Santander Consumer USA Reviews

Originally called by collections per a cust svc rep error. After being transferred to a mgr, then exec mgmt, I was transferred to Melissa. If there was anyone more inclined to help a consumer I've never had the pleasure. I was even able to help her understand her position as a consumer as I explained an unrelated matter, whereas I explained to the business owner, "I don't want anything except that another consumer NEVER has to experience what I have at this dealership".

I lost my business due to the pandemic and owed banks lots of money. As a result my credit dropped to 400. No bank wanted to give me a car loan but SCU. 16% apr and loan for 72 months. It was a bad deal but business is business. It's not their headache that I lost my business. Nobody else cared. Why should they? We not dealing with Mother Theresa. It's a for a for profit org., it's a bank! Due to unforeseen circumstances out of my control, I fell back on many months' payments multiple times. I kept in touch and explained then brought my account to normal but unfortunately it happened often and they always supported and worked with me, treating me in a respectful way, made the most reasonable offers to get me back on track.

I was originally with Carfinco, here in Canada. I was a little concerned when the company had changed (I was about 3/4 the way through my loan), and had experienced bank screw-ups before upon account transfers, but I gotta say it was seamless. I appreciated also, that I could still prompt Carfinco, and the Santander site came up.

They helped me get into a car when I needed one fast. I didn't make a lot and only needed 1K down which the dealership let me do in 2 payments. Santander allowed me to skip my first payment which made budgeting easy. During the time of the loan I received a few extensions with no issues. Their app is easy to use. Yes I had a high interest but I had a low car note and was able to complete my loan. Took less than 30 days to get my title. Just know the bad reviews come from people who had payment issues. I needed a loan and this company gave that to me and I always had great customer service.

So I heard a lot of bad things from this bank after I bought my first car. I was 19 had 2k down and no credit score. This was the only bank that would financed my car (2016 Chrysler 300) so I financed the car through them. Had a high interest rate but that was to be expected 60 month Car loan. I paid it off early In about 21 months and I got no prepayment penalty, no fees or anything. Got my title almost 1 month after paying it. Great company. Had no bad experience with them and the customer service was always nice whenever I called.

The first 4 years during this pandemic they were okay, once it was over they were harassing me and my husband for money. They were very disrespectful and rude. All they cared about was getting their money. They said we were behind 3 months. I proved by my bank statements we were. They still didn't believe me. I will never deal with them Again. They need to go to charm school. And they are very disrespectful towards disabilities too. They are horrible people.

I was on hold for 2 hours one evening to be told that they only had ** speaking customer support active that day. The app for mobile has never worked and the website makes me re login every 2 minutes. My username and password were never changed but the website would always tell me they were wrong and make me request a one time code every single time I used it. Would steer clear of this horrible company unless it is literally the only thing you can get.

I have nothing but problems with them taking more money than what's asked.. I owed $500.55 paid $600 but yet being told I owe $15. WTF. Never deal with them. They are a scam.. 2nd times I have had them but didn't realize that this 2nd times was them so refinancing in the next month.

I purchased a vehicle at Carmax who used this rip off bank to finance the loan. Interest rates are out of control. I've been paying for 7 years at 517 a month. I've paid over 40k for a vehicle that cost 13k a 2007 Dodge Nitro (piece of crap) vehicle. Therefore I've paid 43,428 dollars for this vehicle. They are telling me I still owe them 13k? How in the heck is this possible? They have charged off the account which I don't even care anymore; they are insisting I make payments. They already ruined my credit so what's the difference. I don't care if they come take it really. It's smashed on the one side and is falling apart at the seams. Do not get a loan ever with this bank. You will NEVER EVER PAY IT OFF.

Customer service is rude 90% of the time. They will harass you if you are even a day late, calls about 10 times a day. I’ve had more issues with this company than any other company. Please do yourself a favor and go with another loan company. Also had a payment bounce and instead of calling, which is odd considering they blow Up my phone any other time, they retried the payment 4 times and took 4x the payment out of my account. Loved that.