Santander Consumer USAReviews of santanderconsumerusa.com

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