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4.2 2572 Reviews

Santander Consumer USA Complaints Summary

241 Resolved
496 Unresolved
Our verdict: Engaging with Santander Consumer USA, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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12:18 pm EDT
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Santander Consumer USA fraudulent consumer practices

Santander bought my auto loan from United Credit Corp on or about May 2010. For 3 years, I have not missed a payment on my loan (I paid through auto pay). At the beginning of my dealings with Santander, I've incurred problems, in that they have a nonworking website where they say you can make payments, it does nothing after you provide the requested information; I spoke with a Santander rep who said she would assist me in setting up my autopay account online. The rep took my banking info but the payment was never processed. I then called Santander and was told they do not do autopay online. The letter clearly states autopay online is available. This is false and misleading advertisement. I've had nothing but grief since day one with this company.

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shanaf
, US
Mar 17, 2011 2:39 am EDT

These people are totally ripping all of us off. There are way too many people in Santander handling one persons account. They took a payment out of my bank account that I never authorized. Mind you I had already paid my bill for that month. And I didn't have that amount in my account that they took out, so now my account is over drawn 236.00. Money that I DO NOT HAVE! So I called the better business bureau and they said they are going to handle it from here on out. Hopefully this works!

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mkln
, US
Nov 10, 2010 6:19 pm EST

We had our car loan with Citi for 2yrs now, without any warning or conversation, I get a letter from Santander saying I owe them a payment on my car my first reaction was who the heck is this an why do they know anything about my auto loan.I was one payment behind with Citi the payment was 282.00.so I call this santander an ask them why I got a letter from them on my auto loan.they told me that they we're trying to collect a dept that they we;re a collection agency my next question was why would my loan be sent to a collection agency she then tells me they have bought out Citi.Well in my honest opion i owed an sighned a loan agreement with Citi not Santander something ive never heard an had to look up on the internet to even get any information about!.Well anyway the lady told me i needed to send 532.00 my next question was well my next payment is not even due an im only behind the one month with 282. so what is the other 300. for well anyway i was asked to send it in two parts .my first gut feeling is why would i send a company i have no idea about money an also that i never signed any agreement with nor had i ever heard of them.too many scams going on as it is.Now ive been told i owe them 1000.00 bucks or they are coming to repo my car they set up a payment plan with my husband 300. every two weeks so i guess now we are making payments every 2 weeks now instead of every month..I can't go get another loan with a different company an tell this one to suck on it because they will not give me a loan due to Santander saying im late an i have huge loan with them.I feel citi turned it's back on me an sold me out to get theirselfs out of the mess they we're in .If you are going to give your customers over to another company atleast tell them about it or make sure the company is honest an respected !..why was i not given the right of buy off from citi because we all know santander did not pay the amounts our loans we're it was a sell off price!now im sitting here wondering if i should make a payment to this company will that do me any good at all or do they have me by the throat threating to take my car ..do they have the right to get all of our information without our consent or take our loans without an agreement with us that we want to do business with them?.im at a loss i have no idea what i should do i have to keep my car i guess im screwed an i can in no way afford to just hand over money every two weeks that turns my payment into a 600 .oo a month instead of the 282. that i had in my budget the only reason i took the loan was i could afford that type of payment!.im stuff up ### creek with out a paddle i guess!..if anyone has info that can help id be very greatful!

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Wise old fool
Missoula, US
Sep 17, 2010 1:34 pm EDT

My wife began receiving phone calls in late August from a Santander representative. When I asked the caller for the purpose of the call she (always a woman with a foreign accent) refused to tell me and hung up. Last night the caller decided to tell me my wife is late on a payment for a Dodge Charger. I informed her neither my wife nor I have ever in our 60+ years owned a Dodge Charger. The caller did provide a phone number to call (888/ 222-4227) to make payment arrangements.

I suspected a scam so I immediately called the number. The automated voice said it recognized our phone number as being linked to an account. I managed to get past the computerized responses and received an outgoing message that the offices were closed -- in contrast with the phone call I received a few minutes previously. I also got an internet "www" address but received an error message as not being recognized when I tried to access it. My persistence to find Santander paid off to bring me to this site.

This morning I called the Santander 888 number again and spoke to a woman who identified herself as Michelle, a manager. When I asked her for the correct spelling of her company she cited "privacy rules" and refused to provide it, then hung up. This further reinforced my suspicion of an attempted scam. My next call was to the FTC fraud line (877/ 382-4357) where I reported the sequence of events and filed a complaint. I now have a reference number in the event another Santander representative calls us. The web site is www.ftc.gov ". . . . . for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them."

All collection agencies are required to provide the company name, address, telephone number, business you owe money, and the exact amount they claim you owe. You can dowload a multi-page listing of your rights when contacted by a collection company representative at www.consumerfraudreporting.org/debtcollection.php. I recommend you print a hard copy to keep in your files.

If you believe Santander has violated your rights I also recomment you file a complaint against Santander with the FTC. The Feds have more power to make them comply with the law and stop fraudulent or abusive practices than simply registering your complaint on this or any another web site. They also enter Inernet, telemarketing, identity theft, and other fraud-related complaints into "Consumer Sentinel", a secure, online database available to hundres of civil and criminal law enforcement agencies in the U.S. and abroad. Best wishes.

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UPSET ON TIME PAYER
Las Vegas, US
Jun 11, 2010 3:17 pm EDT

OMG I am going through the same BS!
I HAVE NEVER BEEN LATE on a payment. I even sent my June payment in Early! ###! The payment was electronic dated MAY 21 and Santander is claiming they still don't see my payment for JUNE and it is JUNE 11!
I spoke to 2 customer service reps. The first one RHONDA, advised that no payments or history on account was viewable... HOW COULD THAT BE! The 2nd rep I spoke to stated that they payment isn't received and late charges will be accessed if they don't see the payment by June 29th 2010 and the [censored] hung up on ME! WTF!

(If you can't tell...I am really really upset right now!)

DUDE if they claim that they don't receive my JUNE PAYMENT I am calling it ALL OUT WAR!
Let me know we all need to file a lawsuit WTF! Foul business practices!

Please update this site I will get in with you in regards to filing a claim officially!

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Meissa
Axtell, US
Jun 03, 2010 1:53 pm EDT

Our auto loan was also purchased from UAC in May and we've also had nothing but nightmares. First they said our May payment was not made and then switched it to February after we faxed them the proof on May. We faxed them the February proof and now they say it was the first payment on the loan - which was made to UAC back in August 2008. My husband has been threatened, told he was a liar, told they were repo'ing our vehicle, told our loan does not have his social security number on it (so who should be making all the payments we've been paying?) and told that we do not own a Ford F-150 but rather a Ford Escort! The website won't let us set up anything because the social is wrong - they can't correct the social when we call customer service because the system won't let them; no supervisor or manager ever seems to be in the building (guess that's beneficial to him if there's a fire); and you can hardly understand them because of the language barrier - English wasn't an option apparantly. We are re-financing through our credit union and will now have to pay over $500 more because of Santanders screw up with their accounting. BBB report has been file and is pending. Now I'm hiring a lawyer. Santander will pay one way or the other - and it's going to be monetary!

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helpme10
Honolulu, US
May 23, 2010 3:47 pm EDT
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[censored]ander please run your business properly people like me can't afford to get rip off because we barely have money left to buy food for our children as you know this loan alone charge almost 30%interest because we got this loan with bad line of credit and to add more late fees payment fees $10, and interest this #s add up a ridiculous $50-100 more a month on top of the monthly payment. pls stop ripping us off we don't have choice but to take all this crap because we are in a deep financial crisis My God Bless this company and show thenm how to run a honest business as we all human being trying to survive for god sake.

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helpme10
Honolulu, US
May 23, 2010 3:33 pm EDT
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I'm having the same problem with sanrander eversince they took over my loan with hsbc in march I tried to make payment online where it says they accept check debit visa and etc. so I click on check and enter all required infos. and then it system says payment has been process and then 3 days later I called ask why my payment has not clear my acct yet and I was told it wiill take 3 to 5 days to post on my acct after then I check again my acct online they charge me $10 fees because it was returned not paid wrong info so I chatted 5x with rep online I probably entered wrong infos and all that so ok what form of payment should I used and i was told phone payment so I did all that and then again it was return 3 days later was charge for fees and interest late payments and etc. oh my god please help this peolple run this business properly til now i don't know what to do I don't what should i do with my acct I didn't have this kind of payment problem w/ hsbc for 2 years until they took over my acct and they messed it up and chrge me ridiculous fees return payment fees I even suggested them to update their system because their system does'nt work at all. can someone check this company what their up to running their business illegal or what is this co. even a legit or what. pls need help...

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9:24 am EDT
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Santander Consumer USA payment plan

Santander took over for hsbc this year for my auto loan, and due to unemployment I have been trying to get my payments put onto a workout plan. I spoke to someone a week ago who said they could work out a deal cutting my interest rate and reducing payment, but was informed today that that plan was "rejected" and if I don't make payment today I will lose my vehicle. The girl on the phone, germita (Sp?) was antagonistic and would not transfer me to a supervisor or even another rep. I've worked in different forms of customer service for 10+ years and she is the worst i've ever heard, which seemed to make her argue more. It's hard to imagine a company that wants to make money off of you doing such a poor job of communicating with their customer, let alone having "collections agents" who don't have the ability to talk on an even level with people.

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Jep09
, US
Sep 08, 2010 10:48 am EDT

Welcome to the world of collections! These peole SUCK though I agree...we are only 1 month behind and today I received an email saying Thank you for authorizing a payment and a confirmation number...WHAT? I never authorized any payment, so I called and Valerie said they could not tell where the payment was authorized or who did it, then called back today to speak with superviser, Maria (totally rude) said she could not transfer me to a supervisor, they were NOT AVAILABLE. It is funny you can NEVER speak to one ;) So I told them I would not be making a payment tomorrow till they clear this up, they did not care to say the least. Funny thing is they will not get the payment they WRONGFULLY are trying to take out of our acct. because I put a freeze on it and I am closing the acct today. We are filing this as fraud...Thank Goodness I caught the email in time!

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d15
Chardon, US
May 25, 2010 9:13 pm EDT

Wow this is like reading my own story. I had a loan through HSBC also. At no point was I told the loan was being sold. That upset me. I had no problems dealing with HSBC. I am so angry right now. I have fallen behind in my payments however since Jan 2010 I have paid them over 2000.00 I have been trying to get something to them everyweek. This was not good enough the other day I got a letter saying they were going to repo my car if payment arrangements were not made. Now mind you I have spoken to them on so many ocasions always someone different and ALWAYS a different story pay this amount and we will do this pay this amount and we can do this I have done everything asked of me and they have done nothing they rejected reducing my payments and they said I could not defer payments because the state of ohio does not allow payments to be added to the end of a loan. I have not found anything on this yet. When I got the repo letter I had already scheduled a payment of 201.17 to come out on Thursday when I called and told them this the man was so rude he proceded to tell me that it was not enough and they needed money now. He kept reminding me that I broke a promise that I made to pay something a couple of weeks earlier which I had a emergency and could not do it. He reminded me of that at least 3 times. Well to make a long story short he proceded to tell me I had to pay more in order to stop the repo so I have to take my food money for this week and pay them more money on Friday. And I also told them i would have another payment made by the 11th of next month. I made these arrangements yesterday and today I received 3 phone calls from them saying they were calling me to remind me about the arrangement made I told them they don't have to call me but this person proceded to say the phone calls will not stop until the payments have been made. I am tired of being threatened and bullied by these people I don't know what to do. Once I make my next payment I will be caught up I hope it stops these calls. Any suggestions are welcome they are making my life miserable along with all the other bill collectors that are calling I don't know where to turn anymore. Thanks for listening.

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kej1267
, US
May 19, 2010 2:59 pm EDT

My car loan was originally with HSBC and this stupid company took over my loan...I offered to pay my loan off for the principal balance and they have refused and said that they do not make deals. My principal balance is $1, 927.14 and with late charges and fees of $1, 546.68 for a total of $3, 473.82. I offered them $2, 000.00 to pay the car off and they will not take the offer. I just don't understand this. I will be googling to find out who the head of this place is so that I can talk to them directly and find out what exactly I can do to get this taken care of. I don't want the car so it may come down to me telling them to come get it...I really don't care at this point...Heck I may even tell the scrap yard to come get the car..I really don't care...

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Taffy23
Grand Ledge, US
May 15, 2010 9:03 am EDT

This is EXACTLY what happened to my son in the past week. They told him if he didn't pay half the balance $2500, by the end of the week he would loose his car. They would not let him make payment arrangements and they said the need the remainder in 10 days. I don't know where else he can turn to. Making the $2500, which he borrowed from me (after I took a loan) would actually catch his car payments up. He has been out of working and attempting to make payments but since they took over from HSBC they have been nothing but harrassing and unwilling to work out a payment plan.

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6:27 pm EDT
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Santander Consumer USA unfair practices

If anyone is interested in the companies Santander uses for repo and auction here are some sites that might help when getting information. One is for the auction houses I'm sure many lenders use.

http://www2.manheim.com/locations/
http://www.bizwiz.com/cgi-bin/bizxsrch.pl?terms=ARSnhYZg1bjksARTt8wM7tj6BQARRMmxHNBGd96

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8:16 pm EDT
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Santander Consumer USA title

On april 12th, 2010 at 1pm, a final payment santander for payment of a car loan.

These funds were received the organization within minutes of having completed this transaction at the money gram office used that day. The use of money gram was as a result of instructions given to me earlier that day by a santander agent over the phone.

A call was made to santander that afternoon after 4pm.
It was then verified by a santander agent that the funds had been received.

Today is april 27th, 2010.

It has now been 15 days since the receipt of these funds by santander.
These funds were for the purpose of satisfying the remaining outstanding balance of the loan.

As of yet, the title to the vehicle associated with this account, a 2003 ford expedition, has not been received, and is still being held up by santander.

If an auto loan is paid off using money gram, the money is considered certified.

Again, wire transfers are a form of certified funds. When you transfer money it is paid upfront. Therefore, the money is guaranteed which makes it certified.

According to their your own web page, rules, policies, and regulations;

http://www.triadfinancial.com/customers/customer_faq_ques.aspx
(found two thirds down this web page, under your section on title questions)
If your auto is paid off with certified funds - the title is requested to be mailed five days from the posted date.

These fund posted on april 12, 2010.
Certified funds were sent.
The title was supposed to have been mailed out 5 days later.
The title should have arrived 11 days ago.

There has not been any reasonable explanation as to why this title is still being held up santander.

I requested that this title be expedited immediately, over and over and over again.
As of this posting.
I have been completely ignored.

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10:36 am EDT
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Santander Consumer USA wanting more payment car paid off

I paid my loan off on my 2001 nissan that was first financed through triad finance. I received a notice that santander was taking over and that my payments would be made to this company. Fine, I was on auto-payment and was not to concerned until... I paid the last payment in march 2010, and was expecting my title at least within 6 weeks of last payment. But, no, I get a phone call stating that I still owed $188.00, and I asked why. Stated that there was just a half of a payment made, and I reminded them that I was on auto-pay, so how could that happen. Was told they would look into it, it has been over two week, and received call, still stating I owed the money. I informed them that I was told someone was looking into the situation and would call me back. Yeah, right. I sent a letter over a month ago, asking about this, but no reply and after reading all the other complaints against this company I can see why. I sure hope this mess gets straightened out for everyone concerned as it is a real headache.

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In My Opinion
Baltimore, US
Apr 28, 2010 10:39 am EDT

The reason you owe more than the scheduled payment is because of Simple Interest Financing. Your payments were calculated on being received ON or BEFORE the due date. If your payments were made after the due date … then additional interest would have accrued on your account. Plug your numbers into an amortization table. You will see how the payments would have been applied if you made all the payments on time. If ONE payment is paid later … then it throws off the whole table.
I would suggest that you pay it ASAP .. as interest is still accruing. I my days of working in auto collections .. I have seen people who owed much more at the end of the loan.

Hope this Helps

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6:13 am EDT

Santander Consumer USA giving me huge run around

I work for a car delaership in wny. I have been trying for weeks to get a lien release for a vehicle and I am getting major run around from both hsbc & santander.

I talk to santander, who tells me to call hsbc, so I do only to be informed by hsbc that auto finance no longer exists & they give me a number for santander. This is absolutely ridiculous!

I am thinking of going to the better business bureau on both banks. I don't know if they will be able to help, but it's worth a shot right?

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4:11 am EDT
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Santander Consumer USA zero card

I have repeatedly been charged interest on the zero card though I have always paid promptly and never exceeded my limit. Though the sums are not vast, multiplied by all who use this card and do not detect this extra cost santander are making a huge, illicit profit. I raised this by phone with santander twice and was met with rudeness and indifference. I wrote to them a month ago and have received no reply. Do check your santander statements very carefully.9397b

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10:44 am EDT

Santander Consumer USA company drags feet on payoff quote

Hsbc turned over my autoloan to santandar. I had read some bad reviews about this company, so I refinanced with a local credit union. The credit union had the paperwork done in a matter of a few days. Now, do you think santandar could deliver on a pay-off quote? A snow ball in * would have a better chance. Get this, the first customer service said she'd put in the request, and it would be faxed to credit union with 24-48 hours. Two days later, I called, and that customer service (a misnomer) said 3-5 days, for sending a fax quote so they could be paid off! So now we moving on 7 days and no pay-off quote yet. Now I wonder how much money they're making off all those good customers who ask for such customer service. I would think that if you multiplied the number of days they drag their feet on a pay-off quote from all their their clients, that it would turn out to be quite a bit of money, don't you think. This kind of practice and others i've read about has to taken on by the bbb and the federal government to regulate these institutions. But isn't capitalism wonderful...

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Santander Consumer USA power of attorney refusal

When presented with a power of attorney at the ortley beach, nj office to handle my elderly parent's affairs, I was refused service. This power of attorney is on file in the woodbridge, nj office. After speaking with my attorney, colleen barlowski, the bank employee with a desk behind glass doors, refused to give me the name and address of sovereign bank's legal counsel. She didn't know, even though she speaks with them all of the time. She gave me the name of kori kaldor, whom she seeks legal advice from, but doesn't know if kori is an attorney or not.

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Santander Consumer USA rude manager and tellers..

I was calling regarding about my loans due to charge for late fees that it was not even late.. So spoke to the bank representative and dont even want to listen what im trying to say.. Shes very rude and no manners so I asked her if I can talked to the manager and her reply"shes going to say the same thing" and I asked her again for the manager so I finally talked to the manager "nikki". I havnt even start what my complains nor say.. She jumped right in that I cant do anything about it. Trying to tell me the rules and regulations. > shes the manager and shes very rude also instead of helping the customer shes judging me about things... What kind of manger is that? So I would like actions regarding this manager and her employees.. Thank you..

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Santander Consumer USA attempted larceny-suggested course of action

This company has repeatedly attempted to take money from my checking account after being advised on a daily basis that the withdraws were never authorized. Additionally, I was forced to close my bank account because they simply changed the name of the financial services from santander to pinnacle and still attempted to take the funds they were not authorized to take. Additionally, this company refuses to give me a true and accurate payoff quote so I can transfer the loan to a reputable company. I have contacted my elected officials in my area and was advised to contact the federal trade commission and file a formal complaint. They do not handle individual complaints; however, they do take complaints to determine patterns of behavior. If they detect patters of illegal or unethical business practices, they can then take appropriate action through investigations, fines and other actions. Additionally, I have filed a complaint with the north carolina attorney general's office in an attempt to get their license to practice business and their bonding to practice financial matters in nc be revoked. Also, I was assured by frank airehart [protected]) [protected]@santanderconsumerusa.com that he would handle this matter and have it resolved. Again, I was blatantly lied to and rather than fix their attempted larceny on their end, they tried to circumvent the protections on the account (again forcing me to close an account i've had with not problems until this company became involved). Additionally, cindy pena in their customer service department admitted (on a recorded converstation) that santander consumer usa did in fact attempt to take two unauthorized withdrawls from my banking account.

Again, if you have had similar problems with this company, file complaints with both your state ag's office and the ftc. Only through making complaints to these agencies will a true spotlight be shone on their ciminal behaviors.

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Dassa
, US
Oct 15, 2010 9:45 am EDT

I closed my checking acount so that this wouldn't. I too, was never notified, just started getting voicemails from this compnay, but they never disclosed why they were calling me. I still haven't called them, and won't. just received my first bill from them. Never told by Citi Financial Auto that they sold my loan to another company. You would think that big banks like Citi, HSBC, etc. would research who they sell their loans to.

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HELP MAKE CHANGE
Venice, US
Sep 23, 2010 1:29 pm EDT

PLEASE PLEASE PLEASE FILE A COMPLAINT WITH FTC SO THAT SANTANDER CONSUMER USA CAN BE HELD ACCOUNTABLE FOR THEIR ACTIONS GO TO: https://www.ftccomplaintassistant.gov AND FILE YOUR COMPLAINT ASAP, IT ONLY TAKES 5 MINUTES THANK YOU!

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Geminiibaby
River Forest, US
Jun 02, 2010 4:52 pm EDT
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I hear you on that one. They called me and said that they were deducting my payment from an account that was not even mine. I said that is not my account they said whatever. How can they just take money out. They also did that in my accoutn took two payments out. I called my bank and stopped the other transaction from goign through. Is there anything we can do to get out of our contracts with this illegal and c

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Vic H.
Conover, US
Jun 01, 2010 3:47 pm EDT

I feel your pain, I have been dealing with this disreputable, unethical, foreign-owned company since they took over HSBC Auto's accounts. The very first month, they didn't credit my account after cashing my check sent via Online Bill-pay. I have sent proof of payment several times, but they continue to call me and threaten to ruin my credit even though I have sent the written notification to cease communications and proof of invalidity of their claim of not payment.

Their 30 days to correct my account and credit report expires in a few more days. At that time I will be submitting complaints to both the FTC and NC Attorney Gen. Off. for at least the illegal collection calls.

For anyone else out there who is having problems with this company, follow the procedures prescribed in the Federal Fair Debt Collection Act (which Santander seem to willfully ignore even after being informed that they are in violation of it.) and file a complaint as necessary. They seem to have no compunction against using strong-arm and illegal tactics to collect money that is not due them and to put long time customers who have been in good standing in default. It's time to play hardball, too.

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Santander Consumer USA deceptive overdraft policy

I incurred multiple overdraft notices due to this bank's deceptive practices. I withdrew my funds and will never bank with them again.

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grammy22
, US
Jun 11, 2010 9:25 am EDT
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My online check register listed my available balance as $849.62 - and they charged me 5 funds unavailable fees. So yes, they are fraudulent. I waited 4 days after my deposit to pay online bills - each one went through with a new balance total. Everything looked fine for two days until 5 lines of these charges. I called to say they had made a mistake and was told they have the funds available to me at their discretion. I printed out my online statements which clearly shows it as 'available balance' Truly terrible way to treat an account holder. Core States did the same sort of thing years ago and look where it got them. Just a matter of time for Sovereign. Last time I checked, 3 of the 5 local branches were closed. YAY!

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Santander Consumer USA bad customer service

I have been paying for my car on time, never late, for over 3 years. Right now, my area is snow bound. I can not afford the fees, so I mail my payments in.

I requested consideration to pay by phone and have the fee waived, because I have never paid late. Guess what... No consideration. Being a good customer counts for nothing.

My original loan was not even through santander. They bought it out. Go figure. When I get done with this loan, they do not have to worry about me as a customer ever again. If they buy out any other of my loans, they will have to take the car.

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Casilda Dantes
Brunswick, US
Nov 10, 2011 5:10 pm EST
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For the pass four (4) years i have been paying a monthly payment on my truck, and after being separated from my husband, cause me to relocate from Florida to Georgia, there i had no job for the maintime, and thats the time i couldn't pay the full amount which i had to pay monthly; as a result of this I had my truck reprocess in September month, Immediately i spoke to the Santander that i would settle the payment at the ending of October, whereby I would have my truck but they sold it on the 12th of October leaving me without my ride. Now they calling me after reprocessing my truck to make payment mainwhile I am walking to work without a ride. Presently i'm residing in Brunswick GA. In this has no public transportation, so you can see the hardship of my tranactions.

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Santander Consumer USA the worst customer service ever!

Within the past year or so soverign bank was bought out by santander consumer usa. Having had a lean on my car with sovereign, I was grandfathered into being a customer at santander. My contract with sovereign did allow me to have a 10 day grace period on my payments. That also rolled over when the bank was bought out by this new company.
Within the past week I received a phone call from santander, missed the call and called right back. I immediately asked the operator who got my call why I was getting a phone call about my payment if I was well within my grace period. She told me that this was part of their policy. I then told her I had mailed out my check 3 days prior to the call and that they should be recieving payment any day. She then advised me that she did show that they recieved my check and that there was some error code showing on my account letting her know that there was some information that I had not filled out on the check making it so that they would not be able to cash my check. I asked her what info was missing and she said she did not have access to view my check. I then asked her, "so you're not going to be able to cash that check then correct?" and her response was, no we cannot. I then decided to use the pay by phone option which I knew would cost about $10 extra but figured it would be worth it so that my payment would not go late if I were to mail out another check. I received a confirmation number after I gave her my debit card info and saw that it was almost immediately deducted from my bank account.
Two days later, I noticed that my bank account was at a negative balance which to me was impossible because I keep very good track of my transactions through my check register. I looked into and realized that they did in fact cash my so called "incomplete check". I was able to view my check online through my financial institution and there was nothing that was incomplete about it. I immediately called the 888 number and explained what had happened to a customer service rep. To try to shorten up all of the trouble that I went through I ended speaking with a total of 6 different customer service reps plus a supervisor in which I was getting different stories from all. There was absolutely no sympathy from any of the 7 representatives that I spoke with within the company.
I work at a call center myself and know that when calls are recorded there are calls that can be pulled. I asked the supervisory to pull the call so he would have proof right there of what happened during the very first conversation when I was mis-informed. He told me that this would have to go through an investigative department which would take about 3 - 5 business days.in the mean time, I had gotten hit with 2 seperate overdraft fees from my financial institution because of this situation. I faxed over a copy of my bank statement to the accounting department at santander (which is what I was told to do by the supervisor) which showed the overdraft fees. He also said it would take a few days for the acounting department to review it.in the mean time I still have a negative balance in my account and other bills set up to be automatically deducted within the next week.
To sum this all up I have refinanced my loan through my own financial institution and will say that I will never ever do any kind of banking or apply for any loans with santander ever again. I've never had such a bad experience with "customer service" reps speaking over me, being rude and short with me, having other conversations with employees as I was talking, and having no sense of urgency for a mistake that they made!

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stevoreno
, US
Dec 29, 2010 10:22 pm EST
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My HSBC auto loan was transitioned over to Santander with ease. But the nightmare started when trading in my vehicle. The dealerships finance dept paid-off the balance and I had requested Santander to cancel my automatic payments. But Santander continued to charge me for a vehicle I did not own. Customer service people seem foreign-based, scripted, and very difficult to understand. They refused to help me until they received a fax of my bank statement and a written letter. Ultimately, I had to request a stop-payment with my bank and dispute it while incurring a fee from the bank.

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Alfredo Estrada
Los Angeles, US
Sep 10, 2010 8:25 pm EDT
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Can this company be the WORST!. I spoke with Antonio Sutton ( Front End Manager), at least this time I was given a last name. I was actually told that everyone is on a first name basis. Needless to say, I dont know how he got this position but he should be FIRED. I have never spoken with so many associates who dont have a clue. Why offer online payments if a so called manager cannott give you adequate answers to your questions. Everytime I call this company it takes three calls to get it resolved. I don't know how this company stays in business. They SUCK!

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DrewDFW
Allen, US
Jul 09, 2010 3:23 pm EDT

They also purchased HSBC. I over paid my payoff by $374. They are telling me I didnt and refuse to give me the refund/difference. I have a copy of the Automated Payoff Verification and a copy of the Cleared Check sent by the dealership. When I call they just tell me I am wrong. Someone there is stealing MONEY...

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Mz Lady
Yuba City, US
Jul 05, 2010 3:50 pm EDT

This company took over drive financal and I didn't have any problems with them at first. I've been with them for about 2 years. I have just ran into some financial problems due to a job loss. I have always been on time with my payments and I am getting ready to start a new job hopefully soon! But anyways I called them to ask if we could work something out about my car payment for this month at first the guy I talked to couldn't understand him said I could make a partial payment. I agreed and then called back a week later and stated that I wouldn't be able to make that payment is there anything else I can do they were so rude! they told me there was nothing they could do for me. I told the lady i talked to that I haven't been late at all and I am not even due for my car payment yet and that I am trying to take care of this before it's due. She just kept saying is there anything else I can do for you? I got so mad I hung up on her. How rude can people be? Something has got to be done about those people. And hey did anyone notice when you call them it says there a debt collection agency?

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Idealogist
Fremont, US
May 18, 2010 1:23 pm EDT

My account was paid to current and I was told by Danielle and Tina Campbell that my car loan qualified for a remodification and my payment would reduce and interest rate reduced. So I did every thing they asked over and over again and 59 days later they have still not done what they agreed too. I am sooo sick of them. I call the supervisor and leave messages and faxes and letters with no avail. Santandar is not honorable and lacks professionals with integrity.

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notloyalanymore
Brockton, US
Apr 13, 2010 10:52 am EDT

I agree! HSBC never informed me that they were switching to a new company. I received a letter in the mail instead when I was in constant communication with HSBC. I have a dispute with HSBC now Santander and they are HORRIBLE customer service people. I spoke to seven different people as wall as an ignorant supervisor that talks right over you. They took two payments out of my bank account without my prior approval and I got hit with two insufficent funds. Now they won't give me back the money or the insuffiencent funds because of thier ridiculous tactics. I told them to give me proof that I authorized payments either in writing on voice. He couldn't prove it...instead he yelled and said go contact your lawyer. "We are not giving you back the money. There is nothing I can do for you."

I'm in the process of switching new place because they are beyond shady in thier business practice. I'm also contacting a lawyer and filling a claim with the BBB.

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Rebecca39
Newbury, US
Apr 12, 2010 3:50 pm EDT

Recently HSBC Auto sold my and my husbands loan to Santander and I am not happy at all. I've tried on SEVERAL occasions to make my payment online to which they state that I am already set up under HSBC and that I would need to make a new password. I can't even get into their systems to make up a new password.
So upon calling the 888 number I get the run around telling me I have to file a complaint with their customer service and within 72 hours SOMEONE will get back to me. We'll see on that.
So because I couldn't make my payment online I opted to make it over the phone at a $15 charge. They would not waive the $15.00 fee. Whatever...so I advised the women that my payment is due on the 22nd of every month and that sometime I do not get paid until a couple of days later. She advised me that it is Santander's practices to CALL YOU IF YOU ARE 1 DAY LATE! That is bologne. HSBC gave me a 10 day grace period.
Shame on you Santander Consumer...your practices are not only immoral but down right shady!

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Wifey2G
parkland, US
Mar 05, 2010 8:06 pm EST

Omg! I had sovereign as well and ever since this company (based in MEXICO) took over, I've had nothing but trouble. They send me bills saying I'm missing half a payment, my payoff is MORE than my remaining balance and just the other day I made a payment got the confirmation number and the next day they call telling me I didn't pay! Well thankfully I gave them the confirm # and they found it... BUT the rep set it to be processed the day after it would be 30 days late and it wouldve messed my credit up! I'm going to reapply for this car loan with a different company ASAP! They're HORRIBLE and majority of the employees are GHETTO! NEVER USE THIS COMPANY!

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Santander Consumer USA customer service representatives

Santander consumer usa customer service representatives need to take a customer service representatives course. They are rude and unprofessional. No matter what the situation is customers are always right and you should go out of your way to listen to them and try to help the customer. Santander consumer usa has shown their unprofessionalism toward customers who are in good standing with their loans. My loan was switched to santander in september or october of 2009 and I did not receive notice of this switch until late december early january sometime. I am not pleased with santander consumer usa.

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Bevy
Jenera, US
Sep 22, 2010 9:34 am EDT

I called 'payment arrangements' for Citi Financial Auto and was shocked when I was transferred to Santander Consumer! I've NEVER heard of them before last week. 9/8/2010 I spoke to "Renaldo" asked to defer a payment. He said it was subject to "manager's approval" and tried to arrange an "alternate arrangement" with me. I insisted he pass it on to his manager, and he said to call back in 1-2 days. Appalled, I called back 2 days later 9/10/2010 and the woman I spoke with tried to arrange and "alternate arrangement" with me. I insisted on speaking with the manager whose name was "Carl". I explained to Carl that we are BOTH on LIMITED DISABILITY income, and we used the truck payment in an emergency to get BOTH Brakes and BOTH Rotors replaced. (Both brake pads turned out to be paper-thin rusty sheets!) He seemed to have trouble comprehending what I told him, although his English was excellent. To my dismay, Carl put me on 'hold' to 'see' if any deferrals were available. (As if it was a QUANTITY decision, when it was a matter of QUALITY customer service, which he was seemingly NOT TRAINED in!) He came back to the phone and told me there were NO deferrals available. He then tried to offer me the SAME
"alternative arrangement" the previous 2 agents offered! **This "alternative arrangement" is to make the payment next month! This would be a "double payment" and it is impossible for someone like us on fixed income to accept!** (In thought to myself:) After telling Carl I can barely afford 1 payment, what makes him think I can afford 2 payments? I let out a sigh, and informed him I did NOT like the "alternative arrangement." He said to "call closer to the due date" to make payment arrangements. (As if to get out of being flustered!)

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Tooz
Los Angeles, US
Sep 20, 2010 1:09 am EDT
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From what I understand, Santander customer service reps and collectors are paid very very poorly and the working conditions are poor as well. Given that, there is near zero incentive for the reps to alter their behavior. Santander probably doesn't care as long as their labor costs are low. The only way go get something done is to bug the higher ups there, since it's clear the rank and file employees are unable and unwilling to do anything better...and the managers are there only to keep the employees in line.

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Annoyed with
Citrus Heights, US
Jun 28, 2010 8:58 pm EDT
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Just horrible. I made an on line payment for $218.00 on June 23rd and printed out my confirmation. I called customer service the next day and spoke to representative who confirmed my payment of $218.00 was scheduled for June 25th. Today I checked my Santader account and saw that my account was charged $318.00 dollars instead of the 218.00 I requested. I called customer service and when I asked for an explanation the customer service representative became very rude and started screaming. I asked to speak to her supervisor who was even ruder. I told the woman that I had a print out that verified my payment of $218.00. She told me she couldn't do anything about it and it was my fault and she didn't care. I asked her again why an extra $100.00 was taken from my account and she started screaming at me and hung up. These people are just horrible and the company that employs them is even worse and is dishonest and should be fined for its fraudulent practices.

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Santander Consumer USA holding ocerpayment

I refinanced a truck with well fargo bank and they paid off my loan with santander and while the check was being sent santander took another payment out of my account and it has overdrawn my account the overlimit fees are killing me when I contacked santander for my overpayment they have a 30-45 day wait for me to get my overpayment back. I'm out of money and I filed a complaint with the bbb and they have 22 days to respond someone out there want to laon me a airplane I think I can get their attention if I fly down there and into the main office.

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Santander Consumer USA poor practices

Within the past two years, we used a product from a company as a temporary solution to buy a truck. It was a high interest loan which we intended to refinance. With the current economic conditions, loss of employment etc. We were not able to refinance that loan.in addition, I have recently been deployed to iraq. Under the soldiers and sailors debt protection act we requested that the interest be reduced to the six percent as conditioned underneath that act. Santander has flatly refused to do so.in addition, customer service was unecessarily rude with my wife when she called to follow up on a letter that santander felt uncompelled to answer. We have made approx. 24 payments each and every payment on time or prior to the date it was due. At some point I would think that santander would view us as a good customer. Way to go santander and a outstanding job backing your country.

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dtreash
Fort Worth, US
Oct 14, 2010 1:18 am EDT

Actually, Sandander customer service is in Texas. So is the auto division. They recently bought HSBC's auto divison, which was in NY, I think.
Anyway, it doesn't matter where the company is... If they do business in the United States, they must adhere to all Federal and State regulations.
However, I believe the Sailors Act (SSCRA) only pertains to a mortgage on a primary dwelling, rent if payment is less than 1200, and credit cards. It also delays action on certain civil processions, such as foreclosure, bankruptcy, or divorce

Also, the spouse may still be held liable for the debt.

To learn more about these or other provisions of the Soldiers' and Sailors' Civil Relief Act, contact your unit or installation legal assistance office.

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Santander Consumer USA customer service

Santander bought my car loan from another bank. Although payments were up to date there was a late fee from previous late payment. I tried to pay this twice, the second time it was done to their request (being certain time in the month, clearly labled "late fee") made multiple phone calls to resolve the issue of incorrect allocation of money that should have been put towards late fee. I submitted a request to have fund reallocated. My request was denied.
The disturbing part was the unprofessionalism - being put on infinte hold after asking for a supervisor, misrepresentation (as supervisors) when identifying themselves, and worst was updating my account contact information with their caller id... They called my friend's house (who previously allowed me to use her land line) looking for a payment - that was already paid! How unprofessional!

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CDM52885
Durham, US
Dec 15, 2010 6:04 am EST

I submitted a payment via a check and no one seems to know where the check or the payment went. The amount of the check was taken out of my banking account. I was told I had to submitt a copy of the check for verification. I have faxed them this information 3 times and was told they have no way to verify that this was sent. The accounting department handles this and it is no way to get in touch with them AND I WILL HAVE TO WAIT until they get to it. This has been going on for 2 mths. Santander continue to call and harrass me for a payment and has threaten to repo my vehicle even thou they cant find a payment or have any interst in doing so. When i call to speak with someone about this issue everyone is so rude and obnoxious and not willing to help resolve the issue

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Belveyne
, US
Sep 14, 2011 8:22 pm EDT

It seems I'm in the same ship as most of you. I had my car loan with HSBC Auto and then suddenly one day I'm getting calls from Santander. I fell behind on my car loan by 45 days due to being diagnosed with Leukemia and spending some time in the hospital. I have been dealing with Santander for about 4 months now. I am really confused as to how they come up with the amount of CASH owed on my account. I made a payment every 60 days for 2 months straight and then made 2 payments within one month. From my calculations, I should be caught up. I went to the website and it showed I was 31 days past due, then a week later, it said 63 days past due. It additionally showed my normal payment amount and then over $2, 100 in "FEES". I have no thought what this is. To make matters worse, they continually call me at work. I have advised them that I cannot receive personal calls and to stop. I additionally said this was opposed to the FDCA and I would file a complaint, yet they continue to call at work. I additionally get several calls a day on my cell. The last straw was they called my father last week. Oliver Davila told him that he was looking for me and left a number. He then questioned my father if he was hiding my Jeep at his house. My father said "No, you can come check if you'd like". My father then called me upset and he has a heart condition. I called Santander and spoke with a Supervisor and told her I would be filing a complaint and to never call my father for a second time and upset him. She informed me that my father must be lying because they would have never said that to him. I am at the end of my rope with these people. I will be taking the advice of others and filing complaints with the FTC, my attorney general, and my congressman. I urge all of you to do the same.

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bbutler455
Plano, US
Jun 01, 2010 10:47 am EDT

My collector car loan with Sovereign Bank was acquired by Santander. These people are the worst customer service outfit you could be involved with. ALL my online account information is incorrect and they don't know how to fix it. Their customer service is over-seas and obviously was low bidder for the contract. They haven't been able to send monhtly statements or email notices so you have to remember to make your payment. And if you want to pay online or over the phone you are charged a significant service fee. Most of their loans come from dealers and other companies so be careful and find out who the loan is being placed with. If it is Santader... run away!

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Walter
, US
Aug 19, 2010 1:36 pm EDT

I would not reccomend this company to anyone! If a dealership offers this to people that have fair-poor credit DONT use it! We had 3 occasions were they cashed checks and then NEVER posted them to the account all 3 times I had to fax in copies of the cashed checks and threaten them with an attorney to do anything! Very poor customer service! Then when I traded the vehicle in they sent my overpayment to the dealership that we bought our different vehicle through! That dealership had never heard of any company doing that before!

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T. Driskill
Etowah, US
Nov 05, 2010 2:51 am EDT

I have never been involved with such a group of liars in my entire life.
Santander Consumer USA, does not deserve to have the USA behind their name at all.
They are as the crooks of olden times, smile in your face and stab your back with a smile.
In my opinion every employee in that company should be ashamed to cash their paychecks,
they agree with that companies policies. That is a sad state of affairs.
I have been led on for over 26 days re a deferrment on my payment based on medical situation.
Now, I find out, no there will be no deferrment..well...okay, but they knew this, 26 days ago.
Had they just been honest with me and said "No, we are unable to do this", I would have said "thank you
for your time and goodbye". But no, I was lied to, I was talked down to.
I work hard at my job to pay these sub-humans their pay, as they surely slide/slime their way out of
that building to their cars/homes.
God has a way of taking care of his Children, I am a child of God, All Mighty, He will take this wrong and turn it
around for His good, I know that, I trust my faith in God.
So, Santander, you are not hurting me, you have brought God Almighty down to you.
Stop lying to your customers, treat them with respect as human beings and bring your hearts to the altar
for God.

Thank you,

Blessings,
Teresa

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Done with Santander
Hollywood, US
Nov 10, 2010 2:39 am EST

I had an account with Citifinancial and Santander Consumer took over the account. The service was horrible and one lady was nice in the beginning and i decided to tell the manager how good her service was...Well to my dismay she seem to careless about the compliment and hung up the phone. I was blown away. I had to make several calls to them and all i got was horrible service. I was beside my self and decided to 'REFINANCE' with a local credit union. I know have a lower finance rate from 12% with Citifinancial now to a 7% with the credit union and my credit score aint the best either. I have never been late on my car payment and i refused to give my hard earn money to these ridiculous, rude people. If you can get out...refinance your loan with another company who would appreciate your business. Im so Done with Santander.

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Rich M.
Chicago Ridge, US
Nov 22, 2010 3:24 pm EST

I got a loan for my car from hsbc. Hsbc sold my loan to santandar. I could not keep up the payments due to reduced income and my car was repo'd. When I called santandar to get my possions back, meka from santandar said I had to pay to get back my money and personal possitions. I told her I paid to retrieve my car but she said I had to pay for any personal possion I had left in the car and I had to pay for storage of the car which came out to $250.00 + the 500.00 I had in the car this come to a sum of 750.00 I will be out of. This is not including personal material I had in it. So in toltal to get my car back I will have paid $1650.00

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Izzi 51
Toledo, US
Feb 21, 2011 9:30 pm EST

We had a car loan from this agency. Right from the start, I received phone calls stating that my payments were behind, but I had made them on time from a credit union account. Santander said they never received them, even when I provided proof from my credit union that they had sent the payments. They repeatedly called my cell phone, references, and my employment even after telling them that I could not receive these kind of calls at work. I emailed them and sent a certified written letter. Please do not take out a loan with this agency- it is BAD NEWS!

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hazeldunkel
Spring Creek, US
Mar 19, 2011 5:16 pm EDT

I don't know what the deal is with Santander. We went through a bankruptcy and Santander let us pick any car we wanted. Interest was low compared to other banks. We had a problem with the first payment(gave wrong info by mistake) and the payment was denied. We fell 3 days behind before we realized what happened. We got it figured out and Santander was EXCELLENT! They were very nice over the phone and even waived the $10.95 Processing fee. It's been six months now and have yet to have any problems with them. Everytime we call them with a question they are curtious and will try to answer your questions. My last auto loan was with M&T with a 720+ credit score and we had more problems with them than we have with Santander.

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ADDY0531
Flanders, US
Dec 07, 2010 5:45 pm EST

Since this company was handed over to them from (Citiautofinancial) it has beena night mare.. From customer service to payments. Every time I tried to call them and ask why was I being charge a late fee for 4 months (Ever since I got them) which calculates to the 4 months late fees.. They put me on hold.. And when I tell them since you guys say you record every conversation then go back to the prior conversations and fights that I have had with your company.. I get no answer.. I hate this company now my nect step is the buissness buerue.. And see how they explain the late fees.. And how im getting charge additional 10.95 added to my account! Someone needs to do something about this company! All they're doing is scamming us! Pay attention people

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Santander Consumer USA harassment

Santander has been harassing us by phone for several months trying to collect a debt owed by our son, who does not live with us. It is in regard to a motor vehicle, an avalanche, which our son, edgar e. Smith ii, no longer owns. We are senior citizens and our credit rating is excellent. We have told them that our son does not live with us and we are not responsible for any of his debts. But not only do they harass us by phone on a daily basis, but they come during the night to post warning notices on other cars owned by ourselves and our daughter. We have asked them to stop, but they insist they will keep on calling until they get their money.

Edgar e. Smith, sr.
Theresa a. Smith

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Santander Consumer USA copy of contract once taken over from drive financial

I have sent in several registered letters, overnight requiring signatures requesting copies of my loan agreement that I originally made with drive financial and every time I call they say we will get that out to you today... It has never come!

I one year later still do not have a copy of my financial agreement originally entered into with drive financial!

They both suck and I am seeking an attorney because I do believe that they have their own terms and dinterest rate attached and that is not what I signed! They bought the debt and can't prove it to me that I have a loan with them and the terms... Well then I suppose that I don't owe them any money because they can't provided a written agreement with the terms!

They suck!

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Geminiibaby
River Forest, US
Jun 02, 2010 4:49 pm EDT
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Hi
I actually asked them the same thing and to fax them to me and that was over a week ago. Something just doesn't seem right with this company. What someone told me was to make sure that the contract they have is the same as the contract you have. My payments were suppose to be $509 per month and when I got my first statement it was $709 a month.

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To old for this aggavation
Fernandina Beach, US
Apr 20, 2010 10:28 am EDT

I, also was with Triad, but since this company took over, I don't expect to see my title to my car, as it was paid off in March 2010, and they are trying to get more money out of me, stating" I only paid one half of a payment, which is a lie, as I had the account on Auto Pay.
Hope these people have to cough up misused fund.

Santander Consumer USA Customer Reviews Overview

Santander Consumer USA is a financial services company specializing in automotive financing. They offer a range of products including new and used car loans, as well as auto refinancing options. Their services are designed to cater to individual consumers through a network of dealerships across the United States. Additionally, Santander Consumer USA provides online account management tools to assist customers with the management of their loans. The company aims to provide financing solutions that can accommodate a variety of credit situations.

Santander Consumer USA In-depth Review

In summary, Santander Consumer USA is a financial services provider with a focus on auto financing. They offer a range of products and services, but their transparency and customer service could be improved. Below is a detailed review based on the available information.

Company Overview

Brief History: Santander Consumer USA has established itself in the auto financing market, with a history of providing loans for vehicle purchases.

Mission and Values: The company aims to provide accessible financial solutions to its customers, though specific details on their mission and values are not provided.

Service Area and Locations: They serve customers across the United States, with various locations for customer support.

Financial Products and Services

  1. Auto Financing Options: Santander Consumer USA specializes in auto loans for new and used vehicles.
  2. Personal Loans: Information on personal loans is not readily available.
  3. Credit Lines: They may offer credit lines, but specifics are not clear.
  4. Online Banking Services: Customers can manage their accounts online, though the full extent of online banking services is not specified.

Interest Rates and Fees

Comparison with Industry Standards: Their rates are competitive, but may not always be the lowest in the market.

Transparency of Fee Structure: Fee structures could be more transparent, with some customers reporting confusion over charges.

Hidden Costs: There have been mentions of hidden costs, which is a concern for potential customers.

Customer Service

Responsiveness: Customer service responsiveness varies, with some customers reporting delays.

Support Channels: They offer phone, email, and chat support, but the effectiveness of these channels can be inconsistent.

Customer Service Hours: Support is available during business hours, but exact times are not specified.

User Experience

Website Navigation and Usability: The website is generally user-friendly, but some users may find it challenging to locate specific information.

Mobile App Functionality: The mobile app provides basic functionality, but may lack some features found on the website.

Online Application Process: The online application process is straightforward, although some users have reported technical issues.

Loan Approval and Funding Time

Pre-approval Process: They offer a pre-approval process, but details on how it works are not clear.

Average Time to Funding: Funding times vary, with some customers reporting quick funding and others experiencing delays.

Documentation Required: Standard documentation for loans is required, but specifics are not provided.

Payment Options and Flexibility

Auto-pay Features: Auto-pay is available, which can help customers avoid late payments.

Payment Plans: They offer various payment plans, but details on flexibility are not clear.

Late Payment Policies: Late payment policies are in place, but specifics are not mentioned.

Customer Reviews and Testimonials

Positive Feedback: Some customers appreciate the loan options and customer service.

Common Complaints: Complaints often relate to customer service issues and unexpected fees.

Overall Satisfaction Rating: The overall satisfaction rating is mixed, with both positive and negative reviews.

Financial Health and Stability

Credit Ratings: Credit ratings are not specified, but the company is a recognized financial institution.

Company Performance Reports: Performance reports are not publicly detailed.

Industry Reputation: The industry reputation is average, with room for improvement.

Community Involvement and Social Responsibility

Charitable Initiatives: They engage in charitable initiatives, though specifics are not provided.

Environmental Policies: Information on environmental policies is not readily available.

Economic Impact: The economic impact of their operations is not detailed.

Security and Privacy

Data Protection Measures: They claim to have data protection measures in place, but details are not exhaustive.

Privacy Policy: A privacy policy exists, but customers should review it carefully for specifics on data handling.

Customer Data Handling: The handling of customer data is in line with industry standards, but transparency could be improved.

Rewards and Incentives

Loyalty Programs: Details on loyalty programs are not provided.

Referral Bonuses: Referral bonuses may be available, but specifics are not clear.

Special Promotions: Special promotions are occasionally offered, but are not a consistent feature.

Terms and Conditions

Loan Terms: Loan terms vary and should be reviewed carefully by potential customers.

Early Repayment Options: Early repayment options exist, but may come with penalties.

Service Agreements: Service agreements are standard, but customers should read them thoroughly.

Accessibility and Inclusivity

Services for Underbanked Individuals: They offer services that may be accessible to underbanked individuals, but details are not clear.

Multilingual Support: Multilingual support is available, which is beneficial for non-English speakers.

ADA Compliance: The company complies with ADA standards, ensuring accessibility for all customers.

Conclusion and Final Assessment

Overall Impressions: Santander Consumer USA offers a range of financial products with a focus on auto financing. However, their services are marred by inconsistent customer service and transparency issues.

Recommendations for Potential Customers: Potential customers should compare Santander's offerings with other financial institutions and carefully review terms and fees.

Comparison with Competitors: When compared to competitors, Santander Consumer USA holds its own in terms of product offerings but falls short in customer satisfaction and transparency.

How to file a complaint about Santander Consumer USA?

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3. Writing the Title:
- Summarize the main issue with Santander Consumer USA in the 'Complaint Title'.

4. Detailing the Experience:
- Provide detailed information about key areas of concern.
- Mention relevant transaction details with the company.
- Describe the nature of the issue.
- Include steps taken to resolve the issue and the company's response.
- Explain the personal impact of the issue.

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- Attach any additional supporting documents but avoid including sensitive personal data.

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Contact Santander Consumer USA customer service

Phone number

+1 888-222-4227

Website

santanderconsumerusa.com

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