Santander Consumer USA Reviews

I would not give this bank even 1 star. I am specifically leaving a review about "Open Bank" app by Santander N.A. An ad for Open Bank lured me in by posting a high interest rate for opening a savings account. So I did by using the Open Bank app and transferring $$ from my primary bank to Open Bank. Due to a federal holiday, the funds were not transferred and, as a result, Open Bank put a "block" on my existing funds in the Open Bank account.

Do not get a car loan through this bank!! Charged me 807 dollars interest on a 977 dollar loan because I paid 3 payments 2 weeks early than the 4th payment on time. They said too much time in between payments and charged daily interest even though the bill was paid. Talked to 6 people. No one would help!

This bank invites you for a personal loan and promises that if you check your rate it will not impact your credit report, that is totally false; the first thing they do is make a hard inquiry on your credit and then it affects you for two years.

I STRONGLY do not recommend this company for your loan needs. They have horrible customer service skills. I asked to speak to a manager because the representative was just repeating the same information, would not answer my questions. I was out of work for 3 months due to medical conditions and they would not take that into consideration. I was placed on hold for over 40 minutes while I "waited" to speak to a manager. The manager was no more helpful than the representative. They do not recognize extenuating circumstances and could care less. NOT HELPFUL at all.

I have had my car financed with Santander for the past 6 years. I have paid far over market value for my vehicle. I supposedly made my last payment in November of last year. As soon as that payment processed, instead of my balance being $0, it was $1200 and some change. I called and was told there were "fees" added on. No one could tell me what those so-called fees were for. I asked what the payoff amount would be now and was quoted $1350. I have paid that down once again only to see another $850 pop up on my account. Again, this has been attributed to "fees" that cannot be specified.

I had to purchase a used vehicle after mine broke down completely. Have a relative who is helping me and tried to pay the balance due today, as agreed to by myself and the auto dealership. They refused the amount and told M & T Bank that they had a maximum payment limit of $12,999.99 per month. They also claimed that they didn’t receive the amount despite being done via M & T Banking professional.

I financed a car with them, unfortunately after 9 months into my contract my daughter attempted suicide which naturally resulted in my husband and myself missing work. Shortly after my husband returned to work he was attacked which put him out again. Chrysler Capital has been unwilling to allow us to make any kind of payment plan. They refuse to work with us and demand the full past amount due regardless of the situation. Do not finance with them. I wish I had googled them before moving forward with the loan.

This is the absolute worst bank I have ever worked with. They are slow to process anything, and each person you talk to will give you a different runaround. I am trying to pay off a loan on a total insurance loss, and they do not know how to process it. They claim that once done, they will send the title for the asset to the insurance company?!? Stay away from this bank!

The guy name Roy or Royce who works in the funding department is very rude and needs to work on his customer service skills! Very much so sassy as well. Definitely wouldn’t spend my money with this customer.

If I could give Santander Consumer USA through Lending Club negative stars, I absolutely would. This company is the most unprofessional, unreliable, dishonest, incompetent, predatory, shady, and disgraceful financial institution I have ever had the misfortune of dealing with. The moment your payment is even slightly past due, they bombard you with fear-inducing emails labeled "This is an attempt to collect a debt." But here’s the kicker, this hostile treatment doesn’t stop when your account is in good standing. It doesn’t matter if you're current, ahead, or just calling with a general question, they always answer like a debt collector, treating you as if you’re months behind and drowning in payments.