Santander Consumer USA Reviews

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.

I have had a car loan with them close to a year and my loan amount is not going down. I hate this company, the interest rate is high and the way it’s going I will never get finished paying for this car. I will be refinancing with someone else. Stay away from this company by all means necessary.

My daughter passed away. Santander repossessed her car. My personal belongings were in car and I am too old to be jumping through hoops just to get my disability placard and garage opener. Even paper submitted. They want more. Nobody wants car. Just my personal belongings. Do do business with them.

They are practicing unfair practices! I have a car loan with them and unfortunately a 18 totalled my truck leaving me injured without transportation. The insurance company paid them 12,000 towards my loan and it left a balance. Why they won't wait till my case settles before expecting payments. Won't let me defer payments until later without them crapping up my credit!! Just so over them. Can't wait to get them out my pocket and off my credit!!!

You know how we are struggling in life and trying to make payments to our vehicles and we call to see if we get an extension and you guys deny us because we don’t have a strong payment history. I think that is stupidest thing you guys are saying. Why do you think we are calling to get help? To help us get back into Our regular schedule payments not to be laid on them, but I guess they don’t care on the customer like they say they do. They rather screw the customer over instead of helping them out. Don’t go with Santander Consumer USA as a auto loan, they do is screw you over.

I am not understanding I was not offered any relief under the class action against Santander Consumer USA, due to their ”upsidedown” high interest loans, high monthly premiums on a mere 2018 Ford Fusion, while applying with Santander Consumer on June 2020. The government is allowing an already sinister company decide who and what loans should be forgiven or cancelled so I’m sure that this company is not going out of their way to adhere to to helping me, as I have been deviously “bilked“ on a high interest loan with a very low income to debt ratio as far as I’m concerned!

DO NOT BANK HERE. They do not help customers in any way. They do not give valid reasons as to why a LEGITIMATE fraud claim with police report documentation gets declined multiple times. Customer service is a joke. No one knew what they were talking about and they were poorly trained and unhelpful. I lost $2500 after being a loyal customer for 15 years. I am closing all of my accounts here.

Very rude customer service that don't care about their clients. They make it nearly impossible to to speak to an agent and when you do they are no help AT ALL. Not a trustworthy company and I would never recommend to anyone!

I purchased my car with Santander Consumer USA in 2018 for $31,000 with a interest rate 18% with payments at $721 on a 72 month loan. As of today October 10, 2023 they are telling me I still owe them $27,000 which means over 5 year. I’ve only paid $4,000.00 in payments and it will be paid off next year 2024. How is it I still owe $27,000 five years later? It’s up for repossession and they still have not came to pick it up. They’re asking me to make a payment and it’s up for repossession. This is crazy. Yes I have some late payment and an extension but $27,000 still owe to this date. That’s mean if I keep it I will be have paid $53,000 for a 2013 Range Rover. That’s insane.

My vehicle was totaled and Santander has been dragging their feet with sending over the proper documents to my insurance company. I called today to find out what the holdup is and I got the rudest person on the phone. I was nothing but respectful but the lady I was on the phone with seemed to not care about anything.

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

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

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

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

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

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

I made a mistake on my car payment, the initial payment was returned and 2 days later I did submitted payment again, which went through and deducted from my bank. Today 3 days later, they resubmitted the payment and got charge twice for the same month. I called these IMBECILES to help me out and to please stop the second charge and their customer service rep was completely rude and unable to do anything, according to them it was not possible to stop a double payment, with all the technology on their hands! I got nothing but rudeness from this moron who wouldn't even gave me an alternative, zero help or customer empathy. Don't use Santander bank, don't, thieves...

Car was refinanced and we are owed a refund for the car warranty, was told 6 weeks, then told it was mailed on the first of August, waited 2 weeks to see where my check was. Said it takes 45 days. Not one person has a clue and will just lie to get you off the phone! My next step is file a complaint with division of banking and insurance. You may call me at **. Thomas **

In order to help others. Please be advise that since I got a car loan with that company They charged me different amount and made so many mistakes giving me my payoff. They even record all my conversations and admitted that was their fault. I even recorded our calls. But they charged for everyday because it's what the contract signed states for me, but for them they just gave me a sorry and ** excuse and didn't respect the contract. This company is disrespectful and do not honor the word and the contract. I would like to share how abusive is Santander Consumer USA. Worst experience possible ever. Please be careful.

Called my work to tell me my car payment was caught up. Did not call my personal number. Do your research before picking the phone up and calling someone’s place of employment. Talk about crappy service.

Don't go through them. You pay high interest rates and barely nothing goes to paying off the car. I’ve have them for months paying 720 a month and literally only 400 has went to paying off the car. I had an accident that I wasn't in the wrong and lost my car and still have to pay them off and they didn't even offered GAP so for the meantime time I'm carless. Put all this money into a car to now have nothing.

I financed a car with Santander Consumer USA. I sold my car and it was paid off June 7th. Santander still has it reporting on my credit. That I still have the car and I'm still making payments. They have not updated the credit Bureau since May. I have called Santander Consumer USA several times to get this corrected on my credit. Cause it looks like I have 3 cars instead of 2. I'm trying to make business moves. And they have not done it yet. Do not buy a car from Santander Consumer USA, they will never take it off your credit. Also my payment was extremely high for a Kia. $799 for a damn Kia.

Bought a brand new car from them through Kia, we have had the car since May, they've upped the monthly payment just 3 weeks in & now just before we are supposed to send in our first payment they, "Sorry we made a mistake & you weren't supposed to get the loan???" What the heck??? We have been driving it for just about 8 weeks!!! Calling a lawyer.

Although I appreciate Santander for financing my 2nd car, they still have bad policies or rules. I authorized one payment for my current car and Santander took out the balance owed even after I made arrangements to pay the remainder. I was left with $0 in my bank acct then the next day I was negative $600. They are willing to refund half of what was taken out but 5 days later. What am I going to do meanwhile. I live paycheck to paycheck. I’m out $1000 + until 1 week later! I’m super sad Santander can be so inconsiderate and have glitches like this happening on their end.

They bought my loan from another lender. They didn't bother to get my title from the original lender, not even when I paid off my loan. They didn't bother to ask for it, only noted that the title was 'released' but not sent. They didn't bother to tell me that either. Months later, their customer service is annoyed with me because I'm unhappy. Don't bother. Choose any other lender.

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

I had a vehicle financed through this co. Unfortunately, it was considered a total loss after an accident. When my insurance company issued their payment, Santander posted a lower amount to my account. I called to ask about it and the first time, the woman told me she was looking at a copy of the check and the amount posted was correct.

Their bookkeeping practices, customer service and business practices are all subpar. My car was totaled, my insurance company paid in full and they kept the $800 payment I had made in the interim for my BMW. They refused to refund it and became belligerent (this was the supervisor and I use that term loosely) in their conversations with me. Extremely stressful and chaotic experience. Definitely DO NOT recommend as they are literally stealing from their customers.

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

I have never heard of this company prior to receiving an 3 emails from them. All 3 emails basically stated that I needed to get ahold of them to “resolve an issue”!!! I don't have an issue, as I never had anything to do with them!!! I’m not pulling up anything or looking into it, as I’m not going to get hacked. I think it’s pretty low, how companies will go to try and get into a person’s account.

Absolutely worst finance company ever! I got behind on my payments due to giving birth to my son and being a single mom. I had an agreement with them to pay 110 a week that I've been paying for months now. Then they say I need full amount of 19,000 or my car was being repossessed. Needless to say, they repossessed my car just because they decided they didn't want to fulfill an agreement they made. I will never recommend anyone to use this company EVER!!!!

They are straight robbery. Santander Consumer USA sucks and I would never do business with them again. Paying for a car that was well overpaid for so they came and took it. I rather save my money and buy outright. Never again will I give bank the privilege to get over on me again.

I have had a very bad experience with this Company! My car payment is constantly been messed up on the amt owed. The amount due seems to change each month to a higher amount. I have requested an Itemized print out of my account, verbally as well as written and to date I have never received any response to my request as to the car payments made thus far and to how the payments have been posted to my account so that I may see how or why the pay payment amount changes, ex: as if either not paid or paid late, which payments have not been either to this company!

I had an agreement for a specific extension of my loan. I saw the new bill amount a couple of days ago, they had fixed the amount due to the new terms. They even sent me paperwork to sign to extend my loan date to one month over. Now I go on the website yesterday and today and they decided to do another charge almost equal to one month. This is not okay. I had reassurance through paperwork and of agents. Now they are seeking more money. Impossible.

Back in January I was looking for a new car due to my old one giving me car issues. I have low credit considering I barely started my credit. But the dealership was able to get me approved by Santander. If only I would have known. This company is horrible and is just money hungry! Earlier this month of April I made my car payment. For some reason I was charged double that is $990 so I called and asked why was I double charged and they pretty much said they couldn’t help me with the payment because it was pending. So they told me to call my bank and dispute one of the payments which I did. My bank disputed a payment of $495 and Santander kept the other $495.. Cool so I thought I had already paid my car payment for the month of April..

Santander Consumer is one of the worst companies you can finance with, I purchase a vehicle in 2019 and I paid off my loan in 2023 now for them to send me my car title or a release of lien is a problem. Every time I call the company it’s always excuse, it’s been two months. It’s just becoming so stressful and frustrating. I’m trying to sell my car. I can’t even do that because of no title. If anyone knows what I can do please help, if hiring a lawyer is the case then I’m willing to do so.

What kind of a finance company is so concerned when I can pay my next payment I make 14.25 an hour and paying for an over 500 car payment so at this point you will get the payment when I can get it to you. This is not a great finance company and they don’t help you in anyway when times are tough they just want the money when they want it and don’t understand what someone is going through and don’t have any respect for their customers.

I have been using Santander's online bill pay system since it began, having been assured that it was the safest way to pay my bills. It seems that when one of your bills gets paid to a company w/o an electronic funds transfer account, Santander arranges to have a paper check sent to your biller on your behalf. About 8 mos ago I was advised that my hoa never received my monthly payment for September 2022. This biller was sent a paper check from Santander every month. Upon investigation it was revealed that the check sent on my behalf for my September payment of $550 had been intercepted and fraudulently cashed. I have been fighting to have that $550 returned to my account ever since, as this fraudulent act was in no way my responsibility. I have gotten nowhere

I arrived at the bank at 4:50pm to open an account and the bank teller informed me I could not open a new account because they close at 5pm. That was very counterproductive and it was a waste of my time. Now I have to open up an account somewhere else. He was too rude for me.

I have had a terrible experience with this company since I have had my car. They don't care if you Dead. It's all about the mighty $$$. I was in an 18 wheeler accident and I gotten threatened with a Repo today.

I spoke to the executive office. They justify the representative action. The representative call me multiple times. It comes time to repo the vehicle they don't call. They used the excuse, "We don't have to call customers." I wouldn't send my worse enemy to them. I would tell people DO NOT USE Santander Consumer USA.

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

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

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

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

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

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

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

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

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

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

I have been in an accident 11/15/2022 and this company wants to take my car with a lawyer being involved in my case. I have been threatened by this company and I am turning them in to my lawyer. Thank

We leased our 2020 Jeep Cherokee Nov. 2019. Our lease is approaching the final month and we decided to exercise the lease buy out option. Dec. 9 2022 we requested the buy out balance and took it to our personal bank for the exceptional rate they were offering us. We were financing an amount less what the payoff was going to be so we called to ask how to handle the proceeds because the bank was sending x amount and we would be sending the remainder ourselves. The representative we spoke with said it would be easy. "We will just use your debit card x amount (well over two thousands dollars). Call back in the next day for the payoff amount reflecting the new balance, we will issue a new payoff statement so your bank can overnight the balance."

Thieves! Immoral business practices. I am making monthly loan payments on time ( never missed a payment) and every once in a while they withdraw additional $500 payment from my bank account. My scheduled payments always show up in my account on the website but those $500 only shows after they take it. They claim that it is normal for scheduled payments to not be shown on the website. How is that legal? In order to get a refund I have to fax them my bank statement although they can see that additional payment was withdrawn on my account.

On November 28th/2022, my car was repossessed without notice, I am a disabled veteran and haven't been able to work since March/2022, I updated Santander about my issues and was informed that if I made two payments in June, it would put my account in a current status, which was a lie, including the two June payments, I was on time from June till October, nothing shows paid on my credit report, which made it impossible to get refinancing, they said a letter demanding the car be returned was mailed in September, I never received it, and they still accepted payments in September and October, I requested a copy of the letter, but I know it doesn't exist.

I paid them off 15000.00 and told them I was stuck in Texas I'm from Arizona and I was out there to say my goodbyes to my mom that died from cancer and I still can't get my title to my truck so they can go stuff their ugly lying and game playing company. I did the business, paid them off with 5 months and was treated that way...They're a no good company that hires people like that pieces of dog

I purchased an automobile and financed a portion of it through Santander. I was placed in the hospital due to mental health issues for several months and was unable to receive contact. Now that I am able to bring my loan current after being on disability with limited pay, they have repossessed my vehicle. I told them my situation and was basically told they don't care. They won't accept my payment and told me I have to pay the loan in full. So now they have significantly added to the depression and anxiety that put me in the hospital in the first place. And now have no vehicle to be able to pay off the loan. Really makes a lot of sense.

I had my car for over a year and ended up getting behind due to medical issues. They took my car which was fine because I was behind, I called and told them I had $1600 to pay towards the balance and was told NO and to come up with $2700 to pay the balance which included all the fees and had 10 days to do so. I called on the 8th day and said I have it, only for them to tell me, "NO we no longer want that amount, we want the full payoff balance." I brought it to the person's attention that that was not the agreement, she says, "I see it here in the notes that we told you $2700 but now we want the payoff amount." Now I can't get another car until they close the loan and put it as a repo.

The customer service number doesn’t connects you to the correct team 90% of the time. The call will just get disconnected. I requested for a electronic release of my title multiple times in the past 2 weeks and still haven’t got it done. Initially they didn’t accept that something was pending at their end even. Worst team to deal with!!!!

I called Santander (Chrysler Capital) on Nov 01st to get a payoff letter and front/back copy of a. title. Rep was helpful and sent letter immediately and said copy of title would be sent via U.S. Mail and emailed within 72hours. It's Nov 10th and still no copy sent via email. Have made about 4 phone calls and have received zero help. I was transferred to a department where the hold time was approximately 50 plus minutes with 9 callers ahead of me. Had to hang up because lunch break is over. Very dissatisfied with Chrysler.

Do not deposit any money at this bank. Second day availability is Promised but then they turn around and hold your money for another 7 days and I don't even know what's going to happen then this bank is horrible. Absolutely horrible. This was certified funds. There was no reason for that. No reason whatsoever. Run from this Bank. Do not put any money in this Bank. You may not ever see it again

Quite possibly the absolutely most worthless bank I have ever had to deal with. From their customer service personnel, all the way up to management, this bank ONLY serves itself- never its customers. In the 5 years I have had to do business with them, Santander has -time and again- proven that their customers are not the driving force behind their business. The terms of their loans are 'adjustable'; they will adjust terms to fit their predatory business model. I will NEVER do business again with this fraudulent institution.

This company is nonprofessional, terrible customer service.. They say one thing and do another. Don't get COVID and fell behind in your payments. They lie and will not help, no extension, nothing. Next time I will research a company better before doing business with them.. Re-Finance here I come.

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

I was one of the 100's of people who lost their job with a well known company. I fell behind on my auto loan and had been in contact with Santander explaining the situation. I finally found a new job, called them and told them when I would be able to make the next payment. Three days later they repossessed my vehicle. I called to find out my options to get my vehicle back and I have NONE! They will not allow me to get caught up on my payments, I am expected to pay the FULL remaining balance. This has been a very tough few months and this is truly just the icing on the cake. This is the WORST lender and after reading all of these reviews I wish I had known sooner.

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

So I never receive a paper statement for my line of credit, and I can't retrieve it online. When I called, the rep told me there's some law that do not allow statements to be mail. Then now all of a sudden they jacked up my interest rate.

I recently turned in a Jeep leased through Chrysler Capital. In the few months preceding the lease end, my online account portal had inaccurate information, and deleted my auto-pay information with no explanation. It had not accurately tracked payments that were made (verified on my bank account) and as a result, I ended up double paying one month's payment.

This company is a bunch of crooks. 1) I have had on at least three occasions, where they try to charge me more than what I owe. I had to break it down what I paid/when/etc & literally fight to have them correct my balance & every time I was correct. 2) I fell behind & lost my car briefly. They said I owed $X past due, $XX in fees, & $415 in repo fees. I took out a loan to pay them immediately. This brought my bill up to date. Suddenly they are trying to charge me $415 again!!

My car was paid off roughly 2 months ago. I still had auto pay on through my bank on this account, I forgot about the auto payment until they tried to take a payment. The first one didn't go through thankfully, and I quickly cancelled auto payments through my bank. Shortly after, another attempt was made, this time the payment went through. You would think that there would be someone who would notice that there is no longer a balance on that account, and the payment would be stopped or returned right away. No. I had to call and wait on hold 4 different times, each time I was given a different answer. The payment won't go through and process, then it was the payment can't be reversed until the bank releases the funds, then it was the funds should already have been returned to the account.

$550M paid in 2021 by them! Repo once during pandemic. Paid to get it back. Repossessed again on day of payment. Instead of being caught up, they didn't include 2 payments in the reinstatement. Steer clear.

BEWARE OF Chrysler Finance owned by Santander Bank. They tried to illegally charge me for property taxes owed long after I traded the vehicle. I reported it to the MA Attorney General's office who got it resolved. Two months later, Chrysler Finance/Santander decided to put remarks on my credit report that cost me 120 points off my credit score.

I hate this company with a passion. I have experienced almost all of the problems/issues that other reviewers have stated. Horrible customer service, website is awful, and they are the one company that for some reason suddenly started rejecting (with no explanation) my online bill pay from TWO different bank accounts that I have. Probably to charge me late fees. I have decided to pay off my mortgage 7 years early just to NOT have to deal with this company anymore. STAY AWAY from them!

Too high APR and High Payments to unprofessional employees. I don't know where to begin with Santander Consumer. They are a joke. I fell behind on my payments due to having Covid and I ended up falling behind on all my bills and rent. I told them that and they basically said that it's not their problem. They don't have any grace periods and no payment plans or anything to help people when they need it. I have been making payments to them every other week so I can catch up. They told me those don't count as payments and my balance is the same. So they said they sent a letter out to me which I never got in the mail saying I need to have all of the payments by a certain date otherwise my car will be repoed. The customer service is bad. Every employee tells me different information. They make you feel like you did something bad. They are a greedy crooked company and they just want money and don't care about anyone.

They are the worst! I would not recommend them to anyone. During the pandemic I reached out to them with my concerns and asked for assistance - they claimed they didn't have any and didn't assist me with my auto loan. I asked for an extension etc - nothing was done. Every month I was sending them what I could either a full payment or partial and they reported me as late or missed payments. I called and spoke to several different reps who advised they can't take off the late payments because it's automatically generated by the computer and that nothing could be done. My credit has been affected solely by this company. Every month I sent them what I could and they never worked with me. I can't wait to pay them off and be done with them for good.

The interest rate is sky high. During Covid had a hard time they made me feel super guilty and bad for being in my position. You can never get ahead with this company. They took my car which is my means to get to work. But honestly I feel relieved. Only promise my credit is going to be shot. They h do lagged my account before the 30 day update. I HATE THIS COMPANY!

I got an auto loan from them and when I left the dealership it was one monthly rate, however before my first payment it was doubled. Upon contacting them and through their alleged investigation they found the contract to be right. I was sent a copy of the contract they had and it was a barely legible piece of work. So many issues with this company. DO NOT accept any monies of any sort from them. They are a fraud!!!

OMG.... Santander used a debit card company name North Lane to issue a refund to us and this company stole the money. North Lane issued us a debit card that only they set up and used the funds in a whole other state from me. I spoke with Kelly at Santander and it's looking to me like Santander is using this company North Lane as a way to keep the money from ever reaching the client. I have done research only to find that North Lane has been stealing money by way of debit cards from a lot of people. I strongly feel that Santander is behind this North Lane company because they don't want to look into the fact that North Lane has been scamming people. I really wish that there was a no stars option because they both are crooks.

I used Santander because I started a new business and credit was hard to find. I didn't mind a higher interest rate but I had no idea it was going to be highway robbery by the mafia. I put 5,000.00 cash down on a new Honda Fit in 2014 and I still owe 1,800.00! In a nutshell I have paid already paid Santander more than 40,000 dollars for a 17,000 dollar car! Santander destroyed me.

If you are in the market to buy a car PLEASE DO NOT I REPEAT DO NOT LET THIS COMPANY FINANCE YOUR DEAL. They are crooks. They will falsify contracts and show them to the Better Business Bureau. I had to file two complaints in less than 2 years. I had one of my cars financed by them. IN the end I ended up selling that car just to get rid of this company. They are horrible in so many ways. Their outdated 1980 website is a joke. They add more to your original contract and they report to 4 credit bureaus plus if you are late 15 days they run with 45 days. In other words everything they do is illegal. I have filed with FTC and Attorney General and they are doing an investigation into this company out of USofA.

This company is horrible.. I had bought a car years ago and ended up letting the car go back because they kept going up on the payments.. Received a letter that the car was resold but yet I owe them over 7k$… how do I owe them that for something I no longer possess and they resold it? There needs to be a class action lawsuit against this company

I paid off the vehicle in 2013. I have called probably 100 times and I still do not have a lien release from this company. Every time I call it is "in the mail." So 9 years later here I am still with no lien release!

I lost my job 3 yrs ago due to my health. I couldn't keep making payments on my car so I called Santander. They said I can do a voluntary repo so I did just that. Now after 3 yrs they got a judgement against me. They want over 11,000. They got the collection agency file this and they took money out of my account money that was for my husband's cancer medicine. Now I'm scrambling on what to do, they are horrible people to work with but they won't be getting any more. I have put my money elsewhere.

Had this company as a lender on my car loan. My experience has been horrible. I was splitting my payment into two, but they told me I was late. Hit with late fees and reported late. Anytime I called, the representatives provided inaccurate and inconsistent information. In March, had late fees of $190-something and when I made payment, asked that $100 extra I put be applied to late fees. When I went to make my April payment I found that the extra $100 wasn't applied, but they then said I owed $220-something in late fees! They were tacking on stuff and I was never going to get rid of them. I stayed upset and angry after calling them. Thank GOD I was able to refinance with the credit union! Dropped my interest rate and lowered my payment of $200 bucks. I will NEVER use Santander or conventional auto financing again. Good riddance.

If you are offered a loan through Santander, RUN! This company is horrible! They charge fees that they are not supposed to charge. Their customer service is horrible as well! When you try to explain your situation, they offer no help like most other banks.

In addition to Santander's less than competitive interest rates they charge, even to someone with great credit, they are nothing short of horrible. I paid off my car early within a couple of months of purchasing it and they flat out refused to send my "pink slip" and instead sent me a link release, which I had to take to the DMV, pay more fees and now I have to wait for something that should have been given to me in the first place. Words of advice, if any car dealers mention Santander, walk away and shop elsewhere.

I purchased my first car in February of last year. Santander was the company that got me. It took them several times to pick an amount that I was able to pay at first. I fell into a hardship and not once this company ever say I can try to lower my payment when I told them my situation. Their customer service representative are rude. When speaking with upper management all they told, "We will notate that for you and file a complaint but there is nothing we can help you unless you pay off what you owe in 10 days." No help from whatsoever. This is a crappy company. Do not finance your car with them.

I recently reach out Santander about my gap insurance check. They still have not sent my check even though my car been paid off since October. I will never use them again and customer service suck. Send me my money you had since December 13. This company sucks.

Bought a chair from Amazon, that turned out not to be as advertised. I had to contact the seller, and they wouldn't take the chair back. I filled out a complaint in the FTC and filed a claims dispute through Santander Bank. Turns out they sided with the company that lied in their advertisement, so I'm out that 185$.

I purchased a 2016 Versa Note finance through Santander Consumer USA. Made over 60 payment, cannot get this paid off, I found out this is a contract that interests accumulated. I was stuck in this contract. No way out. Will never get this paid off, I was told by Butler Nissan, "This car is paid for you. Need help. See a attorney asap."

I paid off my loan in Nov. of 2021. It is now March of 2022 & I'm still waiting for my refund. I was told my refund would be around $500 & now they are telling me it's $332.25. I've been getting different information which to me is just giving me the run around. No one knows what they are doing. When I called on Feb. 17th I was told that the check was mailed out. Before that I was told that it would take 21 days to be mailed out. Then today I was told that they are waiting on approval to even send the check out. Dealing with this company has been a total nightmare. Do not use the company. They rip you off & the service is horrible. I didn't even want to give them 1 star. I'm filing also with the BBB!!!!

Absolutely the WORST company ever! They are still ruining my life! I received the settlement check but my loan wasn't forgiven, I've been disputing the accuracy since it is something that I cosigned and was never informed by Santander when it went into default. Anyways when I recently submitted my dispute they CHANGED the records on my credit report and put that it was an open collection. When I disputed that, then they changed the date that my account was closed to a recent date although the account was ACTUALLY closed in March of 2019! Both updates they made dropped my credit score an additional 50 points! How can they do this? Lie to Experian, Transunion and Equifax and get away with it?!?!

After reading several pages of 1 star reviews from these crooks, I just had to get my vent on! I had a car loan with these incompetent people two years ago, got in an accident (car ended up a total loss)… Mind you I only had two months left to pay it off after six years of payments. My adjuster calls me telling me that Santander says that I owe 3500 dollars! I said **! Please tell me how I managed to owe the EXACT amount that I was supposed to get from my accident??!! With only two months left to pay it off! These people apparently haven’t learned a thing from the multi-million dollar lawsuit from last year, which I received 200 and something dollars for… Gee thanks... I say this to say, going forward the lesson I had to learn the hard way is to ALWAYS look at reviews before you purchase, finance, eat out… Everything! And if you can, hire an attorney that can get the job done!

This company is quick to finance your vehicle. STAY AWAY. They are not here to help. I have made multiple large payments and even a settlement payment. I have to get a lawyer to help me. The customer service is terrible.

This company harasses you so much. I made a half payment and the next day they called 12 times!!! Then when you call back no one wants to answer. Then when you pay the rest of the amount they tack on the next payment as if your super late. I hate this company with a passion!

I highly discourage using this loan service provider. They have you pay all of your financing upfront so that the principal is left on the vehicle within the last two years of you paying it off. What happens if you total your vehicle because of someone else’s negligence? You still have the entire principle to pay off on the loan. Do not do business with this company.

In December 2021, my car lease was over. I decided to purchase my car. My new lender for the car loan is Santander Consumer. I had a previous autopayment set up to my previous account when the car was leased. I forgot to take off the autopayment, and accidentally paid twice for my car payment in January 2022. The amounts were $388 and $399. On January 20, 2022, I called Santander to have them send me a check for my overpayment. After a rude man answered the phone, I asked to be transferred to a manager. The manager explained to me that I had three options: use the overpayment toward next month's payment, get a prepaid VISA card sent to me, or fax them proof of payment from my bank so they can send me a check with the overpayment amount. She also mentioned that I have VISA card coming to me from a previous overpayment in November 2021. I did not authorize this nor was I made aware.

If I could give them zero stars I WOULD! They are the absolute worse! I had COVID and was out of work for a week and half and I called to let them know that and they still kept calling me even after I told them I could not make the payment due to a shortage in my check. I offered to show proof but they "CLAIMED" they didn't need it and they would put a note in my file. They harass you for being ONE day late!!! I have never received so many phone calls in my life over a payment I TOLD THEM I WAS UNABLE TO PAY! They need to be shut down immediately! They are not friendly people and ALL OF THEM NEED TO BE FIRED IMMEDIATELY!

Horrible service!!! Zero accountability, beware! So far worst finance company I ever dealt with. After 3 months of chasing down an overage payment after I refinanced with another company, they washed their hands, and allegedly sent off my refund to an unknown company in the form of a prepaid card...I didn't authorize this. After 6 calls or so following up with them, they give inconsistent updates and each customer service agent uses id #s to sound good but it is meaningless since they are Not of help anyway. If there was no stars on the review it would be better. Their phone 1888-222-4227. At this point I just about given up on my refund...so if you have time to waste and money to burn, deal with them.

Dear heavens stay away from this company. I financed with them when I bought my daughter's car. Now I have refinanced the car with a credit union closer to home and they have lost the payoff check or applied it to another account. When I call they say there is no way that the check could have been misapplied. I asked how that's possible if a human being is keying in the numbers and she just went silent. So in order for my account to stay under the 30 day deadline so it doesn't affect my credit I am going to have to make another payment to these horrible people. I don't see how anyone could work for this company with a good conscience. Worst customer service I have ever encountered!!

Paid car off ahead of time, was never late on payments, never received title, called every month just about and got the runaround, every time spoke to someone got different answers, was told that title was mailed out but didn't put APT number and title was sent to motor vehicle, then told that we needed release of loan paper which they were supposed to send out to me but never received that either, called again and they didn't even have a account for me, still 9 months later and I haven't received the title, would never get a loan from them again, no one knows what they are doing and you can never get a straight answer.

I am so disappointed with the treatment Santander has presented me. I asked the Senior Advocate to investigate how my forbearance was presented to me by a Santander representative as I was told my loan would be frozen throughout the forbearance period and any missed payments would be added to the end of the loan and my loan would be extended by that time frame. I was on the call with the Hope Hotline, an organization Santander lists on the payment voucher as well as the call was recorded. It was never communicated to me that the payments were not frozen, but being forgiven and that I was incurring interest the entire time.

I would give it 0 stars if it allowed me, but 1 will have to do. The representatives do not work with the customers at all and are VERY unprofessional. Their systems online to make a payment takes too long and YOU as the customer gets penalized for it when it is something that should have been taken out within that day or the next day and not 3-5 days.. They never gave me notice officially that my car was going to be repossessed. Even when I had the money in hand to make a payment to get current, they would not reinstate the terms. I guess they don't like getting money from customers. If anyone has a loan through them, just refinance with another company because they don't work with you and always against you for their faulty systems. Do yourself a favor and stay away from Santander.

I purchased a 2011 BMW 750i just over 6 years ago. I made 72 payment on time and then, in October last year I traded the vehicle in at AutoNation Greenacres Florida. Subsequently, I received notice in December 2020 that Santander USA filed a 30 late notice on my account. I spoke with the Director of Finance at AutoNation and he provided me a letter on their letterhead that due to Covid 19 they had a shortage of staff and thus the final payment was delayed. So after 72 months (6 years of on-time payments), the dealership admits wrongdoing in a document signed by the Director of Finance. I also had my attorney provide a letter that stated that once I conveyed the vehicle to the dealership that I was no longer responsible for the vehicle. Thus, after providing these documents personally to Santander and Experian, and then after hiring Lexington Law to submit our case, Santander has yet to remove the 30 day late.

If you are thinking about getting a car loan from them don’t even think about it! We’re in the middle of COVID-19 where everyone has lost their jobs and they make it seem like they wanna help you but they don’t! They told me to just start making small payments on my car and when I get employed all I have to do is make up for the money that I owe them. Nope! Instead they sneak and repossess my car without giving me any heads up or anything. No emails, no phone calls, no nothing.

My son with high gpa wanted to upgrade his car. This competition I took advantage of my family. Even though I had an investigation with the attorney I had my sons towed away this morning. They approved a loan on a mom who only receives $1800 a month. They sold me a car worth $26000 for $66000. They thrive on the disabled. I have be more than happy to provide proof

The most deceptive and dishonest company that I have ever dealt with. They added thousands onto my auto loan after I got a 6 month extension during unemployment with COVID. No one can truly understand a 7 page contract with confusing mumbo jumbo about how much the additional fees and interest would accrue. Bottom line is they added 4400 in addition to the interest I would ordinarily pay. All while they were likely getting government bailout assistance because of covid. I have two other auto loans that treated me fairly under the same circumstances. The owners of this financial institution are outright opportunistic thieves.

I sold my car to an individual and Santander would only take online payments for 2999 per day. So it took me three days to pay the car off and when I called for a title they said, "No. You have to get a Fedex account and then have it sent to you." After doing that they said, "No. You need to get a statement from your bank saying you won’t cancel the payments before we release the title." It’s maddening!!! I sold my car to an individual 2 weeks ago, paid it off and they still won’t release the title. Ridiculously high interest rates and Horrible customer service!

All I kept seeing was "reach out to Chrysler Capital". They will reverse finance fees that you have accumulated because of missed payments because of COVID-19" yet they do not care at all. I first went through a surprising divorce and then my life got uprooted and had to make major changes, I reached out to discuss it and first they "deferred payments". Gee thanks.

Waited two weeks and still waiting for the release of my vehicle. They said it takes 7 to 10 days. The check was posted on the 11th. Here it is the 21st and I still do not have my car. So Monday I should have my car.

I have been trying to close my checking account with Santander Bank for months now, and they say they can't over the phone and locked my account so I can't even get my money. They said I have to go into a branch to close my account. They are located in PA and I live in TX. I can't fly to PA to close my account. This is ridiculous that they can't close my account nor allow me access to my money without visiting a local branch. I feel that they are scamming me knowing I have no way of visiting a local branch to retrieve my money and close my account. My advice to anyone looking to open a new bank account to stay away from this bank.

I purchased a truck from a dealer in Texas who uses Santander Consumer USA. After paying to loan off years early at NO discount, it took a month to get payoff confirmation and never sent title!! It cost me an additional $45 to order title online.

DON'T USE THIS COMPANY. THEY ARE CROOKS. BEWARE!!! I was in a major accident. My car was totaled, the accident wasn't even my fault but regardless this company is taking over three months to process a insurance claim because of a missed picture of the odometer reading that they failed to ask my insurance company to supply!!!! I would call both of them & they both kept saying they were waiting on one another??!!

I paid off my vehicle in full and was told that I had the amount of $111.00 coming back to me. This happened in May and they have told me they mailed out check on May 8th and I never received it so they allegedly reissued the check at the end of June, again I never received it. They then said they would issue a check to be delivered overnight delivery, and yet again I have nothing and that was a week ago. They have continually lied to me and stalled giving me my money back. I am about to take legal action. This company should face a lawsuit and be closed down.

I and my Deadbeat daughter are on the Title yet I get No notification in the mail when the monthly payment has not been made. I get a Notice of Right To Repossess. I have five days to make three back payments or the car is getting repossess. I call an attorney first. Then I call Santander...ask them why I did not receive any notifications for the past three months? Why their web page states, "Our commitment is to do everything we can for those affected by Coronavirus (COVID-19)." Ask them what can they do for me? No reply just, "How much can you pay today". I say first answer my questions. They can't 'cause they are stupid.

When I got my car financed it took 2 months to get Santander to send any info. I paid my first note to the car dealership. Santander said I was late when it was their fault. It took forever to get caught up. Paid on the car every month for 3 years. Then one day woke up and the car was gone. Santander said the car hadn't been paid for in 2 years! They lied! And would not speak to me every time I called. I was put on hold for an hours! I finally gave up and now I have a repo on my record. I do not recommend Santander to anyone ever! Now I just heard from a friend they have Santander that is auto paid every month and they just got a letter saying it was gonna be repoed. I never even got a letter!

I paid my loan off in June. It's now almost August and they still have not provided the release of loan, so that I can get the title. I called and was told that it would take 15 days to receive. I called back after 15 days of not receiving anything. I was told that it would be resent, still nothing. I called again and was told that my previous request was rejected and was told just go to the DMV to get the title. I asked the representative why I was not contacted, she had no answer. She just kept saying that she was sorry. When I was late on a payment when I lost my job, they were blowing my phone up to receive payment. When I asked if they could assist because I had lost my job, they did nothing. If you are ever approved for a loan from Santander Consumer USA, don't take it.

I did not get the promotion Bonus of $225 for opening a Simply Right Check account. If I could give Santander a negative rating, I would do it. I open the account on-line at Santander website on 11/17/2020 during their promotion time. Santander offered a bonus of $225 for people to open a new Simply Right Checking with qualified activities such as direct deposit and Bonus will be paid in 90 days. Santander did NOT provide promotion code at their website and there was no entry to enter for the promotion code when open the account on-line. After 90 days, and I met their requirements, I called them in the begging of March, 2021 regarding to the bonus which I did not received yet. The representative told me I was supposed to received the Bonus and I had to wait until 3/18/2021. He did not mentioned promotion code.

During these difficult days, we all are struggling but don't ask SC for help, they don't give a rip. I have been paying on my loan for over 3 years and over the last year, I have made my payments early and for more than the amount. If you ask for their help to try and make some changes to the interest rate or payments, the only options they have is get some other bank to pay it off. Even if you set up auto-pay, they won't even give you 0.05% off the interest payments and I am at 15.96% interest (I am getting nowhere fast). I would never recommend this company, nor will I ever use them in the future! NO HELP!

Went to Chrysler dealership to buy a used Challenger they was advertising. Spoke to salesmen in advance. Give him my credit info in advance. He said I qualified. When I got at the dealership he had a brand new Renegade waiting for me. Told me Renegade 0$ down 485 per month or 3000 down 579 per month for used Challenger. I fell for it the old bait and switch. When the Pandemic hit tried get rid of stupid Renegade. Big trouble. Had to voluntary turn it in at a big lost. If you go to the dealer looking for a used car Don't let them sell you a new one.

This bank think nothing of abandoning long standing customers and NOT offering any alternatives. I can't even close an account because you have to appear in person at a branch, and the closest branch is now 2+ hours away.

I don't even know where to begin. First my loan was predatory to begin with (and don't think I don't know about the multi governor lawsuit), but then 2 hours after I bought my car my home burned down. They helped none. A week after buying the car and 3 more times it broke down and I was charged hundreds...2 years later those issues are part of a dangerous recall and Kia is ignoring the fix because I can be part of the lawsuit endangering my life in the process. Then covid happens. I have lupus and was trapped home, my life at risk while they supposedly helped me by deferring payments at the 23% interest rate knowing I was desperate. I couldn't give up my car. I have lupus and have to make Dr appointments all month.

As an old person, wasn't sure if online was safe. So I had to go to bank building to check on my accounts. Decided to try online a while back when pandemic started. Now I am enjoying this convenience.

On March 27th, 2015 I started my car loan with Santander, Each 27th of a month I was charged 287.93$ for my car payment. All my payments paid on time with no late fees/issues. Since I open my bank account (2011), I DIDNT change any of my Banking information. All those years my payments received on time and I didn’t receive any call regarding payment issues from Santander.

First of all I have never heard of this company nor had any business dealings with this company and yet they say through a collection agency that I owe them 8k. This is a lie and false Accusations and they need to check their records.