Santander Consumer USA Reviews

Account locked and tech support never supported me, I would give no stars. They don't support you. Just keep you on the phone long enough to want to close your account. I wouldn't open an account with them ever again.

I hate this bank. I don’t know why I switched from the bank I was with in the first place. I closed my accounts with Santander over a week ago I was told by a representative that need more training that the accounts will be closed in 2 business days. One account did close but one remained opened because it had a small balance left when I was told the balance would be sent to me in mail. Then after closing the accounts they allowed somebody to come in the account to take money then told me it was nothing they can do to get the money back. Then also charged me a paperless fee last month. When I called to close my accounts you usually will get get questioned why are you closing your account and is there anything we can do to fix it. A bank that’s not concerned about why I no longer want to bank with them. Says a lot about them. I don’t need to bank with a business that’s not concerned about me leaving after these little bit of months.

I paid off my auto loan in full on July 3, 2024, and overpaid by $933.44. It has been 503 DAYS and Santander still hasn't refunded my money despite repeated promises. Timeline of Deception: June 24, 2025: Santander sent me a letter ADMITTING they owe me $933.44 overpayment. Multiple phone calls: Agents repeatedly promised checks were "already mailed" but REFUSED to provide tracking numbers. 10+ chat sessions: Same story - checks allegedly sent, but no proof whatsoever. CFPB Complaint #**: Filed with Consumer Financial Protection Bureau. November 18, 2025: Sent formal demand letter via email.

I financed a 2015 Honda Accord for $21,186.35 with a maturity date of June 15, 2027. Santander Consumer USA does not provide monthly account statements on my online account, which has made it difficult to understand how my balance is being calculated. As of today, Santander lists a total balance of $14,654.63 with a past-due balance of $11,903.72 due November 15, 2025. According to the payment history previously shown to me, I paid a total of $15,977.15 between November 16, 2021 and October 22, 2025, including a $1,050 payment on October 22, 2025.

I need to preface this by saying that while I had a terrible experience with the dealership where I bought my car, I believe both the dealership and the lender share equal blame for predatory lending practices. When purchasing my vehicle, my mom co-signed with me due to my less than perfect credit (which I've been actively working to repair). Despite my mom's near perfect credit score, the dealership claimed they could barely secure financing and pressured me into accepting a 17% interest rate. Looking back, I realize almost any bank would have offered significantly better terms with my mom as co-signer. They're experts at manipulation.

I have been out of a job for 6 months and I just got a job. I got a repo text just yesterday and as soon as I called them and tried to make a payment arrangement they were rude and unprofessional. I even told them I could pay cash in two weeks. They repoed my car yesterday when I was in the store and my purse and person ID everything in the car and when I called to find out where my car is they told me I had to call back tomorrow. TERRIBLE RUDE and UNPROFFESSIONAL.

I purchased a car from Santander in Feb 2016. I paid off the car in April 2025. I have tried to call them 6 times on releasing the lien. I want to sell the car. Because I don’t have an account with them anymore they have no record of me. Tired of pushing buttons and not talking to a real person. Might have to hire an attorney.

I am affected by the government shut down and they have no options you get. A customer service rep on the phone and they want to set up a payment plan. Ask they how are you suppose to do that with no pay check and then they ask again the same question. Are they that stupid or is the company that uncaring and crappy that they won’t help people. I wish I could post the phone call just to see how bad their service is.

Chrysler sent me to a Debt Collector recently. Chrysler uses Santander Consumer USA Inc for financing of their cars/trucks. I have never missed a payment and in September of 2025, the USPS box I placed my out-going checks in had been broken into and all the mail stolen. I heard almost a month later from FedEx that I was behind on payments. When I tracked it down, I learned 5 payments were all missing as well as the other tenants in our complex. So, Chrysler/Santander sent me to collections for missing one payment. Then they tell me to solve this problem in the future, I should go into their website to look to see if my payment was accepted. Their communication employees are in India, and very hard to understand when they talk fast. I won't be using these companies again. Customer relations suck!

This company is not incompetent, it is vicious, unethical, and should be banned from US. Endless games to pass the buck to someone else, play delay games, pass the call to supervisor and hang up the phone, having a site that purposely does not work around payment times, so you can charge late fees and pretend you don't know what you are doing; not providing an email address so you purposely drop calls, or send callers to illiterate overseas agents who cannot speak English and are purposely trained to frustrate callers. SHAME ON YOU SANTANDER, SHAME ON YOU.

This is not the first time Santander did not take my payment and process it over the phone and then blame me. But this time they locked my acct but they didn't say I couldn't pay any bills. They said no one would get into my acct. Anyway the credit card I paid was to a Santander Customer Service Rep and was to be taken out of my Santander acct. I was already verified as me that is why they agreed to take the payment. A month later I am getting emails and phone calls which I was told to be cautious about since attempts were made on all of my credit cards, all the 3 credit bureaus, phone calls, emails, and etc... So when I got phone calls from Santander and didn't find the phone numbers in the computer I thought it was a potential scam.

I DON'T RECOMMEND SANTANDER FINANCE... READ ALL.. Do not use this company; it is the worst. If I could give them zero stars, I would. This company does not work with customers. Santander absolutely fails as a financial company! This is one of the worst companies in the world. The first time I used them in years for financing cars, and at the dealer, they told me I could refinance after 6 months so my interest rate could go lower along with my monthly payment. But the worst thing I found out recently is that out of my monthly payment of $764, only $200 goes to the principal cost of my car, and the other $564??? When I realized the amount that goes to my principal and saw that my car amount did not lower at all, I decided to contact Santander Finance.

Updated on 10/23/2025: Me and wife went to car lot in Lexington to pick a car out and we want a Challenger or Durango but they put me in a Durango RT. They sent to me this bank and the bank wanted a 1,149 a month for a 2019. Also I tried giving the vehicle back after I purchased it because the payments were too high and the monthly payments was supposed to be 837 a month! I even told them I don’t have a license or permit but they gave it to me anyway. The truck had a not for sale sticker on it which was yellow. Also the truck's being in the auction 3 times before me and repoed 3 times. The truck is from Canada. My account was closed and they opened back up.

It is impossible to find a phone number so you can speak with someone. I don't currently have an account, but I did and needed to find information. I never seen worse customer service!! I would recommend choosing a different company for a auto loan.

Every month I would pay by going online through my checking account no problem. A year ago when I tried to pay through my checking account I couldn't. I called my bank my routing and account was accurate and active. I called Santander, they informed me my checking account was an error, and I would have to pay using my debit card (which is a fee)! This has been going on for a year now, they can't give me an explanation, keep lying and hang up while holding for hours! I asked an agent to connect me with a manager, put me on. Never came back. Now I'm taking matters to a higher level! The fee to use a debit card adds up especially if this has been going on for a year! Just imagine how many other customers they are violating.... To be continued!

I've never spoke with a more unhelpful customer service department in my life. They have no idea what they are saying and clearly go off a generated script. They will do nothing to help you or assist you and even refuse to put you on with a supervisor. Then they hang up on you after you've been on hold for nearly 30 minutes.

I rate my experience with this company a 0. Customer service is okay if they can understand your without asking you the same questions over and over. This company will not offer you assistance in any situation. They only say make a payment. Make a payment but noooo help at all and Empathy is not an option. If you can get financed somewhere else. Take it with open arms.

First, this review is about Santander Consumer, NOT Santander Bank. In August of 2024 I purchase a vehicle at a local dealership. I was financed through Santander Consumer. The interest rate was higher than I would have liked, but I had some credit issues, so I accepted the loan. Things were fine for almost a year. Then, in August of 2025, Santander reported me as being 30 days late to the credit reporting bureaus. I was not. I only realized this via an email from Experian. I called Santander immediately and asked for the false report to be corrected. They said they would have to do an inquiry.

I give zero stars, but it won't let you submit a review without at least putting one star... I financed a $25,000 car a year and a half ago have paid $14,000 on this car and they say I still owe $24,200 on this car. Blue Book for this car is only $16,000 currently. Nothing has gone to the principal except for $800 in a year and a half. How is this morally right? How is this ethically right? How is this company still allowed to do business? This company should be put out of business by the better Business bureau because this is wrong. I'm a single mom with three kids and will still owe the same price of this car when I die and they will get nothing... How is this ethically or morally right?

I paid off a auto loan. Cancelled a warranty after and was owed some gap money from dealership. They sent money to Santander not knowing it was paid off. They cashed check and they say I have to wait 30-60 days for my money that is not theirs!! Say that is their policy. Show me where you can hold money on a account paid off!

This place is highway robbery, extremely high interest rate that was not disclosed to the vehicle buyer at time of purchase. They waited 3 weeks before telling us our interest rate was almost 20% which is ridiculous. They won't answer questions. They always say ans report you late even when you are in the grace period of making a payment. You call the US number and you get someone from overseas that can't speak English. This last time I called they told me I had to go thru my insurance to get my interest rate lowered which is not true the person was not from the US. I am highly irritated they have ruined my credit and they won't answer questions. They tell me to keep going thru my insurance. I really despise this company.

I got a $15K car loan with no issues at all. Paid the loan off and Electronic lien was immediately removed. Thank you, Great Bank and the Customer Service Department was Excellent. I would use Santander again.

This is the most predatory lender to ever exist. They exist simply to screw desperate people out of money. I walked into a Nissan dealership with a loan check from Navy Federal, hoping I could put a decent down payment on a car. They said they don't do outside financing, but they think I could probably still leave with a car. After some phone calls, they offered me a deal of $608/month with Santander, which I was EXTREMELY hesitant to accept. I told the salesperson that $608 would be hard for me to maintain long-term and that any minor inconvenience will easily set me behind on payments. He practically twisted my arm, wouldn't take no for an answer, telling me that I could refinance in a year or trade it in for something better. That was a complete lie.

Santander repossessed my vehicle in February 2025 while I was in a domestic violence safe house and fully covered by insurance I had already prepaid. I filed hardship requests, demand letters, and escalations, yet they refused to work with me. Santander ignored the realities of my case and violated basic decency in how they treated a single disabled parent. They caused catastrophic harm — job loss, medical treatment delays, housing instability, and compounded trauma. This is a predatory lender that should be held accountable.

Go away from this lender. Far, far away. If you don't, you'll regret it. This company is a joke. The reps barely speak English, and give out wrong information. It appears that these idiots are the bottom rung of the loan ladder. Even my dealership was reluctant to endorse their services. One salesperson even said he would not make a car-deal if Santander was the only choice for a prospective buyer. You've been warned. This is the worst business I have dealt with in my 64 years on this planet.

I brought a 2018 Kia Soul and had it financed through my local Kia dealership. I had to take out several extensions due to me becoming unable to work. I am only a few months away from paying off my vehicle. However, when I added up my interest payments they came to 17,668.50. The car loan was 22,009.79, and they are charging me 1869.00 in late charges. I am paying almost the cost of the car in interest, late charges. I wish there was some way to stop predatory lenders. But I also blame the car dealership, who obviously work hand in hand with these type lenders to get people approved.

I was unable to do a wire transfer which was clearly stated in the automated message that could be done. It did not mention that you can only pay up to a certain amount, rather than the entire amount. Additionally, I could not secure an actual person on the line due to the way the automated voice message as set up. Additionally, I was given three different mailing addresses to send a check to and had to spend up to 2 hours on the phone lining out all the information needed to proceed with paying off my car. This company is clearly in it purely for monetary gain and cares nothing for its customers nor their needs. The website is outdated and clunky, the representatives do a pathetic job and won’t give you a straight answer, and the whole institution feels slimy and careless.

Santander Consumer Finance is a morally bankrupt institution. I imagine it comes from the top down. Our car was totaled in an accident. We’d had the car for some years and with the rate we were given, we paid way more than the original loan amount. As a result, we were offered by Santander a settlement to pay off car. We advised them our insurance company will be sending the funds within the allotted time. We even did a 3 way call w/ the Santander Rep and our Ins Rep. Well when our insurance co reached out to pay them off, Santander gave them a 6k higher pay off. Then told us, they would refund the overage. Well, once they received the 6k over the agreed amount they told us there would be no refund because the settlement was between Santander and us, not the insurance company. Deceitful Crooks!!

Santander is inexcusably harassing our business. When I went to pay our vehicle payment last month, their online payment portal showed there was a $1,695 payment made on 7/2/25 and the current payment was $0. I have a copy to prove this. They are now calling us to tell us that the $1,695 payment was applied to principal only and not counted as our monthly payment...but that's not what their website stated. Why are all banks such crooks?

I redeemed my vehicle loan in full, yet Santander Consumer USA has allowed their repossession agent to hold my all-wheel drive vehicle for what I believe is an unreasonable amount of time after redemption. Under Ohio Revised Code § 1317.12 and UCC § 9-623, once redemption is made, the creditor must make the vehicle available without unnecessary delay.

Communication is nonexistent, the website seems almost fake or never works as it should. Payment portal logs me out or doesn’t process payments. Interest is through the roof. Stay away from this company at all cost!

Horrible -100 to -1000 stars. This is the worst place I've ever had the discomfort to deal with. I refinanced my truck with a local bank. They call for payoff and sent Santander a check. 4 months later Santander never released the title, now they say I owe them another $500. I don't understand how a place this shady stays in business.

Been making car payment through Santander with a used car from Enterprise since 2023. I fall short on a few payment while trying to catch up. My car got repossessed. Right now I owe 3100 to get my car out right now that includes repossession. Fee. They don't work with you. Just want money.

I really feel sorry for myself for taking out a car loan from this company. Can you believe it? Every time I make a car payment, they report my credit and ruin my entire credit score. Can you believe it? They reported my credit right after I paid the monthly car payment, and now I can't even buy a bike anymore because this bank ruined my credit. The worst part is I've been paying for the car for a year, and the principal amount of the car hasn't changed.

I would give them 0 stars if I could. Their support is a complete joke. I am not sure what call center they use in India, but it is probably the cheapest one. If you ask a question that requires them to do any work of any kind, they just disconnect you. Over and over. If you call they will try to pass you around until someone hangs up eventually. Ridiculous. If you are trying to purchase an automobile and they say they have you approved with Santander, run because a dealership dealing with these clowns is not someone you want to do business with.

The absolute worst company to deal with. My vehicle was totaled on 4/17/25. My insurance company sent a check to payoff the loan on 4/30/25. After 30 days, the account was still showing a balance with no indication the payoff check was applied and I was told they never received the check. A second check was overnighted and received by Santander on 7/2/25 which was not posted to my account until 7/13/25 (over 10 days later).

Do not get a loan with Santander. I am going to be honest here so some can relate. I bought a car in 2021 at a tough point in life where I had to let my credit slip and move away from an abusive situation and my home state of 50 years. They gave me 17% interest as my credit was around 550, I took it because I had no choice. Now to today, been here in my new state over 3 years, took responsibility and control of my credit, bought a small home and pay my bills IN ADVANCE, a month early or more.

If you go to a Dealership and finance through them and see Santander as a finance option don’t do it. They tend to report false payments to the credit bureaus. I made my last few payments (more than the actual payment) before 30 days and notice they keep a $19 payment due on the account in my profile. I made a $100 payment to make it go away and it’s still there. They mark my account delinquent 30 days for $19 fee even after paying $100 extra to try and get that paid. I’m glad I’m almost done paying my vehicle off. I don’t even want to call them since they are difficult to work with on correcting things. I’ll just report inaccuracy on my credit report.

This bank is a joke!!!! I cosigned for my daughter's loan on her truck. I could keep track of the payments. I also had my checking account linked to make payments. This month when I looked at the balance it was at $2200 so I transferred the money. In the meantime, she had made a payment 2 days prior, so I overpaid, and they took $1100 extra!!!! Then they told me they will mail the refund by check, and it will take 30 days to process before it goes out!!!! Are you kidding me, this is total BS!!!!

Bad company to deal with. Need their company put out business. They are not right. Do not get a loan through them. They are aggressive car loan people and bad consumers services rep. Hardship program is fraud and a joke.

Someone should start a class action against them. They purposely manipulate their app to force people to pay fees. If you pay with a bank account (0 fees) they won't save your information. But if you pay with any of the methods that have a fee, they save your information.

My car payment is 275.74 a month. I was told a few weeks back that any payment that I made extra would go to principal. I paid 300 on my 1st bill, on my statement it didn't show where the extra 24.26 went. So I made an extra payment of $25 to see where it would post. I checked my account and it posted to interest. I called customer service and told them that I want the extra posted to principal and there wasn't an option to do that on the website. They told me I'd have to call. I asked to speak to a manager. I spoke with David (ID **) and he told me that there was no option to have the extra money I pay to be put how I want it and that it will go to interest only. I want to pay down my balance and if I pay extra, it should be directed where I want it to go. I've paid a total of 49.26 that I want to go to principal. I have reported this to BBB, CFPB, and reported to to TX AG.

I have never been late on a payment in 5 years and they even attested to that. Keep that in mind. Their titles dept sent my cars title to multiple incorrect dmvs in many different states (for 2 years)... Just never the correct one and that resulted in my car getting impounded. Now they're trying to repo it. I can't make this up and I wouldn't wish this on my worst enemy.

Santander is Corrupt, sham, deceptive, and dishonest with consumers and business acts and practices. We applied for a commercial auto loan and was not informed that the dealer would be using such a deceitful company. Long story short, we were denied. When we requested the required written statement of specific reasons we were given the runaround, placed on long hold times, and disconnected by the customer service representatives. We sent a considerable amount of time over the phone to get nothing. I am glad they didn't approve us but concern about them violating the federal and state laws by failing to notify us of the denial reason upon request.

This was the worst experience in dealing with a complaint I have ever had to deal with in my life. The manager (Andres) employee number ** was the most empathetic, unapologetic man on this earth. I called in to report my uncle death to return his car that was not paid for and to report the location of the car. They came to the location of the car and tore up my uncle's yard attempting to remove it from a tight spot. My uncle whom had the key and no one ever knocked on the door to retrieve the keys so he could allow them to pick the car up with ease. I was told to send the death certificate once it arrived and within 10 days we would be notified and they would pick it up. Never happened!

I will never deal with this bank whatsoever. You make payments and nothing comes of your loan. They tell you it's the interest that you are paying on. What's the point of making payments when it does not go towards the loan. I strongly suggest do not get a loan with them. Highly disappointed.

Absolutely worst company ever to deal with. I was told by them, that they would handle my claim, now they are telling me they can't do anything. Yet they expect their money due in three days. Money that should have already been paid, had they did what they said they would. Now, they suddenly can't help me. Avoid Santander at all cost!

This is a horrible company. No humanity to them! I bought my SECOND car with their financing. I paid off the 1st car in record time, so they didn't make so much interest.. yeah! Second car, wasnt so easy. I was in a car accident that broke me physically, mentally and financially. I chose not go with Santander again due to them calling me SIR. I have never been a man, not trying to be one. No transgender going on here. My name should make it obvious I am female.. this happened 3x, they laughed at me. Getting their jollies from this I guess.

We have been banking with Santander for over 20 years and they just keep getting more inept and charging more fees. They have refused multiple online purchases with the cc which is very embarrassing. I tried to open a business checking and waited two weeks and they didn’t know what was they were doing and I had to change to another bank. Victoria in Manchester, NH just charged a $10 fee for a cashier's check. We bank for years and years. They always waive it. I would have asked for the money in cash if that were the case. Very rude and didn’t not ask a manager. I would not recommend any person bank here. There are so many instances. They just keep getting worse and worse.

reps, they AGREED their website is misleading (it was recorded so it is on file). I paid extra $2,000 to cover all state taxes on the lease and what they claimed were late fees.

This company is racially biased and needs to be investigated. They offer no remedies for issues that you complain about, are not consistent, and are unfair with the clients. They will submit false data and information to appear to be in compliance when you file a valid complaint. All in favor of filing a class action lawsuit, let me know because they need to be shut down, pay heavy penalty fees, and compensate consumers for deceptive actions and discrimination.

I am a Jeep customer and lease several Wranglers from Chrysler Capital. Not anymore when I'm getting charged for an early termination apart from my remaining payments and disposition fee, was never explained at the time of signing my contract

They provided Tesla loan. When car paid off and I overpaid balance they open and send you a credit card with the overpayment. Website is terrible trying to register. Had to call to request a check payout. Bank is terrible. Never will finance anything again that uses this bank.

I was sick November and December of 2024, COVID really bad. Therefore I became late on my payment. My only 2 late payment in years after been with this company. In 2025 January my account became current. I called Santander I explain my situation and I ask if late payment that was reported to my credit can be removed. They said NO, which was crazy because I was sick really bad with prove that I was. Santander is not good with helping their customers in time of need, they do not acknowledge sickness. All they care about is their profit.

Shady banking institute especially in auto loan division. There are better banks with better rates that actually have their clients' best interests unlike this predatory establishment. They do not have your best interests at heart. Sad the higher up the ladder of management you go the more shady they become.

Absolutely tone deaf bunch. Terrible customer service. Try and make it easier for loyal customers to pay you rather than desk jockey diatribe. Trying to reinstate auto pay is an exercise in customer frustration.

We owe the backpay on our car. We are on SSI. We get paid twice a month. Our car payment of $795.00 is hard to pay at one time. Santander doesn't want the payments twice a month, so they add extra fees for everything. When you talk to them you get someone who doesn't speak good enough English to understand them. They are well known for not helping the consumer. DO NOT LET ANY DEALER FINANCE YOU UNDER SANTANDER!!!!

Santander Consumer USA offers me opportunities instead of my 2021 vehicle loan. My 2021 Nissan versa is financed by the bank and I am very satisfied with their service even with my fair credit score. If I need loans l will call the lender in the first instance.

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.

I had an auto loan with Santander for quite a while. My last payment was coming up and I haven’t bothered to mess with anything because autopay worked fine for years… Until the last payment. I never received a notification that they had an “error” in my autopay conveniently on my last payment. Now that I’ve noticed this they want to charge me over double what the remaining principal is on the loan. Really gotta make sure they squeeze EVERY drop out of you. Avoid this company like the plague.

By far the worst auto loan consumers I've ever dealt with. The agents are horrible! Absolutely 0 help. They are very rude, and inconsiderate. I would never recommend this consumer company to anyone I know!

I've repeatedly contacted Chrysler Capital customer service in an effort to get my lease payoff amount corrected, yet every attempt has been met with frustration. I'm either placed on indefinite hold for excessive periods or provided with payoff amounts that are blatantly incorrect—amounts that actually exceed what I originally paid for the vehicle. This lack of competence and accountability is completely unacceptable.

We purchased a 2008 Jeep Commander when Fiat Chrysler was offering their "Lifetime Powertrain Warranty". We have kept it up meticulously for all the time we have owned it and have refused to sell or trade it because of the warranty we thought we had. It now needs some service and we have been told that Fiat Chrysler "canceled" our Lifetime Powertrain Warranty. I have done some research and found that they have been sued in class actions over this very issue. They are a garbage company that does not honor their obligations. I will never again consider any vehicle that falls under the Fiat Chrysler/Stellantis companies. It is no surprise that so many people who counted on these warranties they were promised have been screwed. I will celebrate a Stellantis bankruptcy when it comes. #Scumbags

This is, by far, the worst financial company I have ever dealt with. Their services are a joke and their customer service is offensively bad. Not everyone is financially blessed and this company is predatory on those in the most need. The assume they can treat their customers like garbage because they don't have many options.

I couldn't make a payment to a closed account then had to get paperwork they sent in error notarized and then sent back and then they are pretty much putting the blame on me that they screwed up.

Do NOT use Santander for your auto finance. I'm 44 years old and I have had financed cars since I was 18 years old. I had never had such a horrible experience before until the last car I financed it from Santander. I got into a car accident that wasn't my fault and Santander didn't do anything to get this resolved after I reported it. I did all the work for them. There was not even one department that I spoke with that had good customer service or was willing to help the client. I had to work with my insurance company and Gap Insurance to get all the documents needed.

Santander refused to honor a check written to me from Chrysler, they told me they would only honor it if I opened an account with them.. The check was drawn from an account holder. so I asked why I was given a dirty look and an attitude like my question was obscene. Then had the nerve to tell me, "Go deposit it in your account" when I said I didn't want to open another account.

We closed out account in October, 2024. Yet twice, once in November, 2024 and again in December, 2024, our bank was charged for car payments of which should have not happened. The first time, we called and Santander apologized for the mistake and immediately confirmed and returned the funds back into out bank within 4 business days and "promised" that would not happen again. However, we soon discovered that yet another withdrawal from our bank was taken in December, 2024. We called again and were on phone with numerous agents, discussing what needed to be done in order for the funds to be returned back to our bank. However, we were again promised that the "executive" we talked to said that he would handle the matter before business closed at 5:00pm. No phone call, no message returned.

The dealership we bought a vehicle at unfortunately used Santander and here we are with issues. The customer service is awful at best and upper management is absurdly condescending. Santander USA is of NO help! Stay away!

NEVER EVER EVER will I be able to trust any bill collector. I had covid and flu and was out of work, no pay for a week and got behind on bills. I took it upon myself to call Santander and tell them I needed to know what to do, and they are the ones that told me I could $300 and then $340 a few weeks later and then do a $640. Well, I did that and was calling them telling them the exact date I could do a $300 and then $340 payment, and everything was good going great then I call them after thanksgiving to tell them about the dates in December that I was going to do the $300 and $340 and they inform me my car was charged off and up for repo. I said "excuse me."

Terrible customer support. Making rounds of DMV due to lack of competence and knowledge of customer support. From providing different instructions each time to providing incorrect email addresses, the support person are clueless.

This has to be the worse lien holder you can have for your car. They don’t have no customer service. They don’t have no knowledge of anything and they are extremely rude and slow. I’ve been calling since Nov 18th 2024 requesting the title to be sent to my dmv to register my vehicle and it’s Dec 6 and that title is still not made it there and I’ve been calling once a week since Nov to check on it and they still have not sent it. This place obviously don’t care about their customers but they want our money on time but can’t process the request of their customers on time. Ridiculous. Can’t wait until I find a better bank to finance with.

This bank should not operate in USA or deal with any USA business. They will be punished soon for scamming USA citizens. Every crooked dealer will be punished of theft and scamming USA citizens. No thanks to Illinois thieves leaders. Wait till your time come.

Car was paid off and they never sent me a copy of my title, a few years later when the car was totaled and I needed the title I found out it was sent to the wrong state and they have done nothing to try and help get the title to me. Called directly and explained why I needed the title and was told a request would be put in for it to be mailed to me, called back a week later and was told they don't have it on file and suggested I called the state where it was sent and to figure it out myself.

I've had a very poor experience dealing with Santander. I purchased a vehicle in Nevada and moved to Missouri shortly thereafter. Trying to get the car plated in Missouri has been nothing short of a nightmare. Visiting the DMV is never fun but I fully expected them to need additional documents/details upon my first visit. The DMV told me that Santander needed to complete a specific form in order for me to get the car licensed. I've called Santander 9 times trying to get someone to sign the form (I've already filled it out). I either get bounced around, hung up on, or I get someone that has a very tough time communicating since they don't understand English very well.

Santander is AWFUL. Will not trust that for over ten bucks. Period. I had requested first deferment; was to led to believe it would be all right. But no, I was told that never got the request from me and I had to pay huge late amount. Put in second request this year; was not working for 4 months and just got new job. Was told two months deferment would be approved but no, got email saying I failed to keep promise to catch up total payments owed to Santander which really failed to promise me deferment of two months. Utterly terrible car loan!! Will never use it ever again if I need to get another car after my current vehicle.

If you have a car loan through Santander and pay it off don’t expect to get a title within a reasonable time frame. My loan was paid off September 4th, 2024 and here it is November 28, 2024 and I still don’t have a title. I’ve called 5 times about my title and they just keep screwing me around. God forbid I miss 1 car payment they’re going to send someone to repossess my car, but when it’s paid off they screw you over time and time again. The Last representative I talked to said I should have it December 10th, even though I should have had the title in hand no later than the beginning of October. Do better.

Stop calling me!!! You will be reported if your auto caller calls me one more time. I would have given you a zero star for giving me a heart attack for no apparent reason if I could. Stop calling me!!!

I would walk my chubby butt 50 miles each way to work before I’d ever use this company again. I got my car the July of 2016 and couple years later I was going through a rough time. They did move 2 payments to the end of the loan (that was cool) however they continued to call saying my payments were late even though they moved them and they weren’t, when I got straightened out I tried to get my payoff and it was 1000’s more than what I still owed. Come 2023 when my car was to be paid off in June my 2 moved payments would mean it’s done in August. Right?

If Santander is the only bank, just wait, Santander will only make matters worst. You have to give up a leg before you talk to a live person. Their system is always crashing. They make you use a customer service number that doesn’t work. The staff will disconnect if your problem isn’t EASY.

I have unfortunately used Santander for the last 4 years. Until two months ago there wasn't a fee to make a payment. They began charging a fee to make a payment and call it a convenience fee. Once I do make a payment it doesn't post until after the grace period so the charge a late fee even though the payment was made a week early. Predatory practices.

I got a car through Jacksonville Arkansas Ford crain. The dealership had messed up with me and 50 other people on the paperwork. Put their names in the wrong place, etc. Fighting both Santander and Ford crain. Nobody would help me get the car. Paperwork done right so dmv would touch it after countless tickets. I had to make a deal with the police dept.

Go to any other bank than this one. I was a Santander customer for 5 years. When I had a situation where their internal system rejected a credit card payment for no reason, due to internal error. As a result I had no credit card for 3.5 weeks, and so I tried to deposit a check to offset the fact I only had access to my debit card. I literally would’ve been better off starting a new account at a new bank with that check because they held that too, then lied about when it would be released so I accrued late fees totaling hundreds of dollars for things like rent and insurance. Now I’m left to pay for Santander’s damages and mistakes and have lost work hours as well. The fraud department is useless and they have no exceptions for checks and balances that put customers at serious risk. If your security measures put customers in danger, they’re not security measures. Currently looking into how I can get the money back they lost me.

I was severely affected by Hurricane Helene. We lost our home and our jobs. My car is buried under several feet of mud. I just received notice that Santander is repossessing my car even though we had a payment agreement. They don't care about our circumstances. They want the payments caught up immediately or they are taking the car. So. I notified my insurance company not to worry about excavating the car from the mud. If Santander wants it, they can go get it. I would NEVER recommend this lender to anyone. Not after this. They went back on a payment arrangement and now demand money for a vehicle when we are living in a Red Cross tent. WOW.

I called and got the payoff amount for my truck loan and sent them a cashier's check for that amount the lady said the quote was good until Nov 4th. Now on Oct 24th they say I owe more money! They do not honor their quote!! I should NOT OWE ANY MORE MONEY! How do they get by doing this? I will NEVER have another loan through these people.

I’ll admit, Santander was lenient to me when I fell behind on payments. I will give them that but the reviews about the company being awful is true. It’s a greedy company. I did the math I paid about 17k on 20k Honda civic, but still owe 13k. How is that possible? I never missed payment until times got hard. I wouldn’t recommend, just save your money to buy a car on your own.

Tried to deposit $500 cash in the ATM. The machine malfunctioned after it counted my cash. Spit my card out. No receipt. I panicked and ran into the bank. Teller nonchalantly handed me a phone number to call to straighten it out. Told me they have nothing to do with the ATM at their bank.

My account keeps getting hacked many times with this bank and every time I have to wait 2 weeks for a new c card but worse than that, I see suspicious activity and try to call them. After waiting 20 minutes for anyone to answer the phone, I hung up and drove to the Grand St, New Haven, CT branch. I walk in and explain I need to speak to someone and the teller says, "Oh, you have to call the fraud Dept". I explained how nobody is answering and she said that's the same number we'd have to call... but didn't. I called the number again and waited 27 minutes for anyone to answer. The rep was condescending and it made me realize it's time to close this account since I am not a valued customer.

Terrible company, with a questionable business practice of limiting the amount and/or number of payments you can make on your loan. I had managed to get my loan down to a number that would allow me to completely pay it off. When I tried to do one large payment it was declined. When I tried to call their customer service to figure out the reason for the decline I was met with back-to-back days of 1-2 hour wait times. Then I decided to try and make smaller payments each day until the loan was paid off.

I've had an auto loan for over a year. I have never made any late payments. I called and asked to delay this month's payment for 1 week because I had emergency cancer surgery and the MFPL act hasn't kicked in. After an hour they assured me it would be auto paid on the 18th. That didn't happen. They over drafted my account. That cost me $40. I needed the cash for gas money to get to my appointments. After telling the representative this she said there's nothing she can do and the manager wasn't going to do anything either about it. Really classy loan company. I only asked for a week delay. I have 3 kids but I guess it's money over everything else!!

These people are the worst, never use them. They lie if you need information sent to you from them good luck. I requested copy of title sent to dmv to get it registered, it took 5 months, I had to tell them I was not going to make payment till they sent it then they finally did.

Absolutely disgusted with this company. First time financing. Messed up and signed off on a $1005/m loan on a $30000 car. They KNEW it was bad and did absolutely NOTHING about it. Just delayed the inevitable and swept the the rug right out from under my feet. Went from a credit score of 638 to 509. Shame on you all! Do not use them!

This is worst banking ever in my life. The customer service is really bad. If you like to call or live chat you have to wait more than two hours. I have my car load with this bank and like to make pay off. There is only option to send check to them. There is no way to get any alternative option because I am not able to connect any customer service. They have long queue like more than two hours.

I refinanced my loan balance with another lender. New lender sent the payoff check to Santander. I was advised by the new lender to make any scheduled payments due to Santander until the payoff check was recognized on my account. My $500 monthly payment was pulled by Santander before they applied the payoff to my balance. Therefore I am owed a $500 refund. Attempted multiple times to call - when I enter my account number, the automated system doesn't recognize it. It's a labyrinth to find a way to reach a live person. Out of 10 attempts I was successful once.

They're just taking my money. They lied. They reported me to the credit transunion for nothing. If I were behind 90 days, why wasn't the car reposition. They don't give notices at all. I never missed a note, they keep lying and saying I'm behind three months every time, so I can keep paying them, after they have put me in the credit bureau. If Santander USA, has reported me, why are you double dipping. I have receipts along with confirmation numbers, when I tell them to look in their data base, they pretend crazy, or hang the phone up in your face, they do that to me. The phone lines never work, or they put you with an advocate that can't speak English. I'm being scammed. I need the number to report SANTANDER USA LOCATED IN FORT WORTH, TX.

You know I wish I could just give no stars. They do not support customers during hardship, they added late fee. They are scammers. I can’t wait to refinance my car. Had me on the phone all those hours thinking they were going to approve me…I hope they’re reading this too

This company is the biggest scam. I was behind with my car note. Mind you I communicated with them often all while still sending money. When I got another job I was paying double and months later they still came and got it. I paid to get it back and asked was I in the clear. They stated yes. Just to slap all these fees to try and keep me in the hole. They don’t communicate with each other and don’t stand true to what’s been said.

I have been dealing with Santander since July trying to get a gap refund which is owed to me and this is now September and I still have not received my check, everyday you speak with them it’s something new as to why I have not received it yet, the hold time to speak to someone is absolutely ridiculous. I was on the phone yesterday for 2.5hrs just trying to speak to someone and hear more lies as to why I have not yet received my payment. I do not recommend this bank. The accounts payable department is a joke and you surely can’t speak to anyone in that dept. I am supposed to receive a call today for the first time in 4 months from them today but again that will not happen. Looks like #wbtv news might have to investigate what going on with this company and the account payable dept!!!!

Santander sucks! I was with Lending Club and then they sold my car loan to Santander. Now I'm stuck with his horrible company. So by extension Lending Club sucks too. I wanted to start paying off my car loan sooner. So I tried to set that up on their website to increase my monthly payment. But there is no way to do it. Or it's intentionally difficult to find where to do it. So I called their customer service line. The customer support person acted like I was speaking a foreign language. It might be a rare for someone to pay more on their car payment, but not that rare. SO unhelpful. I would not recommend getting a loan from them, EVER. I wish I could give this company negative stars, because they don't even deserve one.

I never recommend to use Santander Consumer USA for car loans. I was in a car accident on July 30th and had my car towed to a tow yard close to where the accident happened. Mid August Santander picked the car up before insurance could total it or not. They are giving us the runaround on letting insurance pick the car up. I DO NOT RECOMMEND THIS LENDER TO ANYONE!!!!

Be prepared to sit on hold for 55 minutes. I’m not real sure what’s going on with this company. Also they make it rather difficult to pay off the loan. Once you get in touch with someone it’s smooth sailing. I didn’t let them put any extra fees on me. But I did notice when I first received my bill With an amount total in five days later it increased by $60. I’m just happy after sitting an hour on hold. I’m done with this company.

If I could give no stars I would. Their phone line is just trash. Tells you that you have 21 mins to wait but when you get down to 30 secs. You wait an extra 20 mins of it saying 30 secs until you get a rep. At this point you’re on hold for 40 plus mins. Someone finally picks up and immediately places you on hold again with no premise of why. And the cycle starts over again. Just terrible.

It should be illegal for a company to be in business the way this company is. Customer service is absolutely atrocious. Two calls in 3 hours.. On hold for 40 minutes the first time.. Someone answered and hung up immediately.. Second time.. 65 minutes with the last 15 minutes being “estimated wait time 30 seconds” and when they finally answered, absolutely zero help and clueless as all hell.

Customer service is awful; I've spent hours on the phone trying to get a payoff quote sent to my bank. The first time they said they faxed it, now I'm on at another 50 minutes currently. I would never do business with these folks again.

Don’t do it. I was already in a bad place financially and peer pressure from the dealership. Santander should have never approved this loan. I’m paying 853.00 a month for a Hyundai. I really want to know what my internal score was. Again dealership wanted the sale then Santander wanted the money with all this interest and I was the stupid one for saying yes. Again sometimes to help people out you should say no. Just saw they had a lawsuit for this years ago. They must not care. I think another lawsuit should be started.

I received a check from Santander on august 17, 2024 in the amount of $1063.79 for gap reimbursement. I went to cash the check, and the check was denied due to they received multiple returned checks from the account. The message also stated, do not deposit or cash any checks. I called santander to discuss, I waited an hour and 30 minutes on the first call. A representative answered. When I told him the reason for the call he hung up in my face. I called back and I was on hold for another hour and 45 minutes. Disrespectful and ridiculous!! I am pissed and it's embarrassing. So are they sending out fraudulent checks on a bad account. This needs to be fixed asap!!

Every single representative to supervisors give a DIFFERENT answer! Do not trust them. Pay 3-5 days before your due date. Call in to direct money to your FEES. That’s how they got me and repo my car. I assumed I was paying stuff off and never was. All my money went to INTEREST!!!!

This bank tells the dealerships you’re approved and as soon as you are about to Head to the dealership to sign the paperwork, they turn around and tell you that you have to have a cosigner and that the amount of income on your application doesn’t match the income that they have and they refuse to honor Social Security disability, and or long-term disability income. That’s against the law. They absolutely absolutely cannot deny you because you are on Social Security.. denying the disability income is considered discrimination. I only hope and pray that someone calls me and makes all of this right 'cause I’m ready to go to the authorities no questions asked.

Tons of hidden fees, paid 33k on a 35k car and they still say I owe 24k! Everyone who runs this company should be in jail, and employees as accomplice. They've lost class action lawsuits for this behavior and still haven't changed policies. DO NOT GET TRICKED INTO USING THIS COMPANY!!!!

Absolute dumpster fire of a company! Avoid at all costs! Otherwise they will take as much money as possible, claim your missing payments even when you have bank statements and their own company's statements to prove you made payments, and not there to help customers. Customer service is garbage. Full of snarky people who refuse to help. Wish the rating had negative stars.

I do not recommend this company. They do NOT work with you, poor communication, liars and are extremely rude and even hang up on you acting when you're just trying to get help! If there were a 0 star that’s what they would get. They don’t even deserve a 1 star.

The payment portal changes every month and is a red flag. I'm getting rid of my car and car payment, since I have an extra car that's paid off. The payment portal changes and so does the website. Customer Service always sounds like they're at home, completely uninterested in your call.

These people will take you for all you have and won't help you in the slightest. They were the ones chosen for my car loan through a car lot. I was ecstatic because my previous car had gotten totalled and it took a month or so to get me in a car. But as soon as I started there were issues with the payment portal. I paid what it said I owed but a couple of times it would say an amount smaller and I thought it was because I paid over because I was trying to pay every two weeks instead of once a month since the payments were so big.

Terrible company. Scumbags with extra fees. Gangsters. Try to avoid those people. Everyone must take them to court. They charge you as they won’t and how they won't. Customers service very terrible, no good English speaking

They no longer gave me access to the website or the automative system after I paid off the whole balance. I was forced to try and reach a live representative. After too many questions with their phone system, I am told that my estimated wait time is 30 minutes but in fact was 3 hours. I finally get a phone pickup only for them to hang up instead of greet. I was never given any confirmation on when I would be getting my car title. I am still waiting. I've tried reaching them for days and can't be holding for them for hours at a time.

Spoke with a woman when I had a reduction in income. We had agreed to reset the new date to the end of August, I’m still getting calls as if we never had the conversation. Then spoke to another person. She was like, "Oh it was never finalized"-no the woman didn’t do her job. I had a date and everything. Then I’m told by this woman that it won’t matter if we make an agreement anyway of a new payment date because they’ve already reported the late payment to the credit. So what’s the point of doing an agreement if you can only do it from an earlier date to which it was already reported? Make it make sense.

Theses are bout so idiots. Nobody speaks good English so you can’t understand a damn thing they say. Signed up for auto pay. The money didn’t come out. Which they said was my fault. But I go to pay from a debit card and their system doesn’t even recognize my account number. A number in which they gave me. Was on hold for 2 hours and nothing got done What a joke.

You owe me a new rear view mirror heart since it’s been sitting out in the heat and most definitely destroyed. Claims I am FIVE months behind on car payments but won’t show proof. Claims a letter was sent out. I get all my mail but the warning of repossession letter just happens to get lost in the mail? Sure. Broken record employees who say the same spiel over and over. We get it, you’re required to say certain phrases to take the blame off of you. Do you actually think we’re stupid? Stole my car in the middle of the night along with my wallet and several hundred dollars worth of money. And I need an appointment to see my own car and get my stuff. Didn’t know you were a doctor's office. WHEN I get my car back I’m financing through someone else, but I’m not staying with a company that will go bankrupt.

I have truly never dealt with such a rude, unhelpful, condescending and unapologetic customer service team in my entire life. I submitted my payment as per usual, got the confirmation email and that was that. Fast forward to today, my cosigner starts receiving notifications that the account is 31 days past due and at risk of becoming cancelled. Now I have not received a single text, email or phone call since my payment confirmation.

I have been with this company for almost 4 years. I am extremely unhappy with this financing company. I've made every payment before it was due until I had a hardship and my car broke down which put me delinquent on two months of payments. Even after my hardship I have still made my payments before they are due on my still broken down car and they refuse to put my two delinquent payments at the end of my loan until I knew when I could fix my car even with my impeccable payment history which is completely asinine because my payment were never late and always paid before they were due and I'm still making payments on my vehicle so they know I'm trying to get back to my impeccable payment status.... The fact that this company doesn't even look out for their customer during a hardship in life is completely unacceptable and definitely lowers the faith and trust I had put in this finance company. I suggest you look elsewhere before financing with them and if I could put 0 stars I definitely would!

Updated on 08/26/2024: AVOID THIS COMPANY AT ALL COSTS! Coming back to update on my July 25, 2024 review. Again, I would give this company negative stars if I could. They still have not completed the necessary steps to close out the loan I have on a car that was determined a total loss back in early May. I've paid 4 months of car payments and have not had the car in close to 4 months. They threaten to report me to collections if I don't make the payments so I am hamstrung until they do their part in perfecting the title and settling with my insurance company. I call at least once a week now to get updates.

They just lie, and lie, and then lie some more. Even though they take notes and validate what you said they still do what they want to denigrate you and your credit. Their customer service department is not capable or knowledgeable enough to handle situations due to they're outsourced.

I’m warning anyone who wants to finance a vehicle through this horrible SANTANDER company to be extra careful and take my advice. In this whole universe, don’t you ever think of financing with either SANTANDER or Westlake Financing. They are Crooks, Thieves, Rip-off, Scammers and Super highway robbers. I have regretted financing a car with SANTANDER and it’s almost 7 years now, I still haven’t finished paying for 2016 Yukon XL I financed through them. Don’t make that mistake. Choose a different bank other than these 2 companies.

My vehicle was totaled and they received the insurance payment and the gap payment. I have been in constant communication with them this whole process. Once they received the last of the payments I called to get the final balance that was owed. I received it and made that payment online over the amount just in case something came up. Now they are asking for an additional $339.15 for additional interest because of the delay out of my powers because of when the checks were received, there shouldn't be any more incurred interest since the account has been closed since April. Customer service is rude and not helpful, the managers on duty are the same. They have zero records of me calling over the past 5 months which is baffling. I will never do business with them again. I have NEVER had such a hard time with a company in my entire life. I am not waiting yet again for a

IF I COULD GIVE ZERO STARS I WOULD. They are constantly changing my amount due as well as my due dates. Once it said I was good until August 2024 to pay, now it's saying I have to pay $350 by July 24th, 2024. Before that, it said I owed $885 by July 17th. Then it said I owed $1,376 by July 17th. I paid so many times and it keeps saying I'm past due. The amount seems to change daily and the records of my payment of over $1000 no longer shows in their system. I tried calling them but the wait time was almost 2hrs because over 500 people were on the wait list. It makes me wonder if they are doing this to other people. I'm going to write the Better Business Bureau in regards to their practices and how they are charging me constantly and getting rid of records of my past payments to make it look like I never paid.

There was no choice for 0 star that's why I made 1 star here. So~~ ugly and terrible customer service phone responder...it was disgusting. I don't know why Tesla is related like this terrible company. Responder have no any attitude for the customer service.

I recently paid off a vehicle load I had with Santander, 6/7/24, by a full payment. I checked my account online and there was zero mention that it was over paid. It simple posted a lesser payment then was sent in. I received zero communication from them at all. I finally called, the representative I spoke with said, "I see this account is paid. How can I help you?" I explained it was over paid so where is my overage money? She said, "Oh I see that. It is scheduled to be mailed on 7/12." What!? No interest either! So you're telling me you're going to hold my money for over a month? Free? How about I don't pay you for 5 weeks and NOT pay any penalties or extra interest?! Oh and she then said, "Your title was mailed on 6/20!" Terrible! I paid another car off the same time. Not only did they mail my overage check immediately, I already have the clear title to the car! Terrible!!

Santander's mobile banking app is a nightmare. Recently, I needed to use Zelle, but it told me I had to wait 30 days to make another transaction. When I called support, one person blamed Zelle, another finally helped, and then the online banking supervisor said I hit my 30-transaction limit. Yet, I haven’t even spent $2,000 this month. The app is frustratingly slow, crashes frequently, and has sync issues. Basic tasks like checking balances or transferring money turn into ordeals. Despite reinstalling the app multiple times, nothing improves. The conflicting information from support adds to the chaos, making it impossible to rely on for managing my finances. For a major bank, Santander's app and support are astonishingly inept, leaving me seriously considering switching banks.

I paid my car off in full on June 12, 2024. I overpaid and they owe me 700 plus dollars. This company states that my refund check want go out until July 17, 2024 which is ridiculous. This company is garbage at best. I actually rate this company a 0.

Do not use this bank to lease a car. I had a 2020 Hyundai Elantra through them. I was late a few times and they came to take the car. I asked to pay all fees and get the car back, they said no. I have to pay the whole 19,000 to get my car back and all I owed was 800 bucks. They are a fraudulent company and I do not recommend to anyone.

If you know or want to know truthfully how good or what to expect from a financial institution that will truly help or care for you look somewhere other than here. This is probably one of the worst experiences I have ever had in my entire lifetime. Stay away from these people I beg of you.

I absolutely love this company. They helped me when no one else gave me a chance even when credit was good. I have seizures and epilepsy and I own a passenger car. Not many people care if I get to work. God BLESS EVERYONE AT SANTANDER!!! I wouldn't be able to make it without their compassion for the little guy!

From the beginning of the loan until the end customer service was a negative 10 in my opinion. You really need to watch this company! More than once I had to provide proof my check cleared before the due date, but they still did not remove all the late fees. I would message and message with blanket responses, or no responses. In the end I paid the fees and paid off my loan just to get away from this company. I will NEVER use this company again if I can help it.

If I could leave this review with Zero stars I would. Worst bank ever, period. I got scammed and provided specific evidence of being scammed and the fraud department told me I was liable for it. They also flagged a Social Security check that my wife was issued for fraud. We got the SSA to issue a declaration letter as proof and the fraud department Still didn’t accept it as legitimate proof. DO NOT WASTE YOUR TIME WITH THIS BANK!!! Is there a score worse than an F?!?

My name is : Akili **; THIS Santander company Immediately repossess my car. My bank paid "ALL" required payments from my account "in full" paycheck through my account. The money and actually took the from in front of the garage of my son's home and I'm very p** off about this. The car has been paid off since last year and nothing is being done about it. I need to get my name on that list. Upon calling this company they're very arrogant towards the people that use their services, in business, they are illegally repossessing people's cars unnecessarily cause mine is paid off and I need some compensation regarding this. I don't like talking to him because they're Eric, and they're undoubtedly liars. When I called up about my title to my title; I was told I still "OWED $850." Never heard of it. Please put my name on that list is Akili **. I want recommendation about what to do because I have paid that call from now. I am highly p** off.

Garbage financial company. Don't waste your time or money. They are even lower than a zero. They shouldn't even be in business. Crooks. All of them are Crooks. They will be exposed one day, it's just a matter of time.

I called to make payment arrangements where I have done in the past but this time 2 representatives were so rude. First kept ignoring what I was telling him. I said, "To should I call back and speak to someone else?" He said, "Do what you want." Very rude. I called back. The same thing. The representative was so rude. My car was stolen 2 times and they try stealing it a third time. I have 2019 Hyundai Elantra. Thank god I got it back but had to repair steering wheel column twice. 1200 dollars. Santander does not give a crap about the representative. Both were sooo rude. Did not like it at all.

Do NOT use Chrysler Capital. If you can finance your vehicle through ANYONE else, do it. I get companies got to make money but apparently Chrysler Capital does not give accommodations or work with customers at all if they have to miss even ONE payment, doesn't matter. I am not naive. I have dealt with a lot of companies and this is the ONLY company I have ever dealt with that has NO accommodations to help customers. I will NEVER do business with these people again.

Incorrect Interest Calculations - I have been trying now for four months to get a straight answer from Santander Bank on how they calculate interest. When I received my 1099-INT for 2023, the amount of interest was wrong. I can't find anyone at the bank who knows how to correctly calculate compound interest, and all I receive from them is a runaround. I have serious doubts that I will receive the correct amount of interest when my CD matures later this summer, since the interest I received in 2023 was much less than what I should have received when correctly applying the compound interest formula.

Horrible horrible experience, bought a car in 2017, a 2014 GMC Acadia, from Green Book GMC dealer in NJ. Financed it and started making payments of 730 dollars a month, on time missed payment in 2022 because Of a car accident that was found not to be my fault and is fully documented, and paid almost 30 thousand dollars for the car and I still owe 17 thousand dollars doesn't make any sense, because they want to be greedy and be loan sharks and take all interest payments before principle. Stay away from them, you will regret it. They put ** people in predatory loans and then repo the car later. I hope they get shut down. And they rather repo your car so they can mess your credit up instead of them letting you resume payments. I will never recommend anyone use their services. Anyone that works for this company doesn't have a soul and is a npc.

A joke of a company! I scheduled my car payment to come out a certain date but had issues with funds so requested to have my payment change to a week later. They agreed and said it would be taken care of and then the original date hits and my payment is taken out then instead of the rescheduled date which caused my bank to overdraft and no I have to pay fees that Santander isn't willing to pay for even though they messed up. So then my bank sent that payment back so I made the payment again so I wouldn’t be behind and now Santander is taking out 2 payments in one week and is making jump through so many hoops just to get a refund. In which case won’t be back into my account in 4-7 business days. The worst company I have ever dealt with and I definitely plan on taking my car back just so I don’t have to deal with this joke of a company ever again!

So I was reading all the reviews for this company. (One star) They have so many one stars this company needs to close. They do not care about review just want money. I bought a car in January and 3 weeks later I wanted to pay the car off. I called them so I could pay off the car. I was told that I had to mail in the payment and they can not take it over the phone. This company has online payments but will not let you pay off the car until mail in the pay off amount. So I sent the check and called a few weeks later and was told they could not find the check. So I stopped payment on it. They end up finding the check but by that time it was behind. Anyways I decided to pay the car a little at a time. I made $15,000 x 2 until only $7000 was left.

Santander is a terrible company, trust me and just let me tell you - never do business with this company!! They write bad loans and will crush you for their own profits and cause more damage than you can comprehend. Never do business with this "company".

I will NEVER purchase a car from Chrysler Capital. Not only does Chrysler not want to fix what's under warranty (radio issues) as to why I traded my 2021 Durango RX, they drag out sending you the GAAP insurance refund! All other financial companies have you go to the dealership to obtain your refund. However! Chrysler makes the dealership send the check to them, then they hold it for 45 days of "processing" then send you a check. I've received so many different answers on this topic from there customer service it's nuts! I have dates, times, agent names and ID numbers it makes no sense! NEVER AGAIN!! I will be writing a complaint to the state as well as the company, as this is not good business as a consumer!

Santander has always been reliable. I make sure to call and let them know my situations. And they are reliable and always willing to help me. I recommend Santander to anyone. 100% best finance company in the country.

Paid way too much for a lousy car.. Super high interest rate and monthly payment high too.. Treat you badly. Don't care about your situation. Took my car. Had to buy it back.. NEVER USE THEM! THEY WILL NOT HELP YOU.. ONLY TAKE YOUR CAR AS SOON AS YOU ARE LATE ON PAYMENTS!

I purchased a car in 2018 for 12,500. I was approved for a 72 month loan at 23% interest. To date I’ve paid almost 28,000 and according to them I still owe 4,500. There was a class action lawsuit against Santander for predatory lending during the time period I purchased my car and I live in a state that was involved in the suit. I contacted them and was told I didn’t meet the criteria due to an internal score. No additional information was given. They are scam artists that prey on low to moderate income earners with poor to fair credit. Beware.

Consistently Horrible service. Absolutely the worst. I would not recommend or use this Santander for anything. Never been late… Always on time and when I’ve needed to ask a question or needed assistance… Horrible service always.

This is the worse company in the world. High rates and they had a lawsuit n 2022 and now they sold their contracts to a law firm call Troy Capital and they are harassing me for a car I gave back 4 or 5 years ago because I paid for a warranty with my payments. They wouldn't honor it so how can I pay car payments, keep sending it to different shops and take care of my kids. And the car was only 11000 and I paid on it for 2 years and Troy capital has sold the car and say I still owe over 10,000. I need someone to make this make sense to me! And now the city of Newberry is letting them file judgement against me for a car I gave back and done paid another off and got a 2nd car. So it wasn't the payments clearly. I need help! And I would have gave no stars but I can't!!

They are more than willing to work with people in a difficult time. I have been delinquent several times on my account, and as long as I pay something or, at minimum, have a plan. They have worked with me every time, even being three months behind once. At the time, I am waiting to start a job after graduation, and my employment has been delayed. They are willing to accommodate me as long as I provide proof of this. I would request to finance a car with them again! I have not experienced anyone having an attitude or being rude to me. They have better customer service than my medical provider's offices.

When we bought our car in Texas, Santander was the only financing option available to us and never really had any problems. We moved to NY in 2022, our car's registration was coming up due for renewal in September of 2023 so we went to the NY dmv website, they listed out what we needed. We contacted santander and was told by the agent they put a request in with texas for a copy of the title to be sent to Santander and they would send it certified to us. 8 weeks later, we called again and said that the request had been sent and was waiting for the title from Texas and that they didnt have an eta on it. Fast forward to today, April 2024, still haven't received title so I call Santander. This agent, after I explained the situation, said that's not how it works and to contact the ny dmv to request a title form. So I have waited almost a year after being lied to multiple times by their customer service agents.

I switched my car loan to Santander Consumer USA. What a nightmare it has been. They took two payments from my account, one of which I did not authorize. I was told to fax a copy of my bank statement showing the duplicate payment and that I would be refunded. They confirmed they received the fax and that it would take 5 days for a refund. It's been 10 days, and now they are saying that they did not receive my fax. The only way to communicate is to send a fax. The accounting department does not have an email or telephone number to call. This is the worst customer service. I am so sorry I switched over to them. I will be looking for another bank to deal with.

We have been trying for months to get something from them proving they know about my wife’s name change so we can get our jeep registered. Every time we call it’s something different. First they was going to mail something to the bmv. We wait a week or so and call back, then they say they will mail it to us… We wait another week or two and call again. Now they say they can’t mail anything at all, so we have to get a fax number for the bmv so they can fax it. Never use this company! They are criminal, and incompetent. This is not the first major issue I’ve had with Santander.. Never again will I use this company.

After making 2 year of payments noticed my principal never went down on my high interest loan. Then I had a change of employment due to Biden shutting down production. Reduced hrs and pay. So I asked for help and their idea of help is delaying my payments at a 10 dollar a day until I am able to pay payments. This should be illegal.

Terrible customer service. No one wants to Help. Billed me twice and they are blaming me for the billing issue and now have my bank account suspended on my account when my bank wouldn’t let them take two of the payments. Ridiculous. Talked to multiple reps to fix problem and no one would fix the issue. Instead the “supervisor” actually hung up on me- so professional. What a joke.

IF I COULD GIVE -5 STARS I WOULD! I am utterly disappointed with this loan company's service. It's been a nightmare dealing with them. Despite giving them ample notice and repeatedly following up, they still couldn't manage to send me my loan agreement after 1.5 weeks. I needed it urgently for my taxes, but their incompetence has left me stranded. I've spoken to 6 different advisors and 3 supervisors, but none of them could resolve the issue. It's absurd that they can't even handle sending a simple document via email or fax. Save yourself the headache and avoid this company at all costs.

I will never lease another vehicle with Chrysler Capital. I would rather walk or ride a bike. The lack of customer service and accountability is inexcusable. I would not recommend this company to anyone.

Had a HSBC auto loan prior to 2012. I filed chapter 7 bankruptcy in 2012 and this debt was discharged. HSBC sold the debt to collection company after collection company after collection company. Each one has been told this debt was discharged in 2012 but yet they sell to another collection company to attempt to collect. Received a call today from a mediation company, threatening to drain my bank accounts, garnish wages, will harass family members, as well as court order to pay. I told them the same as the others. They said they didn't care about the others. That they will get their money. Yes I used an attorney for the bankruptcy and they just tell me to "not worry, it's just a scam". When these people have my social security number, yes I do worry. So don't think just because it's been 12 years they will still attempt to collect.

On March 3, 2024 I put in a payoff amount in my bank ($16,200) - which has electronic payments set up for Santander. However, they sent a draft check instead on the 5th of March because they said Santander won't take that amount. I kept checking and no posting - so I went ahead and made my March payment. I called them multiple times but they said they didn't have the check. I verified with Truist the address they sent it to - got the check number and exact amount. I was told my Santander that was correct but they didn't have it. On March 19, I called again - around 3pm Central time. I was told again they did not have the check. I asked the Santander customer service rep if I should just put a stop payment on it - and send in 3 or 4 smaller electronic payments - and if I did how would that be handled. He said the check would be sent back to my bank - and I wouldn't be charged anything.

First time and last time customer. The car was totaled. I was haggling with the insurance company for a value that I believed my car was worth when Santander issued a letter of guarantee of what they would take for the car so the insurance company wouldn't pay a penny more. I did some research and found out that Santander should have never done that as it violated my rights to negotiate with the insurance company. I filed a complaint with the finance company, they issued me a claim number and was supposed to have somebody call me but never did. They only ever called for payments. The balance due is $500 but I still refuse to pay it.

WARNING Santander is not consumer friendly. I have been reaching out to them to contact me since September 2023. No response. I called to be on hold... I hang up after an hour. I have also emailed the "estate department" I was given address 8/23. No response. Santander took and continues to take advantage of my elderly mother. Don't do it....find another resource.... Santander does not value it's customers.... and Yes my payments are on time. Shame on you Santander.

I purchased a vehicle. Little did I know that, the loan company use was Santander Financial. I never researched them before agreeing to the loan. First-fall the interest was about 12% despite great credit score. Anyway I don't to say too much than to tell future customer to do away with this company. Their customer services is the worst I have ever seen. This is my first negative reviews in 15 years, as a matter of fact, I have never given a negative feedback in my whole life. This was really frustrating. Speaking with 5 customers care, all provided a different address to pay off in two weeks of the loan acquisition because, I don't feel good about the company. I never knew they have a terrible reviews prior to attempting to close the loan by paying off as early as two weeks.

Ray Skillman New Whiteland 1098 US 31 New Whiteland, IN 46184 Who put us with Santander Consumer, USA. RUN AWAY! My Marine Veteran son walked in to this establishment and they had him call me to help as a cosigner. My son recently had wrecked his car and was renting cars which was costing a lot of money. My son's credit had tanked in a little over a year's time due to mistakes he made which he was trying to clear up. Everyone told me NOT to cosign but, I did. I felt if he was paying almost $2,000 he could benefit by getting his own car. I gave my credentials. Pretty sure I couldn't qualify because I had made the least amount of money I ever had within 8 yrs. I expressed to Ray Skillman that we could NOT afford to make an extra payment! I also told them we were in the middle of a home loan. I was told the vehicle my son wanted had too many miles on it and none of their lenders would finance him. I was relieved.

Did you really need to know my whole life story about why I needed to get caught up? It's not like I was 6 months behind. I just couldn't make this months payment. Your agent idk after the 5th person I spoke to was trying to be a therapist. Makes me want to trade my car in so I never have to deal with this company ever! I've never missed a payment. Just made me feel some type of way.

Santander/Santander Consumer USA, Chrysler Capital AND Lending Club are all 1 and the same business. Santander refuses to correct my car tittle after "they" made the mistake on it, causing me not to be able to register my car. The DMV is asking for their permission to correct and they refuse to produce the paperwork being requested. Santander has asked me to pay the car in full or they won't correct the tittle. Now my license is suspended and I have to pay "hundreds" if not almost over a thousand dollars in fees. This is unfair. I'm not being treated as a customer, they are unwilling to help, and this mistake was theirs.

I have no late payments but was told because I made payments early cause interest to be added!! What! Daily interest can make you owe more than expected, cost me 756.00 and not one late payment just early.

Worst company I have ever had the displeasure of trying to deal with. I have been calling for over a month to get my refund of warranty, they admit they have it (after 6weeks) but don't really know when I will receive it! $896.50.. imagine ALL THE CUSTOMERS they do that to.. makes them a lot of money in the form of interest while they SIT on it.. STEER CLEAR, WORST EXPERIENCE I HAVE EVER BEEN PUT THRU!!!!

I purchased a vehicle in August 2023 and made my payments, then at the end of January my father (700) miles away was diagnosed with stage 4 Lymphoma cancer I had to go there. I surrendered my vehicle on Friday feb 1st and as of Thursday, March 1st they still haven't picked up vehicle. They closed the account with the company picking up the vehicle 8 days ago and made no attempt to pick vehicle up. Dirty business and playing games. Do not trust this group of foreigners.

I'd give them zero stars if I could. My husband passed away and I called to pay off the loan. They did everything in their power to prevent me from paying off the loan - sending a letter that they wanted to repossess the vehicle (he owed $4,500 on a van worth $17,000). Every time I called for the payoff balance, I was on hold for at least 45 minutes, and the customer service representatives refused to give it to me (even though I provided documentation that I was the executor of his estate). I finally made an educated guess on the amount and sent in a check, making sure to overestimate. I eventually did receive the title. Now, as for my refund for the overpayment, I'm certain I'll never see it. My husband purchased 12 new Chrysler vehicles over the past 20 years. While I've been happy with our vehicles, I will NEVER use Chrysler Capital for financing!

My auto loan is still pretty new so when a family medical emergency caused me to miss a payment I really didn't expect much from them. I called to see if there were any options to keep from having a late payment. I was told in my first call that they couldn't defer the payment because of how new my account was but they could remove the late fees for me. I would need to call back when I was ready to pay and they would do it then. The rep I spoke with made it sound as though this was a pretty standard process on their part, and had my loan been older they could have done more.

My vehicle dealership shopped a loan and I signed paperwork for Santander lending. Little did I know that 3 weeks after taking possession of my new vehicle, I would receive a letter from Santander that they had reviewed and were unable to extend credit. No reason provided. I called customer service and while each agent was sorry for the experience, no one could shed light on the impetus for their letter. My first payment was due in a week and yet, according to Santander, I did not have a loan. After many calls in two days I was able to speak to an 'Executive representative'.

I have been a customer of Santander Consumer USA twice now for vehicle financing in the past 20 years. This is the first time that I have ever had a vehicle that was totaled in an accident. Since the accident on 11/10/2023, dealing with Santander regarding this issue has caused a lot of undue stress and aggravation. We have been given misinformation as well as the run around multiple times in regard to the whole process of how and what to due about the complete loss of our vehicle that we only just purchased 4 months prior in 07/2023. First we were told we had to continue making our regular payments until they received the full settlement on the account (so we are supposed to continue paying for a vehicle we no longer have and can be verified with Motor Vehicle?) and that they would file the GAP coverage claim.

I purchased a 2013 Nissan Altima in 2017. The cost of the car was $16, 251. The APR was 27.67%. The finance charge was $17,596.92. The total cost for this 2013 Nissan Altima was $33,883.09. I paid on this car for 5 years, with payments totaling $20,538.00 at $470.00 a month and only $518.00 went to the principal. It’s been a struggle to pay this car off. Once I learned about the Predatory Lending lawsuit in 2022. I contacted Santander because I believed I was a victim of their scandal. They told me I didn’t qualify, but never explained why. When all the facts are relevant.

Do not sign a loan with this company. They failed to send any loan repayment information. Forced to call and tell them to send the loan information, they charged a late fee for the first month, waived that late fee then continued to charge late fees for the first month’s payment for the next nine months. Several phone calls were made to stop the late fees. Their incompetent “customer service” simply refused. Forced to move the first month’s payment to the end of my loan, they collected five years interest on that payment and they collected nine false late fees on that month’s payment. Every subsequent month’s payment for five years was made on time.

Their customer service representatives need retrained on how to speak to customers. So far every representative has spoken to me with a tone. I have been making payments and got behind because my son passed away, and so far I have gotten spoken down to and belittled, by every representative.

First, when they bought my loan from a different bank, the tried to not give me credit for the payments that I had made in advance. Then at my last payment, they canceled my auto pay. After canceling my auto pay, they waited a month before contacting me when they turned my account over to collections. This caused me to lose 100 points on my credit score. They refused to remove the late payment from their side even after I contacted them made the last payment and they said they would because they were the ones that canceled the auto pay.

I have car loan thru these **, and I'm current on all my payments, and called to the payoff on my vehicle, and it was more than what my payments added up to, I have never had a bank that would give you a payoff higher than what you owe. These people are loan sharks, ABSOLUTELY DO NOT GET A LOAN FROM THEM, DO NOT, DO NOT...

Please avoid them if you can. I unfortunately had a car repossessed and dealing with them was a nightmare. I called several times to get the correct amount and payment method. I was able to obtain the money and made a payment online using one of the acceptable methods of payment and the agent said they would send release paperwork. After 3 hours with no response from the repo or recovery company I made some calls, no paperwork.

Do not, I repeat, Do not get them!!! They are liars and they talk to you like you are trash. I have them now, they told me I am 3 payments behind and I am current. They come out of my account automatically. I told them I have bank statements to prove it. They told me to fax them and it is expensive in my town, it’s a college town. I stated I could not do that but I would email them. Then said no!!!! Who still faxes like this is 2024. It truly shows that even though you have a college degree you can still be a moron. I asked them if I did fax them and would I be reimbursed for the money, they told me no and I told them I’m not paying for it à la pocket for a mistake that is yours. I stated I could email them that was not an issue, and they refused, do not get these people essay lender. I’m telling you you will be sorry.

So you can read through the reviews yourself. And wish I would’ve done so before having them take my auto loan. I tried for a month to get into contact with them. Went through a hard time and haven’t had my phone or phone number that they said they tried to reach me at. I sent messages through my account and sent emails letting them know I needed to discuss my account. I sent several messages where I was prompted that a representative will reach back out shortly. However that never happened.

This agency has done nothing but lie to me when they took my loan over in September. I asked them all about their policies and Everything. I was told that they do not have a grace for help and that there wouldn't be an issue if I ran into problems. Then when I finally run into a $2300 car repair that I gotta do I get told they have an 8 month waiting. And that there is no guarantee with help. And they don't even have my call recorded on that conversation. So I had no proof that I was ever told that before. They took my loan over and I'm now being deemed a liar by this company.

I have struggled with employment this past year. I have been late every month on my car payments up to as much as 120 days late at times. I'm currently 60 days late. Santander is working with me and allowing me to catch up on my payments. The important thing to remember when dealing with any lender is to take their phone calls and explain your situation so that they can work with you.

This bank applies your payment only to interest, and not principal. I make my payments in 2 parts since I have financial problems and all my payments has been INTEREST ONLY. They are the worse and THIEVES!!

Customer service, TRASH! Care for customer AWFUL!! I was double charged and was told I would be partially refunded the day came and no refund, then was told nope we don’t do that. So at Christmas time after open heart surgery I’m now out almost $400 and disputing with my bank. What an AWFUL company!

They are the worst lien holder ever, if you are with them refinance your vehicle pls, I had accident with my car and my insurance gave them a check on my behalf to pay repair shop they never did, they put the money on capital. I had to pay out of pocket to fixed the car and they have worst customer service ever… They take forever to send documents or payoff letter and my insurance pay off my vehicle over 2 months now they don’t close my account or report to credit department to closed after pay off and it keep showing on my credit report that I they financing. I don’t know what their customer services representative doing, different representative every day with different info… They are useless.

I have NEVER in my life dealt with a bank that have more control over your bank than you. I have asked this bank to not make any payments for me and they told me it is at their discretion to make any payments they feel like. It was also told to me that they do not have an option to set up overdraft protection the prior times I contacted them. Today December 2, 2023 they made another payment and charged me a $15 insufficient fund fee. I contacted them again and was told that they can make payments on my behalf without my consent and that anything $100 or more will be charged a $15 fee. I asked the rep how I can opt out of this because I should not be responsible for a $15 fee when they made the decision to make a payment without my consent. The male rep told me that it is $30 charge to do something but at that moment I hung up.

They are The worst ever to go with. They overcharge you. They say now fourteen hundred back when I only owe 700 hundred. I will never ever go with them again and I report them to the Better Business Bureau.

I bought a 2016 Chevy Malibu from a dealership. I kept up with my payments and the maintenance. I put $4000.00 down on the car and was told the total price was $19,000, after paying the $4,000 down payment I owed a balance of $15,000 total. I always paid my payments. I had literally two late payments the whole loan and I had switched over insurance companies and they had the date of the start of the policy wrong so it appeared I had a lapse in coverage but I didn’t, it was a paperwork issue and I had insurance the whole time. I called Santander several times to get it changed over and I kept getting transferred, after they said it was all good, mind you I was never behind on payments I woke up one morning to no car.

They are breaking both finance and Washington State DMV laws by not providing a release of lien to me. I purchased a car financed by Santander Consumer USA. The loan was paid off over 1 year ago. However the title still listed them as the lien holder. To issue a new title, their name has to be removed. Myself and the previous owner had over 3 hours of conversations time with customer support to get a release of lien sent to me. They refuse. Their people from the initial call to managers on duty are incompetent. They think this a title issue. It is a internal issue. The payoff letter had already been written and sent. It got misplaced by previous owner. To get a copy is next to impossible, because of corporate policies. What would happen if for some reason the previous owner was unreachable? Their policies, procedures and staff have no idea how to solve this case. Most do not even know what a release of lien is let alone how to solve the issues!

I was recently injured at work. I called Santander to ask for a systems. They said that they would be able to help. When I called back they told me, "Sorry we are not going to help you," and the lady was extremely rude.

I'm reading all of these reviews here and I just wanted to share my experience. I got an Acura RDX with them from the Acura dealer, this was back on September 2020. I put a few thousand $ as downpayment so they ended financing $14k, at the beginning I regularly made payments of more than the monthly amount (probably a $100 more or whatever I could), only a couple of times I doubled the monthly amount, that was for the 1st year of the loan. I've had to call them a few times to update my address multiple times, since I've moved to 3 different locations ever since, one of them being to another state, customer service got my back sending me a copy of the title because it was requested by the Florida DMV, I couldn't understand at the time because NYS doesn't require this.