Santander Consumer USAReviews of santanderconsumerusa.com

THIS IS THE SHADIEST DEBT COLLECTION AGENCY EVER. MY FIRST PAYMENT IS NOT DUE UNTIL 12/12. I MADE A PAYMENT TO GO TO PRINCIPLE ONLY AND THEY STILL TOOK OUT INTEREST WHEN THE CONTRACT DOES NOT START UNTIL 12/12 WHEN THE FIRST PAYMENT IS DUE. I HAVE ALREADY REFINANCED AND SANTANDER IS STILL TRYING TO GET INTEREST FOR A LOAN THAT DOES NOT START UNTIL 12/12/2025. THE PAYOFF WILL OCCUR BEFORE THAT DATE BECAUSE I WOULD NOT GIVE THIS SHADY CORPORATION A DIME. THEY ARE GOING TO STEAL MORE THAN THAT FROM ME, ANYWAY.

It takes them a very long time to release a vehicle title. When you call they say it's a process and it can't be expedited. It took them 3 weeks just to notify the DMV that the title had been released, then they quoted me another 3 weeks to actually receive the title. Indian based call center, difficult to understand and communicate with.

Do NOT be so desperate that you use this company. The interest rates will eat you alive. You better hope the car outlives the payments. 3 years in and I have only knocked 4 thousand off the sticker price.

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.

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?

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

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.

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.