Santander Consumer USAReviews of santanderconsumerusa.com

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.

Doing excellent job