call center was closed for the day. Gee, thanks. The whole reason I called was because their online account access has NEVER worked, and I needed assistance to make some account changes. I am very displeased that Santander is in charge of my loan now, I never had problems like this with HSBC. read full review »