Santander Consumer USA

Chrysler Capital, worst nightmare. Run away from them and seek other car loan companies. They apply outrageous fees. In addition, they have horrible customer service. They state they can send you chat transcripts because they don't want you to have proof of what their supervisors say. I have been told that they would remove the fees and they keep on adding. Stay away! It is a nightmare dealing with this company. They don't care about their customers.

I purchased a 2011 Ford Edge Ltd on Nov, 23, 2013 and it was about 21k. My credit wasn't great but it wasn't horrible, I was in the high 600's and they're charging me just shy of 19% interest. I've been making payments of $610.00/mo for 5 years now and I still owe $17,000; my car is now only worth 9-10k max. I'm now on disability and I can't afford to pay the difference to get rid of it. Most car loans allow you a 10 day grace period for payments, not Santander. I'm also charged $31/mo for late fees if I'm one day late and the interest is 90% of my payment. To date, I've paid $37,820 for the car and still have 2 years to go. So, I've already paid $16,000 over the original price and to trade it in I have to pay off the 8k difference. I find this to be so disgusting. To take advantage of people who have not a bad credit score but, not a perfect score either, should be illegal.

I have had a loan with Santander USA since 2014. The original loan amount was 21000. I have paid over 10000 towards the loan, but I still owe more than the original loan amount. I owe more than the car is worth. At this point I feel like I will never pay this car off. Can anyone advise?

I attempted to recover my car, after a repossession, this month. They told me to get the car back, was $2100, called back two days later, and said that the amount to get the car back would now be $3700. What a bad practice now to be upfront amount fees due. This is bad loan practice, besides every agent told me a different amount, how does that happen, this company does not care about what the consumer says or does, they just do not care, all they care about is money. Do not use Santander Consumer for any loans, or any bank dealings. They are not to be trusted, and are rude, and lie.

I bought a vehicle with a specific lender to find after that that they transferred me to Santander without my approval. I had a surgery and was behind my payments for 3 months, they repossessed my vehicle. Refused to remove the fees. Adding a couple of thousand dollars to my bill didn't help at all. Very rude and not helpful at all. I do not recommend them at all.

I cosigned for a car for my daughter which I end up being responsible for and cannot get hold of anyone in customer service and cannot create an online account and I am using the information straight from the bill. No one should have to spend hours in a day just trying to make an online account for car payments. Thank you.

I have deposited 2 checks within the daily limit set by the online banking. The funds left my account at the other bank on 05/29 and as of 06/04 it is still not available. Where is this money? It is at Santander but they will not recognize it because it is convenient to the bank just be slow while my money is been used and I’m been charged interest from my overdraft account or maybe this is just another of the several problems in the bank Technology. PS: This was not the first time I deposit a check and the previous compensation was always 2 business days. Also, it took me 3 phone calls and more than 7 minutes on average on hold before someone picked up the phone. On Saturday, 06/02 I spent 57 minutes on the phone and didn’t get a satisfactory answer to my request. I was told the delay was because they are having problems with one of their systems...

I purchased a 2012 Hyundai Sonata in 2/2013. The car was 25k brand new. My down payment was 6k with interest. I would pay in total 24k by the end of my loan. While I don’t have a perfect record I pay my bill. It’s been 5 years on a 6 year loan. I now owe 22k. I pay 590 a month! How is that possible?!!

My daughter bought a car in 2011, which Santander financed. It was for 6 years. She had put 5 payments back on loan, then got behind 2. The car should had been paid off next April. Car went back in March. It was falling apart. We were trying to make it last. Well, car would had never gotten paid off. Interest rate was 25%. Had no clue considering it was not listed on paperwork. We are at the same about 5 years later where it started. This finance company is a complete joke. Not to be stopped. Maybe it's time to fight them. Not sure what is next.

I opened my acct. at Santander 6/2/2017 and I have had nothing but problems since then. From not being able to access online, to having to reset my personal info every time I try to go online. I have had money stolen from my acct. There is always a new person there who does not give a damn! They tell you 1 thing and they do another. Frankly I'm fed with Santander Bank!!!

My husband and I’s account was transferred to Santander from Alphera just recently on our auto loan. Coincidentally, we traded in the truck right when the switch happened. I figured there may be a few hiccups along the way, but never would I have imagined people who honestly don’t care at all. We had payments automatically taken out by a third party that we have never had problems with. Since Alphera was sold out, it was never communicated to the third party that the truck had been paid off, so payments kept getting drafted out of our account after the fact. I called the third party and took care of that but they had already sent the money totaling $805 to Santander in the form of a paper check so they couldn’t cancel it because it had already been cashed.

I sent a payoff check to the address provided by the CSR and I have confirmation that the check was received and signed for at the address provided. I even have confirmation that it was sent directly to the mail room and signed for by a C. ** on Wednesday May 9, 2018. HOWEVER, SANTANDER CONSUMER USA HAS NO RECEIPT OF THE PAYMENT. I am working directly with a manager, whom hasn't called me back once. I've called him several times, only speaking with him once and leaving messages for a return call in the other instances. I have provided the manager with everything they've asked me for, amount, tracking number, etc. To-date they still have no receipt of the payoff check even though I have confirmed where it was sent, what date it was sent and who signed for the delivery at the exact time! Horrible unaccountable service!

On Feb 3 we spoke with leasing dept about turning in our closed end lease on our Durango. We would turn in 6 month early because we purchased another Chrysler vehicle. Told no problem. Now they are saying they will not waive turn on few and we cannot get any money back on prepaid lease. After working for Chrysler for 30 years and purchased a lot of cars for us and family this is how we get treated. No more Chrysler for us or family. Guess we become Ford people.

I purchased a vehicle back in 2008 and my loan was sold off to Santander Consumer USA. I had a 6 year loan with a pay off in 2014. Each month when I made my payments via their automated system, I was given a different amount for balance due. This went on for another 2 years, paid off in March 2016 I thought. When I called about my title I was advised that the loan was paid off, however I still owed them almost another $1000.00 in late fees and miscellaneous fee before they will give me my title. I would never recommend anyone to do business with this company. My loan was for $27k, and I've paid over $40,000.00 and they say I still owe them. Santander is a consumer RIP OFF and yes a class action should be filed against them. I will never do business with this company ever again and the public needs to be aware of the scams they are pulling.

The most indescribably wretched business experience I have ever had. My car is a 2007 Saturn Sky Red Line that I have been paying for now going on 7 years. Had numerous health issues and found out the late payment each month is almost $100 dollars. Called and asked to speak with a supervisor but always put on hold until my patience became exhausted. Still paying with the car worth not even a fraction of what I have paid. So disgusted. Can't put it into words - whatever you can do and no matter how desperate you are for a car don't allow yourself the horror of this company.

Like everyone else, my original loan was sold to Santander without my knowledge. Two years of making payments of $557 a month and the balance of the loan is only $2-3,000 less than when the loan originally started. This bank is from Spain. They need to go the hell back. They come here to the U.S. to cheat us civilians and disrespect our military. The U.S. Dept of Justice had to go after Santander for repossessing the cars of U.S. military deployed overseas (Service Members Civil Relief Act) What type of treatment do you expect from a foreign bank that does that to the U.S. military?!!

This has to be the worst customer service I've ever experienced. I was a new customer, kicked over to them by my old bank, Alphera. Could not log in to the Santander website, so called the Santander number to make a free payment via their automatic processing. Put in all info and was told by the robo-voice that the payment couldn't be made. Got sent to customer service -- Shareece in Barbados -- who flat out refused to assist me. She said I could pay over the phone with her if I paid a surcharge (i.e., pay them to give them money). Otherwise, I could go back to either the website or the phone processing. Well done, Shareece! I'll be paying my debt in full in a few days and hope I never have to deal with you or your shady company ever again.

I purchased a 2009 Volkswagen Jetta (VIN# 3VWRM71K39M098551) from 404 Automotive Group in April of 2016. The vehicle was financed through Santander Consumer USA, thus a lien was placed on the car. I paid the remaining balance to Santander in April of 2018. As stated on the Ga.gov website (https://dor.georgia.gov/how-release-lien-and-security-interest-title) I was expecting the title after 5 days of processing the final payment. Santander sent me a release of lien notification (without the title) that stated I needed to take it to DMV for the title. The DMV informed me that I need the physical title from Santander, however when the DMV looked into their database they could see that the title was not printed by the dealership and thus not sent to Santander with the original paperwork that was created in April of 2016.

Received notice from Alfera saying they sold my account to Santander and it stated I would receive package from Santander. I waited. Nothing came. So called Santander to make a payment. Was shocked when they say I owe Nine hundred and something because I'm late. So when a customer service rep came on the phone it sounds like she was in a tunnel and could not hear her. I literally had to yell for her to hear me and still I heard a faint voice on the line. Finally, she decides to pick up the phone and talk. At that point heard her just fine. She tells me my payment is late so need to pay next month payment on top of my current payment.

So I have a car loan the original price was around 7400. I had recently got the payment down to 6880... but it's funny how it had jumped back up to 6903. In the payment history it said the payments have gone through. I sent in a payment again for 176.00 because I can afford so much. They are saying I'm 17 days past due for 197.73. But how is that possible when I made the payments on the 15th for 160.00... the 26th for 170.00 and today's payment for 170.00... add that up its 512 dollars. So basically they are ripping me off because I have never had that happen. I am extremely bothered by this and I will get a lawyer.

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.