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Santander Consumer USA
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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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Santander Consumer USA reviews & complaints 738

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Newest Santander Consumer USA reviews & complaints

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C
11:02 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

Santander Consumer USA finance from santander

I brought a Saab truck and was financing though Santander and paying on the truck good for a long time charges never went down after paying on truck for a year it was horrible dealing wit this company I have all my info please help this is my payment agreement finance charges not on here as of now they are saying I owe 7000 after I let truck go u pay twice for the car now I am being threatened

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G
9:51 pm EDT

Santander Consumer USA auto loan rip off

I bought this used car back in May 2015 due to my disabled mother, and I was told by the sales rep at Victory Honda, That i can refinance it after 1 full year of making payments in the amount of $513.12 at 27% interest plus western union fees $2.50 each month. I've tried to refinance this Honda Civic almost every other car dealerships have told me that Santander consumer are a bunch of crooks and they will never do business with them. Now I'm stuck with this loan and it's so depressing for me and I can't afford it.

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K
3:31 am EDT

Santander Consumer USA car loan

Unfortunately I got a car loan in Aug.2013 6yrs term . I am 5yrs and 9 months into being done and my car was repossessed. I've been making payments every month and was told a few random ones were missing over the years...How? I am $29, 000 into the payments. Loan was $12, 000 with 26% interest and they still say I owe over $11, 000 Im no mathematical genius but they are screwing me.

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10:09 pm EDT

Santander Consumer USA 2010 chevy traverse

Purchased vehicle August 2016 $15000 making a 442.42 per month payment and still owe 13500. Intrest rate 20% too high and I cant get it refinanced. I'm seriously considering giving it back. They told me after 1 year of consecutive payments I could refinance . It has not happened yet. They never show a beginning and ending balance on your statement. Most of the payment
goes to intrest.

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C
9:58 pm EDT

Santander Consumer USA auto loan

Over the years the have taken duplicate payments out and have been an all around horrible company. The supervisor I spoke with got very nasty with me and I had had enough and told them to come get the car, they have it as a repo, when it's a back out. I tried to talk to them rationally and was civil, until they were not. One had nothing but trouble with them from day one

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M
8:46 am EDT

Santander Consumer USA unfair charges!

I can send a copy of my payments and charges. I've only had my vehicle 1 year, I missed a payment and for 2 months I was paying an extra 200 on each payment to make it up. The following month they said I had 570$ worth of late fees, on top of the missed payment so that month I made a full car payment plus the 570 to get caught up. The next mother I paid a full car payment and a week later they call and I have another 230 of late charges and of course I'm mad bc I just paid the 570 to pay all that up. I don't know what to do, 1 missed payment of 460 cost me over 1500$ that's ridiculous!

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M
9:31 pm EDT

Santander Consumer USA auto loan

I got an auto loan from Santander Consumer USA back in May 2014 they told me the best they could do was a 24% interest and at the time I did not know that that was actually usury rates unless you agree to it. I was promised at the dealership a 4-year warranty and I was also told that after a year of making payments on time my interest would go down and my car payment would be $100 less that has never happened and I was told by Santander Consumer USA that that was never true to begin with.

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C
8:31 am EDT

Santander Consumer USA illegal practices and consumer harassment

Illegal practices and consumer harrassment. My principal for my account has not gone down. If one payment is missed or late, their harassing calls never end. This loan is the worst loan I ever signed up for. My Gap policy didn't even cover everything on my car either. I had to pay for a new catalytic converter(because it was not covered) not to mention the car has so many issues. Very upset with this company.

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K
5:40 pm EDT

Santander Consumer USA car company loan

My auto was reprocessed in which I was told what my 3000 would cover and the break down, when I paid the fee about a month later they called to find out if I had picked up my car stun I made my payment to the directly. Once my account was update non of my additional charges was paid off and I was charged additional fees that was not told to me by Santander. I am constantly getting told different information and being ripped off every bill that I receive. The most Incompetent company I have ever seen in my life.

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12:06 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

Santander Consumer USA excessive interest for car loan

Car loan - owe more in interest after paying $23K+ and still owe $19K+ for a car that's worth $10K car. We deferred our load and they added who knows how much and they apply only to my interest all the payments. Out of the $23K+, only $3000 has been applied to our principal.

Santander also call to ask for payments when payments are not due. They call almost everyday. After asking for a transcript or payment history of how payments have been applied, they said they would email it and mail it, after 5 months, we still have not received. How can we make payments without knowing what we actually owe.

Our payments is $689 per month and can't get anything from Santander Consumer USA. One of their representatives told us the interest per day is around $40. $40 x 30 days is $1200, no wonder we cannot pay off our loan and we have had the loan since 2013.

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N
5:59 pm EDT

Santander Consumer USA car loans account 9645628

i got a notice a that the autopay was turned off and had to send my last payment in by check i did . that check cleared my bank on 03/25/2019
and you took out the last payment out of my checking account on
the 03/27/2019 .ihave been trying to get my money back and you
keep giving me excuses on you need proof i have fax that twice and still
no reolution thankyou nora waller 937/864-7524

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J
5:15 pm EDT

Santander Consumer USA car payments since 2011

I pay monthly of $440

I've been paying this amount since 2011

I still have $9000 debt for a 2010 Nissan Sentra.

Most dealerships I've tried to trade the car in says that I was given a ridiculous APR and deal by Santander. They said 75% of my monthly payments only go to APR and 25% to the loan amount

I tried calling Santander to see if I could get a better deal, but they said no.

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C
2:14 pm EDT

Santander Consumer USA auto loan

I was overcharged in interest as well as principal balance increases. There was no consistency in their payment allocations. I was misled and ended up paying double for the car. They were payed $60, 000 for a $31, 000 dollar car. Miscellanies fees were also added that were not explained. I was told that they would not give me any more information about my case.

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L
10:13 am EDT

Santander Consumer USA paying to much money back to santander

I have been having my vehicle since 2009 and I purchased that vehicle for 13, 000 dollars with 4, 000 dollars down payment and it's 5/9/2019 and they are still saying I owe 1800 dollars. September of 2018 I was told that I had to payoff only 1200 dollars which I paid back in September and as of 5/9/2019 they are threading me with a repo saying my total payoff is 1800 dollars.

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P
4:02 am EDT

Santander Consumer USA 6 month interest only 200. Pp

I written you last year and this year in efforts of joining this Santander lawsuit both times I was told and attorney representing Claimants would contact me What I got was a email stating that no more attorneys were available u did this may of last year and this year to no avail. Now I think that this is a scam as well as Santander This bank will bleed you dry I paid interest only for 6 months come to fine the terms were not made clear a d they know it ..If I am not a part of this lawsuit I will be seeking my very own council and when I am done I promise heads will roll

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A
10:16 am EDT

Santander Consumer USA Deferment

In summer of 2017 I was trying to the pay the back loan payments since my husband job had slowed down in winter. He called them to talk about Putin deferment on the loan and paying just the interest, so we could get caught up. We were never told anything about the accumulating interest. When we signed for the loan we were never asked or told anything about GAP insurance.

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M
5:11 pm EDT

Santander Consumer USA Car loan

Got a car loan from them and after almost 1.5 years I see myself owing more than i initially borrowed... Im not understanding how is that possible. Yes I was late a few times but I'm not understanding how my balances always rises it never goes down. I am stating to believe this company is a scam. It is horrible. I will never finish payingfor this vehicle if this occurs .

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S
9:14 pm EDT

Santander Consumer USA Car loan

I purchased a 2006 toyota avalon with santander financing. I paid the car off 9/2018. Months before paying the car off. I called costumer service because my balance should have been lower and payoff should have sooner. I kept getting the run around and customer service didn't help. One time they applied a payment to my account from another account. My dad was the co-owner of the car, he has a vehicle financed with santander for another vehicle.

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M
8:14 pm EDT

Santander Consumer USA Car loan

I have been with them for 2 years they have made me pay twice the amount of what the car is worth and I missed 1 payment now its not 6000 its 8000 they also charge a high interest rate they are fast to take your car if you dont make a payment I also have tried to speak to them about refiancing for smaller payment but there not willing to work it out that way

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J
12:45 pm EDT

Santander Consumer USA Changing payment and interest rate

I called Santana pertaining to my April payment $860 I was informed that my payment supposed to be 871 at 11% annual rate but my contract stated that my payment is 852.47 cents each month at 10. 21 % rate they also charge me $180 late fee for 2015 on my account when paying over on my payments, of 860 to 900 dollars a month. I was also informed that my contract has the wrong interest rate of 10.21 the supervisor said it supposed to be 11% and it came from a major car dealership. Santana has overcharged me and still overcharging me since 2014 when I went into a deferment until-now

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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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2. Navigating to the Complaint Form:
- Locate and click on the 'File a Complaint' button at the top right corner of the ComplaintsBoard.com website.

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.

5. Attaching Supporting Documents:
- Attach any additional supporting documents but avoid including sensitive personal data.

6. Filling Optional Fields:
- Use the 'Claimed Loss' field to state any financial losses.
- Specify the desired outcome in the 'Desired Outcome' field.

7. Review Before Submission:
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8. Submission Process:
- Submit your complaint by clicking the 'Submit' button.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure each step is clearly defined to assist users effectively in filing a complaint against Santander Consumer USA on ComplaintsBoard.com.

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Contact Santander Consumer USA customer service

Phone number

+1 888-222-4227

Website

santanderconsumerusa.com

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