Santander Consumer USA Reviews

I am affected by the government shut down and they have no options you get. A customer service rep on the phone and they want to set up a payment plan. Ask they how are you suppose to do that with no pay check and then they ask again the same question. Are they that stupid or is the company that uncaring and crappy that they won’t help people. I wish I could post the phone call just to see how bad their service is.

Chrysler sent me to a Debt Collector recently. Chrysler uses Santander Consumer USA Inc for financing of their cars/trucks. I have never missed a payment and in September of 2025, the USPS box I placed my out-going checks in had been broken into and all the mail stolen. I heard almost a month later from FedEx that I was behind on payments. When I tracked it down, I learned 5 payments were all missing as well as the other tenants in our complex. So, Chrysler/Santander sent me to collections for missing one payment. Then they tell me to solve this problem in the future, I should go into their website to look to see if my payment was accepted. Their communication employees are in India, and very hard to understand when they talk fast. I won't be using these companies again. Customer relations suck!

This company is not incompetent, it is vicious, unethical, and should be banned from US. Endless games to pass the buck to someone else, play delay games, pass the call to supervisor and hang up the phone, having a site that purposely does not work around payment times, so you can charge late fees and pretend you don't know what you are doing; not providing an email address so you purposely drop calls, or send callers to illiterate overseas agents who cannot speak English and are purposely trained to frustrate callers. SHAME ON YOU SANTANDER, SHAME ON YOU.

This is not the first time Santander did not take my payment and process it over the phone and then blame me. But this time they locked my acct but they didn't say I couldn't pay any bills. They said no one would get into my acct. Anyway the credit card I paid was to a Santander Customer Service Rep and was to be taken out of my Santander acct. I was already verified as me that is why they agreed to take the payment. A month later I am getting emails and phone calls which I was told to be cautious about since attempts were made on all of my credit cards, all the 3 credit bureaus, phone calls, emails, and etc... So when I got phone calls from Santander and didn't find the phone numbers in the computer I thought it was a potential scam.

I DON'T RECOMMEND SANTANDER FINANCE... READ ALL.. Do not use this company; it is the worst. If I could give them zero stars, I would. This company does not work with customers. Santander absolutely fails as a financial company! This is one of the worst companies in the world. The first time I used them in years for financing cars, and at the dealer, they told me I could refinance after 6 months so my interest rate could go lower along with my monthly payment. But the worst thing I found out recently is that out of my monthly payment of $764, only $200 goes to the principal cost of my car, and the other $564??? When I realized the amount that goes to my principal and saw that my car amount did not lower at all, I decided to contact Santander Finance.

Updated on 10/23/2025: Me and wife went to car lot in Lexington to pick a car out and we want a Challenger or Durango but they put me in a Durango RT. They sent to me this bank and the bank wanted a 1,149 a month for a 2019. Also I tried giving the vehicle back after I purchased it because the payments were too high and the monthly payments was supposed to be 837 a month! I even told them I don’t have a license or permit but they gave it to me anyway. The truck had a not for sale sticker on it which was yellow. Also the truck's being in the auction 3 times before me and repoed 3 times. The truck is from Canada. My account was closed and they opened back up.

It is impossible to find a phone number so you can speak with someone. I don't currently have an account, but I did and needed to find information. I never seen worse customer service!! I would recommend choosing a different company for a auto loan.

Every month I would pay by going online through my checking account no problem. A year ago when I tried to pay through my checking account I couldn't. I called my bank my routing and account was accurate and active. I called Santander, they informed me my checking account was an error, and I would have to pay using my debit card (which is a fee)! This has been going on for a year now, they can't give me an explanation, keep lying and hang up while holding for hours! I asked an agent to connect me with a manager, put me on. Never came back. Now I'm taking matters to a higher level! The fee to use a debit card adds up especially if this has been going on for a year! Just imagine how many other customers they are violating.... To be continued!

I've never spoke with a more unhelpful customer service department in my life. They have no idea what they are saying and clearly go off a generated script. They will do nothing to help you or assist you and even refuse to put you on with a supervisor. Then they hang up on you after you've been on hold for nearly 30 minutes.

I rate my experience with this company a 0. Customer service is okay if they can understand your without asking you the same questions over and over. This company will not offer you assistance in any situation. They only say make a payment. Make a payment but noooo help at all and Empathy is not an option. If you can get financed somewhere else. Take it with open arms.