Santander Consumer USAReviews of santanderconsumerusa.com

If I could put 0 stars I would. We bought a vehicle a little over a year ago and within the month our car loan was transferred to Santander. First issue was within the month found they deleted all our autopay info and showed a month past due. No one even told us the loan company had changed. I only knew the company had changed because my credit took 150 point hit with 28 times being pulled without my permission. We weren’t given any indication of our outrageous interest rate either. We had it set up to split the payment in half making a double payment each month. That barely made a dent and my credit still hasn’t recovered. Beginning of May we were coming up short due to loss of one of our incomes and called to make an arrangement. It began the vicious cycle of always being told something different every single phone call. Never anyone who could understand English and they refused to let us get a word in. They would always talk over us and tell us a manager isn’t available. We called and asked what needed to be paid that day to keep it out of repossession. We paid more than our normal split payment and were told it was safe. Asked what was needed and when next and they said it was safe, nothing upcoming this month but try to pay when we could. Within 2 days I got another text saying it was going to be repossessed. Called yet again and they said we needed to pay the full over 900 monthly payment. We went through the dog and pony show yet again and said we couldn’t do that and we had a payment arrangement literally 2 days ago. Eventually they saw that and the conversation was done. Today it was repossessed. No warning, no need to pay this much by this date, nothing. We called and the first person was useless and just read a script, then the real fun began when the manager got involved. Mind you I’m a co-owner on this account. He pulled up everything and saw the 550 payment made then said we were supposed to pay the over 900 by the 15th and we failed to pay the agreed upon per a phone call 2 days after the 550 payment. We said that’s not true, the 550 was arranged by the agent on the phone to keep the vehicle safe, repeatedly asked if we needed anything else sooner and no contact was ever made. He kept saying we were lying and when I tried to cut him off by saying to pull the recording he told me he didn’t have to talk to me because “ex wives aren’t authorized to talk about the account”. That’s when I lost my cool and informed him I’m a co-owner of the vehicle and a few other choice words. Is that my most professional moment, no, but I was done. He continued the rudeness and I said we were done with him and to transfer to a new manager he refused and said no one was available but to call back to get a different one. So caught him in that lie. Well we did call back, got him, he hung up on us immediately. Called back again, got a lady even worse than him and said we had to deal with the consumer dept from now on but in 24 hours from now. So guess who has no vehicle to work the only income job. Even the tow truck driver who nicely let us get my belongings out said the same company just repossessed his wife’s vehicle after they refused to pay out the gap coverage after it was TOTALED. This company is horrible and the people are even worse. It’s always been a battle with them and boy did we get screwed from the start.

Poor in creating a new account signing and password

If I could give zero stars I would. Don’t ever do business with this company. I paid off my vehicle in 2024 and have been waiting/chasing my car title ever since. I moved from Florida to Arkansas and made sure all my information was correct. Upon pay off of my loan I never received my title. Every phone call was nothing more than the run around and directed to try other means. ZERO CUSTOMER CARE OR ASSISTANCE. I pray I never ever have to do business with these clowns again and will make every effort not to. Despite my living in Arkansas upon pay off of my loan they released my title to my last known address in Florida and now I am forced to pay the lost/replacement title fees for Florida just to have my title. This company and their customer service is a joke. Find some other financial institution to work with. And yes I did update my address with the United States postal service.

Consumer BEWARE this is a very predatory lender. THE WORST FINANCE COMPANY i have ever dealt with. They don't have "customer service " all they have is agents who are strictly collection agents. They're not there to help their customers in any way. Only thing they're interested in is your payment point blank

In 2024, I purchased a 2020 Honda at CarMax in Chicago to use for my livelihood. Despite having a good credit rating and being a loyal, returning customer with a perfect on-time payment history, Santander USA hit me with a shocking 16.98% interest rate. Because I drive for a living and needed the vehicle immediately, I felt forced to accept these predatory terms. Paying on time or paying ahead means absolutely nothing to this greedy company. They use a deceptive online payment system designed to trap you. When I tried to make extra payments toward my principal balance to stop the daily interest from compounding, the system gave no option to do so. When I called customer service, it was a nightmare: The first representative gave me completely incorrect information. The manager I spoke with refused to offer better rates or terms, never once thanked me for my business, and told me, "You are OK because you always pay on time."To actually pay down the principal, the manager forced me to jump through hoops, requiring me to set up an automatic payment and then manually make an extra payment on that same day. Update (May 2026): Through immense personal sacrifice and strict financial discipline, I used my Social Security checks to make eight aggressive payments of $2,000 each. I have officially PAID OFF this loan and eliminated my debt, saving myself from their predatory daily interest charges. Santander USA targets working-class Americans for profit. While their loans are easy to get, they are an absolute ripoff designed to keep you in debt. Do not finance your vehicle with this bank—find a local credit union or save money and pay cash instead.

If I could give Santander zero stars, I would. Their my account.santanderconsumerusa.com is totally useless if your account has been paid in full, as you will have no access whatsoever to your account info. Their 800 numbers are just as useless, as you will never access anyone. If you enter your last 6 digits of your SSN or your account number and they are not found, you will not be connected to anyone or anything. You will enter your info over and over and nothing will happen. Santander is pure trash. After two days of almost 3 hours trying to contact a live person, I finally was able to talk to one person who is an absolute 5. His name is Winner (did not get his #), and he was incredibly helpful. He was abkdd we to locate my account (that the mechanical person could not), took the time to listen to my request, and to get to a positive resolution. I have been having a very trying time this past week, and was fortunate that Winner answered my call. I was able to have my issue resolved, after being told last week that it would by somebody else and nothing had been done. AI may be the rave, but sometimes a live real person makes a huge difference in the experience we have as consumers. The response contained the same useless number I had attempted several times and where the only response is an automated voice that takes you NOWHERE. The response gets a DOUBLE ZERO!

When I called to speak to a customer representative about my account they instructed me to call back because they were having problems accessing my account. When I called back later in the morning, I would just get disconnected"?"

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