Santander Consumer USA

First time I called since 12/21/21. Today 3/17/23 I asked for a courtesy. First one just a week or less paying 475.86 a month. Paid 7 days early for 14 months. They shut me down. That agent was morbid cold. Saving 22,000 paying my car off. I ever hear this name? Run.

I bought a used car from CarMax a month ago and I'm not able to refinance through a federal credit union without taking out a big signature loan out. Reason being is that it does not book online for 14k$ price. According to NADA report it's only worth 8k$ and Santander Consumer high interest rates of 24% for my above 700 credit score. BEWARE OF THIS COMPANY. THEY PREY ON ANY LESS EXPERIENCED PEOPLE WITH NO REMORSE. Santander Consumer will constantly act like they don't know what a 10 or 15 day pay off letter entails which means more waiting on them getting it right after constant repeating myself to different agents throughout every week since the purchase of initiating a refinance with another institution. I'm disgusted at the way Santander Consumer does business and treats customers. This is not right. They don't deserve 1 star but I have to warn others about this disgusting company.

One star is too high for this company. I financed a vehicle with them about 10 years ago. Loan was paid in full and in good standing throughout. Bought a new vehicle a week ago. They now insist on a "welcome call" informing you that this is a legal contract for which you are obligated to pay - well, duh, it's a car loan. Then, they wanted a copy of my SS card. They want to make sure they are dealing with the right person. OK, provided it. Clear picture.

Julian is deliberately refusing to provide my car title. She is rude and disrespectful to customers. BEWARE!!! Even my credit Union can’t receive the information requested. Complete disregard for customer's needs!

Santander Consumer USA will attack you with interest at every chance they get. They will tell you when you get close of paying the loan off and adjust the balance to a larger amount and tell you that you will owe $5,000 or more and get you to extend your loan for 6 months or more with a larger interest rate. So beware of Santander Consumer USA and do not use them for loans.

Ridiculous rates. Unable to negotiate any late payments due to Covid back in 2021. I asked to speak with a manager or anyone up above to help me out since I'm in the process of buying a house and said, "Oh it's your fault it's on there for 7-10 years." Never doing business with them or recommending anyone.

I bought a vehicle in July of 2019 for $15,595 and have paid over $10,000 in payments since then. Now, I am told that I owe over $17,000+ (as my balance). I know that there was a class action lawsuit against them and I qualify for the requirements to be included however I was not included. Any time I reach out to the company regarding my loan and my situation I am told, sorry, we cannot help you and I am never able to speak to a manager or anyone that knows what's going on. Not one cent of my payments have been going to the car loan. I requested a payment history from Santander showing the beginning of my loan payments to current and it showed nothing going to the value of the car. No one at the company will give me a straight answer as to why this is happening. I also went back to the car dealer, who I believe to probably be shady as well, and I was told that it wasn't right what was happening to me and that I should file bankruptcy. Wow...

Worse experience ever. I was leasing a car for 3 years and bought it out in the end. All payments have been on time. These never updated the system and it showed me late due. It DECLINED my credit from 803 to 730. I tried to get in touch with an agent so they can help me solve the problem by getting a final report. It is impossible to get in touch with them. Shame on you Chrysler Capital. Also I will hire attorney to take legal action won't let this happen.

We got loan knowing it was high. We also got a promise that it would be lowered after a year. Yet has never happened. Though they did do one thing very well. Charge late fees. No problem. Why, you might think. Because l unfortunately found out l have bit of serious medical issue. Which cause me to be put on shirt term disability from my job. Had even kept paying on time till October came 4 months after l went on disability. Because had no money coming in other than VA disability & SS. I asked to get help to back end my account due to this issue. I was ignored on this request. Asking for a manager or supervisor. None available. Requested call backs. None came except always saying need to pay. I reached to have a manager call me on my medicinal issue. I finally got my short term. Yet it couldn't cover everything with all my bills piling up.

This company is hard to work with. When you get someone on the phone they can not speak English they can not explain why they added $500 to your account. If you are a couple of days late the late fees are crazy expensive. They will not help if you are having financial problems due to loss of job. Horrible company. I would not even give them a 1 star.