Santander Consumer USA Reviews

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...

I accidentally made a payment to Chrysler Capital (totally my fault) whom I HAD an account with. In an effort to try and get my money back I contacted my bank to issue an ACH refund and the only thing they could do for me was fax a letter to Chrysler stating they made the payment at my direction. Because I no longer have an account with Chrysler it is extremely difficult to get to Customer Service as it is all automated. When you do get a hold of them you can NEVER talk to the same person twice... AND YOU CAN NEVER TALK TO THE ACCOUNTING DEPARTMENT.

Worst company in the world! We paid off our car months ago and still no title! We can't even speak to anyone at their 1800 number because they closed our account. They keep transferring us from department to department. I want what I paid for!!! This is not fair that a company can get away with this.

After reading a few of the (mostly) negative reviews here I just had to chime in (as a satisfied SCUSA customer for almost 4 years now). It is apparent they all have a common theme... They didn't make their payments as agreed so they default and lose. It's life, in the USA if you sign a legal agreement, you are bound by it. Responsibility is key but most of these peeps just want to point the finger and blame others for their own problems. Speaking for myself, I have financed my car without any issues since purchasing in March of 2015 and Santander has been awesome, both online and on the phone whenever I seldomly called. Of course, I have responsibly paid on time every month, except one last year by a few days because of an issue with my pay.

In March of 2017, my car was repossessed. I paid off what I owed (total) amount in Nov 2017. They had already sold it in auction. Today is Oct 1st 2018 and I received a certified letter from a towing company that I owed them $1,900 and to come pick up my car as they have had it since August 2018. Apparently, when Santander put it to auction and someone bought it, they never did the paperwork to change title. I am livid. Then I find out whoever bought it was in a wreck. Why am I even dealing with this? You auctioned off car after repo, I paid you off in full... no more car for a year and a half and suddenly... I am getting nailed for a car you did not legally auction off? I am calling my attorney. This is unacceptable.

I got my car in April of 2018 and they repossessed it yesterday. My car was broken into and due to Hurricane Florence most of my things were destroyed. I kept in contact with them every step of the way so when the tow guy came I called them & they stated that I haven't been talking with them even after giving names of CSRs that I spoke with. They stated that since my account was new that I had to pay off my entire car ($19,971.63) instead of the amount of the past due ($870.63). All of the agents were rude and even told me that I need to check into the "public transportation" if I can't pay that large amount. I'm only giving them 1 star because it's required. If it wasn't they would get -100 stars. These people are ridiculous.

My fiance and I went to a dealership to get a vehicle, never should have signed but we are going and had great jobs and ended up caving and getting the new 2016 ram 1500 big horn. That was our first mistake... We both had credit scores over 750 but because we are young we were ran at a 17.97% interest rate by Chrysler Capital Finance. We stupidly signed the papers for a $937.97 per month payment. (At the time we could afford it) We ended up losing money in a fraud scam and my fiance took a layoff from his good job about the time I had a seasonal layoff from my job. We tried and tried to work with Chrysler to make our payments and pay ahead but every day we spoke with them we got completely different stories and nonsense and no one could give us a reason for our interest rate being so high.

They're the worst. I bought a car using Santander, and till now I'm suffering. I don't know what to do with the car yet. They keep doubling my monthly payment for every late payment just a few days behind the due date. I don't know how they're exist in the American market till now? Terrible Bank ever. Do not you ever fail a victim like me.

We were in a bankruptcy and our car was totaled in the middle of a chapter 13. That left us with very few options to obtain any credit to find a replacement vehicle that would satisfy the trustee's requirements in year, price, and mileage. There are very few lenders that will extend credit to someone in the middle of a chapter 13, despite having sufficient income to work it, leaving us with Santander (who also does business as Road Loans). I knew we would get taken to the woodshed on the interest rate, but there wasn't much choice we had.

My wife pass away after a battle with cancer last June. After paying off the auto loan on her name Santander have refused to released the tittle on the car till I show a will or a court document showing that I'm the proper person to get the car, since my wife did not leave a will they also repossess the car and I paid off the loan. So they have the car and the title. It will take 30 to 60 days and approximate $2,000 to get this court paper. It's unfair and unprofessional the treatment that I'm getting from this company.

In May 2017 they came and repossessed my car stating I was 64 days past due. I was like how. They reviewed my payments and the guy stated when you make a large payment you have to call us and we will know that you're paying notes and not the interest. Ok that's my fault because I didn't know that. Well I had to pay $783 to get my car back and I did that. I've been paying every month since May 2017 without any issues. On yesterday my car was repossessed again while I'm at work. I called and they stated I was 72 days past due. I said, "I've been paying every month since May 2017. How am I delinquent again." The customer service agent was very rude so I asked for a manager. He was like, "Basically you never caught up when we gave you the car back the 1st time." I said how because I can't get the car without being current.

This loan company is the worse. They're liars. I paid my truck off two years ago. Still fighting for my title. I'm calling a lawyer today to see if they can help me get my title for something that I paid off. DO NOT DO BUSINESS WITH THESE PEOPLE! HORRIBLE HORRIBLE HORRIBLE. You start off with one loan company but somehow you get them later on. If this happens try to get your vehicle refinanced with another company. This company will screw you.

I purchased a vehicle in 2015 which Santander financed it. I became very ill. Ended up having heart surgery. Spoke with them about working with me on my payments. Was sending half payments. Had no problems. They never once contacted me about it or sent a letter. I woke up to my vehicle gone they repoed it without any notice. Called to see how much it would cost to get it back. Remind you I've had this car three years, they were very rude told me I had to pay the full balance plus 850 for picking it up. As a company you would think they would help you keep your vehicle and get the money you owe but they rather take it and get less for it. I wouldn't recommend this company to anyone. They will finance anyone no matter your credit and they will also hurt your credit in the worst ways. They have a habit of reporting late payments to your credit reports. Please avoid this company at all cost.

Avoid this bank!!! They are idiots! Attempted to bill me twice for a loan payment (6 hours on the phone to correct). Play games around releasing the title of the vehicle. Poor communication. Required that I open a FedEx account to get the title shipped to me overnight. Provided FedEx number with pay off check and they mailed it us mail anyway with a one week plus delay.

My payment in the form of a money order was altered and deposited into their Chase bank account, Pay to the order of “Drive.” Come to find out that’s a subsidiary company of theirs. After filing an investigation with Western Union, no religion has came as they told me no one from their company would do that, and it must of been someone from where I purchased the money order. No resolution has came. I filed complaints with CFPB and my Attorney general and Santander told me they do not settle.

I traded in my car in the year of 2016 due to a financial situation and my current car's reliability. I was in a hard spot and needed a new car immediately. I was approved for a car loan with Santander Consumer USA, with them approving me for $16,000 with very little credit, no co-signer, and no down payment. I knew this was a bad idea but I had a plan to refinance with my Credit Union in good time. Meanwhile, I had to pay $440/mo with a 26.97% APR. Wow, was I naive! And they knew this, and took advantage of it to their fullest. Here I am, 40,000 miles later, the resale value recently dropped, I'm screwed. Over the past two years I have worked extremely hard to secure a stable income and raise my credit, all while having to share my car due to family financials and putting on double the miles.

I needed a loan really fast to purchase a vehicle from an individual through RoadLoans that happens to be a division of Santander. At that time my credit score was high 600s. Took out a loan with RoadLoans/Santander because it would have taken too long with my local bank to get the car I wanted. The expectations were to refinance the vehicle and lower the rate with my local credit union a few months later. I have to say It was really disappointing that Santander reported my loan late after I closed and paid off the account purchasing another vehicle. They reported me late on two occasions April & June for some odd reason. This transpired when I closed and paid off the account in July. I'd never been late in the two years of having the loan.

I was with Alphera Financial for my Auto Loan. Have been religiously making payments from my bank online. However I just found out accidentally checking Credit Karma to see my score and find out I have a late payment with a company I do not know. I find out Alphera transferred my loan to Santander without alerting me. But payments have been going to Alphera for 5 months now so I was totally caught off guard. Now I'm in the middle of attempting to straighten up this mess. So terrible the way these loan people do business. They should be fined and put out of business as I see other similar complaints. EXTREMELY POOR EXPERIENCE as I also registered with online to catch these sort of things. Very disappointed.

I purchased a vehicle over two years ago, and only paid down $2,000 so I am upside down by $15.000 so I cannot trade it in nor sell it. Due to losing my job, I need to get rid of the truck but no way to do it. They are no help. This company needs to be shut down for criminal actions.

I purchased a 2012 Ford financed with SANTANDER. "THE DEVIL" should be their name, but anyway my APR was 27%. I made all my payments on time, but as time went on I kept hearing people talking pure ** about them. So I thought I would refinance to get away from "the devil", but guess what. I was 5000 negative equity, so no credit union would pick me up. I tried trading it several times. No luck.

We have been trying to resolve an outstanding debt with Sovereign (Now Santander Bank) since 2004. It has been nothing but a nightmare. Not to mention from a recent trip to the county courthouse they applied the mortgage on record as collateral for the SBA loan twice. When our water pipe broke and put in a Home Owner claim with our insurance company we found out that one of their employee's name was listed as an owner on our home and was listed as a signer on the check! After repeated multiple attempts to resolve the outstanding debt with the bank and two lawyers later the bank turned us over to the Department of Treasury.

I paid my car off back in July on the 13th. I called them a week later to ask about my title because nobody said anything about sending it out to me. When I called I noticed that they had removed my name and number from the registry. Finally I get a operator and she says it will be mailed on the 31st. Well fast forward to August 20th. Oh and I work for the post office. I called them to see what is going on and I am having the same registry issue as before but I can hear someone on the phone typing or pushing buttons. Then I realized that they were really ignoring me hoping that I would just hang up so I stayed on the phone for a total of 40 minutes until they finally acknowledged me. This is how I know they knew who I was is because she said my first and last name. Also asked about my car the same as they do when you are a paying customer.

I refinanced my car, back in my March 2018. Since then, I’ve been calling Santander several times in regard to my gap refund. They advised they sent my gap cancellation but after calling my gap insurance, they advised they never received it. This is frustrating and nobody is following up.

I paid off my loan with Santander in June of this year. I called in July asking about the title. The customer support agent stated the title was mailed to my old address. Not sure why considering I received several letters from Santander at my new address but no worries the post office was still forwarding my mail for another 3 weeks. I called today checking on my title and was informed that the state of Georgia has a hold on my title due to back taxes, now I am upset. I go to the local tax office and I owe nothing. Check with the state I owe nothing. Check with the county we previous lived in, nothing is owed. I even called North Carolina to verify. They did not have an issue, nothing. Time for a lawyer!!!

I went to a tax preparer who should of filed my taxes. I used my Bank Credit Card to pay for the services. The tax preparer never filed my taxes. The tax preparer was arrested and indicted on charges of fraud. He was filing taxes under a fake EID number and had been under investigation. There is also an open case with the town Police department for which I have contacted the detective for theft of services with this tax service. I provided the bank with reviews, the detective name, phone number and a copy of the indictment against this Tax Preparation Office. Santander has denied my claim 3 times stating that the claim stops with the Credit Card Point of Service app known as Square Up. I did not know this app/product was being used but then again why would this matter.

I am so upset right now. I don't have the words to express! I had my car with Santander for 3 yrs now. (Not to mention I have been paying this car with no hopes of even bringing down the balance). I came into some financial issues where I was without a job for a couple of months. Santander so graciously offered to "defer" two months and place them to the back of my loan so I can remain current. I esigned the paperwork and sent it to them right away and I was under the impression that everything was back to normal.

Their customer service never helped me one time as much as I had contacted them. I spoke to the manager once concerning this, and was told the problem would be taken care of. It never was. I paid over $5000 in one year on my vehicle and the balance only went down by $1000. These people just take the money for the interest. They care less about the customers. Recently I got rid of the car just to get away from Santander Consumer. The auto dealer I spoke with told me he has heard about how bad they are, and they should not be allowed to stay open. I agreed with him completely. I have told lots of people to stay away from them. I cannot even give them a one star at all. Thank goodness I have gotten away from them!

After paying on time and more than the minimum payment due for almost three years, this company reversed a payment causing me to be a month late. They then reported this late payment to the credit agencies, causing my score to drop 85 POINTS. My once great credit (that I had been working so hard on), is now considered ‘below average’. Stay away! This will be on my report for 3 years now.

I locked myself out of mobile banking and called for assistance. First, BRANDON told me that he could not assist me and that I needed to go to a branch with my ID. I asked to speak with his supervisor, and LINDA comes on to help me. Linda is extremely helpful. As I finish with Linda, she puts me back into the automated system, I encounter a problem, and end up back with BRANDON. BRANDON proceeds to tell me that Linda has made a mistake by believing me and that I am not who I say I am. He says several times, “Good for you, you got over. You are not Donna—-.” I immediately went to a branch office to make sure BRANDON had not done something to my money. Worst experience.

I have been paying on my car payment for 10 months now, the car was $16,000, after 10 months I still owe 15,800! How is this possible? This is a scam. Please avoid this company at all cost. I am trying to refinance at another bank, but because it looks like I paid nothing toward the car I am upside down, and no other bank wants to refinance it

I would NEVER recommend this place to anyone! 2 years ago I had no choice than to go with this bank to approve me to get a vehicle. So for the past 2 1/2 years I have a car payment of 329.00 that I have never missed a payment and have been on time since. Recently I had got some really bad hail damage on my car. The damage was so bad it was marked as total loss because the damage would cost more than what my car is worth. So long story short I owe 11,000 on my car and my insurance is paying my loan 5,000. In order to keep my vehicle I have to pay this place 6,000 up front by the end of this month or they will take my vehicle. What kind of inconsiderate company would do that to a loyal, single mother? Santander will! I spoke with manager as well as a supervisor and they could not accommodate or even think of helping out their customers. If anyone is thinking of getting a loan with Santander please look elsewhere!

I got 2014 Jeep Cherokee limited w/ them and the loan was supposed to be for 19,100 but somehow has been steady going up and up. I’ve been paying and it seems like every time I make a payment the amount goes up. When I call customer service it’s always some incompetent person that answers the phone and doesn’t know anything. They always say they will have someone call me back to answer my questions about the loan and very clearly shady billing practices but no call backs at all.

Customer service is just ok and very slow, not the best experience. They are not willing to go above and beyond without a charge. I locked myself out of my account and the best they could do was send me a pin that would take 5-7 business days. I have NO access to my account unless I go to the bank and ask them what I have or for a print out. I can't access my mobile or online and they can't reset it over the phone OR in person. If I want them to rush a new pin via mail, they are charging $30. Ridiculous! So unhappy! Not acceptable in this day and age! I am switching banks

Ok, to start - this entire deal was my fault. My loan was sold to Santander by Toyota Financial and I had no idea, I disregarded phone calls and emails - so it's my fault that I didn't know. To make a long story short I unknowingly fell 86 days behind on my payment. At about 11:30 PM a tow truck showed up at my house and took my truck. I was devastated. It was on a Friday night so everything was closed on the weekend, so I had plenty of time to think about my vehicle being gone. I read the reviews and thought the ABSOLUTE worse. I called Monday morning and was in touch with Santander Reinstatement team. They were straightforward and to the point. They told me we need "X" amount for you to get your vehicle back.

I secured an auto loan out of pure desperateness. I listened to the con artist of a car salesman selling me on how I would be able to trade my care in in a year or so. My car note is a whopping $673.00/month. Yes $673. I have paid for the last two years pushing to continue to be able to pay. I have tried to refinance the car and even do a trade in but because the car loan is upside down. I purchased the vehicle brand new at 22k in 2016 and is now 2018 and my payoff is 27k. How sway how sway. This company is pure evil. I am a single parent trying to provide for me kids but when I have to continue to decide between buying my children things they need and paying a high ** car. Note it hurts my heart.

Needed a car bad, my car broke down. Went to Basin Subaru in Midland Tx. They put me in a 2007 Acadia, said they would finish up my paperwork and send it to me, called for over a year. Still haven't got it. When I finally did said that it sold car to me with 13000 miles on it, it had 33000. The car was 13.900. After 5 years of paying on the car figured I should be close to paying off, called Santander, said I owed 20000 on the car. That's after paying for five years 400 month, this is crazy. Not only that. In the five years purchased my daughter a car in the 9th grade, car was 7000. She is in her second year in college. Asked about her car with mine. I still owe 7600 on more than what the car cost and not only that the car was put in my wife's name, and somehow they put it in both of ours. I did not sign nothing, and my wife says when she walked out only her name was on contract, no one can give me any answers.

I and other family members called Santander customer service with a specific urgent need for service. I stressed the urgency of the call, as it related to a healthcare emergency for my two babies. We called 17 times over 3.5 hours. We were hung up on 9 times, transferred 6 times, and given false information 4 times, before we finally got the information we needed.

If you need a car loan and are doing bad. I would not suggest going here. You will regret it. They are a ripoff and so disorganized. It's been 5 months and they still have not sent my title. They are the worst company to finance your car... If I ever have to get another car I will walk before I use them.

New loan in 3/2017 for BMW, car was totaled the next month. My insurance paid almost all of it off and then my GAP insurance paid the remainder off except 6.00. I sent them 6.00$ and they sent me another bill saying I owed misc fees/charges for 76.00$. I did not owe them a dime. Now they are reporting to Credit Bureaus that I have a charge off of $112.00. On their website, they only have statements starting in July and I paid loan off in June. Their documentation is undecipherable, the statements make no sense. I have disputed this debt and will file complaint with Consumer Affairs as well. It looks as if they have practiced dishonest and underhanded to thousands of customers by the looks of all the fines they have been made to pay and the endless consumer complaints about this company. They are rated an "F" by the Better Business Bureau.

I wasn't in a good situation when I first purchased my car and Santander was the only company that would finance me. I needed a car so I went with it. I paid every payment on time and in full for just over 4 years. I had an accident (that was not my fault) in January 2018. My insurance determined it was totaled and they paid out the price of the damages. I had gap coverage as well to cover the rest. They took 4 months to finally pay out. Meanwhile, Santander started charging me payments again, without telling me. I found out when I checked my credit report. So I called them and was told we are waiting for gap to pay out so we can't do anything until then. Cool. Only apparently it wasn't cool. It took gap 4 months to pay out and Santander... was charging me payments, late payments, and interest the whole time. Without telling me gap wouldn't cover any overdue payments. I spoke with them last week and this is when I found that out.

I purchased a car August of 2014 for 17,000 a 2010 Chevy Malibu, I pay 458.10 per month. I still owe 16,893. This is terrible. I have tried refinancing. No one will help me out because my car is not worth nowhere near what I owe, I was going to file bankruptcy but can't do that either because my house has too much equity in it and they would still get their money so it wouldn't be worth it I was told by a laywer. Can anyone help? This is crazy. I pray to God that they are shut down and have to pay all their customers back the money they already paid, and the customers get to keep their cars, so they can't do anyone else like the way they have been doing people. They are pure evil. This company is supposed to help people with poor credit but they prey on people with poor credit. I would never advise anyone to do business with them.

My wife and I paid our car off FOUR months ago and we still have not received our title. I have called and spoken to numerous customer service representatives, a customer service manager, as well as members of the Title Department (which by the way is impossible to get to because their stupid automated system still routes my calls to customer service even though I dial the number Santander has listed for the title department on their website.) And I get a different reason as to why we have yet to receive our title each time I call. The last time I called which was three weeks ago, I spoke to a Manager in the Title Department. He explained that for some reason the title got held up in their system and he was ordering and sending out a new title. He completely deescalated the situation and advised me that I would have the title in hand in about two weeks. I got off the phone with a feeling of accomplishment.

Custer Capital Is ripping me off. My current rate is 25 o/o. I was approved for use car. The car is not worth what I’m paying for. It doesn’t make sense. Now I’m stuck in this contract. This is really ridiculous.

I feel quite foolish leaving a review for a company with a 1 star rating but here it goes. Santander failed to reissue a car title after a repossession which was reinstated 8 months ago. I’m unable to renew the registration on the vehicle being that New York is a title holding state and the title is in the banks name! I’m now waiting up to 21 days for the title to be switch back into my name which should of happened 8 months ago! Meanwhile I’m receiving tickets for an expired registration and now paying a parking garage to keep the car off of the street to avoid it being towed. Keep in mind it’s not in my name!

I was pressured into financing with Santander at the dealership. I hadn't purchased anything on credit in over 20 years, so I had a very low credit rating. The best interest rate I got was almost 20 percent. Santander doesn't refinance, so regardless of my CURRENT GREAT CREDIT RATING, I'm stuck in this high interest loan for the length of the contract. They are an awful resource to finance a car. DO NOT DO BUSINESS WITH SANTANDER!

I don’t have the time to get into my entire story as Santander has made it their point to rip off the customers that put food on their table! It’s a shame how Santander takes advantage of their customers, customer’s money, and credit. Santander tried to get the word out to the public that they have supported hurricane victims, before ripping off customers...repossession vehicles only 2 months after hurricane after signing up for assistance. Then break my vehicle upon repossession, refusing to pay for repairs, just to return vehicle with a reply of “We’re not perfect!” Not so much as an Sorry or "let me fix what we broke".

Just recently paid loan off. When I owed them they were always accessible. Now that I need my title I’m getting the runaround. Lies regarding process then more lies about the mailing of title. Now that it’s paid off I don’t have an “official” account so manipulating through their IVR is a task then once I do get to speak with a very helpful agent they lie then lie some more. I asked to speak with title department the “sup” Deshaun that helpful agent Kayla transferred me to advised me to call next day for department (Saturday). I was reluctant so I asked what time they will be open “sup” Deshaun confidently informed me 7 to 5 Central. I eagerly called to be informed, "Call back Monday." THIS LOAN COMPANY STINKS. I was transferred to them from another loan company. I doubt they ever get customers on a first time basis.

My original loan was sold to Santander, the Worst. I live in Miami Fl and also have another property/business in Sarasota. Back in 9/2017 we had "Irma" hurricane. Both side of Florida were affected, so I did not have a business income for a month due to no electric in Sarasota as well as Miami. Florida was declare NATIONAL DISASTER. I received help from my home mortgage Company as well as other car loans and credit cars, ALL other companies gave us the option to NOT paid for three month and those payments were added at the end of the loans. That was a great help since most of our money went to run generators at both properties and pay for what not cover by my insurances. NOT SANTANDER!!!

Son and I joint borrowers on car loan. When dealership sold us car they said he wouldn't have to pay for 90 days, but found out different. My son made payment arrangements with them and they still sent to credit bureaus that $49 of it was 30 days past due. Credit went down quick! Was in process of buying a house and now score too low. Have been talking to people at Chrysler Capital (yes, people, can't talk to same person) and each give a different story. My house loan officer wanted me to contact them and see if they would out of courtesy take it off the credit report.

New 2018 Dodge Journey was repo, my hrs were reduced at work due to being out on medical leave. Made half payment on vehicle. Tried to get it reinstated but they would not work with me at all. They wanted the car paid in full, could not get a new car loan because my credit was not great and this car loan was showing in my credit. I have talked to managers, even filed complaint with president office. Just giving you a fair warning this company will not work with you. If you are 3 months behind they will take the vehicle. They do not care what the circumstance is. They state it's their company policy and will not budge, if you get approved for a loan with Chrysler Capital do not take the loan. Try and get something elsewhere!

I'm very disappointed in the service that I've received with Santander Consumer USA. I had an auto loan through Alphera Financial Services that ended up getting transferred over to Santander Consumer USA. I never had a problem once with Alphera Financial Service and now I've had nothing but problems with Santander Consumer USA. During the transfer, Santander did not put my name on the auto loan along with my husband like they should have. I'm the one who pays the auto loan payment every month from my account also, but they wouldn't help with getting any of that figured out. Then, when we went to go sell our vehicle, I tried to obtain payoff information and payoff procedure information but they gave me a hard time. One of the representatives on the phone even hung up on me and was extremely rude. When I called in to Santander over these issues I received terrible service and a rude representatives to speak to.

We leased a vehicle in TX through Chrysler Capital, now over 3 years later they are trying to charge us $1400 for back property taxes. There is no property taxes on personal vehicles in TX. We signed the appropriate paperwork for exemption but the dealership didn't notarize it so now Chrysler is trying to make us pay for it.

Chrysler Capital, worst nightmare. Run away from them and seek other car loan companies. They apply outrageous fees. In addition, they have horrible customer service. They state they can send you chat transcripts because they don't want you to have proof of what their supervisors say. I have been told that they would remove the fees and they keep on adding. Stay away! It is a nightmare dealing with this company. They don't care about their customers.

I purchased a 2011 Ford Edge Ltd on Nov, 23, 2013 and it was about 21k. My credit wasn't great but it wasn't horrible, I was in the high 600's and they're charging me just shy of 19% interest. I've been making payments of $610.00/mo for 5 years now and I still owe $17,000; my car is now only worth 9-10k max. I'm now on disability and I can't afford to pay the difference to get rid of it. Most car loans allow you a 10 day grace period for payments, not Santander. I'm also charged $31/mo for late fees if I'm one day late and the interest is 90% of my payment. To date, I've paid $37,820 for the car and still have 2 years to go. So, I've already paid $16,000 over the original price and to trade it in I have to pay off the 8k difference. I find this to be so disgusting. To take advantage of people who have not a bad credit score but, not a perfect score either, should be illegal.

I have had a loan with Santander USA since 2014. The original loan amount was 21000. I have paid over 10000 towards the loan, but I still owe more than the original loan amount. I owe more than the car is worth. At this point I feel like I will never pay this car off. Can anyone advise?

I attempted to recover my car, after a repossession, this month. They told me to get the car back, was $2100, called back two days later, and said that the amount to get the car back would now be $3700. What a bad practice now to be upfront amount fees due. This is bad loan practice, besides every agent told me a different amount, how does that happen, this company does not care about what the consumer says or does, they just do not care, all they care about is money. Do not use Santander Consumer for any loans, or any bank dealings. They are not to be trusted, and are rude, and lie.

I bought a vehicle with a specific lender to find after that that they transferred me to Santander without my approval. I had a surgery and was behind my payments for 3 months, they repossessed my vehicle. Refused to remove the fees. Adding a couple of thousand dollars to my bill didn't help at all. Very rude and not helpful at all. I do not recommend them at all.

I cosigned for a car for my daughter which I end up being responsible for and cannot get hold of anyone in customer service and cannot create an online account and I am using the information straight from the bill. No one should have to spend hours in a day just trying to make an online account for car payments. Thank you.

I have deposited 2 checks within the daily limit set by the online banking. The funds left my account at the other bank on 05/29 and as of 06/04 it is still not available. Where is this money? It is at Santander but they will not recognize it because it is convenient to the bank just be slow while my money is been used and I’m been charged interest from my overdraft account or maybe this is just another of the several problems in the bank Technology. PS: This was not the first time I deposit a check and the previous compensation was always 2 business days. Also, it took me 3 phone calls and more than 7 minutes on average on hold before someone picked up the phone. On Saturday, 06/02 I spent 57 minutes on the phone and didn’t get a satisfactory answer to my request. I was told the delay was because they are having problems with one of their systems...

I purchased a 2012 Hyundai Sonata in 2/2013. The car was 25k brand new. My down payment was 6k with interest. I would pay in total 24k by the end of my loan. While I don’t have a perfect record I pay my bill. It’s been 5 years on a 6 year loan. I now owe 22k. I pay 590 a month! How is that possible?!!

My daughter bought a car in 2011, which Santander financed. It was for 6 years. She had put 5 payments back on loan, then got behind 2. The car should had been paid off next April. Car went back in March. It was falling apart. We were trying to make it last. Well, car would had never gotten paid off. Interest rate was 25%. Had no clue considering it was not listed on paperwork. We are at the same about 5 years later where it started. This finance company is a complete joke. Not to be stopped. Maybe it's time to fight them. Not sure what is next.

I opened my acct. at Santander 6/2/2017 and I have had nothing but problems since then. From not being able to access online, to having to reset my personal info every time I try to go online. I have had money stolen from my acct. There is always a new person there who does not give a damn! They tell you 1 thing and they do another. Frankly I'm fed with Santander Bank!!!

My husband and I’s account was transferred to Santander from Alphera just recently on our auto loan. Coincidentally, we traded in the truck right when the switch happened. I figured there may be a few hiccups along the way, but never would I have imagined people who honestly don’t care at all. We had payments automatically taken out by a third party that we have never had problems with. Since Alphera was sold out, it was never communicated to the third party that the truck had been paid off, so payments kept getting drafted out of our account after the fact. I called the third party and took care of that but they had already sent the money totaling $805 to Santander in the form of a paper check so they couldn’t cancel it because it had already been cashed.

I sent a payoff check to the address provided by the CSR and I have confirmation that the check was received and signed for at the address provided. I even have confirmation that it was sent directly to the mail room and signed for by a C. ** on Wednesday May 9, 2018. HOWEVER, SANTANDER CONSUMER USA HAS NO RECEIPT OF THE PAYMENT. I am working directly with a manager, whom hasn't called me back once. I've called him several times, only speaking with him once and leaving messages for a return call in the other instances. I have provided the manager with everything they've asked me for, amount, tracking number, etc. To-date they still have no receipt of the payoff check even though I have confirmed where it was sent, what date it was sent and who signed for the delivery at the exact time! Horrible unaccountable service!

On Feb 3 we spoke with leasing dept about turning in our closed end lease on our Durango. We would turn in 6 month early because we purchased another Chrysler vehicle. Told no problem. Now they are saying they will not waive turn on few and we cannot get any money back on prepaid lease. After working for Chrysler for 30 years and purchased a lot of cars for us and family this is how we get treated. No more Chrysler for us or family. Guess we become Ford people.

I purchased a vehicle back in 2008 and my loan was sold off to Santander Consumer USA. I had a 6 year loan with a pay off in 2014. Each month when I made my payments via their automated system, I was given a different amount for balance due. This went on for another 2 years, paid off in March 2016 I thought. When I called about my title I was advised that the loan was paid off, however I still owed them almost another $1000.00 in late fees and miscellaneous fee before they will give me my title. I would never recommend anyone to do business with this company. My loan was for $27k, and I've paid over $40,000.00 and they say I still owe them. Santander is a consumer RIP OFF and yes a class action should be filed against them. I will never do business with this company ever again and the public needs to be aware of the scams they are pulling.

The most indescribably wretched business experience I have ever had. My car is a 2007 Saturn Sky Red Line that I have been paying for now going on 7 years. Had numerous health issues and found out the late payment each month is almost $100 dollars. Called and asked to speak with a supervisor but always put on hold until my patience became exhausted. Still paying with the car worth not even a fraction of what I have paid. So disgusted. Can't put it into words - whatever you can do and no matter how desperate you are for a car don't allow yourself the horror of this company.

Like everyone else, my original loan was sold to Santander without my knowledge. Two years of making payments of $557 a month and the balance of the loan is only $2-3,000 less than when the loan originally started. This bank is from Spain. They need to go the hell back. They come here to the U.S. to cheat us civilians and disrespect our military. The U.S. Dept of Justice had to go after Santander for repossessing the cars of U.S. military deployed overseas (Service Members Civil Relief Act) What type of treatment do you expect from a foreign bank that does that to the U.S. military?!!

This has to be the worst customer service I've ever experienced. I was a new customer, kicked over to them by my old bank, Alphera. Could not log in to the Santander website, so called the Santander number to make a free payment via their automatic processing. Put in all info and was told by the robo-voice that the payment couldn't be made. Got sent to customer service -- Shareece in Barbados -- who flat out refused to assist me. She said I could pay over the phone with her if I paid a surcharge (i.e., pay them to give them money). Otherwise, I could go back to either the website or the phone processing. Well done, Shareece! I'll be paying my debt in full in a few days and hope I never have to deal with you or your shady company ever again.

I am leasing a 2016 Jeep Compass through Chrysler Capital Finance. My payments are automatically withdrawn from my account each month. I have been trying since March 2018 to straighten out a problem with my account regarding a sales tax (personal property tax) increase I have been assessed since I moved to another state in November 2017. I tried to explain that my vehicle was still in my prior state and even provided the registration and insurance information that it was. It was only registered in my new state in April.

I purchased a 2009 Volkswagen Jetta (VIN# 3VWRM71K39M098551) from 404 Automotive Group in April of 2016. The vehicle was financed through Santander Consumer USA, thus a lien was placed on the car. I paid the remaining balance to Santander in April of 2018. As stated on the Ga.gov website (https://dor.georgia.gov/how-release-lien-and-security-interest-title) I was expecting the title after 5 days of processing the final payment. Santander sent me a release of lien notification (without the title) that stated I needed to take it to DMV for the title. The DMV informed me that I need the physical title from Santander, however when the DMV looked into their database they could see that the title was not printed by the dealership and thus not sent to Santander with the original paperwork that was created in April of 2016.

Received notice from Alfera saying they sold my account to Santander and it stated I would receive package from Santander. I waited. Nothing came. So called Santander to make a payment. Was shocked when they say I owe Nine hundred and something because I'm late. So when a customer service rep came on the phone it sounds like she was in a tunnel and could not hear her. I literally had to yell for her to hear me and still I heard a faint voice on the line. Finally, she decides to pick up the phone and talk. At that point heard her just fine. She tells me my payment is late so need to pay next month payment on top of my current payment.

So I have a car loan the original price was around 7400. I had recently got the payment down to 6880... but it's funny how it had jumped back up to 6903. In the payment history it said the payments have gone through. I sent in a payment again for 176.00 because I can afford so much. They are saying I'm 17 days past due for 197.73. But how is that possible when I made the payments on the 15th for 160.00... the 26th for 170.00 and today's payment for 170.00... add that up its 512 dollars. So basically they are ripping me off because I have never had that happen. I am extremely bothered by this and I will get a lawyer.

I leased a Chrysler product and used Chrysler Capital as the leasing company. Turned the leased vehicle in with 33k miles, 36k allowed. 3 months later I am told I owe them $1000 to replace worn tires. It appears the small print in their contracts allows them to extort a new set of tires from leasees to get a better price on resale. $250 per tire... robbery.

Harassed me for a week. Very unprofessional reps, gentleman wanted a strong argument (literally got on the phone to argue) and anything I said had a very smart response like he knows it all (he should pay my bills then too). Sold my vehicle which means the loan through them was done with but they still haven’t reported it which messed up my Credit. They are a small bank with not enough people working there so when you’re on hold (over 20 mins) they will repeatedly say “high call volume” which is such a lie. Don’t recommend them to anyone. Just go somewhere else and save the headache.

We purchased a vehicle and paid on it for six years. I called them to see really how much longer we have till this loan is paid off. We pay $467 a month and they told me we still owe $12274.85 so I looked at last year's bill. For April we owed a little over $15,000. So paying $467 a month for a year we didn't even pay loan down $3000. I called to see if I could refinance to lower interest. They said they don't do that. DO NOT USE THIS COMPANY UNLESS YOU WANT TO GET SCREWED OVER. You'll pay back over twice as much as they paid for you to get vehicle. I repeat. Do not go with Santander Consumer for anything. It's a bottomless money pit.☹️

I got a car loan. My credit was not good at the time so I ended up with Santander with their 25% interest. Though the payment was high I was having little trouble paying for the car until I got a cancer diagnosis and had to pay bills associated with that. I called Santander and they did give me an extension (moving that months payment to the end of the loan therefore extending time to maturity). This worked for the months that I needed the extra money to be able to get my treatments. Then I decided since my payments had been on time and my credit score had gone up that I would refinance so to get my payments down as the cancer was taking a real financial toll.

I am a current customer of Santander. They do not care for their customers and they have poor customer service. First of all, although I do not have the perfect credit I regret the day I ever walked into Joe Machens Hyundai in Columbia, Missouri and purchased this vehicle. How you help people build credit is not to put them in loan situations where you are aware that the customer may default or pay double for the vehicle they are in. My loan is for 14,000 at 24.99% interest rate for 72 months. Don't be late for a payment. They cannot offer any forgiveness. World class rip-off. I will never get a car loan from these monsters again.

I financed my car in October of 2016, being a young college student with fairly new credit unfortunately I ended up with this finance company with 25% interest and a car payment of almost 400 dollars. After a year I called to refinance to get my payments down only for them to tell me they do not offer that option. That was strike one for me!! The car end up being totaled December the 5th 2017, I made the last payment November 15th and after the wreck my insurance and GAP insurance were responsible for the remaining balance of the car!!

I am at the end of my lease. My final payment did not auto withdraw on the normal date, so a day later I paid via their QuickPay (via Western Union, and it costs extra) - thinking maybe I took off my autopay leading up to my final month. The day AFTER I paid (so 2 days late) my auto pay came out, leaving me to have double paid for this final month. Seeing as how it was my final payment, I do not want to double pay. It took several minutes and several people to even SEE I had made 2 payments. They were adamant they could only see 1. Once I got a manager, they saw my 2 payments, and said I would be reimbursed 60 days after my lease was up.

This is the worst car loan ever!! I bought a used vehicle almost 7 years ago, during a point in my life that I was trying to get back on my feet financially. When I bought the car from CarMax I put $2000 cash down on the purchase. I have made 71 payments to Santander, I called them last week to go over my account with a representative and she told me that I had 70 payments to go to pay the balance off. I have already paid more than twice the original amount of the car (with the higher interest rate that was expected). But to tell me I have 70 payments left on a car that is now 12 years old and holds less than a $4000 Blue Book value is ridiculous. I realize that every payment has not been on time, nor have most of my payments been more than the minimum payment. But to tell me over the phone that my first 3 years of payments was going towards interest only and I have 70 payments to go...

Last year I got a loan through Up2Drive for a 2015 car, for which I paid $10,000 down with a $8500 financed balance, at 3.5% interest rate. Up2Drive is a subsidiary of BMW Bank of America, a highly rated auto financing company. This is our third loan through them, and we have been very successful and happy with their service. Then suddenly, with no advance notice, in April 2018, after almost a year of perfect payment history on this loan, we received an email from Up2Drive telling us that our loan has been sold to Santander. We receive no written documentation of the sale, and no assurance that our interest-rate wouldn't change.

Santander should be taken to court for ripping off people. I'm paying over 42,000 for a 2010 Equinox. My mother in law was the owner. She died 2 years ago here. We paying for a car because we was a co-signer. We need to gather together and file a law sued we paying 25.99 % interest a day. That's ridiculous.

I had a car loan with Santander Consumer USA, I fell and broke my back in July of 2016. I called Santander and asked for a deferment on my account because I was unable to work at the time. I was told they don't do deferments and to just pay what I could when I could and keep them informed of my situation. I fell behind by three months. In August I received a letter from them stating that if I didn't get my payments caught up by the end of the month they would repo my car. I paid them immediately and I thought all was well at that time. I fell behind by three months and again in February of 2017 I was threatened with repo, I made arrangements to get caught up since I was just getting back to work at that time. I got caught up and in March was threaten with repo again and I was ahead on my payments at this time.

We bought a Dodge Caravan 2012 that was worth $18,000 at the time. Now we’ve filed bankruptcy. After 5 years of payments we still owe the $16000. Are they nuts? Our payments were high. In the end they want us to pay more than double of what the car is worth. This company should be sued for stealing from people. They target low income and low credit scores.

Leased a Fiat for 3 years. Turned it in. Followed all the directions, etc. Some idiot parked the car in a tow zone outside where lease returns are auctioned off. We are, somehow, still listed as the "owner". Contacted the towing company to explain. Contacted the Dealership where car was returned to inquire about what to do. They referred me to Chrysler Capital. No one I spoke with could give two rats' **. They are the legal owner of the car and it's about to be auctioned off with the proceeds going to the tow company. Turns out they didn't file the paperwork with the DMW to release us from liability. Good thing we have a lawyer on retainer. DO NOT consider leasing any Chrysler car. This is our 3rd lease, first with Chrysler, and the level of incompetence is mind blowing...

I have bad credit. I put two grand down on my car and plus my trade. This company was the only one that will finance me. So I make my first payment, everything was good. I tried to make a payment ahead a month and they said I couldn’t do that, oh well my fault. I get the bill for the next month and I pay via phone and it stayed my balance and they will not credit me for the current month! How??? I have the freaking bill!!! I called and you never talk to anyone from the US, it’s always a foreign person which I have no problem with foreigners but they always act like you’re dumb and I ask to talk to a supervisor and they said they made the request for the account to be paid for the month but I said, "How can you request it when I have the freaking bill and I paid it???"

They continue to steal money by adding on extra money to payment or reallocating part of my payment to places that cannot be explained. I have called 5 times on this most recent charge to try and get a proper explanation of the extra money and each of the 5 times I got a new reason! Excuses for stealing so now I will be getting my attorney involved.

They are crooks in a nutshell. Just bought a car from CarMax 2 days ago, called for a 10 day payoff. They stated they couldn't give me my payoff amount because it takes 3-4 weeks for my "account information" to register on their system. Note that I "started accruing interest on my account" the day I signed my auto loan contract; which really means that they've created this long wait period so that they can make you pay more interest and get more money out of you... So instead of paying interest on 10 days, I now have to pay interest on 30+ days. This how they make their money. STAY AWAY FROM THIS FINANCING COMPANY.

In October of 2017, I received an unexpected statement in the mail stating that I had to pay 18 percent interest on a $10,000 loan that I never took out. I did not understand why I received this statement and thought, certainly it was in error. During the first week of November, 2017 I visited the 336 Broadway branch of Santander with the statement and asked for an explanation. After 30-40 minutes of discussing the matter with two bank representatives they uncovered their deception.

I received a loan from Santander Consumer, USA in February of 2012. It was a 60 month loan at $357.11 a month. I really didn't want to take it but I really needed a car. Well it is 2018 now and they are still me I owe $4,900 on the car plus another $1500 in late fees!! I have already paid over 18,000 and they are still saying that I owe them more money! They call every hour! Even after I make a payment they say I am still a month behind. I am not even sure how that could be, so I made two payments last month. They are still saying I am behind in my payments. When I asked Customer Service how she replied "because in 2015 I missed a payment" so I keep being a month behind. When I asked how come this is just now showing up, she had no answer. When I asked what month in 2015, she didn't know! Ripoff! Stay away!

My experience with Santander is horrible because my car was worth $10,000 but after they gave me a loan that was financed at 25.99% which I did not know on top of that the finance amount was 13,735.36 and my payout amount is 27,538.56. In the total sales price was 29,039.25 so now I have 3 different amounts on this car and the blue book value is 5,000 and this why I'm very pissed behind this loan on my car. I really think someone need to put a stop to Santander for just taking people money and trying to keep people in their loans even after they have paid the amount of the car off but instead they try to find any and everything to build up the interest on the loan. They make it hard to go and get it refinanced with a lower interest rate. See what they don't tell you when you pay your car note is that most of your money goes to the interest then your car loan. So we have to let everyone know what they are doing to hurt your credit score then help it.

Santander is really pissing me off. They charging me extra money when they shouldn't. If you call them they all act illiterate and don't know nothing. I'm not stupid and I keep up with my bills. I can't do nothing about it because I still owe on my truck but lord knows I wish I could've did something else before I got with Santander. Santander is a ** rip off and I'm really upset because they don't care. They all should be ashame of their self because they wouldn't like it if it was them or their mother, grandmother, dad, granddad, daughter, son, or anybody else in their family. I have bad credit but they say they trying to help you but I see different. I advise nobody else get with this company because they don't do BUSSINESS how they should.

My son is a soldier in the Army National Guard. The summer before he had to deploy to Kuwait, he decided he would treat himself to a new Dodge Challenger. The only problem was he was on 20 and hadn't established any credit. Well the salesman saw him coming. He got his car but he paid the price with a Santander loan. The payment was $800+ before he was deployed. After he was active, they had to reduce that, and he has been paying $627 a month for over a year. The payment has been automatically taken out of his bank account for 2 years now.

I have been paying a loan with Santander for years and finally paid it off in September 2017. I have waited for my title or a lien sanctification letter. It is now March 2018 and I telephoned them as to why no title received. They said they sent it out and now account is closed. If I want a title I have to pay to get one. I am livid! I paid on time for years and then I am sent to pay for the title or a lien satisfaction if I want it.

I submitted two payment for the month of Jan 2018 in order to make my account 100% current... Some brainchild on their end misallocated the funding so that it would still show my account as not current. Therefore, I would have additional lates fees that would increase in order to continue overbilling me. Then some other genius went into my account and re-allocated funds I submitted and applied some funds to my Feb 2018 payment which is totally incorrect! Then these folks post my account for Mar 2018 to be $1700 to include late fees!!! I dont have any freaking late fees people!!! Is there a class action lawsuit I can join? Does anyone have any legal advice I can use to fight their unfair, crooked, and underhanded business and accounting practices?

I contacted Santander to change auto pay information. I contacted them on the 5th of February 2018 and gave them new account information. I was assured by their representative that the payment due would be coming out of new bank information. Santander did not take payment from new information whereby they caused my old account to incur fees. I contacted Santander representatives, managers and today I spoke with someone who said they were in charge of managers. This person did not help me resolve my issue. Their representatives are in need of further training. I wanted a refund into old account and a payment to be taken out of new account. The manager informed me that this was not possible. I would never have taken payment out of old account and put into new account if Santander had informed me properly on 2/05/2018.

I co-signed on a vehicle 6 years ago for an ex bf at the time. He wrecked the vehicle the day after he got it. Insurance paid Santander their portion of the cost but GAP won't cover. They're saying they need additional paperwork from me. I had, or thought I had, this handled 6 years ago when they quit calling me about the vehicle. Here we are 6 years later and Santander is still claiming there is still a balance owed. (Mind you they stopped calling me for FIVE years until just recently) I have called more times than I can count to try to get the necessary paperwork I needed from Santander to send to the GAP insurance company but they will NOT help me.

I sent a money order in for payment back on October 20th of 2016. Early November I received a call from Santander saying I was late, and that I needed to pay now. I assured them I had already paid and to check their records, which the rep did and found nothing. I immediately called Western Union which is the money order I mailed in and they told me it had been cashed in October 31st 2016. I was also told if I wanted to investigate I had to pay $14, which I did. Weeks later I received a photocopy of my money order, with pay to the order of “Drive” on the front of it and on the back a stamp from Chase bank with an account number. I called Chase who said they couldn’t give out account information over the phone so I called Santander. The rep told me Drive is one of their subsidiary companies and that the Chase account number is indeed theirs (wrong move).

I have had Santander for a car loan. (Bad credit thing) They were the only ones to give me a loan. I started making my payments Sept. 2017 and have made all my payments at the branch in my town. I pay my payment with cash. I keeps my receipt of payment from the bank (thankfully). I received a call from them yesterday stating that my January payment is now overdue. Smoke started coming out of my ears! I told the woman that all my payments are made at the bank and in cash and I have receipt from bank. She stated that this was not applied to my account. I am now ready to reach through the phone! I told her that the payment was made (and even gave her the reference number on receipt) "IN CASH AT THE BRANCH WHERE I LIVE" and how did this not get applied to my account.

I am trying to end a 36 month lease after 21 payments as I am leaving the country. At the time of obtaining the payoff amount from Chrysler Capital, I have spoken with 4 different people who gave me different amounts and besides that, they are not allowing me to do it through Carmax, who is the company where I am selling the car. I haven’t been able to sell it yet, it seems Chrysler Capital doesn’t want me to get off the lease and/or sell it to Carmax. Terrible experience. Not working with them ever again.

I opened a car loan with Santander in July of 2015 for $15,000 and have been making my payments for about 2.5 years. Logged in online to see my payoff amount is $16,000. 2 and a half years later of making payments, I still owe a thousand dollars more than the original loan was for. After doing some research to find out the interest rate of 25% exceeds the interest rate cap in the state of Texas (18%), I called and tried to settle and wouldn't. I will be taking them to court!

TD Auto Finance removed my auto pay and bank information without communicating with me and resulted to a miss payment and a negative drop on my credit score. My auto pay has always been on time and bank information has always been active in their system for 2 years with no problems. I have contacted the bank about the issue and their customer service is inefficient, rude and does not offer any solution to the problem. While on the phone with service rep, she would constantly tell me that it is basically my fault for the miss payments, I replied by telling her how would I know the status when the bank does not communicate critical changes to my account. Auto pay is designed to prevent errors and missed payments and this auto financing company is very inefficient and I will never do business with this company nor recommend them to my family and community.

I bought my lease out in the spring of 2016. The car is in my driveway - yet Chrysler Capital has called me over 100 times insisting that I turned it in and did NOT purchase it. The dealer Jeep Dealership in Old Saybrook CT has called them numerous times to resolve this PAPERWORK ERROR. This is harassment and bad for Chrysler Dodge Jeep. Period. Still not resolved. If I could I would give a zero to this company.

We settled with a car making company (totally unrelated) and part of the settlement was to pay off our van. They sent the check directly to Santander back in October and again, in November when Santander said they never got it. Now, they claim to have gotten it and said 3 weeks ago that they were "waiting for it to clear". Now they are saying, "It's cleared! We will apply it to the balance." But it still hasn't. It cleared over 2 weeks ago. :( This is the worst company ever. Now it's showing we are late paying, and have added fees. I am pretty upset and we plan on hiring a lawyer.

I was searching for reviews of this company and their deferment program and didn't find many. So I am writing this to ease some minds. I have been with Santander for 3 years. Never once have I had an issue. I pay my bill via text for free. Never have been late since I got my car. Ran into some financial issues this month. Called yesterday and asked for the loan deferment program. Everything was explained in detail. I was not asked to pay anything upfront. They gave me 2 months without payment upon approval (It will ultimately push out my maturity date). I called them back within 2 hours of the original phone call and was told I was approved. I am grateful this company takes the time to work with customers!!!

I recently lost my vehicle to Hurricane Harvey. My car was a total loss. Santander Consumer financed another vehicle. I paid my first note a month in advance. I asked for a deferment for December which would help me buy Christmas for family. I was denied, I called for almost a month for status' but no one would ever contact me by phone or email. It is sad that this company has no compassion for victims of a natural disaster! Corporate greed!

Santander is completely inept in handling payoff checks. In October of 2017, we attempted to pay off the car loan. Rather than crediting the account as a payoff, they took the CERTIFIED BANK CHECK to mean that the money was a refinance and NOT a payoff. Consequently, Santander sent the title to the bank instead of to us. It is now the end of November and we STILL do not have the title to the vehicle.Two weeks ago, the vehicle experienced an electrical fire that resulted in the insurance company totalling it out. The insurance company requires the title in order to complete the claim - the title that is who knows where - Santander certainly doesn't!

This is the worst finance company ever. I had a total list and even after the insurance company paid for the car I still was left owing them a balance. I suggest waiting for your credit to improve or go to a buy here pay here lot because Santander is a ripoff. I wish I could have left NO stars…

We refinanced back in June with a better company with lower interest for our vehicle. Chrysler capital is suppose to refund 2200 for gap ins and warranty to us. We have signed the paperwork for the return and have called several times over months wondering where our money is. It's now end of Nov and we have had so many stories and apparently they have mailed this same check out several times but we have not gotten a thing. The story changes every time we call in. This is our money we have been waiting on for months and they are basically refusing to give it to us and make up lies. I would never do business with this company or suggest anyone to use them.

First mistake I made was 2013 getting a car loan through this bank. After 4 years of making payments my balance was still the same. One of my regrets was ever signing those loan papers. My car 4 years later only worth $400. Decided to stop making payments and have them take the car. I was able to get a brand new car with the help of my family for co-signer. I understand my credit took a huge hit, however I feel much better and free from getting out of this mess. I will never sign any papers with these people. Also have been in contact with the state attorney about the lawsuit! I will suggest to people to be aware of you signing any agreements with these people.

After paying on a car loan since March 2017 -- well in advance of monthly deadlines, well OVER the amount due each and every time, I am NOW told that my online account is disabled and I must physically go to my bank and do an electronic funds transfer (which will cost me $$). The reason? In 2012 I filed Chapter 13. The car was purchased with every T crossed and I dotted, and yet, with ONE MONTH left in Chapter 13, I suddenly am *more* of a risk, despite 100% timely, above-and-beyond payments. Never EVER EVER use this company! I did because I didn't have a choice. Rest assured the moment I am able to, I will refinance through a reputable company that treats their customers accurately. I can only imagine how they treat bad customers if this is how they treat the good ones. AVOID SANTANDER!!!

I read through the complaints. Folks! You get what you earn. If you have bad credit or sloppy credit you will pay and be watched closely. I have had nothing but good vibes with this company. The blame goes back on you not the financer!

I am here to tell those hardworking people out there to stay away from this bank Santander Consumer USA. Do not apply for auto loan or home loan or whatever loan. Don't apply please. They are bloodsucker. They will mess your credit in just a few weeks or in 2 months and will charge you extra like you earning money and working hard for them. I call them bloodsucker. I am planning to sue them. I am just collecting some evidence. In auto loan I pay them almost $15000 dollar. Not even 1 percent went to principal and they sending me the bill that I just pay $6000 only. LOL. WOW.

This company financed a car for me back in 2014. I paid a little more than my monthly payments each month on time. It surprises me to see so many bad reviews. I had no problem whatsoever. I received my title to my car a couple of months ago. I do not feel cheated or robbed. If I get another car in the future I would LOVE for this company to finance it for me. Thanks Santander for a job well done.

My fiancè and I financed a vehicle and they were the only option we had at the time given my layoff and having a newborn on the way. Having ** credit thanks in large part to my ex wife running up bills under my information before I could put a stop to it, we were forced to absorb a hefty 21% interest rate. As many other have said, many of the initial payments go almost strictly to interest. Pay $352 and watch 320 go to interest. You get the idea. Now, despite paying on time for a year and having been told that we could refinance if we did so to get a lower rate by the dealership, Santander says "we dont do that". Ok so the salesperson lied. Shocker.

When you call in for questions they will ask you all your info just to help you. By all I mean your name, your address, mother's maiden name, two security questions with the answers, the checking account number, the savings account number, the credit card number with expirations date and the three digit code which means they have every info on a person but it gets worse. They then send a message to your phone with a code and they will not help you without all the above happening... I guess no one learned from Wells Fargo when they were opening fake accounts. I am leaving this bank immediately and need to warn everyone on Facebook etc.

I have had a loan with this company since December 2013. I was making payments and then the amount of payments begin to go up. I started paying $305 a month and if late, then $16.50 late fee was added. I was behind a few times and made up the payments due to being unemployed and couldn’t afford to pay along with other bills. After calling this company (which I no longer do, I send information in writing certified read receipt via the post office) I was treated unprofessionally and after being put on hold for 5 mins for one call, then 30 mins for another I would get hung up on. I then contacted my attorney for information on how to deal with these crooks.

My fiance financed his truck through Santander Consumer USA 4 years ago! He has already paid $10,000 more than the actual price of the truck and they still say he owes $17,000 more on it!!! Are you kidding me? That means by the time he is done he will have paid over $30,000 for an 08 pickup truck!!! We all need to get together, sue them and try to shut them down!!! They target people who have bad credit and take advantage of them!!! This is ridiculous!!! Any lawyers want to help?

I purchased a washer and dryer for my granddaughter as a wedding gift in 2015. I took the loan out through this company. Within one month I paid the full amount off in 2015. The loan was paid off. I'm continually getting a bill and when I call to find out why they're still billing me they said they're billing me because I never called to close my account. I've never heard of that my life. I'm a 63 year old senior. I've been purchasing items from ABC for over 30 years and I've never known a contract to say that you have to actually call the lender once your loan's paid off. As far as I know you're done. It's paid off paid in full but they're saying now that I'm up to $214. They're trying to get for me for not calling to close the account back in 2015. Is this legal.

I recently sent them a check from my insurance company for $2066 for damages done to the vehicle and they have been sitting on the check. They haven't forwarded the check or added to the balance of the vehicle. I think they are trying to steal it. If so, this is embezzlement. They have my husband calling around. When he asked about the check they claim to be trying to find out which auto shop to send the check to. My husband told them to mail the check back. He had his own body shop to send it to. They have yet to reply. DON'T WASTE YOUR TIME GETTING A VEHICLE THROUGH THESE CROOKS. They will try and STEAL EVERY PENNY THEY CAN EVEN FROM YOU!!!

Well my experience was insane. I stated with this company owing 18,600 and some odd dollars in principal and 33,000 dollars after interest... Now if that alone ain't insane. I said okay, I signed for that deal I will go thru with it. But here's the kicker... First 2 payments after I get car I paid over to get my principal to 17,765 within a month of having car. 6 month later every payment on time and every penny went interest. Called their customer service and was told in a sense that I should pay early or twice a month to get my principal down. So I refinance with a lower APR. AND GUESS WHAT... They send the amount of almost exactly what I owed them from the start to my new loan company. Kind of like I never paid anything. Horrible.

I woke up yesterday and saw my car being towed away. I immediately called Santander and was notified that computer system was down and glitches were messing up dates in the system. Santander has claimed responsibility. However, their computer systems are down now two days in a row and are unable to process my car to be released. I was told my car would be sent to auction if I do not claim it in time within 24 hours. This 24 hours mark has passed. All I need is an email sent to the tow company to release my car and sent to my email as well. They claim they are unable to do so because of computer glitches. I find it hard to believe that the company is unable to send an email.

I refinanced my vehicle. The check was lost in the mail, unbeknownst to me until I got a call from their collections department. On a conference call with my bank that refinanced and Santander, we had to go through four "managers" only to find out that the president of the company would honor my bank’s back dated check. They are charging the interest. And still, even though I gave them permission, will not talk to my financial institution. Are they a financial institution??? I question that. I also will ask to have in writing that they will not ding MY credit, because my payoff from my credit union was lost in the mail. Poor service. The president of the company is the only one that has power in Santander??? I will NEVER DO BUSINESS WITH THEM AGAIN.

We've had an auto loan with the company for about 6 months. I created an online account that requires an email, password, and either the model year of your vehicle or the last 4 of your social. I have an email in my inbox confirming the account set-up. I also have a notebook with all of my usernames and passwords. For the last six months when logging in attempting to pay it says incorrect information. I go to the forgot password/username and attempt to retrieve what they say is incorrect. Even though I have it written down for EVERY time I have had to change it. Next, when I attempt to just bypass the nonsense and set up a new account it says that one's already exist while on the other page it says that it does not!!! However, if you have to call and make a payment with an agent there is a fee!

I have made 6 months worth of early/on-time payments and have even paid extra. They apply 0% of the payments to the principal. And merely apply it to next month's bill. A simple interest loan does not work this way. For the past 2 months my principal has not gone down 1 cent. I called and was on the phone with their Cust SVC for hours and they could not explain to me why they were doing this. They could not provide me with a monthly payment amount that would ensure my car is paid within the agreed time frame. My monthly payment amount requirement number on their website has no relation to any type of actual amount I need to pay to pay off my car. $650 payments made on the 1st (due in 25th) for the past two months have brought my amount owed from $27,100 to $27,100. I'm getting ripped off. I'll never own this car even while making on time payments early. Santander should not be a last resort. It should be a non-option. Do not use them.

I had my car financed with Santander July 2014. I tried to refinance my car. I owed more than the car was worth. I voluntarily gave it back in August 2016. They are still reporting negative information on my credit bureaus. They're reporting I am late on my car payments. They still report full balance of the loan on my credit bureaus and they sold the car at an auction.

This company is terrible. I have had my CC for 2 years with no missed or late payments. They closed my account saying that they don't deal with the company anymore and jacked my interest rate up. So not only am I paying on a closed account, but the interest rate is so high it's like I'm paying nothing. Tried to get them to lower it was a waste of time. Very disrespectful customer service also!

I had a long standing relationship with this bank and never had a problem up until 2 years ago when money started slowly missing from my checking account. Week after week money was missing. I went to the branch several times to complain and each time they said it was my fault and that it was my calculator and my error. I have been at my new bank so far for four months and so far every week the numbers are exact. I am using the same calculator. So where did all my money go and why wasn't it fixed or taken care of. I will never recommend this bank to anyone.

This company is okay for the fact that when I fell on hard times they took my late payment and put it on the end of my loan, what I am dissatisfied with however is I purchased this car through CarMax and I purchased the MaxCare extended warranty and was told that the payments for my MaxCare warranty is included with my car payment, so when my MaxCare warranty expired, and when I called to inform them that my MaxCare expired I was informed by Santander Consumer USA that they will not deduct the money that I was paying for my MaxCare from my car payment. So I'm basically paying $60 a month for something I'm not using.

I have had my car since 2013 (brand new), paid $9,000 down payment when I drove it off the lot. I lost my job 3 months after I purchased this vehicle and was unable to keep up for 2 months. I got a new job and found out that I am unable to get any assistance (most will take a payment or 2 and put it behind the loan -- nope, not these people). It is now 2017 and have made my 48th payment. When I went onto my account I noticed that I still owed $20,000 (mind you, my car was a $32,000 car, I paid $9,000 down, my loan was for $24,900). I have ALREADY PAID $25,632.29 to this company, so I call and was told that I have been late multiple times and because I have a simple interest loan, my payments have been going to interest. -- OHHH and I have $2,000 in late fees. My car is now valued around $8,200.

I purchased a car in July 2015. I had no choice with the loan company the dealership went with. They have been awful. The interest rate is so high and whenever I have contacted them, the customer service is not helpful and also very rude. I don't like that they won't refinance at a lower rate. I feel like I was ripped off by this company. If you have a choice do not go with this company. They should be out of business.

I bought a 2010 Toyota Prius through them. Consistently since 2013 I have had problems with them. I sent in multiple checks a day after paying my car note and all they did was put all my extra money towards interest. Second thing I was getting my co signer removed. We mailed the paperwork over a month ago and they still stating they have not received it. I'm at highly fed up with this company. I repeat DO NOT get a loan through them, a credit card or anything from the rip off company.

Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with STAGE 3C HER POS Breast Cancer where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized CAN (Cancer Alliance of Naples) and Bosom Buddies (Breast Cancer Organization) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over $340.00 monthly my loan amount is not budging but a fraction, and in addition the late fees that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me.

They are always courteous and friendly. Always available when I have questions or concerns. There are no fees and offer many services. In fact my credit card offer is 2 years no interest and you can't beat that.

I received a letter from Santander stating I had overpaid my loan by $102.00. This was in March 2017. I paid off the loan back in 2014. I thought cool unexpected windfall. I promptly filled out their form and mailed it off to Santander. I figured a couple of weeks I should get a check. 4 weeks go by so I called customer service. I am informed it takes 6 to 8 weeks to get a refund. I am disappointed, it has only taken them 3 years to figure out they owe me some money. What's a couple of more weeks. 10 weeks go by I contact Santander again.

Just what everyone is saying! This company should be taken to court and not allowed to steal people's money like this. I have been paying on my car every month on time and the payoff is coming down pennies. I guess I was nuts for signing these papers and you will be also if you get a loan with them. Don't even think of it and North Carolina should not let them in our state.

I purchase a 2013 Dodge Journey in 2013. The vehicle costed $21,556.30, the balance as of 2017 is $18,835.99 and the pay off is $20,243.84. The lady said I've made 40 payments of $515.00. Right now I'm a few months behind due to not enough funds anymore. ($3,453.00 is owed to catch up.) What is wrong with this picture? How do I still owe almost the same amount when I purchase. Basically I paid $1312.46 within 3 years. I really want to know if I can sue.

The interest on my 2005 Toyota Camry is so much I can not pay any more. I can not pay my rent. What can I do (give it back) what will happen? I see on a post that the Justice Dept just Reaches a Settlement with Santander U.S.A. for 9.35 million and Santander will pay 26 million to settle allegations that it gave high interest loans to car buyers (it knew could not Repay) the loan (like me) a lending tactic that helped trigger the housing market Crash nearly a decade ago. Massachusetts some will have car Borrowers will have their outstanding loans (paid off) as part of the settlement. Can someone help us out there? Can we sue them? Do any one know how to go about this. Well thank you and (god bless you all).

Stay away from this company. I finance a 2008 Chrysler 300. It was 18,000 paid on it for 5 yrs & still owes 15,000. How is that even possible? So I let them report it. Now I got a 2015 Chrysler 300 with a great company. Try Capital One. Stay away from Santander. If you don't you will be sorry.

This past April my van was stolen and vandalized, so upon completion of repairs I decided to trade it for a new one, because I didn't want drive my old van after it was stolen. So I drove to the dealership the same day I picked my van from the body shop. To make a long story short, I was turn down for loan after paying on time for three years! What a bunch of JERKS!!!???

Purchased a new RAM truck and financed through Chrysler Capital (800+ credit score). Their online payment system is straight out of the 1990's. If you want to make a one time payment you pay an additional fee. The only way to make an electronic payment is to do a bank draft. If you want to make an extra principal payment, pay a fee. If you want to make a payment in advance pay another fee.

Santander is a rip off. They robbed me blind, I know I paid for my car twice, they lie and scam you. There was never a manager to speak to. I will never use them as a lender again. I know the pain current customers are experiencing. Get out if you can. There has to be some form of class action lawsuit against this company...

Well I got a 2015 Nissan Rogue on Feb 24 17 and I put my 2013 Chevy Malibu down for a down payment and the remaining of the note is 12000.00 and they tell me it's going to take me seven years to pay it off and there is no way it will take that long when you are paying almost four hundred dollars a month and they don't put your whole payment towards your payment. It speaks for itself.

The lease on our 2014 Jeep Cherokee was up so we purchased the vehicle. We sent 2 checks: one for $12000 and one for $8000 with all the paperwork FedEx in same envelope to Chrysler Capital. They claim they only received the $12000. How could this be? I call it stupid incompetent workers. My bank will not issue a new check till they have something in writing from Chrysler Capital that the check was lost which for some reason Chrysler Capital says they cannot do. I have never in my life had to deal with such stupidity.

I purchased a 2012 Jeep Liberty from Horne Auto in Show Low AZ in April of 2017. Horne Auto Assured me that the loan company they were going to finance through was a reputable Company, (Santander Consumer USA). How wrong they were, we have had problems with them from day 1. First payment statement came to us in the mail 5 days on a Friday leaving us 3 days to get our payment there on time. I signed up online to pay my payments. There was a charge and they sent us to another website to pay the payment. So I signed up for autopay allowing them to withdraw payment when it was due. It showed up on the website that the payment went through their system but when I checked my bank there were no debits from Santander Consumer USA, I called them and they informed me that it took 3 or 4 working days for it to clear my bank, but it was showing that they submitted it.

I've been paying on a vehicle that was financed with Santander for just under 6 years. I bought the car at $19,000 and my payoff after almost 6 years of payments is $17,000. How is that even possible? I got behind on payments, 2 months to be exact, when I was laid off from my job. Once I was back to work I started making payments above the required monthly amount in an effort to get it caught back up. As a matter of fact, I paid a total amount of $2500 in a span of 4 months attempting to take care of the past due amount including all of the ridiculous fees they kept adding onto my account.

I have been paying on a 2007 Nissan Versa, purchase price 12,000$. I have made 58 payments, over 18,000 dollars. They were saying I was 3 payments behind (I was not). I was actually 15 days late on 1 payment and had spoken with them. They came and repossessed the car and say I still owed 8000$ on this car still. It only blue books now at 2600$. I've paid way over what I have owed, had a cosigner on this loan and now they are quick to report it so it's against my cosigner also. This is fraud. I would like to join a class action lawsuit against this company. Please contact me @ **.

In September of 2014 I leased a 2014 Dodge Dart through Chrysler Capital. I made my payments, got my service check ups on time, was never late on anything. Fast forward to March 2017, lease is up in 6 months time, my mileage is getting close to the limit (I had about 5000 miles left) and with a 35 miles (one way) drive to work every day, it was time to trade in my car. I shopped around looking for something with great gas mileage and found that none of the Chrysler family of cars were suited to my needs. So started looking at other brands. Found a Kia Niro that gets me on average 50mpg. Fell in love.

I leased a car from Chrysler Capital. The customer service from the beginning was terrible. They never paid excise tax and we could not drive our car for 5 months and we were never compensated. The lease was returned 6 weeks ago and I have yet to hear from Chrysler with the information I need to file a claim. My phone calls and concerns go unaddressed and unanswered. I have been leasing cars for many years and I have never had this issue before. I would not advise anyone to get financing from Chrysler Capital. They are unresponsive and impossible to get a hold of. I have called and called and left messages, however no-one calls back. This is a scam and is fraudulent behavior. They are only interested in taking your money and there is NO customer service for anything.

I had a car loan with Santander for around 2 years. I traded my car in and 2 months later I am still getting statements for payments. The last statement showed a payment of over $1300 that posted to my account. I called them and they told me that someone else's payment posted to my account and that they never received the payoff for my car. The dealership has proof that the check was cashed over a month ago. I will NEVER do business with Santander again! I would advise no one to get a loan through them. If it is my last resort I will do without!

I bought 2017 Jeep Patriot and was told I would get a better price if I financed the car through Chrysler Capital for at least 3 months. I agreed and financed 8,000 dollars of the purchased price. At the end of 3 months, I tried to pay off the remaining balance of the loan (7,500) and was told by Chrysler they could only accept 2,000 dollars per payment. I know I could send them a check or go to the bank and arrange a wire transfer to Chrysler, or make payments daily until I reach the payoff price. All this is a hassle and not consumer friendly. Will not use again.

I just got out of the bankruptcy and the bankruptcy you only pay the principal on the car. I didn't know this. I owed for the car by June 30th. I called them to tell them that I would not be able to pay them until the 14th and I get paid when the payments for actually due. I woke up this morning it is July 6th 2017 and my vehicle was gone yesterday. I was on the phone going to the bank going to the grocery stores to do money orders to send the money over online and they still take my vehicle. They said that it wouldn't be in repossession as of yesterday but here I sit this morning with no vehicle and I'm supposed to be at work. This sucks. I will never put my trust in any business again for sure. Santander is not a good company at all.

I am trying to replace my older high mileage car with a newer car. Tried to go after a one year old Dodge Charger for $29k (with trade and carryover). They approved me but came back with terms of $759 a month for 75 months!! This is with fairly good credit compared to what I had 2.5 years ago when I bought my current car with horrid credit. My current loan is HALF the interest rate and more than HALF the payment they want me to pay for this Dodge. When I got approved, I had to call this certain number to prove who I am due to fraud I found on my credit reports. I called 118 times on a Saturday, then another 109 times on Monday before I gave up. I left a scathing review on their website, and not 5 min later I had an email from them.

We purchased a car for my daughter. First new car for her. She was in an accident in February 2017. We paid the last payment in March because the insurance hadn't settled at the time. The insurance company paid car off in full and sent us a copy of the payment they sent to Santander. We continued to get a bill in the mail and by June they are saying we are 4 months behind. I called Progressive and they have made several attempts to pay this loan off. And May 17, 2017 Progressive stopped payment on another check and submitted another one because Santander has said they never received payment. Today the check has not cleared. My credit report is now showing no payment for 4 months. What can be done about this.

I have a 2006 Honda CR-V financed through Santander's and I will NEVER EVER financed a vehicle through this company again. The interest rate is ridiculous and when it came close to paying off my vehicle, they added another month's payment to my payoff amount!!! THESE PEOPLE ARE CRAZY!!! I advise anyone not to get a loan through this company. Yes, they will give anyone a vehicle because they will sucker punch you with a ridiculous interest rate. In the word of Fred Sanford, "Don't do it, Lamont!"

I went outside and my car was not there! I always work out a payment date with this company if I am a little late and they always take my payment. I never received a ten days to pay or repossessed letter from Santander Consumers. I did not receive a phone call. I opened my account online and it say my phone number is not valid, but they have called me before so how is it now not valid. Plain and simple they stole my car without the lawful way to correctly repossess my car correctly. Do not go to this company. They are ripping me off. I have had the car for years, this is unfair.

This is the worst company that I have ever had to deal with to get a refund. They sent me through so many changes just to get my money from off of this card. They changed my information within their systems so I could not be verified. I do not wish for anyone to use this card a Citi Prepaid card nor to use Santander Consumer USA. They overcharged me on the loan on my car. Now they're trying to have for me to use their card just to get some money back that they owe me. Bad business. Terrible business.

Chrysler Capital reported late lease payment in March and April of 2017 when payments were made in full. Car was returned on Jan 8th of 2017. In addition, Chrysler Capital kept overpayment and refuse to communicate any type of return of overpayment. As of today June 20 2017. 6 months after the car was returned, no overpayment that has been clearly documented has been refunded. Close to $2,000.00.

We got a loan from them for our 2011 Honda Odyssey Van and they've added money to the account instead of taking away and we have been paying on it for over a year now. The balance is now 19k something instead of 16k or less like it should be. We bought it for 17k. We've called and talked to legal team and they have promised to do something to fix it and even affirm something is wrong with the account but they never fix it. I am so frustrated and upset. This is ridiculous.

Santander is a decisive car loan company. Company stops consumer from keeping account current. They add on charges and make it impossible to keep your account paid up. You then get so far behind with all their add on charges it finally becomes such a high payment that you cannot possibly pay.

We bought a car, had a loan paid on car 4 years. The car was tolded in hailstorm. The insurance told us the car was only worth less than $5000.00 dollars than Santander said we owed $11000.00. We only paid around $14000.00. The Insurance would not let us buy back. They came and got it. It is hurting my credit score bad. What I am to do.

These people gave me a shot and for that I am grateful. Damn near every financial institution has a bad score because people get their cars repo'd. Some people were legitimately screwed over or one person's mistake becomes the face of the company but these guys are the reason I'm driving a car (and not one from J.D. Byrider...) so I like them.

We paid off our vehicle April 2017. My husband called to get payoff and was told they can't debit more than $3000 from our account at 1 time that it needed to be broken into 2 payments. Received confirmation # for both payments and both debited our checking account following Monday. I called following Wednesday to check balance of account with Chrysler only to be told we still had a balance and last payment posted was 1 of the window pay ends debited from our account.

They financed me when no one else would, the interest rate was high but understandable. When I sent them a check for the payoff they took it off my credit report and they even sent me back a check for an overpayment so I got back $150 which was awesome. No complaints.

I saw an advertisement in the Staten Island Advance that indicated Santander Bank would pay 1.25% interest on a liquid savings money market account. So on December 30th 2016 I opened a liquid money market account at Santander Bank on Hylan Boulevard in Staten Island. From day one I was harassed by the bank manager/account specialist /investment specialist to buy various financial securities. I told him I was not interested in buying anything. I know they want to sell these Investments because they make hefty fees and commissions. The Bank manager/investment adviser even called me up at my home to get me to buy some of his financial investments.

We've been paying on a loan of 19,000 for 5 years and 2 months and the principal balance is still 15k. They are criminals. Do NOT do business with these sorry ** of a company. Their interest rate is beyond ridiculous, I don't even know how they get away with ripping people off like this. I would never recommend them to finance anything. I wish I never accepted their offer. It was stupid of me to not research these sorry **.

Interest rate way too high. When I paid off loan they gave me a debit card that has no cash value, even though I paid them cash. 10.9 dollar courtesy fee for using phone to pay due amount. Never shorten loan period for prepayment, they just lower your next payment due. If you want to prepay loan at other times rather than due date, they return your mail with check if not in their official envelope, which you don't have access to. This is the kind of bank that will suddenly change its name, such companies as this have a history big doing this. Mm I wonder why companies like this might do that?

This company insulates itself from addressing inaccurate posting and collections from its customers and artfully keeps the meter running on interest. They will not send confirmation of payment even when the funds have cleared your bank, inaccurately posts amounts owed, extorting money from customers. The numerous complaints reflect the tip of a large and corrupt iceberg. WALK before financing a car with them!!! I don't understand why our government allows them to remain in business.

Purchased a 2010 Chevy Malibu (In 2013 - USED) here we are 2017 the payoff amount is $20,000.00!!! How am I suppose to EVER pay this car off!!! The account balance is 17k. But my maturity is Jan 2019. The car sold for I believe 7000.00. Definitely would not recommend this company as they prey on people with not so good credit. I will NEVER use this company again & they should not be a partner that shows up with CarMax. Hiring me a lawyer to get out of this & I am totally open with a class action law suit which sounds like what is needed to stop this bank! ** (If WILLIAM of Winston-Salem, NC on April 14, 2017 see's this, I'm all in!)

I've had the worse with this comp. I fell behind due to no contracts for work. I have been busting my tail to make payments. Made 1800 dollar in 30 days. I've done all I could do. I was told by them to keep a payment coming in and April we will deferment the past payments. Now they tell me it's on repo list. It will now take over 3000 dollars to save it. When just 2 weeks ago they told me make another 924.00 payment and the deferment will take care of it. Well today I'm told all that wasn't documented in the minutes and I'm stuck.

On April 5th at 3:19 am a man came to my door banging and yelling. I'm hard of hearing so I did not hear it until after 3:30 am. I went to the door and looked through the peephole, my daughter came behind me and said this guy has been yelling "Mike we are coming for you, you need to pay up. We are here for your car". All the neighbors were up. I had no idea what was going on. My daughter was extremely disturbed due to the fact that it was only her that heard the knocking and yelling. She was especially frightened when he used my name. I only realized what happened when I went out to the parking lot and found my car gone. These were some pretty heavy tactics to retrieve a car, I've never heard of a repo person approaching the client at the door or 3 am in the morning.

I bought a car that was financed through Santander. I paid on the car for 3 years. Last year I got sick and was in the hospital for 7 months with 4 surgeries. I told Santander about my situation and continued to make partial payments every month. I was only getting 60% of my pay. They did not care and wanted their money. They charged so many late payments every month PLUS $13.95 per day! Every payment I made went to interest only. I now owe a lot more than I originally bought the car for. This is ridiculous. I want to file a class action suit against these crooks. Anyone want to join in? I will be contacting the media next week.

I bought a car from Broadway Chevy. It was a 2016 Chevy Cruze and financed with Santander and made a payment. They said I was past due. I ended up giving the company a total of 1400. My payments were 628 a month. Count it end of September. First payment was due November 6th. They stated that I never made first payment and then it went to collection. I paid 27k for the car. After making all these payments I owed 29k. I have no idea why this happened. Customer service said they had to look into it. I stated to surrender the car because of all the reviews and they said ok. Never picked up the car. After that I get served papers for this car and have to appear in court. At this time I'm upset and try to work it out. They stated I owed them in January 1900 dollars. No idea how this happens. It's a terrible company and now they finally took the car. As much as I don't want to hurt my credit I will not tolerate this situation.

Needless to say The Office of the President and its staff are just as useless in resolving a serious situation. After I took a vehicle home from a dealership, which will not be addressed here, I started to receive credit denial letters. Naturally these take approximately 30-60 days to arrive. I had an insurance situation with a vehicle and I needed to trade out of my vehicle and into a more insurance friendly vehicle if you will. In June-July 2016 I started going to several dealerships, perhaps 5 in all. My loan application was denied multiple times, and at the time not understanding that dealers "shotgun" your application, I took a hit of nearly 20-30 credit inquiries in that month time period.

I just recently learned that my maturity date for our car has been changed by Santander without our knowledge. It went from 5/19/17 to 2/17/18. Who does that when my signed contract is indicating last payment of 5/19/17? I also noticed that a lot of my monthly payments they have received have not been deducted from the balance I owe. I literally just printed my payment history from their own website under my account and the balance does not change and it is showing I still owe them $11,000? They will be hearing from my lawyer really soon. This company should be shut down!!!

Some Mercedes 7 gear auto transmissions apparently broke down around 70,000. Mine did, but Mercedes dug their heels in and would fix it without the proper codes. I made a short film about the problem showing the problem, dropped off the car and footage file. It still took forever. What they got back, was a vastly improved car, and they wanted twice what it was worth. Will avoid them as possible in the future.

I purchased a 2011 Chevy Cruz sticker value $14,000. I've paid on this vehicle for 2 years and my principal value only decreased $200. I've been paying more than my monthly payments. I had a death in my family which set me back a month. My monthly payments are 391 and I made a payment of 420 which is what I told I owed. The next month comes and I pay my regular 391. I receive my statement that showed I owe 100+ in fees??? HOW? I paid the fee only to see the fees on the next month's statement. REMEMBER THAT I'VE PAID 420 EVERY MONTH WHICH IS EXTRA, WHERE IS MY MONTH GOING?

I got a 2012 Nissan Versa at Foothill Ford in North Carolina. Financed it with Santander in 2013. I was late with a payment. They charged me an interest rate of $5.70 a day. I am paying twenty eight thousand dollars for a vehicle that was worth twelve thousand new. Every time I talk to Santander on the phone they tell me I'm still making interest payments. This company is a rip off.

My car was paid off as of February 19, 2017. My car payments came straight out of my account on the 30th of every month. Mind you I paid it off in February. So they still take a payment for March. I call to get my money refunded. Last week they said they didn't show the payment in their account. So I call my bank and the bank calls them on 3 way. All of a sudden my payment is showing up in their system. No they're telling me it's going take 30-45 days for the money to be returned to my acct. I will definitely spread the word about this horrible banking. And never will deal with them again.

Purchased vehicle 4 years ago. Sought to pay off vehicle early several times. Both times the pay off amount was more than what it would be if I carried the note full term. Unbelievable. I have tried to reason with these people - but obviously THEY DO NOT CARE. So I have a solution - let's all get together who have been harmed and file a class action suit. There is strength in numbers. Everyone can contact me and I will lead the way!!!

This company never ceases to amaze me. I paid off my car loan. I mailed the check 1/23. As of 2/24, the check had still not been cashed. I placed a stop payment on the check on the advice of the customer service rep who told me they did not have it. I was trying to close on a loan. We settled it at closing and the closing atty sent them a check on my behalf. Of course, they cashed my check and the check the atty sent. Thank God I placed the stop payment. Then they call me when my check was stopped asking how I was going to take care of it.

I sent a letter to the company in December 2016 asking that they explain what the fees are that they charged me for the month. I received no response. I paid half of my monthly payment and sent a letter with the payment asking if I could split my monthly payments in half. I received no response, however, they cashed my check. A few days later, they repossessed my car.

I used to talk good about them for almost three years in a row... until a Spanish speaking department wrote on their notes that I didn't want any mail or correspondence sent home... not true. Also someone said that I didn't want anyone calling me... not true again. Apparently some of these Spanish speaking persons months back used to make a lot of mistakes when they used to talk to me. Like they used to say different amounts owed... then later they came back to normal position saying the actual amount owed. Some females from used to say things that weren't even related to business... No more talking good about anybody... What they are is what they are.

When I want to make an additional payment against the principal is has always been a nightmare. I call Santander Consumer USA and tell I want to do an additional payment against the principal. Santander accepts the transaction, asks to stop the auto-pay, confirms that payment is set against the principal, and tells this will take about 3 business days to be updated in the system. After that you can set up again the auto-pay. So far so good. Three business days after and nothing has been done and the nightmare begins. It just delays your next payment but it is not set against the principal. I call again and then another person says they will ask to put against the principal. In the meantime I cannot put it back on auto-pay as my next payment due date has not been updated correctly.

In March 15th of 2015 I purchased an 2007 Jeep for $15,000. I paid $3,000 down and after 2 years of payments they repossessed my vehicle. They said I was 110 days overdue on my payment and that when I complained with the Better Business Bureau that I was now due after repossession 140 days past due never was 110 days past due. I may have missed a month because my hot water heater went out and other payments. I am disabled, a police officer and I'm not going to let this go. This company has to be stopped. There is no way that anybody can pay off a vehicle with this company. They are loan sharks.

So, long story short, they serviced me with an illegal vehicle loan. They "claim" they tried to get hold of me to make payments on the car - they even went as far to say they had some letter certified and mailed. Guess what? Never happened. They forged my signature on paperwork just to come after me. Repo companies started calling constantly and harassing me, my family, friends, and neighbors. Absolutely despicable. I was beyond pissed and I knew I was in for a fight, so I retained an attorney and with my mom's advice (she knows a lot about consumer protection laws) I dug my feet in and fought back. It was very personal with them. They were trying to ruin my credit (which they did for a short period of time) and ruin my life. I wasn't laying down for these scumbags.

I absolutely hate working with this company. I called them and they told me that I could set up weekly payments of $172.91. Mind you my monthly payment is $272.91. They claim that I'm past due and owe them 1k. I called and set up payments with them over the phone. They went to take it out and it got returned, I had the funds in my account so not sure why. Then the other day, I ran around to make sure there was more than enough money in my account to cover the payment.

I purchased a 2013 Volkswagen Jetta SE in February 2015, sticker price was $17,995. After paying my first payment, I realized the payoff balance was $27,995. WOAH, first red flag. After paying on my car for about 6 months, THE BALANCE STILL NEVER WENT DOWN, that's the second red flag. My family had some personal issues come up and came short of money. I called Santander to talk this matter over with them and the rep told me I could hold off on paying for 2 months, that she would waive the fee, thought it sounded weird, but I agreed. WORST MISTAKE OF MY LIFE!

Contact ktvu news station for help with this. Everybody who has been done wrong by this company - this is crazy and a class action suit is being looked into so if you want to be apart. That's great!!! I'm going through the same thing right now and they will not get away with it. Everyone needs to know what's going on. Stop posting and do something. They are horrible!!! Class action suit.

I wanted to open a checking account online with Santander Bank. As a part of the verification application asks to answer personalized questions about one's recent financial or personal activity. There is nothing unusual about this - every online bank has this process of identity verification. What was unusual is that every question presented to me was not about any of my activity, i.e. all choices were a total miss. Having failed in that, bank asked me to upload pics of my identification. I uploaded US Passport and my state driver license. In a couple of days I received a notice of a denied application based on inability of validating my identity. With a Santander Bank, I wasted my time, put a blemish on my credit report, and gained nothing. Bad business!!!

Great people to work with, friendly tellers and great customer service. The only thing we didn't care for was the long process of the application. We have 800+ credit rating and some of the things they make you do is not necessary... often repetitive.

This is the most horrible company ever! I bought a car last year in August. My payments were $241. I started paying on it in September because that was the first month I was told to start paying. 7 months go by of me paying my car payment and one night they come and take my car. Because I owed them $1,495!! I had been paying on the car for those 6-7 months! Turns out they only received one payment from me. When I called and asked why my account said past due they said the account hadn't updated itself so I made a payment over the phone and they took that money out of my account. Every other time I paid my car payment I paid online and it was confirmed I paid. But when I go on my account nothing is updated and I'm still behind all those months! They tell me I have to pay a certain amount to get the car out. I have no choice because all of my belongings are in that car.

This is the worst company. They rob you for all your money. I bought a car. Sticker price was 10,000 not realizing the contract I signed would put me in debt for the rest of my life. I have paid my car the last 6 yrs with a maturity date of Dec. 2017 to find out I have so far paid 16,000 to interest, 4,500 to my principal. My 4,500 down payment went straight in Santander pocket. Nothing went to the principal of my car and they're telling me to date I still owe them 8,000. This is insane. How have I paid 25,000 for a 2005 Nissan Altima and still owe 8,000 when sticker price was 10,000.

Literally THE WORST BANK in my life. The bank has lost track several times of my international wire-ins (After my persistent calls they were unable to find it). Now that I requested a new card, the representative completely changed all my card info without telling me so I was unable to use my card and keep getting rejected. I'm so furious with this bank and going to change to another tomorrow.

Please do not get financed by this company. They prey on people with low credit. I got a loan for a car in 2012 for a 2011 Nissan Sentra. I was desperate because I needed a car to get to work. The car was already overpriced at 15k by CarMax. 5 yrs later paying religiously $360 a month I still owe 6k. Apparently I made a deal with Satan, the devil Santander, my interest is 10k. Just sickening. I feel so stupid now. So please make sure you read all the fine prints with this company. Actually if you are on here trying to read reviews it is because you sense danger. RUN FAR FAR AWAY. Do not do business with this company. PLEASE!

Never purchased a car from the company!! Consistently harassing me about a loan I've never had!! You people must be desperate because you owe the bank 10 million from fraudulent accounts you have! But guess what. You won't be receiving a dime from me! Do me a favor. Just go bankrupt and leave innocent Americans ALONE!! If you contact me again, you will be giving me a car because I will sue your ** to the fullest extent of the law!!! And this is a threat! For the last time leave me ALONE!!!