Santander Consumer USA

Harassed me for a week. Very unprofessional reps, gentleman wanted a strong argument (literally got on the phone to argue) and anything I said had a very smart response like he knows it all (he should pay my bills then too). Sold my vehicle which means the loan through them was done with but they still haven’t reported it which messed up my Credit. They are a small bank with not enough people working there so when you’re on hold (over 20 mins) they will repeatedly say “high call volume” which is such a lie. Don’t recommend them to anyone. Just go somewhere else and save the headache.

We purchased a vehicle and paid on it for six years. I called them to see really how much longer we have till this loan is paid off. We pay $467 a month and they told me we still owe $12274.85 so I looked at last year's bill. For April we owed a little over $15,000. So paying $467 a month for a year we didn't even pay loan down $3000. I called to see if I could refinance to lower interest. They said they don't do that. DO NOT USE THIS COMPANY UNLESS YOU WANT TO GET SCREWED OVER. You'll pay back over twice as much as they paid for you to get vehicle. I repeat. Do not go with Santander Consumer for anything. It's a bottomless money pit.☹️

I got a car loan. My credit was not good at the time so I ended up with Santander with their 25% interest. Though the payment was high I was having little trouble paying for the car until I got a cancer diagnosis and had to pay bills associated with that. I called Santander and they did give me an extension (moving that months payment to the end of the loan therefore extending time to maturity). This worked for the months that I needed the extra money to be able to get my treatments. Then I decided since my payments had been on time and my credit score had gone up that I would refinance so to get my payments down as the cancer was taking a real financial toll.

I am a current customer of Santander. They do not care for their customers and they have poor customer service. First of all, although I do not have the perfect credit I regret the day I ever walked into Joe Machens Hyundai in Columbia, Missouri and purchased this vehicle. How you help people build credit is not to put them in loan situations where you are aware that the customer may default or pay double for the vehicle they are in. My loan is for 14,000 at 24.99% interest rate for 72 months. Don't be late for a payment. They cannot offer any forgiveness. World class rip-off. I will never get a car loan from these monsters again.

I financed my car in October of 2016, being a young college student with fairly new credit unfortunately I ended up with this finance company with 25% interest and a car payment of almost 400 dollars. After a year I called to refinance to get my payments down only for them to tell me they do not offer that option. That was strike one for me!! The car end up being totaled December the 5th 2017, I made the last payment November 15th and after the wreck my insurance and GAP insurance were responsible for the remaining balance of the car!!

I am at the end of my lease. My final payment did not auto withdraw on the normal date, so a day later I paid via their QuickPay (via Western Union, and it costs extra) - thinking maybe I took off my autopay leading up to my final month. The day AFTER I paid (so 2 days late) my auto pay came out, leaving me to have double paid for this final month. Seeing as how it was my final payment, I do not want to double pay. It took several minutes and several people to even SEE I had made 2 payments. They were adamant they could only see 1. Once I got a manager, they saw my 2 payments, and said I would be reimbursed 60 days after my lease was up.

This is the worst car loan ever!! I bought a used vehicle almost 7 years ago, during a point in my life that I was trying to get back on my feet financially. When I bought the car from CarMax I put $2000 cash down on the purchase. I have made 71 payments to Santander, I called them last week to go over my account with a representative and she told me that I had 70 payments to go to pay the balance off. I have already paid more than twice the original amount of the car (with the higher interest rate that was expected). But to tell me I have 70 payments left on a car that is now 12 years old and holds less than a $4000 Blue Book value is ridiculous. I realize that every payment has not been on time, nor have most of my payments been more than the minimum payment. But to tell me over the phone that my first 3 years of payments was going towards interest only and I have 70 payments to go...

Last year I got a loan through Up2Drive for a 2015 car, for which I paid $10,000 down with a $8500 financed balance, at 3.5% interest rate. Up2Drive is a subsidiary of BMW Bank of America, a highly rated auto financing company. This is our third loan through them, and we have been very successful and happy with their service. Then suddenly, with no advance notice, in April 2018, after almost a year of perfect payment history on this loan, we received an email from Up2Drive telling us that our loan has been sold to Santander. We receive no written documentation of the sale, and no assurance that our interest-rate wouldn't change.

Santander should be taken to court for ripping off people. I'm paying over 42,000 for a 2010 Equinox. My mother in law was the owner. She died 2 years ago here. We paying for a car because we was a co-signer. We need to gather together and file a law sued we paying 25.99 % interest a day. That's ridiculous.

I had a car loan with Santander Consumer USA, I fell and broke my back in July of 2016. I called Santander and asked for a deferment on my account because I was unable to work at the time. I was told they don't do deferments and to just pay what I could when I could and keep them informed of my situation. I fell behind by three months. In August I received a letter from them stating that if I didn't get my payments caught up by the end of the month they would repo my car. I paid them immediately and I thought all was well at that time. I fell behind by three months and again in February of 2017 I was threatened with repo, I made arrangements to get caught up since I was just getting back to work at that time. I got caught up and in March was threaten with repo again and I was ahead on my payments at this time.

We bought a Dodge Caravan 2012 that was worth $18,000 at the time. Now we’ve filed bankruptcy. After 5 years of payments we still owe the $16000. Are they nuts? Our payments were high. In the end they want us to pay more than double of what the car is worth. This company should be sued for stealing from people. They target low income and low credit scores.

I have bad credit. I put two grand down on my car and plus my trade. This company was the only one that will finance me. So I make my first payment, everything was good. I tried to make a payment ahead a month and they said I couldn’t do that, oh well my fault. I get the bill for the next month and I pay via phone and it stayed my balance and they will not credit me for the current month! How??? I have the freaking bill!!! I called and you never talk to anyone from the US, it’s always a foreign person which I have no problem with foreigners but they always act like you’re dumb and I ask to talk to a supervisor and they said they made the request for the account to be paid for the month but I said, "How can you request it when I have the freaking bill and I paid it???"

They continue to steal money by adding on extra money to payment or reallocating part of my payment to places that cannot be explained. I have called 5 times on this most recent charge to try and get a proper explanation of the extra money and each of the 5 times I got a new reason! Excuses for stealing so now I will be getting my attorney involved.

They are crooks in a nutshell. Just bought a car from CarMax 2 days ago, called for a 10 day payoff. They stated they couldn't give me my payoff amount because it takes 3-4 weeks for my "account information" to register on their system. Note that I "started accruing interest on my account" the day I signed my auto loan contract; which really means that they've created this long wait period so that they can make you pay more interest and get more money out of you... So instead of paying interest on 10 days, I now have to pay interest on 30+ days. This how they make their money. STAY AWAY FROM THIS FINANCING COMPANY.

In October of 2017, I received an unexpected statement in the mail stating that I had to pay 18 percent interest on a $10,000 loan that I never took out. I did not understand why I received this statement and thought, certainly it was in error. During the first week of November, 2017 I visited the 336 Broadway branch of Santander with the statement and asked for an explanation. After 30-40 minutes of discussing the matter with two bank representatives they uncovered their deception.

I received a loan from Santander Consumer, USA in February of 2012. It was a 60 month loan at $357.11 a month. I really didn't want to take it but I really needed a car. Well it is 2018 now and they are still me I owe $4,900 on the car plus another $1500 in late fees!! I have already paid over 18,000 and they are still saying that I owe them more money! They call every hour! Even after I make a payment they say I am still a month behind. I am not even sure how that could be, so I made two payments last month. They are still saying I am behind in my payments. When I asked Customer Service how she replied "because in 2015 I missed a payment" so I keep being a month behind. When I asked how come this is just now showing up, she had no answer. When I asked what month in 2015, she didn't know! Ripoff! Stay away!

My experience with Santander is horrible because my car was worth $10,000 but after they gave me a loan that was financed at 25.99% which I did not know on top of that the finance amount was 13,735.36 and my payout amount is 27,538.56. In the total sales price was 29,039.25 so now I have 3 different amounts on this car and the blue book value is 5,000 and this why I'm very pissed behind this loan on my car. I really think someone need to put a stop to Santander for just taking people money and trying to keep people in their loans even after they have paid the amount of the car off but instead they try to find any and everything to build up the interest on the loan. They make it hard to go and get it refinanced with a lower interest rate. See what they don't tell you when you pay your car note is that most of your money goes to the interest then your car loan. So we have to let everyone know what they are doing to hurt your credit score then help it.

Santander is really pissing me off. They charging me extra money when they shouldn't. If you call them they all act illiterate and don't know nothing. I'm not stupid and I keep up with my bills. I can't do nothing about it because I still owe on my truck but lord knows I wish I could've did something else before I got with Santander. Santander is a ** rip off and I'm really upset because they don't care. They all should be ashame of their self because they wouldn't like it if it was them or their mother, grandmother, dad, granddad, daughter, son, or anybody else in their family. I have bad credit but they say they trying to help you but I see different. I advise nobody else get with this company because they don't do BUSSINESS how they should.

My son is a soldier in the Army National Guard. The summer before he had to deploy to Kuwait, he decided he would treat himself to a new Dodge Challenger. The only problem was he was on 20 and hadn't established any credit. Well the salesman saw him coming. He got his car but he paid the price with a Santander loan. The payment was $800+ before he was deployed. After he was active, they had to reduce that, and he has been paying $627 a month for over a year. The payment has been automatically taken out of his bank account for 2 years now.

I have been paying a loan with Santander for years and finally paid it off in September 2017. I have waited for my title or a lien sanctification letter. It is now March 2018 and I telephoned them as to why no title received. They said they sent it out and now account is closed. If I want a title I have to pay to get one. I am livid! I paid on time for years and then I am sent to pay for the title or a lien satisfaction if I want it.

I submitted two payment for the month of Jan 2018 in order to make my account 100% current... Some brainchild on their end misallocated the funding so that it would still show my account as not current. Therefore, I would have additional lates fees that would increase in order to continue overbilling me. Then some other genius went into my account and re-allocated funds I submitted and applied some funds to my Feb 2018 payment which is totally incorrect! Then these folks post my account for Mar 2018 to be $1700 to include late fees!!! I dont have any freaking late fees people!!! Is there a class action lawsuit I can join? Does anyone have any legal advice I can use to fight their unfair, crooked, and underhanded business and accounting practices?

I contacted Santander to change auto pay information. I contacted them on the 5th of February 2018 and gave them new account information. I was assured by their representative that the payment due would be coming out of new bank information. Santander did not take payment from new information whereby they caused my old account to incur fees. I contacted Santander representatives, managers and today I spoke with someone who said they were in charge of managers. This person did not help me resolve my issue. Their representatives are in need of further training. I wanted a refund into old account and a payment to be taken out of new account. The manager informed me that this was not possible. I would never have taken payment out of old account and put into new account if Santander had informed me properly on 2/05/2018.

I co-signed on a vehicle 6 years ago for an ex bf at the time. He wrecked the vehicle the day after he got it. Insurance paid Santander their portion of the cost but GAP won't cover. They're saying they need additional paperwork from me. I had, or thought I had, this handled 6 years ago when they quit calling me about the vehicle. Here we are 6 years later and Santander is still claiming there is still a balance owed. (Mind you they stopped calling me for FIVE years until just recently) I have called more times than I can count to try to get the necessary paperwork I needed from Santander to send to the GAP insurance company but they will NOT help me.

I sent a money order in for payment back on October 20th of 2016. Early November I received a call from Santander saying I was late, and that I needed to pay now. I assured them I had already paid and to check their records, which the rep did and found nothing. I immediately called Western Union which is the money order I mailed in and they told me it had been cashed in October 31st 2016. I was also told if I wanted to investigate I had to pay $14, which I did. Weeks later I received a photocopy of my money order, with pay to the order of “Drive” on the front of it and on the back a stamp from Chase bank with an account number. I called Chase who said they couldn’t give out account information over the phone so I called Santander. The rep told me Drive is one of their subsidiary companies and that the Chase account number is indeed theirs (wrong move).

I have had Santander for a car loan. (Bad credit thing) They were the only ones to give me a loan. I started making my payments Sept. 2017 and have made all my payments at the branch in my town. I pay my payment with cash. I keeps my receipt of payment from the bank (thankfully). I received a call from them yesterday stating that my January payment is now overdue. Smoke started coming out of my ears! I told the woman that all my payments are made at the bank and in cash and I have receipt from bank. She stated that this was not applied to my account. I am now ready to reach through the phone! I told her that the payment was made (and even gave her the reference number on receipt) "IN CASH AT THE BRANCH WHERE I LIVE" and how did this not get applied to my account.

I opened a car loan with Santander in July of 2015 for $15,000 and have been making my payments for about 2.5 years. Logged in online to see my payoff amount is $16,000. 2 and a half years later of making payments, I still owe a thousand dollars more than the original loan was for. After doing some research to find out the interest rate of 25% exceeds the interest rate cap in the state of Texas (18%), I called and tried to settle and wouldn't. I will be taking them to court!

TD Auto Finance removed my auto pay and bank information without communicating with me and resulted to a miss payment and a negative drop on my credit score. My auto pay has always been on time and bank information has always been active in their system for 2 years with no problems. I have contacted the bank about the issue and their customer service is inefficient, rude and does not offer any solution to the problem. While on the phone with service rep, she would constantly tell me that it is basically my fault for the miss payments, I replied by telling her how would I know the status when the bank does not communicate critical changes to my account. Auto pay is designed to prevent errors and missed payments and this auto financing company is very inefficient and I will never do business with this company nor recommend them to my family and community.

We settled with a car making company (totally unrelated) and part of the settlement was to pay off our van. They sent the check directly to Santander back in October and again, in November when Santander said they never got it. Now, they claim to have gotten it and said 3 weeks ago that they were "waiting for it to clear". Now they are saying, "It's cleared! We will apply it to the balance." But it still hasn't. It cleared over 2 weeks ago. :( This is the worst company ever. Now it's showing we are late paying, and have added fees. I am pretty upset and we plan on hiring a lawyer.

I was searching for reviews of this company and their deferment program and didn't find many. So I am writing this to ease some minds. I have been with Santander for 3 years. Never once have I had an issue. I pay my bill via text for free. Never have been late since I got my car. Ran into some financial issues this month. Called yesterday and asked for the loan deferment program. Everything was explained in detail. I was not asked to pay anything upfront. They gave me 2 months without payment upon approval (It will ultimately push out my maturity date). I called them back within 2 hours of the original phone call and was told I was approved. I am grateful this company takes the time to work with customers!!!

I recently lost my vehicle to Hurricane Harvey. My car was a total loss. Santander Consumer financed another vehicle. I paid my first note a month in advance. I asked for a deferment for December which would help me buy Christmas for family. I was denied, I called for almost a month for status' but no one would ever contact me by phone or email. It is sad that this company has no compassion for victims of a natural disaster! Corporate greed!