Santander Consumer USAReviews of santanderconsumerusa.com

I financed a Tesla Model Y through Santander Consumer USA. I electronically signed all the loan documents at the time of purchase. Santander has never sent me copies of the signed contract or any of the related loan documents. I called them twice specifically asking for my signed loan paperwork. Both times they told me the documents would be sent via email and USPS. Nothing ever arrived. No email, no mail, no portal access to the full signed agreement — nothing. This is basic. When you sign a multi-year auto loan, you are entitled to a copy of what you signed. Santander has completely failed to provide that. I am left without a complete record of the exact terms of my own loan. I have already filed formal complaints with the Texas Office of Consumer Credit Commissioner and escalated the issue with Tesla. Santander’s inability (or refusal) to simply send the documents I signed is unacceptable for a company handling auto financing. Avoid if you value having actual copies of your loan paperwork.

Can’t reach a live representative, made a payment and don’t know the new balance, this bank seems ghetto and ratchet. Why am I still speaking with AI and not a representative. I’m still waiting on a response from 4 days ago

Im trying to login to my account and its like its a glitch. Trying to get a copy of my payment history so I can finish with my gap claim so I can try and get another car

After a week I am still unable to set up an online account (My Account). No help from customer service. Very disappointing.

I have tried several times for them to send me a letter stating that I am current with my payments and they refuse to and always give me the runaround as to when they report my account as current. It is preventing me from trading in my vehicle as everytime they run my credit it shows up as being late when I am current and have the documentation to prove it.

My mom was behind on her payments. She been trying like hell to get on a payment plan. Y'all left my 63 year old mother stranded and took her car after telling her not to worry about the payment issue. And you took it even though it was said you wouldn't. Shady company.

Santander received my $33,507.05 payoff but continues charging interest Santander account number: 29436751 VIN: JTNABAAE6RA014809 Case number: 9465168 I am filing this complaint because Santander Consumer USA received my full auto-loan payoff but has failed to process it and continues charging me interest for a delay entirely within Santander’s control. Santander issued me a payoff quote of $33,475.05, valid through July 22, 2026. I sent a Bank of America cashier’s check for $33,507.05, which included an additional $32 cushion. USPS confirms that the envelope was delivered to Santander’s Carrollton, Texas facility on July 20, 2026, at 2:23 p.m., two days before the payoff quote expired. Santander’s own published policy states that mailed payments, including overnight and certified payments, generally post within three business days after receipt. Santander is blatantly ignoring that representation. The processing deadline has passed, yet my payment remains unposted and interest continues to accrue. I have called Santander repeatedly. Its representatives have been extremely unhelpful, telling me that there is nothing they can do, that I must simply keep waiting, and that interest will continue accumulating in the meantime. I followed Santander’s instructions, paid more than the quoted amount, and ensured delivery before the quote expired. I should not be financially responsible for Santander’s failure to locate or process a cashier’s check already delivered to its facility. Santander’s conduct demonstrates a gross lack of due diligence. Its continued accrual and collection of interest under these circumstances appears to be an unfair and potentially unlawful business practice. Santander is financially benefiting from its own processing failure while refusing to offer the customer any meaningful assistance. I demand that Santander immediately locate and process the $33,507.05 cashier’s check, credit the payoff effective July 20, 2026, reverse all interest and fees accruing after that date, refund any overpayment, confirm that the account is paid in full, prevent any negative credit reporting, and promptly release the vehicle lien. I have provided Santander copies of the Santander payoff quote, the cashier’s check, and the USPS delivery confirmation. Santander has clear evidence that it received sufficient payoff funds before the quote expired. There is no legitimate justification for continuing to charge me interest.

The gentleman who helped me make the necessary changes to my Santander account was very patient and reassuring and professional. He did a fantastic job!