Santander Consumer USA Opiniões 344

DO NOT FINANCE WITH THIS COMPANY!

Financed my truck with them 2.5 years ago. They were okay at first, but then they became lazy and payments I was making from my debit card weren’t updating for days. Fast forward to now. That isn’t even my main complaint. Fast forward to now, I traded in the truck for a different vehicle almost a month ago. The dealership agreed to pay off my loan and sent the check out 3 weeks ago to Santander. It was confirmed as received and signed for 2 weeks ago, yet Santander are refusing to update the balance on the loan! They keep telling me payment has not been received, when in reality I have proof that it has been. The customer service is useless, they just keep telling me payment hasn’t been received and to call back in a few days. Absolute fraudsters, please finance elsewhere if possible.

Representative sounded like she was drunk or high on drugs. Kept repeating herself. I finally asked if there was anything else she needed since I already had my answer. Finally said goodbye to her and hung up

I was working on setting up my account. I tried to verify my account. Your system claimed I input the wrong verification code even though I had it resent multiple times. After the third time of entering the code exactly as it was sent to me, I was locked out then had to remain on hold for over 15 minutes. What a stupid mistake by a negligent company. Why would they make it so difficult to collect the money I am trying to give them?

Thank you for the opportunity to finance our new vehicle at a lower interest rate.

Absolutely awful. Do not be one day late or they will report you! I will be refinancing out ASAP! This place is evil!

Everyone that helped us to get the loan, were great! They were friendly and also professional! I would definitely recommend to others!

My car was totalled and finally paid off when my gap insurer sent a payment three months later. Prior to that, I learned very late that my balance had not been paid off and made a payment arrangement for the $1K balance until insurance finished its job. Regardless of the commitment to pay and multiple conversations to sort my situation out, Santander reported me to the credit bureaus. Eventually, the car was paid off but ten days after receiving the payoff, Santander said my gap insurer stopped its payment. Untrue, as the gap insurer denies this and has no record of a stopped payment. Last week, they added the $1K balance and charged me another monthly payment. Customer service has no idea what is going on and I'm struggling to find a solution. It's been an absolute nightmare and I'm waiting to hear about a class action lawsuit so that I can join in.

Update from 12/22/2025.
After posting this review, Santander's executive team contacted me with a final payment amount to settle my account and contact the credit reporting agencies to remove delinquencies. The account was finally settled. After being told in October that my GAP insurance payment would result in a $1800 refund, I received a refund card in the mail for $1.33; that same card has a monthly fee of $4.95.

Duplicate. Emails and text that are confusing
Answer one then in a few days similar

They generate my bill on the 15th when it's actually due on the 5th, secondly they charge me an additional $3.95 to call in and make a payment using my debit card which is federally illegal. After they reviewed my rating they asked on here instead of reaching out to me directly proving the point of other ratings. I'd also like to add I've called in about the concerns I've had about them generating my bill early before and I was wrong according to them despite I believe I was correct as far as the $3.95 extra charge to pay by phone, they are definitely doing that through a third party and it's illegal. My car is almost paid off so when it is I will receive my title and will never accept another offer from them when purchasing a car. My interest was high and a daily interest of almost $5 a day so they definitely ripped me off. I feel they took advantage of me not having a car and bad credit. I put a large down payment down at the dealership with family friends discount from Nissan itself for rebate. My 2020 versa is $410 a month for 6 years so that definitely tells you my car should already be paid off because I purchased in 2020 during Covid time. I needed a car badly that I didn't want to break down etc.. having a family a reliable car. This agency is a predator and I understand I did this to myself but definitely warn others not to go this route even in desparation because they will not do what is right by the customer.

Website hard to find information you are looking for. Payment didn’t come out on day set. Still trying to figure it out. Not user friendly

No me atienden las llamadas y no me solucionan un problema que por error pagué 2 veces una cuota

THE WORST FINANCIAL INSTITUTION EVER!!!!THE LAST 5 SANTANDER CUSTOMER SERVICE REPS INCLUDING 2 SUPERVISORS HAVE NOT BEEN ABLE TO ACCESS MY ACCOUNT OR PROVIDE ME ACCESS AND THEY HAVE ALL HUNG UP TO AVOID A BAD REVIEW. HERE ARE THE REP. IDS. 639656. 756323, 622553, 818796, 818687. I WILL REPORT THIS TO THE USA FEDERAL TRADE COMMISSION SINCE IT IS ILLEGAL FOR A FINANCIAL INSTITUTION TO BLOCK AN ACCOUNT HOLDER ACCESS TO THEIR ACCOUNT. SANTANDER HAS CLEARLY TRAINED THEIR REPS TO HANG UP ON CUSTOMERS. SANTANDER ONLINE REVIEWS FROM CUSTOMERS HAVING THE SAME ISUEES ARE HORRIFIC AND WILL BE PASSED ON TO THE FTC. SANTANDER HAS WASTED DAYS AND DAYS OF MY TIME TRYING TO ACCESS MY 2024 AND 2025 ACCOUNT DAMAGING MY INCOME!!! I WILL SEEK DAMAGES THROUGH THE FTC FOR THIS ON GOING ABUSE.

The costumer service was great, knowledgeable people working with, kind and considerate, employees!! Would definitely recommend and look forward to coming back and doing business again

My very first interaction with Santander was me receiving a strange letter in the mail from a company I never heard of. I signed up for financing through Tesla for a new vehicle and apparently Santander holds the loan? Still not even 100% sure of that. The strange letter informed me that I am "not currently on a period of active duty military service" (I am, and have been for 14 years and 11 months as of yesterday). The letter further informed me that I am not covered by SCRA. Okay....? I never applied for anything of that nature and barely know what that is. The letter ends by instructing payment be sent to a Santander P.O.Box. Payment for what? What is this letter?? What is Santander??

Later I received pamphlet in the mail about how to access my Santander account online. This is when I decided Santander must be the loan holder. Maybe?? I followed the instructions to create an account...and that's been going poorly. Every page loads slowly and errors out on most attempts. After several failed attempts I finally managed to create a username and password, and received an email confirmation, only for the website (and app) to refuse to let me login with the username and password that I created. "There was an error with your request." "We did not recognize the User ID and/or password..."

What kind of company is Santander (I honestly still don't know) and why does it suck so bad? So far it seems wildly incompetent.

My vehicle was repossessed and transported to an auction/storage facility. While in Santander’s (or its agents’) custody, the odometer increased by ~25 miles—miles that were not on the car when it was taken. That means my car was used after repossession, documented by GPS/APP connected to the vehicle.

I have called Santander a few times now, first when I was ready to pay off what is owed, I was told they’re “Not responsible” for what happens after repossession and that there’s “nothing they can do” unless I pay off the loan and take the car back. Meanwhile, the auction is set for Friday, and this still hits my credit. No investigation, no intake records provided, no accountability—just pass the blame to the repo/auction company and push me to redeem the car after it was driven by someone else.

This is unacceptable. At a minimum, I expected:

A halt of the sale while they investigate the mileage discrepancy,

Chain-of-custody and intake mileage documentation,

A good-faith resolution that doesn’t punish me with a damaged asset and a credit hit.

Instead, I got stonewalled. I won’t “buy back” a vehicle that was used under their watch. I’m filing formal complaints and disputing any negative credit reporting tied to this mishandled repossession, and getting myself a lawyer.

Bottom line: If something goes wrong after they take your car, expect finger-pointing and zero help. This experience shows a complete lack of care, transparency, and responsibility. Avoid if you can.

How smoothly

How many times can I be locked out of my account, password is correct and then it asks for a one time code, try email get the code and enter it and boom says it's wrong. Triple check it and do it again, wrong. Text me a code, I get it and put it in and it says it's wrong.

Try doing the one time passcode login, enter my social, says it's wrong....I've never had such an issue with any other bank/financial institution.

Customer service person was great helped me with questions and setting up my account . He gets a 10 for excellence.

***Update 9/ 15/2025***My issue was resolved with Santander. I spoke with Krista from the Executive Office. She was very helpful and understanding. She actually treated me like a person and not like a " number or just another customer " which was very much appreciated. She even discussed with me options to handle something that I'm facing medically in the next couple of months. This is all that we want. In this world it's not that we don't want to pay our bills sometimes things happen I thank this lady again for her time and prompt attention and patience she has been very helpful and exceeded my expectations.

I entered a payment agreement with this company paid the first 2 installments. Today I get an email saying that I was behind on my payments. That's impossible if I am abiding by the arrangement they set. To make a longer story short, they wanted me to pay them 693.75 today. I spoke to 4 different agents saying different things. 2 agents told me to pay 473.15 which would be Septembers bill. Taking off that extra fee that I had no idea existed. ( I kept getting disconnected that's why the 4 agents it was them not me) The last one was very very uncut. From India or something telling me that after I paid that I needed to pay more money. I just paid 591.00 on 8/27 then again today 9/4 I paid the 473.15 they asked. What happened to the payment arrangement? They kicked me off of it and made me pay everything upfront with added fees. Then wanted to act as if I didn't know what I was talking about. Telling me that I didn't pay when clearly I have receipts it was paid through their system and it was recorded. The way that customers are treated is ridiculous. I would rather walk before I choose Santander as a finance company again.

Oh yeah they still want me to pay more money on 9/30/25!

1) Collected 3,385.00 of my money plus went every where to see where I got my money. Then came and removed the car and said maybe the bank got it.