Santander Consumer USA
Reviews and Complaints

I implore anyone that is trying to finance anything to not finance with this company. My car has been paid off since November 2024, the title has been available since January 2025, but I have yet to receive it. After countless calls, after countless hours of waiting on hold, and even getting hung up on now when I call, I've gotten nothing but lies from these people. I've been told that my title has been mailed at least 10 times now since March 2025. I've even made it as far as escalating the call to the Executive branch where Lakeisha straight hung up on me. They got their money.. you get nothing. I wouldn't finance a toaster through this company. After this, I've looked at their BBB report and they've received 2,300 complaints within the last 3 years. This company is a scam. They take your money and screw you over.

I have applied for an auto loan twice (well the dealerships I have worked with applied) have approved me and by the time I get ready to go sign the paperwork they decide I need a co-signer because they refuse to accept my disability income. Denying my disability income is against the law! I’m not trying to buy a new car because I want one I have no choice but to buy a car because another car slammed into mine totaling it. What a sad excuse of a bank. I’m a single mom of a special needs child who needs to go to therapy but I can’t take him because I don’t have a vehicle to get him there! I will go to the authorities if I have to!

After numerous calls with the operators telling me that my title was shipped, I have still not received the title. I was told that my title has been available since January 2025. After numerous attempts to get this issue resolved and with escalations to the Executive branch, I am now getting hung up on when I call. After being told it was shipped on countless dates, I was finally told that there was an error on the title, that it had been corrected and was again shipped to me. After what is now months of this, I am getting hung up on when I call and still have yet to receive my title. Santander has received my money.. the vehicle has been paid in full, but I have not title.

I like to file a complaint about an employee. I am a private client customer with over $500,000 in your bank. I was treated for a few months now very poorly by a banker her name is Lori Cashman and N759232. The branch she works in is 475 Forest Ave., Staten Island, NY. She has been harassing my family sending me filthy text messages.& Calling my home with a blocked # I could send you over some copies. I will attach them contact in my children on social media making up lies she calls me when she’s drunk. This is not Professional. I try to get in touch with the manager I did get in touch with him, but he told me he’s no longer with the bank and she was part of the reason he left. He said she’s definitely unhinged so I tried to contact a new manager, and he keeps hanging up on me so I’m coming to you. she has been written up before the old manager told me and he’s the one who told me to file a complaint. I’m going to send you snapshots of some text messages that she sent me. This is not professional, and she should be reprimanded, and I do not want her near my accounts. The current manager is called Luis Wang, but he will not pick up my calls. she’s telling my children that I am stalking her. She needs help and I want her to stay away from me and my family please attached are the snapshots of just some of the text messages that just happened the other day, it's been going on for 3 months' now cursing my family. i can send you copies of the text messages she should not be in that position to deal with people

I am writing to formally file a complaint regarding the ongoing issues with my account xxxxxxx held at Openbank by Santander. Despite numerous attempts to resolve this matter through phone calls to your customer service department and requests to speak with a manager, the situation remains unresolved. The persistent failure to release my funds has caused severe financial and emotional distress.
1. Initial Transfer Attempts: On 12/16/2024, I attempted to transfer funds from my account. Initially it showed that it was being processed and then he bank’s system canceled the request on 12/17/2024 and 12/18/2024 and that was in-spite of calling the customer service
ongoing unauthorized cancellations of my transfer requests. I filed a complaint with CFPB and got automatic response from bank that it was from unattended email address and that someone from bank will reach out to me. 2weeks later I am still waiting. Meanwhile, i am not able to pay employee annual salaries, rent, insurances, Federal taxes and other corporate bills with deadlines.
• If not paid there will be accrual of penalties for unpaid federal taxes and corporate bills.

hi my timothy i have car note 18.54% interest rate the for sale $30000 +$20000 and down payment $3300 = $53000 and now hidden fees i owe with the charge off is now $13450 they had a lawsuit against them for this some thing i call a about this they say no i ask for 1099 C THEY NO not try to help me at all or work out no deal for charge off $13450 !in help i feel bad i cant do nothing about it

on october 2023 i call santander consumer looking for help getting an a payment extension the person who talk to me on the phone told me in the way to gets that extension procesed i have to call my bank and tell them to stop the automatic payment so they dont processed the payment of $382.72 what i did following hes instructions and call santander consumers as soon i get the authorisation from my bank what i did call again and the person told me that everything was fine so FEB292024 the payments were going to be reinstall .today i have a call from santander consumer telling me that know i have the payments of JAN 2024 and FEB 2024 behind because of non payment or failed to make those payments . know im runing behind on my payments and you guys telling me that i broke my contract with you when i call like three monts before looking for your help and know you people gets me screwed i was looking for help from you and know im in trouble because of you guys. my name is Angel De Leon Calderon in case you need more info my phone num is [protected]

I don’t know what to say I’m at a loss of words. My car was repossessed during holidays. Yes I understand I fell behind on payments because I got sick and my significant other passed away out the country. When I tell you I was in love that car, I really was 💔 every time I tried to come up with a plan they said no. Charged loan off before repossessing the car. When they came to get it I was so devastated. That was my dream car. Then I couldn’t reinstate , I could pay what I owed. I were to pay the whole $38,000. Man I want my car back. School is about to start . Work is about to start and I have no car. I wish Santander worked with me I really do

I JUST GOT A FRAUD , I TRY TO SENT MY FIRST CAR PAYMENT TO SANTANDER AND YHEY NEVER RECIEVED WAS ELECTRONIC TRANSFER, WAS 810 DOLLARS, I NEVER SEE MY MONEY AGAIN. I REPORTED TO THE FEDERAL EVERYWHERE. I MADE MY SECOND PAYMENT I CALLED I TOLD THEM HOW I CAN FIXED IF THEY CAN PUT MY FIRST PAYMENT BEHIND, THEY SAID, CONTINUING MAKING PAYMENTS AND THEN WE WILL BE ABLE TO HELP YOU LATER TO PUT BACK. NOW I RECIEVED A LETTER THAT I AM BEHIND AND THEY ARE CHARGING ME FOR BEING BEHIND . TODAY ALSO I RECIEVED A PHONE CALL FROM THEM TO A VOICE MAIL TO CALL THEM AT [protected] GREGORY FROM CORPORATE ? I Dont know anymore i just being in a fraud and now i feel harrased i was paying , now i only back up because my fraud. You trying to work it out and it dosen't help.

They are breaking both finance and Washinton State DMV laws by not providing a release of lein. NEVER DO BUSINESS WITH THEM!

Talking with Manager Alan ID # 90026. Worthless, they need to fire him.

My attorneys will be reaching out to Andrew Carl Strom, Senior Vice President, customer support.

Wow, incomintent manager's, alot corporate BS, the release of lein has already been written, about a year ago, the previous lost it, they refuse to provide me a copy.

How much evidence do you need to get your financing elsewhere?

santander denied a deposit coming into my account claimed it looked fraudulent it was not blocked my account I’ve since spoken to fraud dept several times they are vague at best this has been going on for over 60 days they have given no explanation they said they were closing my account and sending the remaining money in my account $485 is the amount I have requested to close my account and refund the money I believe they think I’ll forget about it

I keep receiving a statement each month of a loan or a credit card my LATE sister had in her name. I am the brother of the deceased. My sister passed 16 months ago. I've called, sent death certificate, I even brought the death certificate to the local branch and my attorney has contacted santander bank. I'm still receiving her statements. The deceased(Jennie Rubio).

I received a loan for a vehicle from Santander Consumer USA back in July of 2019

Fast forward to August 30, 2023 My mom is dying due to heart failure and kidney failure.

I have called and begged for assistance. Extension, deferment, anything to help with my account. The answer! No.

On August 30, 2023 I had just gotten home with my mother from taking her to her heart Dr to discuss open heart surgery options.

No certified letter sent, notice to cure, or email.

They stated that they sent certified letter.

Never received it signed for anything.

Customer service rep said reach out to postmaster. What good is that after you already

Repossed vehicle. I called to see if my loan could be reinstated. The answer No I was advised I had to pay full note on car. They are planning to sell at auction.

They are stating because this is the 3rd repossession that they will not work with me.

Previous to the repossession I had called multiple times asking for assistance to help me with my loan account. No assistance offered.

My mom is dying currently admitted in the hospital and know was just confirmed covid positive.

They have refused to assist me with any assistance! They are now partly responsible for the health my mother is in due to not being able to get her to life saving appo intents and procedures. Know I have no vehicle and I am not able to see my mother who is in critical condition. There are documented records indicating my hardship with my mother and asking g for any assistance. No empathy whatsoever. This could have been avoided.

They still will not help. I have called them everyday and they are not going to work with me.

Yes, I will be specific-This is Olga Garcia and I'm writing this on behalf of Luis Garcia. My father's car was repossessed. I admitted I was out of the country and things got really behind. So, I paid $1550. to get it back 2016 Chevy Impala and I was told that it will take 7-10 business days well it took three weeks and you guys had my father like a yo-yo that saying the vehicle is in a Lot in Sorrento, Fl like 6 times and the office from that Lot keep on saying the vehicle was sold. Comes to find out, the vehicle was in Orlando - an hour and a half drive from my father's house. The vehicle had a full tank when it was pick up from the house — well there was not even a quarter of tank n no plate. An 80yrs old male (my father) drove the vehicle without a Plate and had to put gas because the people that you deal with had drove the vehicle and used the tank of gas. Now if you have people calling me in Spanish make sure they know how to say the words. I also spoke to an English-speaking Rep and told me that the vehicle is not in my father's name and you guys will register in his behalf. Next day a Spanish speaking rep. called, and he said no. I would like to know what the truth and I is having to pay the car note on 25th but the car is not under my father's name so I will be paying for someone else. I really discuss about the fact that customer services is ewe - no communication between you guys and you guys are very incompetent with paperwork and the way you guys treat your customers.

I will never do business with Santander ever again! They gave me a sub prime loan, with extremely high interest on my 2015 Nissan Altima. The vehicle was only $16000. I swear I have paid off this vehicle 4 times by now. I have 7 months left on the $4300 balance owed on the note with my monthly payments of $327.09. That calculation doesn't even make sense. After all these years they're still taking interest from my note payments. I should not still owe this much, nor should they still be taking interest out of my monthly payments, since they took all the interest in the beginning. It has almost been 7 years. I hate Santander!

When we bought this car or had it financed I did not know it was an interest bearing loan. It looks like I'm never going to finish pay for it. I have since retired and may lose my house. Do you have any options for me to at least keep my car just in case I have to live in it? I pay 500.00 monthly and it's to much for me at this time. The car is not even valued that much. Please help me I'm drowning. rosalind heyward1445 rainbow road charleston,sc 29412 acct. [protected]

tel#[protected] Thank you for any help I can get.

In August 2022, I traded my 2004 Chevy king cab truck for a 2015 Kia Optima so my wife could get to her new job safely. My wife and I had never gotten any type of loan. The dealership didn't even use her income for the loan. They only used my income pf lessa than 1k per month (disability) sp I feel as if the dealership and the loan issuer were both under the assumption we would default the loan. Not only did the dealership overcharge us for a 2015 Kia at 15k, the loan servicer then doubled this to 30k. I don't read well and my wife is not knowledgeable in things such as this. The dealership was very aware of this fact when we were signing paperwork. They preyed upon me because they wanted the truck I was trading and because I cannot read. Then they allowed Santander to also prey upon me by not adding my wife's income and all allowing a loan with AA almost 100% apr to go through. Now we are stuck with a vehicle that has a no warranty (they lied about that) and is not even safe to drive! Sop we are in wprse shape now than we were when we went to the dealership and were introduced to Santander. I am writing to hopefully prevent this from happening to others and to see what type of relief Todd Judy Ford and Santander will offer because of the travesty of justice they conspired to carry out! Thank you!

Santander Consumer USA is criminal company that preys upon individuals with financial challenges and subprime credit. In 2017 they had to pay $25.9M to victims in a class action lawsuit that found them guilty of predatory loans that achieved profitable outcomes by predicting the victims would default on their loans and their vehicles repossessed and victims sued for outstanding balances. In 2020 Santander Consumer USA was ordered to pay $550M to victims, in yet another class action lawsuit, for these continued and ongoing criminal acts. Now here it is 2023 and Santander Consumer USA continues to practice criminal activities with intention to financially destroy the victims and their families while obviously continuing to profit regardless of the expense of the class action lawsuits. Santander Consumer USA is a threat to the American people and the economic stability of the United States of America. Not only does Santander Consumer USA provide financially violent, loan-shark-like, terms, payments and interest that consume 40% or more of the victims net income, Santander Consumer USA will continue to financially, and psychologically, violate the victims until there is nothing more that can be taken from them. Victims of Santander Consumer USA are left with no resources to rebuild their lives from the financially violent and calculated attack that first wounds, then guts, then drains the blood and very lifeforce out the victim ensuring they are completely dry of anything else worth taking only to leave the skeletal remains of a once hopeful and hardworking American, human, and creature of God.

I have charges on my bank statement by "Santander Consumer Uselkhorn". On 15th of May at night by local time (in Kyrgyzstan). I provided all the details to Santander and no one wants to help. It means that even If they have a proof that someone used my card they don't care about scammers. I'm not asking to provide any names or details about scammers. I just want to get my money back!
Someone stole my card details and stole my money!
My email:[protected]@gmail.com

I cashed in bonds in the past at Santander. I now have more that are Mature. I was told I have to go on line and cash them direct with the government. I'm 80 yr old and I am not up with todays technology. This puts me in a impossible position. for cashing these bonds. When it comes to this type of thing I turn to my bank for help, As I'm sure many of you senior's do. I can see you putting some restrictions on cashing them. But to out right denied the customer this service puts the customer who has no way of cashing these bond in a position where they need to go to a bank that will do this service. At least the bank can come up with something that will benefit the bank and the customer. for insistence, we cash bonds if you have and account with the bank for at least on year and maintain a balance of $ 10,000 or $ 50,000. because I in a position where I will need to look for a bank that will do my bonds. which may mean opening up my accounts there. I can't do this myself. My name is Daniel DiMarco, my wife Sharon an I deal with your Lawrenceville N.J. branch on Franklin Corner Road @ Princeton Pike.

In July of 2021 I moved from the state of Ohio to the state of Indiana, soon after in August of 2021 I initiated a title transfer request through the Indiana BMV, which was returned and issued by me through the BMV at least 3 different times by December of 2021 when my Ohio registration was set to expire, at this point, understandably the Indiana BMV refused to issue another request form. I was in contact with Santander's customer service and titling departments throughout this process. I did all of the leg work to figure out why the request wasn't going through, I acquired and sent a one and the same letter as Santander had bought out the original lien holder, I contacted the Ohio BMV and the county titling office several times in order to clarify what steps needed to be taken to acquire a paper title for transfer. I sent the correct forms, partially filled in, and black to Santander with specific instructions on what needed to happen, I asked about the possibility of a release so that I could physically drive to Ohio, pick up the title, and mail it to Santander, which they of course rejected. I was on the phone back and forth for an entire year until it was time again to renew my Ohio plate for 2023 because there still wasn't a solution, which I was forced to follow through with to be able to legally drive my vehicle (the only car my family owned at the time). I was told something different every time I called Santander customer service, that the title would be arriving within two weeks to the Indiana BMV and a tracking number would be emailed to me that day, that the request hadn't gone through, that they didn't need the forms I had prepared and done the leg work to track down, even though I was told by both the BMV and Title office in OH that these were exactly what was needed. I called yet again today, April of 2023 only to hear that the title transfer request was cancelled in November of 2022, completely unbeknownst to me. This has been a complete nightmare, literally 21 months of tracking people down, be told incorrect information, zero follow up happening. The customer service rep today basically told me that until my loan was paid off nothing would happen and at that point my title would be released to me. The law in Indiana is that a new residents vehicle must be registered in this state within 60 days, which is literally impossible since I cannot request the title transfer, it has to be requested by the lien holder. I am beyond frustrated, do not choose Santander as your lending company, they do not care about their customers.

I have "direct pay" to my car insurance company with my Santander credit card. I received a notice from my ins. co. that the payment was not received (a threating letter). I called the ins. co. then Santander. After spending over an hour (I get paid by the hour & I went to work late), Jenna @ Santander stated that it was denied because I was over my limit! I had made the payment directly to the ins. co. with the credit card that they did not pay! I have a 10K limit & my acct. was NOT over limit. I hardly received any kind of apology! How can I trust that my bills will be paid?

I can be reached @ [protected]@hotmail.com or by phone at [protected].