Santander Consumer USA Reviews

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.

I would give this company ZERO stars if allowed. January 2021 I pay off my car loan in full. Received letter of pay off 2/2021 & letter of title transfer (my state does electronic title). I even received a check from Santander because I overpaid the pay off of car loan. 2nd week of April rolls around and I received a letter from Santander talking about getting my account current and it was from their debt collection department. Extremely perplexed, I called to see what all this was about as I have NO LOANS with them anymore. According to them, someone in 2020 made 2 additional payments to my account (unbeknownst to me). This makes absolutely no sense. Someone isn’t doing their job. I did mine and paid off my loan per their payoff and now they are trying to stick me with over $1300! Very poor customer service & communication!

Santander approved a subprime Predatory Car Loan with insanely high interest rate of 22%. I paid $500 a month for 2 years and it all went in their pockets, no deduction on the price of my loan. Highway robbery. I'd suggest not dealing with these crooks. For the money they took from me so far I could have bought 3 used vehicles in good working order. They refuse to refinance or renegotiate their loans with customers.

I am a retired Veteran got an auto-loan through Santander. They have been reporting differently to all three bureaus. To one bureau is on time every month (which it is correct - is on automatic pay), to another they reported three months and account closed, to another they I have been late since I got the car for over a year. I have called several times.

My financial situation recently impacted by Covid and was told by Santander I was covered for a 6 month period. I never received calls from them just a monthly statement with a monthly payment due. I call them to start to make payments and advised the acct was sent to a collection agency. Never informed me, never called me and was told they did not have my phone number. It somehow magically disappeared. They are shady and their CS reps.. don't care, dumb and ignorant towards certain people. NO HELP. BEHIND THE TIMES. STAY AWAY. I WILL TAKE ACTION! Who is interested in a class action lawsuit??!!

Charge me only interest for six month with the understanding that my interest would go down, not true. Never verified my info upon acquiring loan. JUST a list I have paid for years and doesn't go down as should interest rate. They renegotiated my terms after stating they didn't do that and of course added on longer I contacted the Attorney general in regards to this latest Enforcement investigation. These are the worst people and dishonest people the finance game yet they continue to remain in business.

Santander bank promises to protect their customers and our money. Two weeks ago while making legitimate purchases in my city of Brooklyn NYC, Santander bank shut off my debit card THREE times in 2 days and I had to verify my purchases. How embarrassing. However, a week later, somebody "skimmed my card and made over $500 of unauthorized purchases 800 miles away in Philadelphia PA. Not only did Santander bank not notify me, shut off my card, but allowed these purchases and told me to file a claim with them.

All I will say is that you should never accept a car loan from this company. I do not have the words or the time to explain. You do not know me but I am asking you to trust what I am saying. You must refuse this loan or you will regret. All the reviews that you have read are accurate because almost almost everything that they have reported has happened to me; except the repossession. I am about helping others and it breaks my heart to read some of these reviews. This company is about making money, and doing it by taking advantage of hard working people who are trying to take care of their families and get through difficult times.

Rude staff, will drop call on your if your question is too much of a hassle for them to answer. My loan was bought out by Santander a year ago and since then I've had headaches. They take forever to update your credit!

I ended up having my car payment with them and thought wow I like the system. It seems cool. But they tack on so many fees throughout the loan and when you finish paying it off they make you pay more.

TLDR; If you see Santander on your loan agreement, RUN AWAY! Obviously, if you are here to see how Santander is, then there are plenty of one-star reviews to be had. I've paid my bills on time with no issues and no late payments whatsoever for almost 2 years. Covid Strikes and I still pay the bill for 2 months of having no job, due to quarantine. In March, I called them and explained that I have not had a job due to Covid, and request a deferment of payment until I get my job back. I was cleared into October.

I bought a vehicle from Ford company. Was given 90 days before first payment was due. When I went to tag vehicle found out my paperwork was all wrong and I had a new lien holder. That my account had been sold to Santander. They were already finding me in default because my agreement with the ford company was not fulfilled or upheld by Santander. So the extended car payments were null and void. Also the interest rates were so much higher. I would never have agreed to these terms. I have been buried alive by such actions.

I was picked up by Santander for an auto loan. I was never sent a bill. Just a text with an 800 number to call. I was in Perú South America for three weeks and got a letter saying I was late which I expected. I called to make a payment and was told I had to set up an online account for payment which I did. They said they will take Visa. When I went to put in amount it wouldn’t go through. They said I could make a payment up to 2999. Fine. I thought I make 7 payments in a row my loan for 21000 will be paid off. Guess again. I went online to get a payoff. Could not get it.

If I see a big class action lawsuit against this company, I will be the first to jump in to testify despite what the payout is. This company destroys your finances, do harassment, will not resolve any issue, and most importantly, towed the auto you bought with shady repo towing companies, it will destroy your credit and life all for a few hundred dollars. To make the story short, they towed my vehicle which I accidentally left my credit card in the vehicle and found out that one of them stole it and used it to make an online wine purchase immediately. I filed a complaint with the owner and Santander USA. Only the owner cared but not Santander, that company could give a hoot. Then to get the car out, they told me if I send a Western Union of almost $2,000, they will not send it to auction and told me a deadline date and time before noon.

After paying faithfully $687 a month for two years! My husband lost his job to Covid, my mother passed in April, we now raise our 5 yr old granddaughter along with our 10 yr old son. We ended up losing our home! But I still kept in contact begging for help, extensions, but nothing!! Very cold, oh well attitudes from customer service! My husband receives very little unemployment, but we took it to use to buy our son and now full-time granddaughter very few things for Christmas. She was so excited walking around the store singing Christmas songs, drinking her little cup of hot chocolate.

Called Santander to let them know I missed 2 weeks of work because of covid testing and me being sick. Said I could pay it in two weeks from today, I was told that after 10 days I will be charged a late fee! Say what?! Late fee! So this company is telling you don’t get sick, you will still be charged a late fee. So Santander does not have any late fee waiver? The only other option was to extend my payment out, and I do not want to do that. So whatever you do, don’t get Covid or testing or get sent home for a week, you will pay a late fee. 2 more years of dealing with this joke of a company, who still employs a number of heavy accented individuals whom I can barely understand. After this vehicle is paid, never again Santander.

My daughter purchased a car at a dealer for $9,000 in May 2020. She put $4,000 down and took out a loan with Santander Consumer USA for $5,000. She thought the loan was being charged to one of her 3 bank accounts. It never was and after 3 months she received a letter saying she needed to pay the 3 month balance in 10 days. On the day she received the letter she didn’t have enough money to pay the balance so she waited until her next biweekly paycheck to pay it which would be 11 days later.

They acquired my loan during the last six months of a five year loan. I was NOT a sub-prime loan and I have outstanding credit. For the four and a half years leading up to Santander acquiring our loan we had NEVER been late. In fact I always paid more than minimum through an automated payment. When it came time to make my final payment for a measly $175 balance, Santander stopped withdrawing the payments and didn't tell me that they were doing so. I was expecting them to simply withdraw the last payment and pay off the loan.

Went to Carmax and bought a new car. We had poor credit, but we had the money to pay for the car in full. We decided to pay $20,000 and have the remaining $8,000 loaned out to us so that we could build better credit. The only loan company that considered us was Santander. We have been paying on this loan for 3 years at $258 a month. That's $9,000 yet only $2,000 of that has actually paid off the loan itself. I imagine the other $7,000 went towards their thieving "interest rates".

When I first got my car about a year ago, my loan was with Santander. I had an absolutely ridiculous 22% interest rate, so I recently decided to refinance since I knew I was getting robbed. The new loan company said that the payoff money was sent online to Santander on Thursday 11/19. As of today, Wednesday November 25, my account is STILL not showing as being paid off and santander claims they have not received the money. Better find the money soon Santander - I’d hate to involve a lawyer.

Watch out for fees!!! They are still charging me a disposition fee ($394) for returning a leased vehicle (returned low miles and pristine condition) through them even though I financed a new vehicle for purchase with Chrysler Capital with the turn in. Was told there were no additional fees until I received bill in the mail. Company would rather charge me ridiculous fee than keep my service. Spoke to rep (and he spoke to his supervisor) who said they couldn't/wouldn't do anything. I will NEVER buy or lease with this company again. I suggest you consider the same. They want your money, not your loyalty or respect. I've already refinanced and taken my loan out of Chrysler Capital. Bye. Bye.

My husband and I are in the process of buying a house and had to wire money from my Santander checking account to another domestic account. Not once but twice - twice! - Santander's wire department failed miserably at helping us transfer the money in a timely fashion. One time, we had to wait an entire weekend despite submitting the wire well before the deadline on Friday early afternoon; the other time (now) I am still waiting for the money to be transferred despite sitting in a branch for two hours and being put on hold with customer service for an additional two hours. In the meantime, Santander has given me absolutely no information about what the hold-up is; what additional information I can provide; or even WHERE the money is. Just....infuriating.

Two and a half years ago, my wife and I wanted a car and I had bad credit and my wife had no credit. We went to the dealership and every major bank turned us down, even banks out of state. However, the finance manager said he will get us approved regardless. So, Santander at first said no but then approved us. We were grateful.

My brother had an account with Santander and he passed from Covid April 12th. I mailed all the paperwork to have them relinquish the funds to me and till this day 11-13-20 I am still getting the run around from them. I even had one representative tell me to just take his debit card to the atm and "just take the money out yourself" which is illegal. I just heard back from them telling me that the paperwork that I submitted was incorrect and that I will need to start over. I do not understand why the same paperwork that I submitted to 3 other banks was okay and not for Santander. This mental anguish is horrible and I do not wish this upon anyone, losing my brother was hard enough without this bank adding on by ignoring me and giving me false information.

This is the worst company to ever deal with when it comes to getting a loan for a car. They target low income people and people with bad credit so they can hit you with higher interest rates. They do not try to work with their customers. Even during this COVID crisis they are still collecting interest and late fees and trying to repo people cars. Still waiting to hear from the lawsuit for all the people that they have roped off.

Let me start by saying I hardly ever do reviews, so when I do one it’s because it was worth the time for me! I went through Santander for my car. I told them my concerns about getting a new car. They acted like they were here for me and could help no matter the issue. Well a few months in I had lost my job due to the Coronavirus. I immediately called them and told them what was going on and asked if there was anything they could do to help. They told me no! I kept them updated on everything. I told them I had gotten a new job and told them I would be able to make a full payment by a certain date yet they took my car anyway! I called they told me to pay off what I owed, any fees and an extra month to get my car back then proceeded to tell me if I would have asked for help they could have helped me before my car was repossessed, like what the hell? I did ask!

Santander Consumer USA is the worst company loaner ever, I hear stories about them but I never thought they gonna do this to me. Now I know I will avoid it at all cost. They take advantage of people and take moneys as well. Unfortunately there's no law to protect the consumers from companies like them, they repo my vehicle when I had almost 3 years paying. They just took it away and don’t give me options to get it back because their stupid companies policies.

This company is a ripoff. Be careful. My car loan was paid off in October 12. When I called Santander on October 27, 2020. They stated that they will send me a letter to note that the account was paid off date on 10/27/2020 and will mail the title within 30 days. What gives? Why counted from the date I called and not paid off date? What if I didn't call? I wish Gateway Lending didn't just move my loan there! The customer service sucks. The automated phone number had you going around and around, asking you to choose option 1 so many times before it gets to a real person. The bigger questions are.. where IS MY TITLE?! Why keeping it until a customer called?? Isn't this against the law?

These individuals offered me a loan at a time where I only put $1,000 down on a $19,000 car loan. They saddled me with a $436.00 car payment while I was making $12.30 an hour (with already $500 rent), then when I fell on hard times they LIED to me multiple times saying that partial payments would be fine to make. My car was repossessed and they charged me double the amount of money, and then towed the car over 40 miles away from my house.

I was asked at the beginning of my loan. I was asked if I wanted to make my first payment on my car in October or November. I chose November them not explaining to me that that would make me owe an extra $1,800 over time. Didn't let let me know until I was making my last payment after 6 years of no missed or late payments.

This financial company is the worst of all, I do not recommend it to anyone, everything is a scam. I fell for the scam of a lease in April 2018 and they told me that at any moment I could change the lease to financing; I actually have 9 months to go to read and I decided to buy the car. Now they say that they do not finance the car, that I should go to my bank to ask for financing. Due to the above, I went to buy a car, and it turns out that until I finish paying the lease scam, they cannot approve me to buy another car. Don't be scammed, Chrysler capital is a scam and catches you with pure lies.

They closed customers' accounts after 290 days past due. They repo my car right after I put $$$ into this car. They watched everywhere my car was parked, seen I was getting work done then came and got it.

I don't know where should I start? We brought brand new Jeep Grand Cherokee in end of August this year and we did finance though Chrysler Capital. This company give me a so much of the headache. First what they did, they spell my Husband first and last name wrong. When I called them to fix his name, the only thing they can change is to send them a copy of his Driving license and his account number via Fax. There's no another way to fix it, so on our day off we drove to nearest store and pay for fax to send them a copy and they probably need it 10 business days to fix they mistake.

I paid off a truck from Santander Consumer USA in July of 2020. I called the other day about the title for My vehicle. They said it would take 30 days to get the title? I said I paid it off 3 months ago. Almost 3 years early! After looking up my account they said the title was mailed out on July 31, 2020? So now it is going to be my responsibility to pay for another (lost) title! Santander said, "We will send you a release of lien." I got that in the mail today. So why did I Not get the title. Suspicious that I got that document but not the title! I've lived at the same address for over 3 years since I bought the truck. Why do I have to pay for a title on a truck that now belongs to me? I can't even sell the truck until I have a title! Why wasn't that title sent certified letter? It's going to take additional money out of my pocket 30-40 dollars and 30-45 days to get another title! If it costs me money that company needs to reimburse me for a lost title! Time is just as valuable as money.

This is the worst bank ever! I had extra fees added on to my account. When I tried to ask the agent helping me they were rude. Do not use this bank. I am having to get a attorney to figure out what is going on. On top of that they tried to get me to extend my loan which would have added additional fees.

Keep in Mind: This lender is primarily for those with a much less than perfect/no credit score. If offered a loan from them, accept it knowing interest rates will be high. **This complaint has nothing to do with pricing as I knew what I was getting into.** Had the loan for almost 3 years with only 1 incident of delinquency in payment. ****

My brother purchased a car from Koons and got financing with Santander Consumer USA at 24 percent financing. I was against it but he wanted the car. After 10 months we were able to refinance only to find out that after 10 on time payments only 200 dollars went to the principal of the cr so I called the company and I was told that the interest on the loan was 13.80 per day which equals to 390.00 a month. I said, "You people are crooks." So after paying 18,000 for the car finances 21,000 my interest is 28,700 so I will never own this car. This company is a rip off. They take advantage of people with less than perfect credit and people become trapped and the sellers are worst because they don’t tell you so you are screwed at the end. I am asking that anyone who reads this to please contact Better Business Bureau. We have to take a stand against these people. Thank you.

Financed my vehicle thru Santander at a 23% interest rate because of slow credit history on a 6 year note (yes they had me). Had it withdrawn directly from my checking account which was my choice. My bank info had been hacked so I had to open a new account. I did not advise Santander and didn't realize my payments were not being paid until I got notice from a credit bureau that there was issues. I immediately brought my account current with no notice from Santander. Santander had advised they tried to get in touch with me which was a lie. They wouldn't work with me on the additional fees they charged due to this incident. Mind you I had not missed a payment in 4 years. Then as I paid my truck off, full term, with the interest that it was, they could not produce a title.

This company is terrible, shady and illegally holds your money after payoff and makes excuses to collect interest off money and not give interest and send my money back. Do not get ripped off by this predatory lender under current lawsuit. Send me my money you owe.

This company willfully practices horrible predatory lending loans. I cannot believe there has not been a class action lawsuit filed and they are able to sleep at night knowing that they are raking in literally billions of dollars off of the collective high interest loans they approve. My car loan was a approved at a whopping 23% and sometimes it is upwards of 25%. I have filed a complaint with the Attorney General's Office. I made the horrendous mistake of signing this loan contract because it was my first car loan AND the dealer (of course) said I would be able to refinance after a year- well fast forward 5 years later I have been told on multiple occasions "this type of loan" cannot be refinanced.

Don’t lose your job in a pandemic and get behind but not provide a sad sad story as to why you couldn’t pay your payments other than losing your job. They’ll take your car and tell you it’s “non-negotiable” and that you have to pay off your loan to get it back. First time it was repoed and they didn’t even let me try to make it right. Just “pay the loan off in 10 days and you can have it back”. There’s definitely something wrong with a company when you can’t even make it right when you lose your job over a virus that is affecting the whole world.

I was pregnant back in 2019 and had a huge thyroid issue basically had me in health issues and I lost my job. I was not making my payments on time but I was at night not making my payments. My interest-rate is at 17% making me pay an additional almost $3000 extra on my car payment yearly. They were close to repossession even while I was making payments. I only fell behind twice and they just kept adding interest rates. They never asked if I needed assistance, I was looking for alternatives I did not want to but I am turning my car in because I would rather not have it Finance with a company who does not care about their customers. When I had a Volkswagen, Volkswagen allowed me to defer my payments with no interest. I would never recommend this company to anybody in their customer service is beyond garbage.

Santander is well-known for their predatory lending practices. The abusive business practices of this company are appalling and supported by multimillion dollar lawsuits. For auto loans, Santander eliminated GAP insurance years ago, which protected consumers in the case of their vehicle being a total loss by providing the funds that insurance does not cover (since insurance is based on vehicle value, not on loan amount due). This allows Santander to keep your car payment at the same rate without reducing it, no matter how long you have left in your original lease terms under the guise of “not having collateral of your car” which means they will not work with you to reduce or lower your payments. My APR is over 25%, which is absolutely absurd.

People be very careful full about This bank SANTANDER CONSUMER USA. I am taking them to COURT for RESELLING STOLEN CARS. THEY NEED TO STOP THAT. I purchased my car cash from the last owner with title and no lean and Santander consumer USA after 10 months came and still the car to go sale to someone else. Now I have the new title on my name how are they doing this title and lean release on vehicles that are not paid for? Is going to cost me time and money but for $15000 I am suing them. I will make sure it’s in the news for everybody to know. People that are losing cars please check with Santander.

The first year, no problems. Second year they started misreporting my payments as being late or missed, it seems like every month I had to call them to update their payments reports. My husband had a stroke I was told I would be given a 3 month grace period, when I tried to make my next payment they called me a liar that I was only given 2 month grace period. I would never ever recommend them for anything, they should be ashamed of themselves picking on a stroke victim and a disabled couple. Shame on you Santander.

I was given a 2 month forbearance (March and April) on my car payment. Yes, they explained that interest would continue to accrue on my account. During this pandemic I felt I had no choice as I needed the money to help out in other areas since my earnings from my job were cut by almost 60-70%. I was informed that my payments would begin in May and I have made the May and June payments on-time totaling $1,170.00 which all of it went towards the interest on the loan.

Santander accept my car loan. My credit score was 530 okay but my car payment is 340 for 72 months in 6 years 24,840. I signed for this. The car cost 13.000... And the other 12,0000 supposed to be the interest right???? But when I was checking the balance I didn't seem any difference I been paying since March. When I called them they told me that I was paying 8 dollars everyday of interest even though I'm paying on time so if I paid 345 on June 20 and my next payment is on July 20 still have to pay the 30 days between 8 dollars X day.. That's fraud.: that means the car cost me 40.000.:. I never expected this..:

Chrysler Capital is IMPOSSIBLE and UNREASONABLE to work with. Other dealers are giving ZERO % loans right now... Some for the LIFE of the loan. But NOT Chrysler Capital. Granted, I wanted to purchase my lease. So it's not a new vehicle. But 12% ??? REALLY??? I thought it would be in the best interest of both parties for me to purchase my leased vehicle. Are my payments late??? NOO. Current, and even paid AHEAD a couple of months. But 12% for 72 months is their best offer. NEVER NEVER NEVER buy a Chrysler.

This company deserve 1 star. It will not help a customer. Even the agent was disrespectful. I'm forced to drive with an expired registration and no title. My car buy out was approved even when their titles department knew my immigration status would not allow me to have the car registered for unknown number of years. I did my own research but my mistake was taking their expert know-how telling me they will take care of the title.

On June 22, 2020, we received our next month statement. Found out that they didn't received the payment on the 8th. Call them to see if they could waive the interest. Was told no. I ask them why they didn't give us a called. She stated they don't call. We have never been late. We call the money order company. The money order has not been cashed. But the fact that we have never been late they were not willing to work with us. I am so disappointed. This company needs to go out of business. They get 0 zero score.

They are scheming to get more money from customers. They have more lawsuits against them than Trump. They just settle for over five hundred million dollars for all types of illegal activities. I am planning on returning my vehicle I don't care if it hurts my credit score, because the interest rate on these vehicles are ridiculous. It doesn't matter what your score is beforehand they are charging illegal rates you're paying more in interest then you are for the entire car. Everyone I know that's going to get a new car I am definitely going to tell them avoid this company‼

Over 6 years and still owe over half of what the auto loan was for. I had over a 700 credit score until today. They reported false information dropping my score to under 600 during a refinance that we were taking out to just to pay them off to get rid of them. They refused to correct it. Now we can't get the refinance and we cannot get another home loan because of it. They have completely ruined us, and during a time in our country when other companies are stepping up to see what them can do to help. Because we were doing the refinance to lower our bills to keep our home. We now have to sell the home that 5 of our kids grew up in and our 6th was just born in.

I would give them 0 stars if I could. You have no options to refinance, their customer service does not help you but more so aggravates you, and I just paid my car off last week and they proceeded to try and take an additional 177 from my bank account 4 times. Thank god my bank caught it and stopped the transactions. I have had nothing but problems paying this loan and all they want is to charge you for making payments on your own loan that they are already charging interest on. If you decide to take a loan with them make sure you read the fine print but heed my warnings.

This company is financing my jeep and has worked with me through covid19 and extended my terms more than once. I am appreciative for their flexibility and just hospitable demeanor in general. I will be looking to them as a financing option for other cars and properties at that.

I took out a loan with this company due to needing a vehicle I could have for my son and I. However one day they called and told me that they hadn’t received my payment and that I was behind a month! I really don’t understand how that could happen but whatever. So I just recently paid off the past due balance. Which was $715. My next bill isn’t due until 6/15 of $404 dollars and they have reported to the credit bureaus that I’m late!!! I’m highly upset! When I call the automated system it says that I owed $600 something dollars! This company is complete trash and I hope that they go out of business soon. I’m definitely considering turning in this car and finding something else because they’re not about to keep robbing me! I will be also reporting them to the better business bureau as well. Good luck to everyone else on here. There has to be a better option for us all. So if you’re considering using Santander for a loan!!! DON'T DO IT!

I was out of work due to COVID 19. They were not very concerned and told me that they would request late payments be removed but couldn't promise anything. My early pay off on loan is more than the principal balance. Absolutely WORST decision I've EVER made on a car loan!

Don't go through this company for a loan. They add to the loans and don't update their systems. Paid my loan and had proof and they still wanted to repo the car. My family even helped me try and keep it but they kept saying they needed payment. And even when offered to pay AGAIN they suddenly don't accept any form of payments. When they decide they want your car they will not stop. This company is trash and needs shut down. I went from actually owing $16,000 to $25,000. So instead of deducting they add on the loan, you will never see the light at the end with this company. I let the jeep go and will not give another cent to them!

Updated on 09/26/2020: I have submitted 1 reason earlier, but I have some updated information. Regarding a 2019 Mitsubishi Mirage G4. I had to defer 3 payments of 499.59 (due to Covid-19 and everything was on lockdown), guess what? They added 5 months to the 72 month payment plan, now it's 77 months that I owe. Now I owe 18,286.00 with an interest rate of 27.89% which comes to 21,468.00. Total owed 39,754.00. Ironically they lost my payment history of 5,500.00. I have all receipts. I told Santander to come get the car. it's value now is 8,000.00.

I give no stars but that’s not an option!!!! I would not ever recommend this company. After paying money to keep my Jeep I was told I still owed over 500$ and this is after I done paid over 800$. All I was a few days late. Tried to keep vehicle and every time I was being told different information. Tried to refinance with credit union but Santander wouldn’t allow them to pay it off. Called Santander and they said they’d never turn down money. Now vehicle getting repo and they telling me it’s voluntary and I’ll have to pay what it doesn’t bring. No. I said it’s not voluntary cause Santander wouldn’t work with me so I could keep. I say Santander is a legal loan shark. I say run as fast as you can to avoid doing business with them!!!! Now my credit is jacked.

At the time I was 20 all the banks that we tried at my Nissan dealership wouldn’t give me a loan for the car but Santander did. They gave me a shot. I didn’t let them down and same with me. It was a lot of money for me since I’m young but it was easy to pay bills, talk to reps and most importantly to help me get into a reliable car I’m which I’ve love for years so thanks Santander. It’s much appreciated. (Btw I’m still only 20. I just refinanced with my bank nearby since now they accepted me.)

Santander website is unclear, if feels like a scam. I don't see the months that I paid for or the future months that I will be paying for. Why my balance looks different than when Gateway One was in charge? Untrustworthy...

I was never told (why would I ask!) that Santander DOES NOT refinance loans! Never heard of that before. I would have never agreed to them being my lender. I've made every payment on time for 3-1/2 yrs yet still paying 20% + rate. BS. My credit is 620 and no other lender will take over my loan.

Tried to make last payment, but was told can not do so with credit card, they only take bank account information or debit cards, they are making sure to charger more interest for longer time to make payments, this company has never had the correct information for my account, it takes them more than 3 months to send titles on full payments.

You just recently change website to look at my account online. How you managed to screw up a nice easy to navigate page for a inferior piece of garbage is beyond me. You must have saved a ton of money with this garbage or you got robbed. It really is unprofessional and terrible to use. Thanks for nothing..

Santander took over my auto loan from another company, in December. I didn't receive any notice until February. I called Santander asking for the payment history they received from the old finance company because Santander is showing my payoff balance over $1000 more than what my records show. I received another letter from Santander stating the initial letter I received was sent in error, disregard it; my account with the old finance company is closed and settled. Called Santander asking for my title and they say "oh, the 1st and 2nd letter was sent to you in error, disregard both of them".. I call today to make a payment and they say I'm behind $1000.. I call to speak to a representative and she pretends to be transferring me to "account services" to clear up this error and the phone conveniently disconnects.

Chrysler Capital is the worst financial company I have ever dealt with! Dealer submitted loan request and was approved through their company late October 2019. I was not happy about their interest rate as I have never had an interest rate so high with my credit score being so good. They gave me a rate above 6% APR. I began paying payments right away as I like to stay ahead. By January 2020 I had made a call as they didn't show my next payment due appropriately, should have been months ahead. They showed me due for the current month. They said it would be corrected. 2 weeks later it still wasn't corrected. I connected with Consumer Financial Protection Bureau (CFPB). Provided my complaint. They acted on correcting my account only after my complaint to CFPB, that could fine them for following protection acts that are in place for the consumers' benefit.

Omg this is by far in all my years of banking the worst bank I have ever dealt with! I am pleading with you before you make a terrible mistake stay away from this Spanish owned bank whose qualification for employees are buffoons and below! 7 weeks now I have tried contacting Santander, the new mortgage co they just hired which is laughable, the new mortgage co changed the rules on my mortgage!!!! A new co. Santander didn't care. Oh sorry they do the mortgage side of santander now! They didn't care one bit that a 63 yr old single widowed woman could lose their house over this "Little" change!!!! No one calls you back, they send threatening letters even after you have called repeatedly trying to resolve the issue. Go read the reviews, 86 % bad on this site, 91 -yes 91 % on another site of 1 star ratings!!! The government needs to step in and help the consumer here because our hands are tied!

I called for help with a dire situation and they dismissed my hardship concerns. They would not help in any way. I received a letter prior to my call saying, "We're here to help if you need assistance or anything. We're here to help." That is false!!!! I called again at a later date thinking it was just that person and again reached the same person that dismissed my hardship and said there was nothing they could do for me. I have never been late and still am not late on my payments. But I on top of this corona business have a very dire circumstance and he just didn't care or even want to try therefore I would not recommend this company to anyone.

First off - would give them 0 stars if this system would let me!! Here is what resulted from my first 2 calls to them - since the dealer financial rep provided me 0 assistance with how to title my vehicle in PA after purchasing in Ohio. Plus dealer financial rep acts like they are giving us a Deal at 5.99% interest rate while both my wife and I have 850+ credit scores, after sales manager tries to pull a fast one on me, but fortunately the only ethical person at the dealership, my salesman' had my back. My messages to Chrysler Capital after 2 phone calls failed to provide any meaningful info.

Santander Consumer USA has been nothing short of a nightmare to work with. Not only is their online portal impossible to use but their customer service through the phone is non existent. Forget about trying to sign in to pay a bill online, Santander simply tells you that your account is blocked and that you will need to call customer service. Once you call customer service you will find that they simply are not open in the business hours that they list. I'm in awe trying to wrap my head around how this company is in business. Just the worst experience I have ever had in bill pay. Terrible.

Friday, 20 March 2020, my wife, Sandy ** called Amazon customer service. She talked to a man who called himself Mike. Told her he would have to call her back. He did. He had a heavy accent, sounded Indian. Sandy was seeking a refund, $500 refund for a transaction she did not make. He told Sandy he could take care of the refund if she would allow him to access her computer, and her bank account. He would simply add the amount to her available balance. Said he would split the amount into two entries.

My auto loan was just purchased by Santander. They are not only unclear as to how to proceed and I can't log in with my account number or SSI to create an account. I call and there are over 300 calls in queue. I am floored that I cannot do live chat or get help online without logging in. I am going to pay off my car so I don't have to pay them a dime of interest. Awful shame on Santander.

Customer service sucks. They offered an estimated pay off by 3/6 but I didn’t removed the letter in the mail until 3/13. They have horrible communication. When my previous loan company sold It to them. I’ve Tried talking to customer service And they are useless.

When we were selling our house, our realtor contacted the bank to get the pay-off amount. They were unable to get that from Santander in a timely manner, so we personally went to the bank, the day before the closing on our house, to try to get the payoff information. We spoke with the loan officer, and even she was unable to get the information from their main office!! It was the worst experience we ever had!!

They Knew. I did communicate with their customer service department about the sudden lay-off that happened on 01/29/2020 and yes just when this coronavirus took over the world. My company struggled to keep workflow and 9 of us in one-day were let go. I called because my intention wasn't to just write it-off. We are in tax season for God's sake and did explain I would've covered whatever fee owned as soon as I would either start working or receive my credit. Whichever came first.

First of my interest rate started at 24% and called to ask if I could send part of the payment and then send the rest on the next payment. And they still charging me 59 dollars for a late fee and it's hard for me to get my car refinanced so do your research. No matter how desperate you need a car don't accept any vehicle the dealer comes to you with and watch out for Santander. They don't have discounts for veterans. I wish I could get out this financial auto loan. They suck!!!!

Don't get into a deal with them, and sign your life over to them, they don't care about their customers AT ALL, I've gotten hit by another driver, was put in the hospital, my car was TOTALED and almost lost my life. You think that they would feel something for me going through what I was going through, they would help, even on my bed rest, I've pushed for them to get paid to pay the car off, they DON'T care ABOUT NO CUSTOMER, They were only concern about the payment, and they don't communicate with each other, in Any department, they NEED better customer service skills. I've been down for 4 months, my payments continue to go up, even though I was hospitalized.