Santander Consumer USA Reviews

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.

Leased a 2018 Dodge Journey in June on 2018. Decided to turn in a couple of months early (Feb 2020). Got a deal on another brand. After returning journey (bad experience at dealers) I had to contact Chrysler Capital to find out lease pay off (2 remaining payments, disposal fee, taxes, over mileage charge). Was told 1300 dollars. Ok paid that day, next day received letter saying I'm liable for 22,000 dollars because I turned the car in early. Called chrysler capital again, after hour on phone, was told that I would be liable for the difference between what the car brought at auction when it was "disposed of" and the residual value. You guessed it that could be thousands of dollars. Oh on the bright side if it brings more than residual value I get a credit. Yeah right. Still trying to get this resolved, and selling dealer has been no help. Never finance or lease through this company.

My relative is terminally ill and under the care of hospice - they are dying. They needed bank statements to complete necessary paperwork. They were told the fee would be $432 - this is a person unable to pay for their meds and relying on family. They explained their situation and were told that they would need to get the state to fax over documentation or they would be charged this high fee. We had to involve an attorney to get my relative their own bank statements. Two phone representatives were kind but clearly under-trained, one mocked and taunted me on the phone. We are considering reporting the entire incident to the Elder Affairs department in our state. We were advised this is not legal.

Stay WAY away from Chrysler Capital... They will bend you over and you know what! Interstate rates through the roof and customer service reps & managers that are cold as stone! Will NEVER have my business again.. NEVER!

I call and got a customer service rep from St. Lucia on the live. She was very rude and denied my request to speak to a manager. I asked for documentation to say I can not make a principal only payment. I have never heard of this with any loan company before but this one. I think it horrible business practice if someone wants to save on interest.

This bank which id's itself as a "store" selling what? They do not permit bank managers to have ability to respond to questions, all referred from Phila. to IL to the worst outsourced firm to give wrong answers, promote red lining, to refuse to accept payments during grace period without getting a fee. etc. including attempting to ruin credit overtly, w/o cause never missed or late in over 10 years!

Purchased a vehicle 2014 Jeep Cherokee from the dealership. Was told at the dealership I would be financed with a credit union. Received a notice in the mail that Santander would be financing my car instead...called my first payment in and they gave me confirmation numbers and thought I was good to go but it didn’t go thru. So, when I did make the payment again, now it’s saying I have an additional balance added to the loan $246 ... This showed up in my credit report. They are a rip off and interest and off the charts. Vehicle cost $16,000 but got me owing $29,000 and adding to it somehow.

My car was repossessed and I was given a deadline to make a payment to get the car back. I made a payment to get my car back on a Monday and was told to call the yard to schedule an appointment to pick up my car. When I called the company on Tuesday to get the car I was told that they weren't in possession of the car since Thursday of the previous week. I called Chrysler back and only then did they tell me that the car was sent to auction!!! They promised I would get the car back on Wednesday as they had put the ball in motion with the transport company. They told me to call the transport company on Wednesday morning. When I called the transport company they informed me that Chrysler hadn't released the necessary fees to them in order to transport the vehicle back to the designated yard. They advised that I call Chrysler back.

Run, don’t walk! This company is money hungry and they do not care about the consumers at all. I haven’t missed a payment since the day I financed my vehicle in 2017 & these people have the audacity to refuse a request to defer my payment this month. I’m going to work with my bank to get rid of this loan note. I never had any issues with NFCU. The customer service was always great too! The rep I spoke to today acted like he didn’t care at all. Just stated what they won’t do instead of providing options. I said “okay, that’s fine” & hung up. The interest is too high for this vehicle anyway. I always pay two weeks earlier than the due date. Don’t waste your time with this company, go elsewhere to find a loan company that has compassion for the people.

This company is the worst! I had made all my payments on time for over 3 years and then lost my job for 10 months and was struggling to keep my car. They sent a letter that said to contact them to see what options I had for assistance. I did and all they wanted to know was when I was going to make a payment. Then I spoke with a “Supervisor” that told me what to do to keep my car from being repossessed, so I did it and she told me to call back and tell them I wanted to be transferred to the Assistance Team. I called back and it was like pulling eye teeth to get transferred. Which never happened. They are rude, smug and downright the worst ever! Never again with this company!

We closed a Santander HELOC (never used) when we closed on the sale of our condo more than five years ago. Nevertheless, Santander keeps sending us a yearly HELOC bill for $195. Again, this is on a property we no longer own for a HELOC we never drew upon. Santander found our new address through the post office and are now continuing to harass us at a new address -- again for a closed out HELOC (TD Bank took care of our closing papers on the sale of the property and assured us Santander received their signed form).

I bought a car last year and traded it in in January 2020 for a car from the Toyota dealership I work for. Santander owed me a $1,500 refund from a warranty that had been cancelled since Oct 2019. They fought with me over the phone and over the chatlogs. They refused to refund me despite the contract and official documents from Easterns Automotive Group saying specifically that money would be refunded from the dealer to Santander and that check would be sent to me as soon as two weeks.

This is the worst company ever, do not ever get a loan with them. Big rip off, don't care about you. Just out to ruin your life, they really need to close for good... Very saddd!!! If looking for a loan please go somewhere else, All this company do is RIP off people.

I took out an auto with these guys in 2015, I had a good-paying job and my mom took out a joint loan from them because that's what we qualified for. My mom had already a house she was still making satisfactory payments on, but only this bank approved a lower price. It was the first time I and my mom actually bought a car from a dealership because she likes older cars, I like newer. We went to the dealership. Sign the papers, honestly, I regret signing things from only skimming over the page, because it was a lot of things we didn't need that was added to the loan. Santander didn't put a payment on my account for two months straight, I called them and they told me there were no payments due, I offered to mail it in they said its okay. By the third month, these crooks said I owed roughly $900, I went bizarre, but because I needed the car I paid it.

I have had a loan on a motor home since 2004 with never a late payment. Due to the timing of my paycheck I requested a due date change in 2012. Timing of my paycheck has changed again and I requested another due date change. My request was denied. I went all the way to the executive office with my request and was told one one due date change could be done during the life of the loan. They will grant 8 payment extension but only one due date change. This seems to be very poor customer service, with rules written in stone and no required to the individual needs.

I have had my auto loan through Santander for almost three years now. I have recently been going through medical problems and had to go into rehab. When I asked for assistance in helping to keep the loan current for a month and a half while I get back on my feet, and to keep it off my credit report they denied me flat out. I have never had a loan company so unwilling to help you at all when your in a dire life situation.

I am a victim of the Woolsey Fires in California, let's just start there. Needless to say after losing my home and all of my possessions I was a tad out of it. As soon as my homeowners insurance began to give me trouble, I reached out to all my creditors to alert them of my situation. All of them except Chrysler offered me some type of payment arrangement. So I continued to make my payments ON TIME and in the midst of my family's crisis I forgot to make 1 payment by the due date. I called within days of due date to make payment, they had assessed late fees and refused to remove them. I begged them and explained my situation but refused to take fees off.

Do not I repeat don't get a car from them. They are terrible. Will not work with you at all. Deferred payment out they will come up with every excuse in world to deny you and overtalk you. No empathy with clients. None at all. They refuse help anyone. No matter what after giving you third degree and drooling you to say, Denied we can't help you." I will never deal with them again. BEWARE.

against this company. I looked at the reviews just to see if they had starting to do business in a truthful fashion. From the looks of these reviews they are still in the business of being crocks. They are really some dishonest people. Even when you pay on time they still come up with a reason to cheat you, "yes CHEAT" you. CLASS ACTION LAW SUIT!!!! Let's do this

To start this off, I first got an auto loan with this company about a year and a half ago. It's the company the dealership chose for me. Up until November of 2019, I never had a problem with them. That November a deer ran out in front of me, and I hit it. My insurance company ended up totaling out my car, and sent a large payment to Santander. After that payment I would only owe a little over $900 on my auto loan. After the big payment was processed, I called their customer service to see if they could add to my loan, or lower my monthly payments if additional money couldn't be borrowed.

I went to the bank the day before Christmas to deposit a check then I was told the check wouldn't clear until the day after Christmas. Then on Thursday the day after Christmas I was told there was a 5 day block on my account from the fraud department at which time I requested that they just call the bank the check was with and try verify the check. They put in a request and then didn't try and on the 5th day a Tuesday New Year's Eve I was told that I was told wrong and that the funds wouldn't be available until the 3rd which is my wife's birthday. Me and my wife both took our vacation time for the first time since our 3 children who are all 7 years old were born. This has been a horrible holiday when I could have just went to the bank the check was with and cashed it. I'm so hurt.

I had experienced a loss after Hurricane Harvey, and I financed a vehicle from CarMax through Santander in October 2017. It was a 2015 Infiniti Q40. I had no issues until that vehicle was in a car accident and totaled (July 2019). My situation was a bit unique because my insurance agent at the time did not do his due diligence to ensure that my plan had no lapse, so my total loss was covered under the agency's supplemental insurance. Now I communicated all of this to Santander, every department that contacted me, yet they stated that they had to "repossess" my vehicle to ensure payment, even after I had the insurance representative contact them to communicate that the claim would be paid. Santander continued to charge me miscellaneous fees. I still moved forward with following their instructions but they became dismissive as soon as they "repossessed" my vehicle.

Chrysler Capital is unwilling to work with you no matter what your situation may be. I’ve had a loss of income & have inquired about a loan modification & the only thing they say that they can do is set up a payment plan to bring my account current. I received a letter from them stating that they may have an assistance program available to me. Upon calling & speaking with Marcus on 12/26/2019, he repeatedly stated the only thing that is available to me is a payment arrangement which would require that I make a payment and a half until the account is current. **Keeping in mind that I lost my job in August & I have been attempting to work with them in regards to my account.**

Let me just start this off by saying this is a very crappy company. I was in a bind for at least two months and I called in to ask if there was anyone who could help me because I didn’t want to lose my car. EVERY TIME I called in I always got a nasty rude service representative and I have never in my life not cared for a company like this one. Needless to say my car got towed. I had 10 days to pay the full amount off (which I did) and I call in the other day to see if they received my payment. I was told yes then was sent over to another customer service agent and was on hold for 30 mins!! When I got on the phone I was told that my car was took to the auction place which was not supposed to happen till my 10 days was up!!! I was pissed.

No joke! Don't get me wrong this place offer financial help to anyone just like every bank will do. These guys mainly target those who in desperate needs like low credits and all that BS. Even if your credit is average they will still hit you with a very high interest rate. At first I didn't want to believe what other people say about this company. 10/10 only bad feedback experience from people I know! Instead I gave it a try. Felt like I got no other choice. I can't see how some gave 5 stars to this company? Am I missing something? Or maybe depends on the amount you're dealing with? I don't know. But I here to share my experience with these guys.

Just made my last payment on my Nissan Altima. Thank you to Santander Consumer who took a chance on me 6 years ago when my credit was crap. Over the years, I stayed current and my credit went from the gutter to shining bright. I’ve had a few loan companies who’ve been an utter nightmare to deal with, but my experience with SC has been very positive. I’ll come back to Santander Bank for my next car loan!

Upon deciding to buy a new car, the dealer suggested using Chrysler Capital for financing in order to get all the incentives available. From the beginning, we have had trouble with this company. We never received a payment book/bill from the company. Upon calling them, they said they would send out another bill. We never got that one, either. When we called again, it was discovered that they had our address wrong this whole time. By now, we are one payment behind. We make the payments and hope for smooth sailing. Several months later, we get a bill saying that we are behind one payment, so we owe 2 payments and a fee because our check didn't clear. Our bank checked into the problem. It seems Chrysler Capital had keyed in our account number wrong, so the check came back because the account couldn't be found. So, the mistake was on Chrysler's end.

Santander disabled my account so that I can't get into my account. I filed a bankruptcy but did not include them in it but they still disabled my account anyway. My lawyer sent them the paperwork they requested but nothing has happened. A friend went thru these guys and he had a terrible experience with these guys also. They seem to be on the shady side. I don't recommend these guys at all. Don't use them if you don't have to.

My vehicle was paid off and my account was paid in full and there is an overpayment on the account. I spoke with Santander and asked when I will receive the overpayment as a refund. I was told that it can take up to 45 days to get the refund back from them. I completely understand having to cash the check and everything but it's just like any other bank cashing a check. There is a limited number of days it can take for it to clear.

I have been with Santander now for over 4 years. They are the worst finance company I have ever had. I had damage to my home by hurricane Harvey that was not covered at all and our state of Texas was a natural disaster area. Not only did they not offer assistance, but because I used the limited extensions that they offer no other programs were available. They close out any complaints or concerns that are emailed in writing saying to contact customer service which shows the level of unhelpful behaviors the company has.

I made my payments on time for the past 3 in a half years of having my car. Ran into a one time hardship and they refused to work with me. Asked for a deferment for one month. Was put in hold only to be told no. They just wanted to give me an extra 5 days to come up with the money I told them I wouldn't have for another 30 days. I guess this is how they treat their loyal customers. Will never finance a car through them again.

I never missed a payment with this company and was always on time. My father recently passed and I received a life insurance settlement. I decided to purchase a different vehicle and trade the car the loan was on to the same dealership I had actually bought it from. Where the loan was actually acquired. The payoff was $11875... Fine. I wrote a check to the dealership for that amount and the extra to completely pay off the new vehicle. That dealership was in charge of payoff to Santander and to acquire the title from them. Again fine, shouldn’t have been a problem. About a month and a half later I started receiving calls from Santander and upon contacting them back I was informed my payoff was never made.

Santander customers services do not listen to nothing you or saying even the supervisors or just as slow as the reps. I made 2 payments on my SUV. I called to get one of the payment reverse. The rep say, "I see you made 2 payments but however I still need your bank statements on both accounts" which did not make any sense if you see both payments. Once I'm done I will not recommend them to no one.

This company is not one to go with. They take advantage of people who are down on their luck and have no choice, but to finance through them. I have tried numerous times to change payment dates (not skip) and they refused. All I want is a company who is empathetic to customers. Is that too much to ask? I think not, but Santander Consumer USA obviously does.

Customer services is slow to reply, doesn't answer your question, refers you to phone support and gives you the wrong phone number and hours of operation, and generally is awful. It's a miracle they're still in business.

I would like to warn consumers about dealing with Santander Consumer USA concerning your auto financing. I tried to get assistance for a natural disaster (Hurricane Imelda) that occurred here in Houston, Texas and I explained to the assistant that my area was declared a FEMA disaster area. Then the conservation quickly turned around towards me and how I am not getting assistance. Now to my knowledge, the federal government tells companies that in a disaster area to assist their customers and provide help with their situation. Santander Consumer USA is a greedy company and I recommend to not give them your money or do business with them.

I bought a boat in 2006 while a resident in California. I have since moved to Colorado, and in July, sold the boat to a local couple. I have been trying since that time to get the title to this boat/trailer from Santander (4 months). Because California does a paperless title, it is required for the original lienholder to file a ELT 227 form to request electronic title. Santander to date has not done this. I have called daily, I have lost time from work. At one point in this I was told by Santander I could go to California myself with a REG227 form that was notarized by them and obtain paper title.

This is a terrible company and if I could give it 0 stars, I would. If you like to sit on hold forever, deal with disinterested customer service people who could care less about you or your issue, and enjoy dealing with a company that operates with zero sense of ethics, then Chrysler Capital (it's really Ally Financial in disguise) is the company for you. I turned a lease vehicle in 7 months early and replaced with another vehicle leased through Chrysler Capital. I was nowhere near the end of my mileage, but started receiving offers in the mail from dealers to turn the car in early, so I did. The dealer agreed to cover my remaining lease payments as part of the deal.

I have been dealing with this company going on 4 yrs. I still owe the same amount I did 4 years ago driving the car off the lot. I took notice each payment I made that more than 70% went to interest rest on principal. There were times the whole payment went to interest regardless if it were $300 or $600. It's irritating because I was always told after the first year or two you pay more into principal but was never the case. If you are late 1 day they charge you $15.94 plus report you delinquent to the credit agencies. Sometimes it was reported back to back making my score drop 33-45 points at a time. This business cares only about themselves no matter how much they pretend to act like they are trying to help. They deferred payments for me which meant 2 payments I am behind got added to the back extending my loan each time adding $100 + $15.94 to it.

We got stuck with this company due to never having made a big purchase and since we needed a new car it was the only option we had. The first 4 months were great but then they turned into a nightmare. Now all they do is lie, give the run around, call constantly even if you aren't late, everyone has a different answer for one question or one problem and when you say that another person said this answer then they say, "Oh no this is what it is." I will be glad when I can get out from under this company.

We purchased a car. The loan amount was $25,000 with interest $29,400. We have paid $39,679 to date. They came a repossessed the car saying we still owe 5 payments. Totalling $3,286 that doesn't match payments.

My car was considered a total loss during the October 2012 hurricane Sandy. I however chose to take the salvage value of my vehicle a total value of $700. State Farm paid out the entire value of the vehicle less the $700. I was partially upside down on the loan and made subsequent payments well into 2013 to cover the $700 and the difference on the loan. I was sent my lien release all paperwork and eventually sold the car. Everything was accepted by the Dept of Motor Vehicle, NY and I was off on my way.

Absolutely horrible experience!! I read on this site about someone being a month late - 1 late payment on their car loan/lease which is what happened to me only because I was sure I was on auto-pay...Not like the previous entry who had a “good” experience and their lives moved forward without being compromised, I just got off the phone with Blanca /account executive (?) who has DECLINED to give a one-time goodwill late removal on my account. Chrysler proceeded to submit my one - late payment to all 3 credit bureaus, my FICO score has dropped over 45pts!!! And this is the very FIRST time ever I have had one late payment due to thinking I was on auto-pay!! Ever. I’ve had “exceptional” credit for over 45years.

Santander didn't want to work with me on payments. They refused to give me information I needed on my loan. After I was just 2 months behind, with intentions of paying what was past due, they CHARGED OFF my account and closed it without notification. Santander has not called, no voicemails, no emails, nothing. I would highly advise against anyone using santander.

In May 2019, I financed a 2019 Ford Escape through Santander Consumer USA. Fast forward to July 12 2019, I was robbed at gunpoint while at an ATM and forced to empty out my bank account. I was subsequently beat and ended up being in a coma. It was so bad that evidently, my family was advised to prepare for the worst as they didn’t think I would regain consciousness. I awoke on September 18, 2019. I was kept for observation and was cleared to return home on September 26, 2019. I retrieved the vehicle from impound on this day as well.

Santander charged me a $25 returned fee twice, because allegedly I didn't have enough funds on my bank account. I had more than enough money to cover for the payment and they basically blamed my bank. After I talked to my bank they told me Santander did not withdraw the money on my due date (For no apparent reason), but they got the money a week later, since it was late they charged me the first fee, after Santander had the payment a week later they tried to run the payment again triggering another late fee, at this point I talked to my bank and I asked to put a block on Santander charges.

We are financed through Santander for a car loan, unfortunately my wife was in a bad accident. "Not at fault" and insurance and Gap didn't cover the full amount. We needed another car asap and did so fairly quickly. We tried working with santander but they wouldn't work with us on a better payment plan so that we wouldn't fall behind and hurt our credit. They didn't seem to care too much and pretty much said, "Too bad." This is bad business to not help when things go terribly wrong. We want to do the right thing but they don't have any empathy towards our situation. This Bank only wants to take advantage of people and cares only about the money.

I purchased a 2011 Kia Soul in 2013. Financed around $13000 on a 72 month loan. Fast forward 72 months, have paid $23000. That is not the interest rate that I signed up for but I was told that I had fees due every month, or the payment was wrong or the 'simple interest' was building. Whatever, they are criminals and need to spend time behind bars for theft. After the 72 month loan was paid, I expected my title.

All of the local Santander branches in my area were transferred to another bank. According to the website there are no longer any physical branches in the state of PA. Prior to the switch over I was notified. I am the custodian of 2 savings accounts for my children. At no point did my children receive notice of the switch over, informing them of any required action they must complete prior to the change (they are now 18 & 20).

I had to get a loan with this bank after my previous car was a total loss from an accident. I did not expect my car to be a total loss, I just wanted it fixed and go on my merry way. So with that being said, when I had to get another car this bank was the only one to offer me a loan because of my credit issues. Now I don't have a problem with paying a higher interest rate but when they start to double dip on 1 late fee that I paid like 3 times I have a problem. They keep telling me that the funds were not "distributed" correctly. 1 year later they keep trying to get me to pay the late fee that was already paid. I seriously can't wait to refinance and get rid of them.

I just started my loan with this company and deeply regret it. I have made 5 payments now on time and have even paid more and realized that MAJORITY of the payment being made goes mostly to interest and principal..so I am paying roughly between $3-$10 on my payment. When I complained, I was told that they start charging approximately $6.00 a daily for interest. I was like WHAT? That is a total rip-off. Why would you charge people DAILY? Especially when they make huge payments and on time? I am looking for another company to carry my loan..they are ridiculous!

Santander Consumer USA haha funny. All who answer are from India but anyway after my car accident my car was totaled and Santander release the title to the insurance company in August yet in September they took a payment out of my account. Even the insurance company had sent a check for a payoff, and now they been having my money for 5 days and won't return it. Oh when I called Farley ID # ** said I still owed $ 600 which is a lie because the payoff was paid in full.

In all honesty, I cannot glorify Santander as other reviews have done. I am have a car car loan through Santander. My car was totalled in accident due to no fault of mine. My insurance company sent a payoff check which Santander agreed on. The check was sent and Santander cashed the check 2 weeks ago. They have yet to update my account as paid. As a matter of fact, they are still taking monthly payments out for a car that has been paid off and wibr release the title to the salvage. In a short sentence, they ×re pai# 6534 for notching more than to put in their account and provide nothing. I will not be able to get another car because they won't close out my account.

Their interest rate should be illegal point blank. Period. I’ve paid on my car for a year and I still owe what the original price the car was purchased for. The customer service are a bunch of liars just point blank. Period. The company is a RIP OFF COMPLETELY.

This predatory company waited til I made my final payment on car loan to deduct "misc" fees prior to applying to my principal balance leaving a past due amount of $5.87. FICO score dropped down 43pts.

I really need some help understanding this math. I fell a little behind. I took measures to try to catch up which to me made sense. Now first month I was told that 2100 was due. So I paid 1800 because that is what I could afford and that is still a lot of money. (It's a Ram) Now total due 2100 - 1800 should be 300. So In my head I figured they would add that 300 to the next month. Naively the next month I sent 1000 which is approx 230 more than my payment. So I figured I was sitting ok. I get there is interest yes and a $45 dollar late fee. Ok so I figure 70$ Plus the $45 Late fee and a little interest on that no problem.

I have been making payments for years. Some on and some off due to my finances not always being the strongest, but there have been times when family has helped me make payments and get back on track. Then only recently, I’ve been trying to really push to get caught up and I owe way more money than being a few months behind but more like 6 months behind, I should only be 3 months behind. Idk how the hell this has happened!!!! Their numbers don’t make any sense and my principal balance has never once gone down!!!! It’s stays the same!!!! $23, 023.78. I’ve yelled at Santander so many times I block their calls, they harass my reference call list.

HORRIBLE COMPANY! Bought my child a car and financed it through Santander. Soon after we did a reorganization of our finances, (ch. 13 bankruptcy), and Santander took away our online account and refused to send us monthly statements! I have no way to access our information so I have no idea what’s being paid where on this account! I can’t let the car go back because my child is using it! Also, I called to find out our balance and it seems like they haven’t applied one of our payments! I’ve never missed a payment, and am actually a month ahead! This is the WORST COMPANY EVER!

If I could give 0 stars I would! My husband bought a truck in August 2013, sticker price, tags and everything. When it was all said and done was just under $13,000. He was in the military at the time, and they knew that so he should've gotten the 6% interest rate but he did not. Whenever he called it took hours and nothing was ever solved because they didn't ever have any answers. He kept asking what his interest rate was and nobody could tell him. We went to our local State Credit Union and they didn't even know what to tell us when looking at the information.

Have an auto loan with Santander on a 2014 Altima. Husband had a stop payment in place through our bank. He had forgotten this. So every time he made a payment, it wouldn't go through. Last night a tow company shows up at about 9pm. We realized what had been going on. He removed the stop payment and immediately paid Santander $1800. He did this with the two tow guys standing there. They were more than willing to "drop the car" if he paid and Santander gave the thumbs up. So of course, after he paid, story changed. Since it was "after hours" nothing could be done. Santander took the $1800 and the car.

They call me and said that they could offer me help on getting our car payment fixed if I made payment the next month before the mix payment was due. They came and got the car and then when I tried to call them I got the runaround. Was hung up on and told lies about the conversation that I had with their employees on the matter. Never use them. Other companies do not take you money. They will work with you.

They have terrible loan service. I had a loan with ALPHERA Loans and Santander bought the loan out from them. I had automatic withdrawals being taken out for 48 months with Alphera and when Santander took over the loan they only said that I had 13 months of loan left so they took out the payments for 47 months and did not notify me by mail or email that one more automatic payment needed to be made..? They finally call a collection agency and I make the automatic payment but it was now 36 days late. My credit was destroyed. It went from 810 rating to 705. I never made a late payment in 33 years. I spoke with executive branch and they said too bad nothing we can do. Don't use this company for loans. They will destroy your credit for seven years because of their incompetence. Don't use this company. Use a real bank that you can understand what they are saying on the phone. Don't care about people.

If I could give this company zero Stars I would. I bought a 2014 Kia Sportage and the sticker price was 16,000 when I got the car. Fast forward to 2019 I've been paying on this car for about 4 year and I still owe $13,800!!!! How have I made almost $20,000 in payments on this car and still owe that much!!? I just let them take my car in a voluntary repossession. If you get approved with this company run!!! Also their staff is extremely rude. They treat you like you stole the car off their parking lot!

Chrysler Capital is a complete joke of a company. First their interest is extremely high. My husband ended up getting Heart Failure and was told he couldn’t work anymore. We applied for Social Security Benefits and ended up hiring an attorney to help us. We let them know exactly what was going on. We paid everything we could and fell behind a little. We then received a letter stating that we could call and work it out with them and they were “here to help.” We called and not only were they completely unhelpful they threatened my husband. My husband unfortunately passed away unexpectedly and I am still getting threatening letters although I am less than one month behind. If I could rate them with zero stars I would. Had we known how awful they were we would’ve gone somewhere else. Save yourself Stress and Headaches and find a different financial company. Run don’t walk away from them.

THE ABSOLUTE WORST POSSIBLE COMPANY. Got a loan from them when I financed my car. Worst decision I've ever made. My payments when I first purchased car and paid earlier than due date, were sometimes completely going to interest. I called and called about this. Did a report on this. Nothing. My car was recently totaled. They have been all but helpful and as slow as possible getting in all necessary documents to my GAP insurance company. Now that my GAP insurance sent them a check and they received it (on Aug. 6th) they still will not post it to my account, yet my interest is accruing. They wouldn't pick up the vehicle either despite the fact that I am continuing to make payments on it.

I have found their customer service, while accessible, does not offer customer friendly solutions. I had a mortgage with Santander, and they made the pay off very difficult, and did not send any acknowledgement that the loan had been paid off. It took multiple contacts to get any help, and in the end the bank required that someone be home during the day to sign for such a letter (though their statements came in regular mail). More unnecessary inconvenience.

Absolute worst banking I have ever had to use! Do not come here. My contract did not state things and then at the end was completely blindsided. Talked to customer service twice a week for a month trying to have them figure out why they didn’t have it on my contract and they said, "It’s not up to us to go through the contract!" When I’m literally paying you for the next 6 years and you're making 10,000 off of me absolutely disgusting. Do yourself a favor and run far far away.

Santander is an excellent bank. No hidden fees. Great rates on investment accounts. Convenient and online access 24 hrs a day. I would recommend Santander over all other banks. I’ve been a customer ever since they made the switch.

I am in limbo with this company. Have called them for the past 6 months regarding my account to ask when and how the process works to receive my car title after paying them for 72 months payments of $750.88 plus interest of almost 25%, $10.95 Western Union convenience fee equaling over $55,000 for a 2007 Chevy Tahoe. That matured/ended June of this year 2019 and called regarding that and t. I learned in that phone call that I still have a balance of $12 thousand plus I still owe. At first I thought I was not understanding but yes come to know I did understand. I have called a few times after that to explain to them that I have reviewed our payment history and my numbers do NOT match theirs on my account.

Monthly service charges begin showing up after 10 years because certain requirements are not being met by one account. By the way I have 5 separate accounts with them and customer service is unable to provide alternate methods/accounts or modify present accounts based on my small business needs to prevent monthly service charges. They are happy to have my money in their bank to make interest on but do not provide customized service. Very template, non personal type organization. I will be looking into other banking options.

I had shoulder surgery back in May, and between the doctor bills and the time off of work and reduced work schedule I got more behind. I've been struggling as I go through a separation and financial hardship of preparing for shoulder surgery, for the past 14-16 months. After having my car repossessed I put together the money to get it reinstated, and to be able to get it back. That is when it became even more frustrating.

I was giving extra toward my payments each month so that was tanking toward interest and can't pay before due date or it doesn't go towards that month's payment. If I pay August payment 2 weeks before it's due that don't count as August payment and they put it towards interests. I have to pay twice in August so charging interest twice.

Clearly the 5 star ratings are coming from people who haven't experienced Santander's fraud and shark loan transactions because if they paid any attention to the news or Santander's complaints then they would know they've been sued recently for over 11 million dollars for adding outrageous interest rates and they were misleading a lot of their auto loan customers on their payoff balances while adjusting the loan terms that would have you paying 4 years of interest and 3 years of principal. Smh, not only did they lose in court in 2018 and was ordered to pay out the settlements but they have another class action suit pending for overcharging customers with GAP insurance that didn't cover a lot of people's cars who were in an accident.

I was approve for a car loan. Having no credit/bad credit companies like Santander Consumer prey on people and tend to make your life a miserable hell. I was approved for a lemon first of all. I got the car and it had problems once I drove it off the lot. Took the car back to the dealer and they said it was my problem. Car had a faulty ignition key and would never start sometimes. Dealer so called fixed the problem but never did. So, I drove the car for five years until I had a wreck. I wasn't able to pay the remaining balance until my check came in from the insurance company. I was financed for about 10-12k on a high interest rate. I owed under a grand and Santander reported my car a charge off. So, I talked to someone who said they would remove the charge off once I paid them in full.

In July 2014 I got a car loan for $40000.00. I gave them $15000.00 as down payment but my loan somehow was showing $40000.00. Bottom line is that 5 years passed and my account was showing $34000.00 so basically I only paid $6000.00 in five years. This is ridiculous and on top of that my car was repossessed about 3 weeks ago due to work is slow and I couldn't keep up with the payments, I don’t understand how someone can be paying over $900.00 a month for 5 years and the account still shows a balance of $34000.00. Does anyone knows if this maybe be an scam or anything like that. I really need help because I am sure that I will be receiving a letter saying that I have to pay for the balance???? Help help help.