Santander Consumer USA Reviews

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.

They are very understanding and flexible. I was having a tough time financially and they were able to work with me. They also accept several methods of payment which is very convenient. I would definitely recommend contacting them if your credit is subpar.

I have had nothing but constant resistance with Santander Bank. Previously with them dragging their feet on a refinance mortgage in reference to this HELOC. When I went for the remortgage after divorce they held up the process and I lost 1% rate difference. This time when I went to close it out at over ten years they want to charge $70 to close it out with already paying the yearly fee. This is a terrible Bank. Every turn they make things very hard. I say stay clear many others to research.

My daughter did not have great credit, needed a vehicle, her father co-signed for her, and I did not know all the details. Just learned that the interest rate for the 2008 vehicle which she got in 2016, finance by Santander, has an interest rate of 21%. This has got to be loan sharking at the utmost. Who else would charge such outrageous interest other than greedy people taking advantage of someone's misfortune. Yes, she has made the payments, not always on time, and only once thirty days late, yes which my husband took a hit to his credit. With that type of interest rate, she would have paid for the car three times what it was worth. I hope the BBB will look into their practice of such interest rates. People, please look elsewhere for your loans.

I got an auto loan from this company back in 2014. I will complete this loan this year on 2019. I have been satisfied with the loan for my vehicle. I was able to re-finance and get lower payment halfway through my loan terms because I made on time payment every time. As long as you keep up with payments I believe this is a fair company to go with on an auto loan.

Chrysler Capital plays hardball with loans. Go past due on their Car loans that always are equal to a rent or mortgage payment and they demand full price paid, NON-Negotiable. Refuse to look at issues with the car like non locking gas doors when the vehicle is locked where gas was being siphoned that caused me lost business. Dealer was working on it but Chrysler Capital did not care about circumstances.

This is the worst company in the world. All they know is what you owe them. I made every payment on time and paid my car of a year and 11 months early. I was due a refund for overpayment because they could not tell me my exact payoff. They sent me a debit card for my refund. Here it is 3 months later and they still owe me my refund for my gap insurance. The company sent them my refund on April 30 and all they can say when I call is it takes 8 to 12 weeks. When you ask for a supervisor they put you on hold and the same person returns to the call. They refuse to provide contact information to how to contact corporate office. The customer service is horrible when they owe you a refund.

I purchased my vehicle in Jan 2017 from a local Nissan dealership. I had challenged credit due to my spouse multiple bankruptcy but I did have a steady job and down payment. For the first 18 months bill loan was paid on time and actually before the due date. First issue was payment is due on the 7th of the month and you have until, the 17th to pay. However they generate the monthly bill on the 15th so if you pay it after the date within the 10 day grace period your new bill shows past due amount. I became unemployed but was still able to keep up my payments. I did contact them by letter and phone calls. When you fill out paperwork you have to give them name and numbers of 5 people that can reach you. At one point they contacted a relative I immediately contacted Santander and asked that they not contact this person

Pretty much, I have had the same experience as everyone else who has had an auto loan with Santander. I have been paying on this car loan forever. Of course like many other consumers we want to make sure that our credit is not injured so we continue to pay the monthly payment but the car loan amount barely decreases. You ultimately feel as though you are being scammed by this company. The representatives should be ashamed of themselves to work for an organization with such sketchy business practices. Not everyone is wrong who is complaining about this company. I am looking online to find a class action lawsuit to join regarding this company. It feels like you have been unknowingly pulled into a loan sharking scam. They should honestly be ashamed of themselves!

Beginning of 2019 I received a promotional offer of $300 to open a new account. New account was opened on Feb 1, 2019 with promotional code to go in effect 90 days after opening date. Unfortunate, fraud charges came through and I had to close the account and reopen another account in March 12, 2019. After I was told many many times that the promotion will still be applied to the new account and honoring the original date of Feb 1, 2019, it turns out that the information I was given by Santander Bank customer service was false and the original date of honor would be march 12, 2019. After waiting the 90 days after the March date, no deposit was in my account and called to find out what happened. They informed me that they were declining the bonus due to the fact that they saw a previous account opened in the last 12 months (the one opened in Feb 1, 2019 and closed due to fraud).

I requested a pay off because car was totaled. They told me an amount then when ins co paid and I paid the outstanding amount they billed me for more. This company and customer service sucks. I am getting a lawyer because they are ripping people off.

I had my identity stolen, and this person really went out of their way to be me. So I proved to Santander bank that a fraudulent account was opened in my name. Regardless of what I submitted, Santander is still holding me liable for the fraudulent account. These people don't care, they're evil and rude. Don't do business with them.

Do not make business with this bank by any circumstances, keep away from them. I paid off a car financed with this crappy bank, consequences? Did not report the payments. Even went far and report I owed them. They will ruin your life and credit and most of the time they'll treat you like a crap, they don't deserve their clients and really need to be erased from the business panorama. I am filing a class action against them.

I'm still at 13,000 for a car I've been paying on for 4 years a 2014 Chevy cruise! I needed a car at the time and wasn't as knowledgeable as I am now. I'm in the process of a voluntary repossession with them, I'll take that hit and rebuild because they are a rotten company! Didn't offer any help other than putting a payment on the back and switched a due date! If anyone says Santander approved you, RUN!!! Everyone has their day... This company will not last.

I myself have a horror story about Santander Consumer USA just like all the other reviewers and all I can say is RUN! Of course if everything in your life goes on perfectly fine and you can afford high interest payments every month for 5-6 years then this company is right for you. But if you're human and understand that something can happen to you in life at any time then RUN. They do not care about their customers, customer service representatives are rude and do not care to try and help you out.

I have paid all 39 of my lease payments, per my contract with Chrysler Capital. Chrysler Capital has failed to close my account and report my account is closed to my credit reporters. This company still has not closed out my account. They have made multiple errors on my account. This company, located in Mesa Arizona, has tried tagging on fees that they can't even explain the reason for these fees. My final bill was the final payment for SGS inspection of $175 and the $395 disposition fee, for a total of $570.00. I called on May 21 to make this final payment with the employee at Chrysler Capital Financial and also charged a money transfer fee of 10.95. My payment on May 21 was $580.95 which was a successful transaction.

They repossessed my car without calling me or sending a letter of intent. I thought my car was stolen during the day and reported it to the Sheriff's department. I called Santander and told them I wanted to reinstate my car for the moment and then pay it off after the first of the month (today is the 24th). That was fine with them because I have until the 14th to pay. I made an appointment for 10:00 on the 24th to pick up my personal belonging from my car. When I am picking them up the owner of the wrecker service where my car is told me that the car was scheduled to go to auction today at 12:00.

Made extra payments of $200 each month and they placed that money into a hold account saying I couldn't exceed one payment. My car payment is $500 a month and I had $2000 in their "holding account". I lost my debit card so I called up with my new card to make an one time payment. Representative took my payment and gave me a confirmation number.

Santander Consumer USA has provided me with outstanding customer care and financial services, they financed my Hyundai for a total of 20k when I was a temp and could not get another bank's loan. My credit rating was poor due to inquiries and high balances on my credit cards. They approved me. No income questions asked, assuming all risks, and even though they gave my a rate of 21%. Do you think that is high? Think again. Finance companies like United Finance and OneMain Financial will charge you 36% interest rate so it gets me when people say Santander is bad. It really gets me how unfair those folks are. If you want better rates be responsible, pay in full and have no collections, stop complaining for everything, be an adult.

Dealing with this bank is hell. They lie. Their practices are illegal, immoral and unethical. Prior to mom's passing - I had a POA. It took me over 7 hours to get them to acknowledge it. Literally, beyond 5 hours of phone calls - I had to fly to the Boston area from Orlando to get that done. Now mom passed recently. Her checking account implies there is another account - but - they won't tell me if there is or isn't - because the POA ends on the day of death. It was illegal not to give me that information during the time she was alive. I'm going through SANTANDER HELL!!!!

Where do I start? I have had a car loan with Santander Consumer USA since 2012. Paid it on time, for the past 5 1/2 years to ensure my credit remains good. I have actually stopped driving the car 2 years ago and had it in a parking, yet I kept paying it to avoid letting it mess up my credit score. Last summer I had a family emergency and had to leave the country, and in the process missed a payment on time.

I went with Santander because each year I could pay my escrow shortage in cash and any money I had extra could/would go to lowering monthly mortgage payment. This year same as always I go to pay it And they say, “Oh we’re not doing that anymore!!!” I have reached out to all dept with zero help. I wanted the issue escalated they wouldn't do it!!! They have worst customer service ever. Look up lawsuits on them I found 2 class action suits And multiple others. I am so sorry I chose them for my biggest decision in life. Shouldn’t I have been grandfathered in and allowed to continue. Does anyone know who governs bank mortgages so I can turn these morons in? Please help.

They would not change my due date when I stopped working. I was told they only for change it once. So now I was behind and had to play catch up. I was told that I had 10 days after the due date before I would be considered as being late. Anyway they told me a lie. I have been paying these people 5 years for a used car. They have taken enough of my money. When my husband said, "You should have been through paying for that car," that was my confirmation. They will not get another dime from me and they can come and get the car. I will take the bus. Santander USA are crooks.

This bank doesn’t even deserve 1 star. They have allowed a new employee in their CHELTENHAM, PA branch screw up my daughter’s business account and now while covering up what they did, they are making her wait for the error to be fixed. She deposited a large check from a client and then the check was withdrawn from her account not because the check was bad but because the new employee didn’t put it through the right system. She was told to by the bank to get her client to void the check and issue a new one. They put a hold on the new check leaving her in the negative because of an error they admitted making.

I cannot believe I just spent over 2 hrs online with my bank, and on the phone with Chrysler Capital payment center! Now I know that some of the reviews on Chrysler Capital are true! So, I see that my first payment due is for May 4th. No problem. I want to make a payment now rather than wait till then. Let's get the payment out early for the first payment on this loan. So, I go onto their site where my information is, and I choose the debit card payment selection. I put in the amount of the payment and submit it. Pretty basic right? I get a response that my debit card had been declined! I was baffled by this so I go onto my bank's website and go into a customer service chat.

First let me say this, I never gave a review on anything but I had to on this. Maybe it will help someone. I was with Santander for 5 years, things got rough and I ended up 2 months behind on my truck. I started doing better so I ended up 1 month behind. 1 year left to pay off my truck and they towed my truck!!!! I was unable to reinstate my vehicle!! They got their money from the truck and did care about anyone else. I was told to pay off 18k or refinance it. That was the only way I could get it back!! That really hurt me. My wife had just had a baby and I had to Uber around. They wouldn't even give me my toolbox off my TRUCK!! TRUST ME DON'T USE THESE PEOPLE. THEY ARE DEVILS!!!

For the record, signing the paperwork for this Auto loan was by far the worst decision of my life. But I made it. No one forced me to make it. So please know that I DO feel for everyone here... Worst decision of my life thus far made at 24 years old; I'm now 29. Also, I am on payment number 50. I put down 5 grand for a used $24,407 Ford Edge right after college (graduated in 2014) but had zero credit (not good/bad but just zero and 5 grand); this was the only bank that would approve me. I honestly didn't even pay attention to the paperwork I signed (MISTAKE #1). I was so excited to be working, making money, and to be able to make a purchase like this.

Even though dealer is saying that the lease was turned in correctly they are making me pay 13,000 for the sale of the car at auction. Dealer was at fault but not helping and Chrysler Capital did nothing to help resolve. They led me along with many false promises of help but nothing happened. They also made it clear they make exceptions and help other but wouldn’t help me. They are thieves and I would never buy from Chrysler again and will do my best to ensure anyone I know doesn’t either. Also writing reviews anywhere I can to warn others.

When I signed I knew to call to ask if my first payment was prorated (essentially two payments due your first month). I was given an emphatic no. Surprise, it was. I was given no help regarding it and no memos were left in my account stating I was told otherwise. Since then I've been playing catch up with my car payment and they are adding interest to the point I am likely to never finish paying this thing off.

Same story for me as the others. I paid my note in full and they say I still owe $6700 and change. We need a class action lawsuit! I have been this mad in 15 years! Had I known this was the deal I would have bought a freakin' bicycle!

Tellers are good, if you need any other service you have to wait long periods for no apparent reason. Service agents just sitting doing nothing. Overall poor service and not friendly. Suggest another bank.

I got a car loan from them for about 15000. A 2010 Impala. The car was worth probably half of what I borrowed. Had the car for almost 5 years. Even though I was making payments every month, they were applying that to interest-only. Every time I call to find out what the balance was Thomas the representatives would never tell me. Finally ONE honest rep told me what they were applying the payments to. So they collected over $10,000 from me over the five years. The car eventually died. The repairs were almost $3,000. So I told them to pick the car up.

My husband and I got a loan through them because we needed a larger car due to a baby on the way. We had numerous issues with them. Once THEY lost my payment. Even though we proved it. They said they were still going report it against our credit because the other department hadn't updated the computer. They also tried to claim we had to pay again. My husband and I ended up getting divorced a short time later. I voluntarily surrendered the car because I couldn't maintain the payments on my own. I owed about $7600 on it. They sold it and I still owed a little over $2000. It was turned over to collections. I arranged automatic payments to pay off the amount we settled on. I paid it off. That was over 3 years ago. Now my ex-husband is starting to get calls and mail claiming he owes over $7000 to Santander for that same car! They are crooks!

After making my March payment of 302.78, something told me to see what my pay off was, so I hit the button on the automated system to see how much I got left on my car payments. It said 10,297 and some change. How could that be when I have been paying for 2 yrs. My loan was for 11,000 and something. Ok, so I began to do some research on Santander USA and found all these review that was not good, how they were doing the same thing to me. So I came across one review that explains how they operate then you can make the right decision for you. This is how Santander gets you, whatever your loan for your car plus the interest then your car is paid off, but Santander gets the interest first out of your payment.

I bought a vehicle the end of 2012 and had a loan with Santander Consumer USA. My loan was for 72 months, which was up the end of 2018. I made all of my payments and had a few mishaps but got caught up with the payments. Early this year they came a repossess my vehicle telling me I still owe $9000. When earlier July of 2018 I was up to date with my payments.

I am at the end of my lease and made an appointment with Chrysler Capital to have a pre-inspection and no one showed up. I have since called multiple times and have spoken with several customer service reps and even a manager to schedule another appointment and I keep getting the runaround and told that someone is looking into it and will call me back, but they never do or have. I WILL NEVER DO BUSINESS WITH THIS COMPANY EVER AGAIN. They have the WORST customer service. I HIGHLY recommend going with another auto company when buying or leasing a car.

Can't get back an overpayment of $360. What a horrid excuse of a company. Stay away. After my van was totaled, it has been nigh impossible to get an overpayment for these people. 4 phone calls, and hours of time wasted, no dice. Awful company.

I leased a truck for my business. I was assured (spend three separate days, and multiple phone calls) at the dealership to their financing people, that this vehicle was going to be put into my business name and that it would not show up on my credit unless I did not make a payment. That was something that I was not worried about. From August 8, 2018 to today March 23, 2019 I have NEVER received a payment coupon from them. I actually forgot who the lease was with because their contact information was not listed on my lease paperwork. My credit score has plummeted from a 750 to a 507.

I used them to pay for a car back in 2013. The car was a lemon and I had to do numerous repairs on it and finally got behind on my payments and they repossessed it along with my clothes and briefcase with very important items in it along with my 2 firearms which none were ever returned to me. I wish I could file a lawsuit against them. I can't get another car because they are still on my credit report.

I bought a GAP insurance through Santander back in 2014, My car suffered a total loss in June 20, 2018... We are now March 18, 2019 and SANTANDER has done NOTHING but say I never bought GAP through them! I have countless withdrawals from them every month where they would deduct my monthly GAP PAYMENT. They are blaming a "3rd party" company now and say they never sold me GAP... Apparently they have "no record" of my payments YET I HAVE ALL MY BANK STATEMENTS and the LETTER coming from them in which they offer me the GAP insurance. They have demolished my credit score because they still continued to charge me my monthly car bills even though it was considered a total loss and THEY took my car! I lost a vehicle, I lost my good credit score and have lost thousands of dollars because of this company! STAY AWAY FROM THEM! RUN!

I was in the process of refinancing my house when unfortunately I could not continue. The mortgage specialist I was working with told me up front...if certain thing did not meet my expectations he would refund the fee that I paid. When I was not able to continue the loan I asked if the fee would still be refunded and he said, "Let me see if I can get this back for you." He made no agreement to give it back but it sounded like he was going to see if he could. I waited a week then 2 then 3 then I emailed then I emailed again then again. At this point I still have not heard anything back... Just another mortgage person working for a bank that could not care less if he is not making any money. I just want you to know I will not recommend this bank to anyone or your mortgage rep to anyone ever!

I bought a car that is financed by Chrysler Capital over 5 years ago. The original sale price was $17,000. I've paid $22,000 and still owe $7,500. The only reason the payoff is that cheap is because I've been paying as much extra as I can every month. The interest rate is 17%!!! That is insane. I was very young, no credit and no idea what I was doing. This is my own fault and lesson definitely learned. However, Chrysler Capital knows exactly what they are doing to people. They refused to refinance it. Even after 2 years and my credit was over a 100 points higher. They are nothing short of thieves.

I have been with Santander Consumer for 4 months now, I just got a Ford Fusion. I have paid for payments so far at least 20 day before the due date and it looks like every other month they take out more in interest every other month and less principal. And every time I ask them about they have a different excuse. They can't give you a straight, can't wait for the wall to be, because I promise you one thing - this speck's ** will be strapped to a rocket!

Anthony ** located in Mesa Arizona has been really good about working with me on my payments. Thank you very much. I greatly thank you. You are the best. Thank you for explaining how things work with payment.

My girlfriend got her first car and this is the only bank the dealership offered so she went with them. They didn’t contact her and tell her where to call or send money to for her payments. So when she got ahold of them they told her she was two months behind. We caught those up. My girlfriend had a miscarriage a little later which affected our paycheck and we got 2 months behind and a 100 dollars from a partial payment behind. She called them and told them she had the miscarriage and she would be late and the lady told her to make the partial and that would be okay. The day before we got paid to catch up the payments they sent someone to repo it and took the car. When my girlfriend called them to see why they did that the lady treated her like absolute **. She told us we were over 1500 behind after the total we were behind was 750. So it went up from 750 to 1500 because of “late fees.”

I have read hundreds of the reviews left here and was afraid to take a loan from them as well but did and haven't had any problems thus far. I called customer service and they told me that I was 1 out of 100 individuals who seem to understand how the interest is applied so I figured I would provide an explanation. So for simple interest calculations you have to remember that it is calculated daily based off your APR and remaining principal. So for example if you were approved for a $20,000 loan at 25% APR, 60 months term with monthly payments of $587.03 then your daily interest would initially be the following: Daily interest = (APR/ 365 calendar days) * Remaining Principal = (25%/ 365 ) * $$20,000 = (.0685% ) *$20,000 = .000685 * $20,000 = $13.7 each day (which is freaking high but bad credit got us here) which would mean out of that $587.03 monthly payment, a whopping $417.85 would go towards interest ($13.7 * 30.5 average days in a month).

Customer service is ALLOWED to provide misinformation to its customers only to find out you were misinformed down the line and to be told there's nothing they will do for you. I've had a contract for 3 years now. Once have I paid a day late in 37 payments yet I was told anything outside of my normal payment amount goes to interest. This wasn't true and it was applied to interest. The Executive Office is a joke and Steven ** wasn't at all helpful and wouldn't provide me with a manager stating he's the highest possible person I can talk to! How's that if you don't own the company and you're not at corporate? Extremely dissatisfied b Santander's customer service...or lack thereof I should say.

These people take your money every month with no problem. Spend 2 days running in circles because I was approved for a second car only to be told you had to trade my other in. Ummmm kinda defeated the purpose. Way to go to a poor banking system who gives no credit to the ones who pay them. Oh yea, let's not forget my total loan was amount is 42000 on a 25,600.00 loan, hummm. Stay away people. They're bad news!!

Leased a 2018 Ram 1500 in August 2018. Never set up auto pay. I'm old school and have all my bills mailed to me in paper form. I receive all my other bills in the mail EXCEPT for Chrysler Cap. Theirs are hit or miss. The first months bill never got mailed to me. But the first payment was made at the dealer at the inception of the lease. Chrysler Cap said when I called that the first time about no bill that I had a late payment. I pointed out the first payment made but they said the dealer always keeps the first payment. Huh???

I returned my lease in great condition, inside and outside, with less than 11,000 than it should have had by the end of the lease. I took pictures of the car before turning it in, as I always do. The vehicle was at the dealership for over 15 days before Chrysler received it. I then received an end-of year bill from Chrysler Capital with $1,300 worth of charges for damages my car did NOT have when I returned it.

Plain and simple. I bought a 2013 Ford Focus hatchback, my credit was decent around 570. Got a loan for $14,000 signed and drove off in my new car. Paid ON TIME without fail for 2 and a half years $370 a month. I began to have issues so I was going to try and trade it in or maybe refinance, so I call asking what the payoff is. It was over $16,000!!! Tell me how after over two years of paying without fail, I owe MORE than what the loan was originally for?!? 8 months later, they came and got my car last night as a voluntary surrender. After all fees, interest, and BS the total would have been over $32,000 for a USED sedan with 45 thousand miles on it when I purchased it. Makes no sense at all! I will never work with them ever again, and will tell every soul that will listen how horrible they are.

We had a loan with them for 3yrs. Went to try and buy a different car only to find out that they have not been reporting our payments to the credit bureau so we can't get a loan because it's showing they don't have anything to show we have an account with them for the PayPal. Worse place ever to get a loan. Thought we were building credit only to be slapped in the face with this pretty much saying we aren't building nothing. Will be reporting them to the BBB.

I have a car that is financed by Chrysler Capital, I pay USD 422.30 every month. I had set up Autopay from my checking account, many times, they say "they could not find my account" and using my Debit card of the same account I have to pay Ten dollars because it is paid by phone using an operator, and also the payment goes through the Western Union and they charge me another 15 or 25 dollars. So every month I have money in the Checking account, it is their fault "they cannot locate my account" and I have to pay an extra 25-40 dollars, and why is that so I keep asking them about this, to check my account, and their website always has this block at the end of the payment page.

Paid off and they email a letter showing the loan is paid off but they lie and claim a lien release was mailed 12 days ago. Multiple phone calls. All liars at this company. Today I tried to contact them and they hang up because it isn't a valid account number. NEVER use this company if you can help it.

Middle of Dec. 2018 I made a payment on a granddaughter's car loan. I gave Santander Consumer my account and routing numbers to them for only one payment. They took the payment and I thought it was done and over. Without permission on March 1st of 2019 they helped them self to another payment. Now I have to close my account at the bank and start all over again with with 40 bill pays and a lot of direct deposits...and of course they won't refund the fraudulent withdraw they took from my account!!! Run away as fast as you can!!!

Do not use Santander for your banking needs!! If I could give them a negative 5 star review, I would!!! I used them for a car loan that I did not need in order to establish credit in 3 payments but they screwed up majorly and I ended up paying it all off in 1 payment after being reassured multiple times I would have a remaining balance after speaking to the representative. They will not do anything to correct their mistake either. So unprofessional. Do not trust these people. They completely screwed my financial future up and they do not even care. Do. Not. Use. Santander!!!

So Santander bought out a loan I had on a boat back around 2008, my original loan amount was $32,000.00 with a 15 year payment. This loan is supposed to mature in July of 2019, Santander still shows a balance of $16,850!!!! How in the hell do I pay $358 for 15 years and still owe almost $17,0000??? This company will rip you off!

When opening up for a new account I was told that I would get a $275 bonus if I had deposits the equal to $1000 in the next 90 days. I reached out to Santander Bank, spoken to a male rep who told me it would be any type of deposits and when I asked where my deposit was at so far he told me $900 and some dollars. This was in Jan and I open the account in Dec. He explained that since I set up $50 bi weekly would put me at the $1000 limit in the beginning of Feb 2019. Feb 2018 I called, a female rep informed me that I did not qualify and I asked why and she stated I did not meet the requirement of $1000. Once I explained, she submitted a claim and told me to call back in 2 business days. I did, a female rep told me it was declined.

I have been with Santander Consumer USA for a car loan for 3 years now, only to find out they have not been reporting to the credit bureaus. Even though they have on their website that they report every month. And they charge you unbelievable amounts OF Interest. Now my credit is not worth a crap. Even though I have made my car payments every month on time or before time. Never late nor missed not 1 payment. And when I called them, they said they don't have to report. Now that tells me be very careful who you get a loan through!!! My Question is still...their website says they report every month to all 3 credit bureaus. But they have not mine. Is that legal?

I have had my auto loan from Santander for the past 3 years now, I have paid my loan on time and diligently for the 3 years. A little over a year ago I filed for chapter 11 bankruptcy and I protected my vehicle and loan from my bankruptcy, my bankruptcy has been discharged and now Santander refuses to report my on time payments for the past 3 years to any of the credit Bureaus. I took this extremely high interest loan as a way to repair my credit and they basically told me they don’t have to and won’t report my on time payments due to my bankruptcy so I pretty much got screwed by this fraud of a lender. STAY FAR AWAY NO MATTER HOW DESPERATE YOU ARE.

I lost my job (found a new one) and contacted this company regarding some sort of extension until I could receive my first paycheck from my new job. I was told yes, they would give me an extension. This was June 2018. My truck was repossessed in November 2018, on a Sunday night. I never received anything advising of my repossession. I checked my bank account and they had taken their monthly payment. When I called the company, I was told they mailed me a letter regarding the repossession on that same Sunday that my truck was repossessed. I told the girl that makes no sense. I NEVER received the letter, regarding repossession, by the way. I was told that my truck was repossessed because I was behind 2 months for payments. I told them that I was told I could have a payment extension due to me just starting a job.

They were there when no one else would finance me (or so the lazy girl in the finance dept at the dealership told me). I didn't have terrible credit - just over 600, had record of 2 previously satisfied car loans but yet this was the only company who would take me and at the low finance percent of 18% (still unsure if this is actually legal, I've never paid more than 9%). Desperately needing a car and just wanted to be done with the whole car buying process I agreed. When it came time to sign the papers I read EVERYTHING twice over, I was fully aware that my $18K car was actually going to cost me $30k over the next 5 years. It was a hard pill to swallow but I agreed.

I have had Santander for almost two years for my loan on my truck. Everything was moving along fine, until out of the blue, they decided to post on my account that I was 30-59 days late on a payment that happened almost a year before. So in other words, they waited almost an entire year before posting that I had a late payment. Yet that month was reported as in good standing up until that point. Which in turn, dropped my credit score significantly.

Leased a Jeep Cherokee 'Latitude' for 39 months. At lease's end, on January 26th, I turned the car in to an Albany [NY] dealer with four snow tires installed. Summer tires were in the car. Both sets of tires had more than adequate tread remaining. Car was within the allotted mileage. Just received a statement assessing me $600-. Spoke with two different people at Chrysler Financial. Both were sympathetic but said they could only waive $50- off the fee because procedure dictates that the car be returned with the summer tires installed, regardless of the season or the locale. Words cannot describe my frustration.

So, due to all of poor reviews, I was petrified when Fifth Third sold my loan to this company. I was on edge the entire six years of my loan and I just knew the company would screw me, so I said I would write a review once I paid off the vehicle. In actuality, my experience was not bad! I did not get screwed over! Of course, my note was paid early each month and the car loan was paid off in full. There was never a late payment. My payments were reasonable - but I didn't have a crazy interest rate to begin with. I did not have to call customer service much, so I cannot speak to that. The only reason I had to call was to see where my title was. A few weeks later I was told that my local DMV had the E-Title on file. When I went to pick it up, it was there, as they said.

This is absolute worst company to get a loan through. We had a bankruptcy that was cleared as Chapter 13. It took 5 years to get everything cleared up. Our trustee sent them a letter saying we were able to buy a car. Well we did and what a big mistake. We put down 7000 and we thought all was fine until they stopped us on a payment we do from our banking account. We got that straightened out then they threw us on bankruptcy. We never had them in bankruptcy so now they will not report this to the credit agency so now we don’t have any credit for paying this. Don’t deal with them at all.

We had our loan through Capital Chrysler and then refinanced with Summit credit. Summit Credit Union sent are paid off Amount for the vehicle on December 22 of 2018. Chrysler Financial sent me an invoice for my next monthly bill January 22, 2019. I called them to say they should’ve gotten the pay off amount from Summit Credit Union. One person tells me the check bounced interesting that a cashier's check from a credit union would bounce. Then they said it had insufficient funds. They said that I’d have to talk to Summit because it was their fault.

I am a new account and my payment was not due till the 12 of every month. I decided to pay 14 days early. On the check free option, I tried twice and payment never went through. So I decided to pay by debit card with a fee charged of 2.75. Well, that payment had no problem going through. So I think you should beware of the payment options. Also, be prepared for 90 percent of your payment to go to interest. I am stuck with this loan.

Well my credit score got pummeled due to people not keeping their end of the deal. So Santander was the only finance company that would get me a car. And so far it's been a disaster. We've paid up to 4 months in advance and still we get hit with the, "Your payment is past due." We got financed for $11,500 and have been paying on it for 14 months now and we get a letter saying we still owe $10,600. So honestly where is the money going? Not to my car note. We're even thinking about telling them to just come and pick the car up. Sincerely, A very unsatisfied customer.

I don't understand why it's taking over a month for them the pick up their car. I'm done! You make payment arrangements and then they so-called don't have it in the system and pick up your car hours before you make the payment that you made the payment arrangements for, but it takes them a month to say they're coming to get a car. I've taken my tags off, I've taken the insurance off and they need to come pick up their crap. This is the worst company. I would not refer my worse enemy to you all. This company doesn't even deserve a 1/2 a star.

I had a 3 year lease on my car and was charged property taxes from 2 separate counties for almost all of it. Once I got the mistake fixed with the separate counties, Chrysler Capital continued to insist I owed these property taxes in both counties even though they had been reimbursed by the one that was incorrectly charging me. In addition, they don't let you talk to the property tax department. Everything has to be done through the mail and even then they just ignore you. These guys are the worst. Buy a different car.

I purchased a vehicle that required GAP insurance in Maryland, at the time I paid around $700 for peace of mind with GAP insurance in case my vehicle was ever totaled. After years of making payments just recently, my vehicle was unfortunately totaled. I spoke with Santander immediately and they said that after the insurance paid their part, that I had GAP coverage that would pay the remainder. Long story short, that company apparently was not real, and even though for years, Santander, charged me money for a fake GAP policy, they are still coming after me for the remaining balance. How unfair and unethical! Now I get calls daily to pay the balance, and they are adding on late fees each month and hitting my credit negatively each month as well. Help!!!

My family and I fell on a tough time in 2016 and I was forced to sell my new Lexus I had just bought when I got a raise the previous year. My parents fell ill and I was forced to find something cheaper. Taking on my bills and my parents' bills left me falling behind on credit card debt, so my credit score wasn't quite up to par, but I was notified that my loan was approved through Santander Consumer USA. I accepted the loan, as the car was only $13.5k and I thought that even with the exuberant interest rate I would be able to pay the car off. In doing research, I have made most of my payments on time, or shortly after the due date, and I have paid over $11k in NOTHING BUT INTEREST!

I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement. Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from Progressive and myself. Finally they got my insurance company, Progressive, the right form. Progressive then overnighted a check to Santander who signed form and received last Tues morning at 10:00 am. It is now 6 pm on the following Monday.

My experience so far has been ok. It seems many of you don’t understand what a high-interest loan means. Take the time to read your loan contract because it will tell you how much that loan is actually going to cost you. You make the decision to sign it. They are a lender that gives to challenged credit. Yes the interest rate is going to be ungodly high. I knew this going in but needed a vehicle so I got something used priced well below 10k that I can try to pay off quicker and build my credit since the interest is so high. It’s funny to read people who financed a brand new car at 20-30k with a 26% interest rate come on here and complain that the principal balance isn’t going down.

Last year, I had pulled my credit reports. Santander had me for 30 days late from April-July and then in November, 2011. Which means that my Santander account was to be deleted between November or December, 2018. With that being said, I had just pulled all of my credit report, lo and behold, these jokers changed November, 2011 to August, 2014, meaning this account won't fall off my credit report until August, 2021. NOT HAPPENING!! Being the woman that I am, and yes, I was late for all of these months. But for the simple fact that they had changed a month and year to discredit me. Oh! What a tangled web Santander weave, when first Santander practice to deceive. What they don't know is that I can pull up ALL of my credit reports that I had requested last year and prove that, intentionally, made changes! I have done it before!

I have poor credit, but I found a late model car that I fell in love with. I had a down payment, but my own bank wouldn't give me a loan for it. Santander was the only one who would. I had never heard of them, the dealer dealt with the whole thing. The interest was high, but it was my only option, so I accepted it and drove away that day. When I got home, I researched the bank and was terrified of the reviews I read here. I thought I had made a big mistake.

I don’t know how to begin and where to finish, because what I’m going through with them; is the same thing almost everyone experienced. They’re money hungry, not honest people at all. This company is full of it... The employees do not know what they’re doing when it comes to solve a customer problem, but they know how to increased money on your account for the gain of their pockets. I really really wish someone or a lawyer could help me with my situation. But it is not the case, this company going to pay for all the damage it cost me and to others. I just give them from today until January 30th 2019 to solve my problem. If is not fix by this date; then they will know who’s the master of life, and it’s time to not standing for or be focused on money only.

What a bunch of crooks and thieves. I've been paying this company for my car for about 5 years already. Never missed a payment and they always set up a payment date when I haven't received my check from work. I had a payment date authorized and set up to pay the monthly fee on my financed car and they end up repossessing and towing my car away. They even sent an email saying that my payment date to pay is valid and okay to pay and end up taking my car away 2 days before the agreed payment plan, how are you going to repossess and tow someone's car away if you agreed with a contracted agreement to pay on a specific day.

This is my SECOND go-around with this company. 1st time they shut down my online account, stopped reporting to credit bureaus, and forced me to make payments directly through my bank (not that big of a deal but shutting down my online account without a reason was pretty **). I have never missed a payment, have always paid on time, always paid above and beyond the amount due. I had to jump through hoops to get them to give me back my online account and to again start reporting to credit bureaus.

Avoid this bank at all costs! Their loans officers in Perth Amboy NJ branch have no idea what they are doing. Their tellers in West Long Branch cannot deposit the correct amount. They held $28,000 of my money for over 6 days for no reason they can explain!! Stay away from this bank!!

Ok so I've had my car for the last 2 years and they repo my car 2 days ago. I've called and tried to make my payment over the phone. They said, "We can't accept your payment unless you have a credit card". And I said I've tried to do it on the computer but they locked my account out so they said I was 8 months behind and I've paid on time each month. I've looked at my statements on the computer to see where my money was going to and not once did I see a spot on where it was applied to. I have 2 kids and no car. One of my kids is disabled so I kinda need that car to get to doctor appointments 3-5 hours away from where I live... so yes I think I should take them to court over this.

I leased a Dodge Dart from 2014 to mid-2017. I turned it in six months early since the mileage was almost up anyway and I wanted a bigger car. The remaining payments on the Dart were folded into my new Jeep payments and I was mailed a check for the balance to immediately repay Chrysler Capital. (Note: it was mail from a large company, so I got it about a week/week and a half after I turned in the car.) Life is ostensibly good until today when I was told that I owe over $2000 for an early termination fee. It turns out (and I was not told this by the dealership) that I needed to pay the balance from that mailed check within five days of turning in the car.

I bought a car in 2015. In May will be 4 years that I have owned a 2015 Nissan Versa. Yes I hit a hardship and was behind 2 payments. They worked with me to get caught up. I found out in Oct 2018 I have not paid one car payment! They said it had all went toward interest! I'm suing them! I seen an article where the car dealerships work with them on people that they know will default on their acct! Loan sharks all the way around!

My car was totaled & the insurance company paid all but $2421. I opted for Gap Insurance to cover the remaining balance and Santander said I didn't have it. Contacted the dealership and they said we did have it but it was out of their hands. The issue was never resolved and I continued to make payments. My grandmother paid a final payment of $1299.02. But only $500 was applied to the account. I asked why and no one gave a straight answer. I spoke to someone who barely spoke English and the manager was rude. I have the receipt for payment and I also have the receipt with their signature from the postal service where my grandmother mailed in the final payment by certified mail. They are still refusing to acknowledge their mistake. It seems like I'll have to get a lawyer. I read so many negative reviews about missing payments. It's ridiculous!

I have been making payments on time for almost 2 years and had to change up my info, got a new cell#, new address, and bank account. I called and reported the change and expected it to be changed across the board. No one told me differently. I usually make my payment through the text option but they failed to change the info on that so it hit a closed acct. Then they failed to contact me afterwards and said they were calling the wrong # even after I reported new info. Spoke to someone that could barely speak English much less understand me. Requested a manager to call and that never happened. Finally got in touch with the executive team and they just defended their incompetent staff. So not only did I have to pay late fees but a return payment fee. Whatever you have to tell yourself to sleep at night...

So I purchased my vehicle from a dealership in august of this year (2018) and when I left the dealership everything on my application was correct; address, phone number, email address, social security number; I’m a high school teacher and I am very detail oriented, so I was extra vigilant that everything was correct. I waited two months for a statement from Chrysler and received nothing. So I went online to retrieve the customer service number and gave them a call, mind you with my debit card in my hand. When I got a representative and gave them my Social Security number she told me that I did not have a loan through Chrysler Capital. I insisted that I did since, I did! I insisted that I did since I did indeed have one with them!! She assured me I did not and told me there wasn’t anything that could be done.

Worst credit I’ve ever gone through. Still have not paid off my insurance loan after rear-ended by a USAA drunk driver. Totaled truck took almost month for police report and insurance to pay and they still haven’t paid off my 16025 loan yet I got check from USAA. Now I have no ride for Xmas and can’t get financed. Thanks Santander USAA. Only talked to you four times!

I'm so used to writing reviews out of frustration, that it's refreshing to write a good one for once. The JDC dealership I purchased a little Fiat to use as a work car from is a bit of a different story, but the service received from Chrysler Capital financing is something I was very happy with. My experience was quite different than 99% of the reviewers on here. I never had any issues throughout the life of my loan, which was only about a year and a half, but I initially had to call them every month since I would pay additional principal that I had to have allocated correctly. They eventually changed that to where additional funds received automatically goes towards the principal, so I was pleased to see that they were trying to better the customer experience.

At first I really liked Santander, they put my car payment on deferment when I was having a small financial bump in the road. However, I got sick and it put me behind. They said they worked with me. My car payment is now getting caught up but when I looked at my credit score, they had completely mangled my credit! I had worked very hard after a bad divorce to get my credit to at least 660... By the time Santander was done with me... It was 515. I dread what they're going to do to it next month. It's like I'm right back where I started after 'working with me.' I understand you're going to get marks for being late but it was circumstances beyond my control. There is no need to punish someone so harshly as to drop their credit score to where they will have dig themselves out of a credit hole so deep, it will take years to recover.

This is the second time Santander bank screwed me over with their interest for my car. Yesterday, I was told $438.55 was my last payment and that the state of California would be notified and that I would get my pink slip in the mail for my car. Now I have to owe $11.02, out of nowhere, then $11.11. Secondly, my payment for this month was "past due". Apparently, they disabled my auto pay without notifying me, so I was late. So I called them and politely asked what was going on. Then, I was transferred to their automated service to make this final payment and didn't have to worry about the late payment, which is in January with a total amount of $493.69. I didn't want to give them $55 more dollars, so I paid the $438.55.

Website and payment policies suck. They never return important, account related emails. They limit how you can pay. Payment options are geared toward them making money from fees. Plus, I couldn't understand a word she was saying. What can you expect from an institution that's a bottom feeder in the financial scheme of business.

This company levies fees at its will to keep low income and seniors in their financial grasp. I have paid for over 7 years on a 2007 Saturn. Due to hospitalizations the fees never end and I can never speak to anyone. Very sad and frustrated dealing with crooks of this nature.

Due to glitch in their system, my loan amount was not processed. Santander did not take efforts to inform me. Customer service will not even tell me the reason for it, in fact they asked me for fees to process the payment. This is second time happened with me. Even a credit union works better than this company. I think it is their trick to get late payment fees from customer. This is fraud company... I would have never taken my loan account to this company, but unfortunately my loan was transferred to them by my previous car loan company.

Santander has been pretty good to me. I've been with them for nearly three years and they have always been very willing to work with me on payments when I could not make them. I lost my job and was out of work from Jan-Aug and they were very understanding and helpful in any way they could be, so I don't have many complaints as far as customer service or the company as a whole... HOWEVER, their interest rates are THROUGH THE ROOF. Like absolutely uncalled for. I had fairly good credit when I originally financed my car with them, just not a lot of credit history and my interest rate was still 19.8% which is insane. That's credit card interest rate high.

This company was decent to work with the first year we made payments on my husband's car. Now, in September and October, they have misplaced both payments. The money is out of our account, gone. I cannot count how many different people, fax numbers and faxes I have sent the company to prove we paid it. Every time we hear "Call us back to confirm we got it." We call then they say it takes 3-5 business days for review. We call back in 4 business days and they cannot locate the faxed information. This has been going on for 2 months now. Now, it says we are behind payments on his car. They all have the same robotic answer of "I am so sorry, I understand this is frustrating." NO KIDDING. I have been patient enough and I am putting their TERRIBLE business practices everywhere so no one can give this company their business! STAY AWAY!

Even if you have bad credit, a bankruptcy or whatever it may be and you are desperate, if you finance through these people you will be more sorry than you were before. Just trying to get a hold of somebody takes half a dozen phone calls and literally hours. Everything is automated and trying to get through to an actual person is near impossible. It's pretty sad that a company like this will take advantage of somebody with less-than-perfect credit trying to make things right. We all know how important our credit score is to our financial situation. Yes, we are all capable of making mistakes. But all of us should also have the opportunity to be given another chance.

I have a car mortgage with this financial company, I have a payment settled due on the 13th of every month. Chrysler Capital NEVER informed that they are having troubles with the website or having problems with the way their website works with customers like me. Every month my auto pay is scheduled for the 13th of each month, and money is saved in my Checking account.

All the negative reviews about how awful Chrysler Capital's customer service is are true. Chrysler Capital's agents are rude, impolite, unfriendly and do NOT care about their customer. They charged me over ONE THOUSAND dollars after my lease ended, for damages that were NOT caused by me and they are reluctant to withdraw those charges even though I have sent them proof that I did not turn in the car in that state. I sent them pictures of how I turned in the car, I sent them a document from the dealership showing I turned in the car on the first day of the month and Chrysler Capital received it on the 15th of the month.

Ok, so my fiancé bought me a new 2018 car. It was my fault for not paying the car. That being said. We got the car back and yesterday they call my fiancé and said we owed $888.16. I was in a state of shock. My fiancé called me wondering had I lied to him about paying the car note. I called Santander and she said yes it was 888.16 in fees. I asked what fees. She couldn’t tell me then, I was told account management had not updated their system. So we only owe $154 left this month. DO NOT USE SANTANDER. They lie and cheat and don’t care. Yes it was my fault but they just don’t care. As far as the $300 I paid this month they said I didn’t pay it all. And now they are “looking” for the recorded conversation of me paying for it.

These people are definitely loan sharks. Took forever for them to compromise a contract with a car dealership. Took them 3 months to come up with a acceptance for us therefore leading us into a loan agreement. We were unaware of the details that would lead us not to a 3-year loan for our car but a six-year loan annual 23% loan sharking agreement that we were unaware of. Not researching them enough as they took forever to come up with this contract causing confusion difficulty and chaos. These people are insane. It's hard for me to believe that the government allows them to get away with us. We ended up signing a contract that would initially give them just as much as we were paying for the amount we were paying for her car. It just didn't make sense to me in the beginning. It just didn't more literally make sense at all. They are Loan Sharks. Do not. They don't deserve to be in business. I thought loan sharking was illegal.

Stay away from these people... And they should not be allowed to do business in my State, Ohio, and your state as well. I not only agree with the other reviews, I can add the following relative to a car loan: 1) THEY CHARGE FOR TITLING AND OTHER FEES. But don't process them. They charged me for a memorandum title but after further investigation, never processed it. 2) THEY WILL NOT RETURN CALLs. They claim they have no way of dialing out.

Please follow my advice and never ever get any type of loan from this people. They will stabbed you in the back as soon as they get a chance. Even if it's someone else mistakes they will go after you...

Financed an auto loan in April for $17500 with an interest rate of 26%. My credit score was in the 570-600 range. Was in desperate need of a vehicle to go to work to and didn't do my research before applying for an auto loan with Santander. Went to the dealership and got approved with $3600 down. The positives: Santander did not require a cosigner nor proof of address or income which surprised me because most lenders require this. They helped me out with this and they also gave me an extension to make payments due to a family emergency. Your credit will also jump a significant amount if you make your payments on time and don't default. My score jumped 70 points to 640. I will give credit to Santander for helping to build your credit. They have excellent customer service and multiple payment options.

This bank is a nightmare. The worse bank ever, I will put the case in court, I have been paid on time for the next 18 months, and they report an interest even that I am doing my payment on time, I paid the car 3 times, and get a negative report for Creditkarma, don't use ever this bank for anything the license should be rebuked from USA.

My 22 year old daughter went to a car dealership (Bill Snethkamp) in Detroit 4 months ago with her (then) boyfriend. He knew a salesperson at the dealership and told this person that while the car was for him, because he had bad credit and my daughter had a good credit, she would apply for the loan. He would pay my daughter cash to cover the monthly lease. She filled out the application and listed as 'employment' a new job she was about to begin. This was a sales job that never panned out. She had no income at the time. Zero.

This is my first car loan, unfortunately I lost my job and got behind 3 payments. Two days before Thanksgiving they come and repo my car around 10 pm. In VA you do not have to send a final notice that they are coming to claim the car. On the very same day I received a check that I planned to use to get my car current. They didn't have the common courtesy to email me asking for payment before taking the car. They apparently call and leave messages on my phone, but I have a different phone, but the same email address on file. They informed me over the phone that they are allowed to take cars 24/7 but the reclaim department closes at 5 PM! Adding fees by the day, random charges from the third party tow company. This is unprofessional. Ideally I understand I should stay current to make sure this didn't happen. But hard times happen to us all, do not let these car devils rip you off!

We set up a loan extension with Santander in October and made the requested payment to get the account back on track. On 11/11/18 the truck was repoed in the middle of the afternoon. We the driver hooked to the truck, we called Santander to confirm that the account was current. Since it was a Sunday, customer service could not do anything until the Recovery Department was open on Monday. I called in (there were 184 callers ahead of me) and got the account reinstated and was to call Tuesday to schedule picking up the vehicle. Monday night, I had two men show up at 11:30 PM to pick up the truck. Claimed they were repo agents. No license plates on truck and refused to ID themselves. Couldn't give me the VIN and demanded that I let them search our barns and outbuildings. I told them the vehicle had been picked up the day before and they told me they weren't leaving without the truck.

This company is horrible. We made our payments and there was a glitch on their end so they said we didn't make payments however we have ALL on receipts! They then repo our car and then they charged all these misc fees. I beg you. Please do not finance through this company. They are a FRAUD!!! Will be taking them to court. All day they have been hanging up on me and will not talk to me about getting my car back now. I'm owing 2000 past due on a 2014 Kia that I have already put over 4000 in with “late payments” and their lies.

Sent 3 payments within a week apart. They said 1 didn't go through and charged me a fee of 30.00 but they got all 3 payments and would not waive that. NEVER BEEN LATE. I'm so sick of getting ripped off by people.

I purchased a new car in 2016 from Kia & Santander financed my car. I was given 2 mailing address one of which was a P.O. box in Atlanta to mail my payment. I mailed all payment to this address since I've had my car. In September of this year I mailed payment on 20th as usual as well as the October payment. They called and I explained that payment has been sent out. I was told that the P.O. box in Atlanta has been closed and that they're not sure how long it has been closed, but payment has been mailed. I explained I haven't received anything about P.O. box closing. They responded that all payment will be returned to Customers and apologised. They did not have a forwarding address so the payments will come back to me. I mailed copies of Receipt payments to Santander and it's like they are ignoring any letters and receipts of payment.

I hate my car loan through Chrysler Capital. They have been telling me I have been behind 4 months on my payments for almost 2 years now. I missed 1 payment and I went from owing 520$ to over 800$. Like what in the world!? There is no option to pay the principal and my loan interest rate is over 20%! I am absolutely floored. I had a 2010 Toyota Prius with a ln interest rate of 9.1%. I lost my Prius when I was in a car accident and it was totaled out. I then was out in a 2015 Nissan Versa note which was 10,999 and we put a 2500$ down payment on it. My Prius was much cheaper than the piece of crap car I have now.

Santander Bank security measures are wack. My car was broken into. My bag wallet including my debit card were stolen. I accessed my BOA account and deactivated my account. I'm about to calling the 24hr BOA line service to report it. Santander on the other, first their system was down, then when I was finally up, I was locked out of my account, I called the number on the site, their office hours are from Mon -Fri 9-5. Also, due to the holiday, they are closed on Monday and will start back on Tuesday. THAT'S RIDICULOUS!!! If they are going to provide such security measures, they should provide means for clients to call in and secure their accounts. Why is there not a fraud or claims department? I can't call in, I can't access my account. I am here just hoping and praying that the thieves don't use my card and make purchases especially now that one can charge a card without pin # or ID verification...

I got approved thru this company when almost done with my bankruptcy. True they will charge you late fees, all companies do, keep in mind, they are a bank... Keep your payment on time, call them if you're going to be late like I do, they give you chances and options, been with this company for over 2 yrs... No problems!!!

I got the loan in June. When the dealer told me the due date, I informed them that it wouldn't work because I'm on a tight budget and I have to have a certain day to pay the bill. The dealer told me I could call them to set the date, which I did. They would not allow me to set the date I wanted so I figured I would try to make it work. I couldn't make it work and kept getting late charges so I decided to call and ask them again; explaining my situation. They said that I opted to change my due date once in the life of my loan already and was unable to do it again. So, I am looking to refinance with another company to get away from them so I don't pay $40K for a 20K car because of monthly late fees. I think they are truly scam artists. Bottom of the Barrel.

We just purchased a new vehicle in mid-October and financed with Chrysler Capital. We only financed 7,500.00 on a 34,000 vehicle. We found a phone call on our phone missed call record that someone had called a week after purchase. They did not leave a message. We looked up the number and it was Chrysler Capital. Our phone message requires the caller to identify themselves or the call will not be accepted for a message. We called Chrysler Capital to find out what they were calling for. The person said they were calling to give us the information on the loan. I asked why they did not leave a message and the representative said they do not do that. I asked what the information was and was told the amount due was ** and due on ** date. The representative also said what the pay off was and gave me a different date (11/08/2018) that was earlier than the first payment due date. The representative was not customer friendly.

I called customer service due to not being able to sign into my account. I had to change my number. IN the middle of asking a series of questions the computer froze. I get that. It happens. She put me on hold and transferred me. I then went through the process again with a new rep. Her computer kept freezing and I was placed on hold a handful of times just to change my number. She then proceeded to ask me where I opened my account and I told her the town. She placed me on hold once again.

Santander does not communicate when overdraft fees occur, only if they continue over 2 weeks. Unbeknown to me, I was charged $135 before ever getting contacted about the fees. By this time, my account went negative, and was now incurring even more fees. While I understand it was a user's error when mistakingly selecting an account to pay out of, the lack of support/communication from this bank is astonishing. I do not advise banking with them if you prefer a bank that can alert you when there may be issues with your account. I no longer bank with Santander.

I financed my 2018 Toyota Camry and got 9%. Made my payments on time and never had any problems. Your car doesn't get repossessed if you make payments. Service was good. Now I'm with a credit union at a much better interest rate. Make your payments and you'll be fine.

I have read many negative reviews about Chrysler Capital. But here is my story. Yeah the interest is high, but it's my fault I messed up my credit years ago. But due to medical problems, I fell a month behind. I kept making payments, but always that month behind. Due to the negative reviews, I was terrified to call. Finally, I got sick of looking out my window first thing every morning to make sure the car was still there and called Chrysler Capital. I was shocked at how friendly they were. They pushed two payments to the end of the loan and lowered my next 6 payments by $165 so I could get caught up not only with them, but others. All you have to do is work with them and they will work with you. These guys took a chance on me when no one else would.

6 months after turning in my vehicle EARLY, I get slammed with an "End of Term Final Bill" with accusations of damage to this vehicle that never happened while in my possession. Car dealers are not going to attest to the condition of your car when it's turned in! Lease inspections should only be performed when owner is present. These allegations are absurd and immoral - Bold Face Lies! How do I know this damage was not done in transportation? But yet I am liable? Absolutely not! How can there be excessive tire damage when I turned my vehicle in early and well within my allotted mileage?

After reading so many negative reviews I'm thankful that it was incredibly difficult to sign up for an checking account for Santander which drove me away from even bothering. Their customer service is horrible and none of the instructions match up with actual requirements. It started when I received a generous offer in the mail for a cash bonus if I opened a checking account and thought that I'd give the bank another try. I used to have an account with them back when it was Sovereign Bank which was great. I canceled my account after the merger and I was receiving ATM withdrawals from someone else. I didn't even have an ATM card at the time. I was told that "it happens sometimes" and that there was an issue with account linking because of the merger. I ran away.

Just placed a phone call to Santander. All I needed was my account number but they stated for SECURITY PURPOSES they can't give me this info. I'm in the middle of nowhere with no purse or wallet. I needed the account number and routing number. I am the account holder and my child is also on the account. My daughter has the card and she's in school. But I had to call her school and ask to speak to her because SANTANDER didn't help me at all. When I asked the damn lady WHY she kept repeating she can't give me the account but didn't state why. Let me close this account and put my money in my other accounts such as CITIBANK and BOA. I can't handle this type of service. People have situations or emergencies and I can't believe for my account with my damn money, I couldn't get my account number. Mind you she didn't verify any of my info. Bye ignorant bank. Thanks for nothing.

I got a $15 late fee for paying early and was told it's because I have a automatic payment and the system doesn't recognize early payments. I always pay early and have never gotten a late fee and it's never been an issue. When I asked about that I was told they're not responsible. How can I trust a company that charges you for making early payments and picking when it's an issue. Imagine if they do this to every customer. They're practically stealing money and can't give a good explanation for a charge. The customer service is barbaric at most.

Horrible experience! I was in an accident, NO fault of my own other party. The other’s party insurance is willing to pay and process payment for diminished value of vehicle. However because Santander is the lien holder they have to make the request to the others party’s insurance. Santander refuses to do this! I’ve spent almost 2 yrs calling different departments and reps being bounced around promised this will be done but it doesn’t. State Farm is willing to pay $1200 diminished value towards loan of my vehicle but Santander has to make the request as owner of the vehicle which they REFUSE to do! Horrible lender.

My account was behind and listed as charged off, but they re-instated the account and returned the car to me. They listed as charged off on my credit and will not correct the report. Also they are no longer reporting the payments that I am making. Their customer service people are rude and verbally abusive. DO NOT DO BUSINESS WITH SANTANDER CONSUMER USA.

My experience with this company is horrible. They overcharged me for my 2014 Outlander and I tried to trade out to get something cheaper and was told I was overcharged. No one could get me out of the SUV. So after years of payments and no decrease in my balance, I turned it back in. They sold my truck for pennies and want to charge me over 16,000.00 for the remaining balance. Smh. I wish I would have done my homework on this company before I agreed to that contract. Word of advice DO NOT USE THIS COMPANY TO FINANCE YOUR VEHICLE, YOU WILL GET RIPPED OFF...