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Santander Consumer USA Customer Service Phone, Email, Contacts

Santander Consumer USA
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4.2 1 Review 737 Complaints
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Santander Consumer USA Complaints 737

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Santander Consumer USA liars

When I signed up for the extended warranty with santander consumer usa, I was told that everything will be covered, no matter what the problem is, it will be covered under my warranty. When I had issues with my vehicle spitting and sputtering, all the sudden it was not covered. It was some kind of coil. For it to be covered it had to be over a certain amount and on a certain list of things that are covered, not what I signed up to receive. I drive a decent amount of miles to work on a daily basis, so I made certain before I signed any papers that brakes, rotors, brake pads, if the clutch goes out, a/c, I covered all the basis with the salesman that sold me this warranty, and come to find out when I took my vehicle in for service, none of this stuff is covered. What am I paying for? Nothing, just a scam to take my money! I'm a single mother of two boys, with no assistance from their father and no one else, I don't deserve for someone to just steal my money and not hold up to their end of the deal!

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DREAMS01
Martinsburg, US
Sep 27, 2013 1:36 pm EDT

Santander has to be stopped. they will void your contract and make up there own rules Wv please stop them

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2:23 pm EDT
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Santander Consumer USA lies lies lies

In october 2006 I purchased a 2004 ford freestar with a loan though chase bank. The following july, 2007, I purchased a 2005 f-150 through wells fargo auto finance. I had great credit at the time, and had decent interest rates with both companies (under 12%). However, both were for a short term and had pretty hefty payments.in september 2007, I received an email from hsbc auto finance offering to reduce my payments. I thought, "well, i've got good credit, so maybe someone has noticed, and this could be a good thing". Boy was I wrong! The representative for hsbc explained that they could extend my term on both loans, but that the interest rate would be a bit higher temporarily while the loan "seasoned". She promised that if I made 6 months of perfect, on time payments, they would then be able to reduce my interest rates to well below my previous loan rates. I said, "so what are we talking, 10-11%?" she said, "with your credit score we're probably looking at more like 8-9%". I said "great!, let's do this!". She sent me all the paperwork, I filled out and signed everything and sent it back in. Done deal... Right? Not hardly! After six perfect months of payment history on both vehicles, I called in to take advantage of the offer and promise that was made. Hsbc's response? : "we are not permitted to reduce the interest rate on a car loan in the state of ohio." what!?!?!?! Since then, (and today is july 20, 2013) I have been paying 15.59%+ on both cars! My account was sold to santander consumer usa, who has repeatedly been informed of this issue since they took over the loans more than 5 eras ago. Today, someone finally said they will look into it.

Basically what this amount to is over $60, 000.00 being paid on these loans, and I still owe over $29, 000.00 on two cars that are barely worth a combined $20k! Fiscally, it would better for me to just let them come and get the cars, but I have chosen to keep my word, because I signed the contracts. However, I recommend that no one should ever trust anyone from hsbc or santander. Trust me, nobody in their right mind needs a new car that bad!

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8:47 pm EDT
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Santander Consumer USA unethical practices

I have started 2 petitions to help everyone wronged by santander consumers. I am trying to gather everyone (which there are tens of thousands!) who have been wronged by this company and it's bulldozer tactics. I'm contacting their attorneys as well as news stations, please help by uniting us all and signing these petitions to bring justice for every hard working person being taken advantage of by their unethical acts!

http://www.ipetitions.com/petition/stop-santander-consumer-from-abusing-their/

https://petitions.whitehouse.gov/petition/stop-santander-consumer-abusing-hard-working-americans/Mcjv6Vd2

Since the very beginning santander consumer has been misinforming and deceiving my sister and I regarding our loan, resulting in thousands of dollars applied to interest rather than principal. Many of these payments were representative advised, and we were directly told would be in the best interest of the loan. A direct result of santander consumers' inability to communicate their practices to their consumers accurately, we have suffered financially, mentally and have been forced to waste a monumental amount of time. Whether it was intentional deception or incompetence, santander consumers' completely unethical business practices have made it impossible for two hard working americans to conceivably pay off this loan.

When requesting mailed documentation regarding the loan, fees, applied payments and interest, we are given the run around, ignored or our calls are simply terminated. Which is funny because try being one day late and see how many harassing phone calls you receive from them. This has made it very difficult to seek legal advise. Hundreds of phone calls (all documented) have transpired with representatives constantly misinforming us. We want nothing more than a fair obtainable loan, for our past representative advised payments to be applied to our principal balance. We plan on continuing to follow up with whatever parties are necessary until this issue is resolved.

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Santander Consumer USA their error that goes on and on

I paid off my 7 year auto loan with santander in the spring of 2012. It had originally been with citibank, but they sold me over to santander a few years in.

I had them on auto-pay for years, never missed a payment. I felt that my car should have been paid off in february 2011, but they took a payment in march and another in april. I called them to see when it would be paid off, and I was informed that I had one payment left and that they would not and could not take it automatically, that I had to mail them a check. I felt uneasy about it, but pulled two money orders for the total amount they requested. One was the amount of my loan payments and one for 'extra interest' I guess, and mailed them off.

Within a couple of days of that they did indeed run a payment through my checking account which was returned. I called them as soon as I saw it hit my bank, told them that they certainly had the money orders or would any minute now. They said, don't worry, it will all work out.

They 'misapplied' one of the money orders, or maybe the returned payment made its way onto a list of customers to call and abuse. I had to order the cancelled money orders and mail them copies, which I did immediately.

The next 6 weeks were hell. They called at all hours, twice they woke us up at night, they tried to trick my husband into making another payment. When I told them "why would I pay perfect for 7 years, then not make the last payment" half of them said "your right, excuse the call" and half of them were abusive and just seemed to be enjoying harassing someone.

In the meantime I had to pay for the returned check fee and the money order request fee. I got my copies, mailed them off and the harassment stopped.

After that part of the mess was over, I found, mixed in my pile of collection letters from them, my title and a congratulations and thank you for paying off your loan letter dated for the week they got the money orders. They knew all along it was their mistake.

If you look at my credit file, it looks like I stopped paying in january. Not true, and I can prove it. I paid on time, in full, every time for 7 years.

To this day I am still fighting with them to get my credit bureaus straight. They have never apologized for the abuse or for their mistake. I have a letter from them saying very vaguely that they would correct my credit but not saying why or what.

So, they made a mistake, abuse med, made another mistake (although it feels like it was on purpose) on my credit bureau.

One of my credit cards reduced the amount that I can charge, siting this issue. That hurt my credit. Too. It's like a never ending domino effect that only hurts me.

If I were to get another car loan, which I would like to do right now, banks would charge me higher interest. That is so unfair, that they control my credit rating even when they are wrong.

If i, a customer who paid for 7 years without missing a beat, have been this abused and mistreated, there has to be a class action lawsuit out there. Or at least a lawsuit for me. Where do I find a lawyer for this type of situation?

Thank you, bridget

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Santander Consumer USA over charging a loan

I started out with a loan from hsbc and then it was sold to santander in march 2010. It seemed like forever my payment would not go down. I called several times asking why and their response was it's a simple interest loan and interest charged after the end of each month. When I purchased my vehicle it was for 72 months that' is what I expected; this was back in 2005. Today i'm still making payments even after 8 deferments and its 2013. I know that i'm being bilked have another vehicle purchased in 2011 balance owed on this vehicle is only half the amount more than what i'm paying I think that it so crazy. How can the balance of a vehicle purchased in 2011 almost the same price be near the balance of a vehicle purchased 8 years ago and still paying. I should have purchased an bentley if i'm going to pay for a car with the life of a house payment.

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walsh68
Cottage Grove, US
Mar 04, 2015 7:26 pm EST
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36 months of payments and my principal only went down $100, the loan will nver mature.

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Santander Consumer USA overcharging interest rate on home equity

Do not by any means take out a home equity line of credit with them with their 2.24 rate bonus for 12 months. Took out line in july 2012 and have had nothing but problems with being overcharged at 3.99% I get no help from either branch or call center. They completely tell a different story with each contact and no one knows what they are talking about as is proven with monthly billing notice we receive. I have repeatedly asked to speak with someone higher up the command line and have not been given the opportunity to do so. We are at our wits end with it all. I was a former bank mgr with bank they acquired so I know about lending practices. We actually had our own lending authority to approve our loan applications, something branch personnel do not currently have. I have to explain to current bank personnel how it works and what things mean in the system because they don't have a clue. Anyone else in same boat? We are at wits end and are considering class action lawsuit as we are told by sovereign personnel it is affecting many accounts and it is a system problem. Goodness sakes they must have offered the product before they even had system capabilities to handle it. They must not have any it staff at their corporation that knows how to fix the problem.in the mean time, customers get the run around and told many ridiculous stories when you try to stop the overcharging. Unbelievable to say e least.

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Santander Consumer USA not apply extra payments properly

I have an auto loan with santander in dallas, tx. The interest rate is extremely high so I am trying to pay off the loan early. However, when ever I send in an extra payment, 50% of the payment (sometimes more) goes towards interest. I call them and ask them if there is an early payoff penalty and they tell me no. They say that all I need to do is mail the extra payment with a letter stating that I wish to have the payment applied to the principal. I have done this twice. The first time was in january. I paid an extra $400 (above my normal monthly payment) and $220 was applied to interest. I called them and they said that they did not receive anything stating what to do with the payments so it was applied like a normal payment.
I once again verified that I could pay off early without penalty. She told me that there was no problem with that. She said all I need to do was to mail the check with a letter stating to apply overpayment to principal so the next time, I sent an extra payment I took a picture of the check and the letter and then mailed to santander requesting the overpayment be applied to the principal. Once again, 50% of the over payment went to interest. I have sent emails, letters, and phone calls. I am at my witts end as to how to pay off this loan as 50% of the load is going towards interest. My concern now is that none of the payments are being applied properly. Is it even legal to apply 50% of overpayments to interest? I was going to upload the pictures I have taken but since the include my bank info I didnt want it posted openly to this website. However, I do have pictures of the letters I have sent to prove my case

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Santander Consumer USA bad customer service and record keeping

Santander was great to "give" me a loan at 13% (eye roll) because I had some past issues on my credit report. Had to file bankruptcy but agreed to keep paying on the auto and retain ownership. 3 years later, I try to get them to report on my timely payments and they won't due to the bankruptcy. Fine... So I decide to trade it in and get a new auto. I had to make 4 calls in one day for the payoff amount. Each person told me something totally different than the one before. Person #1 said my payoff would be faxed within the hour. After 5 hrs, I call and speak to person #2 who says that they aren't sending out payoff letters due to their legal department reviewing the payoff letter text. What?!?! I ask if I can have the dealership call them to get a payoff. And she said sure... I gave her the name of the dealership. Dealership calls about 20 minutes later and santander won't share it. I call back and speak to person #3 who says that they have no record of me authorizing the dealership. Ask to have them added and was told it was done. Dealership calls me again. Can't get the payoff. I call back and speak to the person#4 who says that my payoff/payment history would be faxed tomorrow morning but would add the dealership's name. What?!?! I though you couldn't do that. "oh, it is a first come/first serve where we fax your entire payment history and payoff to the dealership". Told him to cancel that as the dealership would be calling. People jerked me and the dealership around for the entire day. And I found out that jackwagon #4 didn't cancel the fax as the dealership got it this morning. Add to the over-the-top interest rate, customer service that doesn't know its head from a hole in the ground and their inability to refinance/defer a payment if an emergency happened. I'd stay away. Capital one gave me a loan at 8% and is a lot more with it.

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Santander Consumer USA over charging, adding fees, and late fees

Attention all california residents with complaints against santander: I submitted my complaint to the california attorney general office. They are investigating santander. Please submit all your complaints to them. The more complaints submitted, the more likely they will make them pay!

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bjmedlin
Trenton, US
Jul 21, 2013 7:51 am EDT

We are going thru this now.We have a car loan made in 2007 on a dodge truck for 16, 000.00.We have paid a total of 28, 000.00 and thought our loan was paid off but now they say we owe another 7400.00. we have not gotton a anwer of how we can owe so much.They say its for extra charges.They told us that when we got a deferrment instead of one payment deferrment they automatic make it two.Our loan was for 5yrs and we are still paying how can they do this?Even with their records our car should have been paid off in feb of 2013.

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meBiglarge
Los Angeles, US
Mar 26, 2013 2:05 pm EDT

me wonce pootanay, me wonce yo lady hump. Me wonce to luv u lone time

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Santander Consumer USA Join in on the class action lawsuit

Join in on the class action lawsuit against santander consumer us! It will put a stop to this madness and unfair charges that they are charging people due to taking over a loan from hsbc, citifinancial auto, etc. Santander charged me interest on deferred payments that I had with cifinancial before they accured the loan. They will not show me documented charged and the amount that they charged me, they just told me I owe an addtional $6, 000 after my loan is payoff on 5/13/2013. This is unfair to many americans today. We seriously need to put a stop to this company!

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msayala13
Corona, US
Sep 21, 2022 6:07 pm EDT
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My son got financed thru santander in 2019 at age 19 had no credit was first time buyer with only $660 a month income. I dont know how they financed him with $515.00 amonth payments. His car got repossesed and there has to be something done about this.This is unfair and they know exactly what there doing.If i could have information on how to persue this and join this lawsuit. thank you

My email is chelaaa13@icloud.com

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Moe8008
Talladega, US
Jun 09, 2022 7:38 pm EDT

Got paperwork saying I owe 1,512 to catch up my account I paid 1,500 and now they saying I owe 1,200 and I’ve informed them I’ve been out due to multiple surgeries they noted it but still not working with me in the hardship program. I’m paying to much a month for a 2018 (619.63) it’s like they juiced my income and gave me Santander when I said to send me back to whom I was financed with before my trade in.

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Coretta Jernigan
US
May 25, 2022 8:13 am EDT

I'm in the same position i bought my car in 2015 for 22,500 and have paid 46,000 and they say my pay off now is still 17,000 how is that possible please help

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Api2008
Spring, US
Apr 01, 2022 10:48 pm EDT
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I would like to join the class action lawsuit! I purchased a car back in November of 2018 and all the payments I’ve made have only went towards the interest, maybe only 1 or 2 payments went toward the principle. I lost my job in March 2020 due to the pandemic so surprisingly they helped during that time. Well, the pandemic is still going on because I got it twice and was out of and my husband lost his job and then he also got Covid as well. My cars engine went out in October of 2021 so I haven’t even driven since then. We can’t even afford a new engine because we are catching up on our other expenses and had to give our renters $3500 to avoid eviction so it’s been really hard to catch up with my car note. They say if I make 2 payments they’ll be able to assist me. When I make the 2 payments, they say I need to make 2 more payments before they can help me and that my car is out for repossession.

I would like for them to give me my title for giving me a car loan with a ridiculously high interest rate and high monthly payment when I was only making $1700 a month and I was a new mom and my monthly was $568?! Please help me be be apart of this lawsuit! I’m located in Texas and my loan is with Chrysler capital and that is a parent company with Santander Consumer US

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Marcheaa
US
Jun 05, 2022 11:24 am EDT
Replying to comment of Api2008

same here omg exact same

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Lidz505
Albuquerque, US
Jan 29, 2022 3:40 pm EST

Til this day Santander takes almost every payment to interest it’s been 5 years and I’ve only paid $1500 to principle. It’s ridiculous regardless of the lawsuit they are still doing the same thing ripping people off. The sad part is it people that are barely making in life and too take even more then what we have is sad. This will be my second repo through santander and after just having a baby I can afford to get my car back this time. It’s horrible I hate Santander.

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Sabrena Clem
US
Feb 08, 2022 9:31 am EST
Replying to comment of Lidz505

Email me breenagirl11@gmail.com

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Lovelyleza
Stockton, US
Jan 19, 2022 12:39 am EST

August 2021, nissan sold me a car with $3000.00 down, I had no job was ready to start threw a temp agency my credit score below 500, and I was approved with $3000 down and monthly payments of almost $500 a month, now being denied 100 times from other dealerships and then finally you get approved for the loan! drive the car off the lot and life is wonderful! oooopppps brakes! nope the worst of the worst loan company ever, they are a scam, they prey on us, and they will repo your car without notice! they need to be shut down and burnt, we need to stick together and be serious about going after them, we are the mouths, we are the social media, we all are going threw the same thing, we need to come together and take them down along
with there buddies the dealerships! they get a big chunk of the money from just louring us in then feeding us to them, we are strong and can do this, dont let them get away with murder, lets fight, lets protest, lets get them to hear our voices and tell them we are not gonna take it anymore! they apparently didnt learn there lesson from the first class act filed in [protected] because as of 2021 they are still willing to keep giving loans to people that surely dont fit the criteria! shut mouths dont get fed! email is lola2020lisa@gmail.com i'm from stockton california and i'm fighting back for what is right! we all got screwed and we need to hit them where it hurts!

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Butterflywingz1974
Ny, US
Feb 05, 2022 7:59 am EST
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Replying to comment of Lovelyleza

They repossessed my car last night I need to know more of what to do I wish I knew they were scammers.I had a poor credit score my aunt seen my situation and own her own gave them down payment my score was lower then 560 my car payments are in the $600 price monthly.They were aware I was trying to receive some financial help through this program I spoke to them last week notifying that I was in process of getting help to pay the amount past due they purposely last night took my car but all the time before they didn't budge to repossess it.I am clueless to their way of doing things.My first car I was ever approved for financing they straight play on Individuals I see.

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Sabrena Clem
US
Feb 08, 2022 9:28 am EST
Replying to comment of Lovelyleza

I will be sending you an email to discuss a similar situation with my daughter and her loan through Santander.

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Sabrena Clem
US
Feb 08, 2022 9:30 am EST

Emailed me breenagirl11@gmail.com

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Booskiepae
Spiro, US
Apr 01, 2022 2:29 pm EDT
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Replying to comment of Lovelyleza

I completely agree! They repossessed my car the day after thanksgiving in 2021! and I called them to let them know that I would be able to pay a few days after thanksgiving and I woke up the next day and my car is gone I called them and they said that the person I spoke with before didn’t leave a note stating that I said that…. I just got a letter in the mail saying that my auto finance contract was sold to NCB Management service March 24, 2022 and its bull crap….. the more money I paid the less my loan went down the car was originally $11,088 but once I kept paying my loan kept getting higher it’s like no matter how much I paid I was still in a hole with them. I completely hate Santander and I wish someone could help me

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L.Anthony
JACKSONVILLE, US
Jul 01, 2022 11:06 pm EDT
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I am experiencing the same problem. I fell on hard times financially...and I am trying to get back on track- so they denied be the opportunity to get my vehicle back with repo fees, so if I want it -i have to pay it off in full.

They don't care! I wish you the best!

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Brock Smitherman
US
Aug 25, 2021 4:28 pm EDT

I would also like to know if I qualify for this lawsuit... the truck I have was supposed to have been 6K but wound up being like 18k for payoff...

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Shannon W Green
New Orleans, US
Nov 30, 2021 7:01 pm EST

I would like to join anyone of starts a class action suit or is aware of an existing suit currently in process

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Monica Coleman
Uniontown, US
Aug 17, 2021 12:26 am EDT

How can I join in on the class action lawsuits

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Mark Ellis
US
Aug 14, 2021 11:38 pm EDT

I am going through this with santander right now
Would also like to know how to get a lawsuit against them also, they want to take my car for non payment after 2 months, which I understand but I did call them and explained that I was waiting on a payment from my stock option from work. I explained that I would be able to pay off the loan in full when I got the money. T next couple of days I got a letter stating that they were coming for the car .total RIP off company.

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Anita Jackson
GREENVILLE, US
Jul 25, 2021 8:05 pm EDT
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I had Santander financed a vehicle for me and I ended paying double the price for the vehicle. I want to know how do I join the lawsuit

Anita Jackson

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Butterflywingz1974
Ny, US
Feb 05, 2022 8:03 am EST
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Me as well I need help asap they took my car knowing I told them last week I had a arranged assistance through a church that was in process to help me due to my financial situation.I understand I needed to pay and I notify them that I was in process it would take few days and they purposely did what they did to make more by taking my vehicle

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Santander Consumer USA Payment,late fees,and wrong payment history

This auto finance company first of all gave me pear hell when and before the auto loan was closed, I purchased the auto in 2/19/11 the deal was not sealed until May 2011. in late May the auto broke down and I had to raise Holli hell to have the dealer fix the repairs, then in August 2011 battery for auto needed to be replaced, the dealer had a rusted battery in the car. this is way I take my darn time paying them on time, this car was not certified like the salesman manager told me and the owner, they tried to repo my car in May 2011 I fought them and kept my car, they charged so many fee's that is not readable in my sales contract, it's terrible how the state of Texas let this business stay open and operate such practice's nationwide, in September 25, 2012 auto breaks down again, costing me over $1, 000 in repairs and last year when the dealer fix the repair that I have mention earlier in this complaint was $993.00 and plus the warranty they sold me at the dealership was worthless .$1, 799.00 for a darn warranty that was no good. come on people, let's get this bank out of operation. they are ripping hard Americans off their hard earn money. I be DA-- if I continue to pay this high a-- payment! no-way something has to be done. I know they over charged me and now I'm looking for an Attorney who can go after them and don't be afraid. this is my strong complaint

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your moms pimp
bula, US
Dec 19, 2012 3:33 pm EST

If the dealer sold you a lemon its not santander's fault. I am a customer of santander consumer USA and I have never had any issues with them in two years.

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Santander said that by me being later I am going be charge 12.95 every 10 days this not in my contract I suppose to be charge one flat late charge 12.95 not 12.95 a day my original loan was with citifinancial my car if due for payoff 10 /2013 now it toward the end and they are trying to charge me extra money please help me

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Santander Consumer USA mishandling of loan payments

For an entire year santander has mis appropriated funds, missing payments of checks that were cashed by them and not applied. I was asked to fax proof of payment by my bank and I did... Mistakes are are continuously made. I'm given instructions on how to send checks with notes attached to pay principal only as i'm paying my car payment and a half a payment still they can not get it right. Accounting is incompetent or I am being scammed. September was the worst, I sent 3 checks totaling 1, 100. One payment was missing and the other two payments were applied to some else's account. I noticed my balance was not going down and had to fax copies of payments from my bank to prove I paid. I'm paying more than I should cause I want to get away from this company asap. They are making it very complicated.

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Santander Consumer USA poor customer service

I had a vehicle that was originally financed through hsbc that was sold to santander after paying the loan off I received an e-mail stating that I would receive my release of lien within 30 days of 7/24/2012. After waiting more than 30 days I still had not received the paperwork. I called and spoke with a representative who told me that they would mail one out. Waited again, still no release of lien. I called again, after about 30 days and still no release I called and was told that they would mail one out and have one faxed to me. You got it, no fax or mailed copy. I called once again today and was told that since it had been over 30 days that I now had to go through a web-site and pay a fee. Makes me really wonder if this was not what was going on all along, to get me to have to pay a fee to get my release of lien. Oh and when I asked to speak to a manager I was told that no one was available and to call back in an hour. I have paid thousands of dollars over the years i'm not paying any more once I finally got the crooks paid off.

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ARELIS PEREZ
Perth Amboy, US
Jan 10, 2011 11:33 pm EST

I WAS LATE 30 DAYS DUE TO FINANCIAL/ MEDICAL ILLNESS. I CALLED CUSTOMER SERVICE, THEY WERE VERY RUDE NOT WILLING TO WORK OUT A PAYMENT ARRANGEMENT OR GET AN EXTENSION ON APPLYING IT TO MY END OF MY CONTRACT. I AM DISAPPOINTED BY THE WAY I WAS TREATED AND I WILL NEVER DO BUSINESS WITH THIS COMPANY EVER AGAIN.

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India costello
flintshire, GB
Oct 22, 2011 7:43 am EDT

They also say in their terms and conditions they wont break the law!...theres a statement in consumer law saying they have to abide by this statement, in actual fact they dont! They have actually admitted they have decieved myself as a customer and broken the law!..what they say or their terms and conditions or any contract can be breached by santander if they possibly can do it...and not get caught!...Ive been a customer week and had my account seized as i made a complaint...now they have barred me from all access to my account, this is how vindictive they are !..they have tried to blame me like im a criminal..ive been treated like one and barred from my own account!..without a reason!...they are more than rude to people...when they decide its payback time they will make hell for you!...they should not be allowed to do this but they are getting away with it every day!..all because most people cant afford an attorney!..uk:solicitor.

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Santander Consumer USA payment fraud and contract minipulation

We agree with the recent complaints against santander consumer usa! We are having many of the same issues. My loan started with wells fargo back in 2008, then passed to citifinancial group, which we are being told changed their name to santander consumer usa. When the name changed, apparently so did my original loan amount. How can they change my original loan payment agreement to a higher amount without my acknowledgement or consent? My payments were 729.00 and I was on time with all payments, how do I go from a contract owing 31, 000.00 to owing 38, 000.00 after months of payment 729.00? But when we figure all the payments and fees we have already paid them will over 31, 000.00 and headed toward 45, 000.00! This lender is taking advantage of consumers, we feel trapped by this loan and just want out! The car is falling a part and every car dealer we've tried to trade the car in with will not touch it due to the company, they don't want to deal with them at all and will not touch the vehicle for that reason only.

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Patricia May Moore
Midfield, US
Nov 30, 2014 7:03 pm EST
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This company is doubling your late payments. They don't apply your monies for late payments I was told. They apply all of your money to where they want to. They cashed a check for a payment, with all of my contact information on it . I had omitted one number on my account. I sent them a copy of the check that they cashed, and they refuse to correct my account. Charging for fees that shouldn't be on your account. My next course of action will be to contact a lawyer.

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Santander Consumer USA car loan

My grandson is in the marines and stationed in nc. He bought a truck and it was financed by santander by the dealership. He has had nothing but troubles with santander. He set it up to pay automatically and sometimes they did it and sometimes they didn't. They called all the time but mostly they called me and I live in nevada. He finally went to his own bank and refinanced with them, which was great. Santander took a whole month before they would settle the closing and after they excepted the check for the refinance and sent the title to the new bank they charged my grandson $700 in fees with no documentation, just a charge. His credit report as of aug 14, 2012 shows that he has 3 late payments (which he doesn't) owed and still a balance of 20, 000+ on the account even though it has been closed since februrary, 2012. His bank is having to deal with santander because you can't get ahold of anyone who has a clue what is going on other than what is on their computer screen. This company is a disgrace and should be sued for fraudlent business practices. I hope the better business bureau has a file on them. Please no one else use them

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sad single mom
US
Apr 29, 2010 5:58 pm EDT
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bought a kia sorento from lehmann toyota financed by triad financial without my knowledge they sold my contract to santander these companies are ripping me off almost finish paying for by next year no matter how you pay there is always a late fee that is going higher and higher every month only a minimum of payment goes toward the principal the rest toward financing an 18.000 dollar car cost me almost 30 something thousand dollars i call that a rip off

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Malissa Angus
Brooklyn, US
Apr 12, 2011 12:55 am EDT

Santander needs to change their policies. I was late on my payments and tried to bring my account up tp date. I was given the option to take a settlement. I f I did not pay the $7000 with in 30 days my car would be taken. I met my payments. Now when I ask for the title I was told 5 days. I called back and was told my loan is not charged off and I had a balance. I was also told by Jason Chapel there was no recipt I could get stating I met my agreement. When I asked for the manger above him, he did not want to disclose this information. The practices need to change.

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sandbrudd
Park Forest, US
Aug 10, 2011 12:06 am EDT
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we have a car loan with these people, and they continuously call all hours of the day and nite. When I do answer I hear a click and then get a dial tone. Now today they called my husband at work when we told them we can not be called at work,

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ethos
Somewhere TEXAS, US
Aug 14, 2012 10:21 pm EDT

BBB is a toothless useless dog. FTC, your and their state AG and FEDERAL law are your powerful allies. Go to debtorboards.com and post your question. Those guys will help you to straighten out this mess. Tell your son to look at daveramsey.com he can listen to his money advice show online as well. it's pretty good stuff.

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In My Opinion
Baltimore, US
May 04, 2010 10:00 am EDT

I guess you never heard of Simple Interest Financing.

Late fees are assesed when you are LATE. It is different in each state. In my state of MD there is a 15 day grace period on late fees.

As far as the interest, that is calculated daily. Your payment is determined as if you paid each payment ON or BEFORE the due date. If you are even 1 day late, it will throw the interest off. The higher the interest rate the higher the interest. As your net princple balance goes down ... the daily interest will go down as well.

Plug your numbers into an amoritization table to see where your loan should be ... Now compare that to where your loan actually is. You probably will have a big balloon payment at the end.

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Santander Consumer USA payment fraud

I dont owe but $1, 900.00 on the dodge caliber but santander says I owe $4, 000.00 I know thats not correct and im having problems with the car. So, something has to be done to stop them from ripping people off. Anthony b.

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hatethiscar
West Palm Beach, US
Jul 29, 2013 8:46 am EDT

I too have a crappy 09 caliber financed by santander. The car no longer runs, is out of warranty and i cannot afford 2700 to fix it. So im stuck with a pos car i cant use, a payment and insurance. At my wits ends. Im about to tell them to come get the car but dont want to ruin my credit. -Torn

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Santander Consumer USA resolving fees

I have belonged to a federal credit union for 25 years, but like to keep a local bank account.

When the manager signed me up, he neglected to tell me that you can have your account set not to authorize a payment if the funds are not available. I didn't know there was an od for almost two weeks. Then, I disputed some of it.

Their phone c/s person gave me misinformation and more fees were added. Then, a sustanined overdraft fee was added. I left messages and finally sent a certified letter to their reading office. Who's on vacation, etc. By the time I got to a human that was going to settle the matter, they closed my account and turned it over to collection, but couldn't tell me what firm. I don't want that on my credit report.

Everyone tells you they can't help you and pushes you off to someone else. Called the branch today to settle it and will fight them for a refund later. Manager doesn't call me back — same guy that signed me up for the account.

The people at the branch are nice. C/s is the pitts. Put your money under the mattress or in the wall — you'll be safer from unfair banking practices.

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Santander Consumer USA payments

I have been paying more than I am supposed to every month, and I have either called or used the chat option on their website to let them know that the extra payment I am actually making should be towards the principal. The first request was back in march, I have called them again a couple of times, and they a;ways tell me that the request is already in. Now we just started august, and my next payment is scheduled to october the 14th. When all those payments should had gone towards the principal. Whenever you call, it is always somebody explaining that the interest should be satisfied, as if I had not gone to college for finance. I do understand that, but why should I pay the interests all the way to october, when we have not even started september?
This is getting ridiculous, and I really plan to take care of this.

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JOHNNY 2 FEATHERS
MARION, US
Sep 20, 2012 8:07 am EDT
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SANTANDER IS THE BIGGEST FRAUD AND RIP OFF COMPANY EVER. THEY NO LONGER ANSWER THEIR CUSTOMER SERVICE LINE AS CUSTOMER SERVICE THEY NOW ANSWER AS SANTANDER REINSTATE. THIS COMPANY IS IN BUSINESS STRICTLY TO TAKE YOUR VEHICLE AND SELL IT, NOT HELP YOU PAY IT OFF. MY VEHICLE WAS PAID IN JANUARY 2012, AND HAD BEEN PAID FOR 2 YEARS BY A DISABILITY INSURANCE COMPANY AFTER MY HUSBAND HAD 2 MAJOR STROKES. THEN THE CALLS STARTED FROM SANTANDER THAT I OWED ALL THIS MONEY, BUT THEY COULD NEVER TELL ME WHERE THIS BALANCE WAS COMING FROM. THEN LAST SATURDAY AT 3:00 A.M. THEY SHOWED UP WITH THE SHERIFF AND TOOK MY VEHICLE. FROM THAT POINT ON EVERYONE LIED. THE REPO MAN TOLD ME WHERE THE TRUCK WAS GOING AND THAT IT WOULD BE THERE FOR 20 DAYS AND THEN I WOULD GET A LETTER FROM SANTANDER. NOT TRUE. WHEN I CALLED SANTANDER THEY REFUSED TO SET UP PAYMENTS SAID IT HAD TO BE PAID IN FULL, AND SAID I HAD TO PAY OVER $4300 . I GOT THE FINANCING IN ORDER AND CALLED THEM TO SEE HOW THE PAYMENT COULD BE MADE AND WAS TOLD MONEY GRAM WESTERN UNION OR DEBIT CARD. I ASK IF THE BANK THE FINANCING WAS COMING FROM COULD WIRE IT STRAIGHT TO THEM AND THEY REFUSED, SAID WE DON'T DO THAT?WHAT COULD BE MORE SECURE THAN THAT. GOT THE WESTERN UNION DONE CALLED SANTANDER 45 MIN LATER TO SEE IF THEY HAD THEY DID SENT RELEASE TO THE HOLDING LOT AND I MADE SURE I STAYED ON THE LINE WITH SANTANDER WHILE THEY DID THAT SAID TO GIVE IT 3 TO 4 HRS TO GET TO THE LOT I ONLY WAITED 45 MIN AND CALLED THE LOT AND THEY HAD THE RELEASE AND SET UP A TIME FOR ME TO GO GET THE TRUCK WE WERE AT THE LOT SIGNING PAPERS TO GET THE TRUCK AND WITHIN 2 MIN AFTER WE GOT THERE A MAN CAME IN AND WAS THERE TO PICK UP AND TAKE OUR TRUCK. THEY LOST ON THIS ONE AND WE DID GET OUR TRUCK BUT THE DAY WE DID SANTANDER DID EVERYTHING IN THEIR POWER TO DELAY US GETTING THERE SO THEY COULD GET A DRIVER THERE BEFORE US. THIS COMPANY IS A HUGE RIP OFF AND DO NOTHING BUT RUIN PEOPLE'S LIVES AND TAKE THERE VEHICLES, THAT IS WHAT THEY ARE IN BUSINESS TO DO NOT HELP YOU. DON'T TRUST ANYONE IF YOUR VEHICLE GWETS REPOSSESSED. YOU ARE THE ONLY PERSON WHO WANTS TO HELP YOU, NOBODY ELSE DOES

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Santander Consumer USA customer service harassment

Citifinancial sold my vehicle loan to santander consumer usa and it has been terrible. If the company doesn't receive your payment on the exact due date the phone calls begin. When I say begin, I mean begin 9 a.M. And ring almost every 2 hours up until 9 p.M. I was having financial issues and just couldn't take being called like they had me on speed dial. Solution: I pulled the company website up, went to "about", then "contact us" and sent an email to an office where someone actually took action. I told them that I know and understand that I owe them each month for my vehicle but I was having financial issues and me receiving 50 calls a day is not going to help them get any money any faster. I really just wanted the constant calls to stop; nonetheless, I got something better. I received a letter in the mail stating that the company would cease and desist in contacting me - I didn't even receive a monthly payment coupon in the mail again. Hope this solution will help someone else.

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Why s
Masontown, US
Dec 07, 2012 7:29 pm EST

Have they came for your vehicle yet?

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Why s
Masontown, US
Dec 07, 2012 7:29 pm EST

Did they come for your vehicle yet?

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DuWayne Jones
Roscoe, US
Sep 07, 2012 9:01 am EDT
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We agree with the complaint! We are having the same issue. My loan started with Wells Fargo, then passed to CitiFinancial Group, which we are being told changed their name to Santander Consumer USA. When the name changed, apparently so did my original loan amount. How can they change my original loan payment agreement to a higher amount without my acknowledgement or consent? My payments were 729.00 and I was on time with all payments, how do I go from a contract owing 31, 000.00 to owing 38, 000.00 after months of payment 729.00? but when we figure all the payments and fees we have already paid them will over 31, 000.00 and headed toward 45, 000.00! This lender is taking advantage of consumers, we feel trapped by this loan and just want out! The car is falling a part and every car dealer we've tried to trade the car in with will not touch it due to the company, they don't want to deal with them at all and will not touch the vehicle for that reason only.

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About Santander Consumer USA

Screenshot Santander Consumer USA
Santander Consumer USA offers auto financing and lending services. They provide loans for new and used vehicles and offer refinancing options. Their services are accessible through their website and network of dealerships. Customers can manage accounts online.
How to file a complaint about Santander Consumer USA?

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Overview of Santander Consumer USA complaint handling

Santander Consumer USA reviews first appeared on Complaints Board on May 9, 2008. The latest review Avoid Santander Consumer USA at All Costs was posted on Mar 25, 2024. The latest complaint Avoid Santander Consumer USA at All Costs was resolved on Mar 25, 2024. Santander Consumer USA has an average consumer rating of 2 stars from 2572 reviews. Santander Consumer USA has resolved 241 complaints.
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  1. Santander Consumer USA Contacts

  2. Santander Consumer USA phone numbers
    +1 (888) 222-4227
    +1 (888) 222-4227
    Click up if you have successfully reached Santander Consumer USA by calling +1 (888) 222-4227 phone number 0 0 users reported that they have successfully reached Santander Consumer USA by calling +1 (888) 222-4227 phone number Click down if you have unsuccessfully reached Santander Consumer USA by calling +1 (888) 222-4227 phone number 0 0 users reported that they have UNsuccessfully reached Santander Consumer USA by calling +1 (888) 222-4227 phone number
    Customer Service
  3. Santander Consumer USA emails
  4. Santander Consumer USA address
    P.O Box 961245, Fort Worth, Texas, 76161-1245, United States
  5. Santander Consumer USA social media
  6. Rachel
    Checked and verified by Rachel This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Jun 13, 2024
Santander Consumer USA Category
Santander Consumer USA is ranked 14 among 260 companies in the Financing and Loans category

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