Santander Consumer USAReviews of santanderconsumerusa.com

Tried to claim they tried to contact me after wrongfully repoing my car. Only once. Spoke with the lady, she didn’t care. Stay away from this place if you care about your sanity. They wrongfully took my car, refused a payment plan that was told to be ok. Paying 700 a month when I only get 1000 in social security and took my car. Ruined my credit. I later found through various dealerships that they prey on the poor with 33 state wide class action lawsuits one being wrongful repossession practices. I know now.

Cant get logged in to create an account

They didn't find any thing for me

It has been three weeks that I can't login to my account. It says that my account is locked due to multiple failed logins and to contact customer service. I have been calling several times for three weeks and no one fixes the issue. My car payment is now late because of it, and I don't trust making my payment over the phone with someone that doesn't even speak English. I just called now and still no help from this shady auto loaner. FIX THE DAMN LOGIN ISSUES ALREADY. And to the Santander employee replying to messages on Trustpilot, STOP LYING TO CUSTOMERS. There is no customer service helping anyone but your own damn pockets.

Incredibly difficult lender. I have a different experience every time I log in. Sometimes I have to log in 2-4 times just to access my account. No matter how many times I put in my cell number, it never remembers it. It is also extremely difficult to make payments to principal. I've never had an issue with any lender on being able to make principal payments. All of their support team is overseas and does a horrible job of communicating. I was told I could make principal payments over the phone, and I've been on hold for over 30 minutes now being told I can't. I can pay months ahead and pre pay that interest though. Scam of a lender and I can't wait to move my car note off of them.

Santander consumer USA is the worst financial institution I have ever dealt with. They charge you fees by getting you to agree to an agreement that says you may incur fees. Then at the end of your loan they slap almost 2,000 of extra fees on to your account with not a single statement showing how they came to the amount they charged you. Where I lived was hit hard by hurricane ida we had no electricity for over a month. Homes were destroyed, people couldn't work, businesses were destroyed, I was out of work for over a month after losing all my food having damage to my belongings. I called to get my payment deferred and I agreed to the recorded statement saying I may incur fees. Then a month after Ida came I lost my 13 year old son and had to pay for a funeral also. So I was actually out of work almost 2 months. Had to get September and October payments deferred. A year later my daughter passed away and I was out of work again got that payment deferred. Fast forward to about a year left in my loan I noticed that the amount wasn't adding up. My monthly payment and the amount of months left was about 2,000 less then what they was saying I owed with the extra 3 months added to the end of the loan. I called to find out why it wasn't adding up to be told that when my loan ended in June of 2026 I would have a balance of over 1,800 dollars remaining that would have to be paid in full at the time of the end of the loan. That was the first I heard of this amount being added to my loan. So I'm trying to figure out where they got this number from not one person I talked to could tell me how they came up with almost 2,000 worth of fees for deferred payments. I still had to pay the note plus the interest for the month and then I had to pay an extra 1,800 something dollars to get my title. I had been making double payments every month for about 8 months until I noticed I was being charged interest on the extra payment so half my payments was being eaten up by interest instead of the entire amount being put towards my principal only to be told that the only way I can apply my payment to my principal is if I make the payments on the same day so I lost approximately 2,000 of money to interest rather then it being put toward my principal to lower my principal. They never sent me a single statement with the new balance added onto it they never showed me what the fees were and how they got the amount. I highly recommend that if you can finance with another financial institution you do it. DO NOT FINANCE WITH SANTANDER CONSUMER USA they are the worst.

This has to be one of the worst banks I've ever had to deal with because I purchased a Tesla with .9% financing. They don't have an app online for you to use with auto loans and they do not allow you to set up auto pay with a higher dollar amount than the standard payment. Why would Tesla use a subprime lender for people with excellent credit that get the .9% financing? Stay far away from this bank as you won't get to an American representative and only people of India, who do not understand your questions most of the time. This bank is also known for canceling auto payments and hitting your credit and trying to repossess your car.

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.