Santander Consumer USA
Reviews and Complaints

I purchased a vehicle from car max june of 2016. I was alone I have never bought a car without another person present and have never done the talking. My credit score was 630. I was given 2 offers, one of them was from santander consumer us. The car was 21000. The offer from santander was 24% interest rate for 6 years, the second offer was worse. I was going to turn them both down. Jose, the salesman, said that it was my credit score and I wasn't going to find much different elsewhere. He said that car max had a customer "buyback program". That I could buy the car, make payments on it for a year which would bring my score up and then in a year when I brought the car back, car max would buy my car back from me and get me into a new vehicle with a lower interest rate. That is exactly how it was explained to me. I thought that a year wasn't too long to commit to the payment and I accepted the loan. The only reason I took the loan was because of what I was told and because it was my understanding that it would only be a year. I registered to access my account with santander online a month later to make my first payment. One I got through providing my information and signed on, the very first page showed my mothers name. Since my mother was not on the loan, I was confused. I clicked on the account and was even more confused. It was for a car loan my mother had co signed on back in 2006.in 2009 I lost my job and defaulted on the payment so my mom told me to just give the car back. Santander wasn't the bank that financed that car. It was hsbc. I thought maybe I was mistaken so I called my mom and she said I was correct, that it was hsbc. I asked if she ever received anything about a merge with santander and she said she had not been contacted on the loan since 2010/2011 and had never heard of a santander in relation to that loan. I went on the internet to see if there was a company merger between santander and hsbc and found out that shortly after I lost the car in 2009, santander bought a lot of hsbc's auto loan debt. I called my mom back and asked her if she ever received a notice about the loan debt going to santander. She said she never heard of the company, never received a notice and never dealt with anyone but hsbc. I started to question if my interest rate was that high based on that debt, not just my credit score. It was concerning because I would have never signed the papers if I was aware of that at the time I entered the agreement, regardless of the buyback program. I would have been too suspicious about the high interest rate being an attempt to collect on an old debt and I would have walked away. So I immediately called carmaxx and explained the situation. I asked if there was anything I could do because that should have been something I was told. The manager on the phone said there was nothing that could be donesince it was already a month. I asked her if the buy back program took cars before the 12 months if the credit score was improved. She asked what I was talking about and I explained what jose told me. She said that they didn't have a "buy-back" program. That I could always "trade-in" my car, or at any other dealer, but a year would probably be too soon because the car would be upside down on the existing loan. I was pissed. I know what a trade-is and I know how they work. It is not what he said because had he explained it as a trade in I would have known it would have been upside down. He explained it like it was a program exclusive to carmax customers that my loan was going to be bought back and I was going to be put into another car with a lower interest rate. My comprehension is above average, i'm not slow. I sell insurance for a living so I deal with agreements all the time. I was lied to. And i'm sure I am not the only person. So I called santander.. Alot, I have the audio recordings of these calls, some of them more than 1/2 an hour long. I was transferred to the office of the president division and talk to them a lot. A waste of time. I stopped paying on it. Then around may I spoke with a lady who said that the car was charged off but that I could sign off to have the debt reduced to 14k I just had to pay 200 up front and then the lowered monthly payments. I agreed solely because of the debt reduction I was over dealing with the car. I was pregnant at the time and I was hospitalized around the time of that agreement, I spent the rest of my pregnancy sick and lost my son a week before my due date in october of 2018. I had a hard time getting past that, was diagnosed with clinical depression and ptsd as a result and the car was the least of my concerns. I havent heard from santander, noone has come for the car, I still have it but havent driven it in 2 years, its not even registered. I'm a single mother. The loan has destroyed my credit. I wasn't able to get help or credit I needed to get through the worst thing I have ever had to go through. The loan has caused a domino affect of problems the damage it's caused has been harmful. Its prevented me from keeping my head about water. They are a bank it would have been nothing for them to do the right thing. So now I don't know what to do. I'm an independant contractor and cant work because of the shutdown and havent been able to get approval on the loans and my unemployment claim was denied. From what I have seen around the internet, they havent been a very good company to a lot of people and they need to stop preying on people who are living paycheck to paycheck. I don't sell products that I don't believe in and I don't think money is worth more than the value of my word.

These people are screwing hard working Americans daily. I bought a car in April 2019 and today after 9 payments of nearly 450.00 a month they have nurve to tell me I owe more now than what my contract started. Started contract in April 2019for a whopping 17, 330.00 and now after 9 payments of nearly 450.00 a month they told me today I owe over 18, 000.00. Now how the f**k is that possible?. Where the hell and what the hell did the nearly 4, 000 go to? F**k this low life [censored] company. Don't use these con artist.

Charges that are unfairly added to my payments with holding my payment a day or 2 after I'd make a payment on time so that they could add interest fees on top of the car loan that some how is almost the price of the car loan the total cost almost doubled I never missed a payment and when I signed the paperwork for the car at Frank Kent I was told that Santander would send me the copy's of the paperwork in mail tryed for a year to get the paperwork from both frank Kent and Santander they would say its on its way then never got anything no information about the car was ever given to me about 4 days after I bought the car I had went to the dealership and ask to speak to who I bought the car from and I was told he no longer worked there and that they can not help me because they wasn't the person who sold me the car that I'd have to call Santander so I did many times without any luck so I pulled up my credit report in order to find out information about my car loan and found out that they was charging me 17.8 interest when I bought the car the salesman sold it to me with a 7 percent interest at a monthly payment of 532 a month for 74 months the car was brand new I'm the first owner after the down payment I owed 22, 000 and payment 534 a month for a year and they only applyed 1100 towards paying off the car all the rest was being applied to the extra 10 percent interest that was added to the 7 my credit score has suffered from the with holding my payments a day late and I was told if I turned the car back I'd never be able to buy new car after having a big hit to my credit so now instead of a 22, 000 74 month pay off I'm lefted with a endless nightmare and a 48, 000 pay off . Can you please help me expose them for the criminals they are. I'm young this was my first big Purchase and I was screwed over by a misleading sales man that disappeared with all paperwork on my car and a left me with a company like Santander with out any info to bleed me blind .

In October of 2018 I purchased a 2019 Hyndai Accent from the Hyndai Dealership in Las Vegas, NV
I traded my Mercedes Benz Truck and was given $1,000.00 towards the down payment which should have been applied to the purchase of the accent then there was supposed to be rebates on the accent so the car should have been sold to me at a lower amount instead the way the numbers we're implemented in the contract the balance came to $20,000.00 and I was given 45 days to make the first payment I didn't receive a coupon booklet, a telephone call, or a letter informing me of where to send my payments to it dawned on me one day that 45 days had pasted by so I called Darelle the finance manager and I asked him for a telephone number to the company that financed my car he gave me the number to Santander, Consumer USA I called and spoke with one of their customer service representatives I gave them my first and last name and the last 4 digits of my sociol security number the customer service representative stated that I was almost 1 month past due on my car payment the payment is $531.00 so walking into the loan Santander wanted a double payment I replied no mam this isn't my fault that Santander had the wrong address/information she stated that she would make a note of it but still wanted the payments I paid the first payment I recall in January then after the payments we're made I continued to run at least 30-60 days behind Santander charged me astronomical late fees I made several payments through my debit cards over the phone payments and through my America First Bank Account. On my experian credit it states that my balance is $19,463.00 dollars and I've paid $10,000.00 plus my balance hasn't went down only about $600.00 of my hard earned money has been applied to the loan. Santander has caused me major headaces calling me over excessively, sending letters in the mail of wrong balances due, and placing wrong amounts of balances due in there automated system. I sent Santander, Consumer USA 24 pages of my credit card and bank statements and we came up with a resolution I begin to pay them the money they said I owed I also had a death in my family but I still continued to pay them for about 3 weeks straight everytime I made a payment of $288.00 once a week starting from the end of February 2020 I called Santander to discuss the balance due to make sure we we're on the same page as far as the balance due we confirmed that the amount was the same and that my account was being closer to becoming current so I felt I didn't need to call Santander repetively because we we're on the same page I called them about 1 week and a half ago and they told me that even after I made a $300.00 payment I would still owe around $1,007.00 I said no I dont my balance is only $643.00 and it shouldn't be this amount according to all of the money i've given you. I requested an account ledger months ago that shows how much i've given Santander and the Company failed to send it by email or the US postal mail. I asked them once again to send it by mail only I don't trust the company in the way they do business!. I desperately need someone to help me this isn't a good company they take from the poor to middle class people and stress them out with phone calls and threats in regards to money owed and repossessing the vehicle. I'm requesting all of my money back and more for all of the headaches, pain, and suffering santander has caused me also it states on my experian credit that my account is deliquent everytime I try to apply for a small credit card such as wal-mart I keep getting denied. Please someone in the legal field please call me right away at [protected]?.

Bought a 2012 avenger almost 5 years ago and the total doesn't seem to be going down. I been paying extra each month to get caught back up but it doesn't seem to be doing any good. I owe more then the car is worth and have to constantly put money into the car Interest rate is high. Having a hard time getting out of the car. Could use some assistance with this matter
Amy Dauss
[protected]@gmail.com

I bought my SUV about 3 years ago, I have a extra 400 dollars added on that I never saw until I tried to do a payment arrangement. But according to santander when I told them thAt the amount wasn't correct; I've never knew about that money.I was told thAt the monies can be added to the balance of the loan and I can pay it later. One minute I check my payment history it's says I'm current, I check it the next minute, I'm passed due.I'm just so over this rip off of a bank financial company. They need to be stopped

I purchased a car with Santander in 2013. I just received notice from my credit monitoring that I had paid 40% of my car off this Jan in 2020. I have paid $36, 000 on this car since 2013 on a $24, 000 car with $13, 000 more to go by maturity date in August 2020. Wow is all I can say. Yes when I got the loan I didn't have the best credit but now I do so not coming up with the money to pay off is not an option. Any class action lawsuit I'm on board!

My husband and I bought a car may 2013. We borrowed 26, 000 loan has matured and we still owe almost 16, 000. It should be illegal for this company to be in business. I understand my credit was poor and I was going to pay a higher interest rate. It was never explained to me that this was a sub prime loan or what that meant. Please help me and all the other victims of this company.

I began business late sept 2016. Since then the car was repocessed 2 times. First time due miscommunication via dealership. Called in october of 2018 for a deferment due to being laid off and was denied. Needless to say I was offended employment last week and car was taken. I was denied the ability to retrieve my vehicle after being told that I had to wait for a manager approval to get the car. I have one year left in the loan without an option to get the car back

Car was stolen. Told them that wherever they found the car I wasnt notified that it was found therefore the car was repossessed without notification. I was mislead over the phone to finding my car. Car was repossessed unfairly now it's on my credit reports. I'm disputing as much as possible to get it removed from all of my credit reports. Contacted them recently about car to see if they would remove it from my reports.

To whom this may concern,
I Valeria Randle, am making a complaint against this loan company. My husband Eric Randle, is a Florida State officer. My husband has been out of work due to a back injury. My husband is a public servant and a protector. My husband has gotten behind on his car note due to his back injury. He has made contact with this company's customer service associates. The associates that he has talked with concerning his situation has fail to make note in the computer according to Mario . Mario is a manager and was very rude to my husband and myself. We were attempting to talk to a supervisor in hope to find out how we can get my husband's work car back. This company wants to keep my husband's ar for less than 2, 000. I tried to explaint to Mario that The money has become available and we ar able to pay the car note up. He was nasty and talked to me like I was trash. I found that very offensive for any bussiness. He didn't and wouldn't let us speak to anyone higher than him.I would think this company would try to resolve the issue by letting my husband work out some type of plan to get his car back. After all the car has some issues but we were in the process of having the car fix.
My husband also have all his documentation from the doctors that he's out of work on medical leave.
I may be emailed back at [protected]@gmail.com

I purchased a car in 2013. It was a used 2006 Toyota Corolla for 10k. For 4 years i made payments of over 9800 on that loan with Santander and it on took 1900 off the principal. It should be illegal the way they take people's money. They are stating that I still owe 7663. Can someone please explain how?! This company should be shut down. I am one complaint out of millions and they are being sued left and right. I really need help breaking free from these vultures.

I received a car loan from santander back in 2013... I was paying 648 a month for a 2013 dodge challenger... and I filed bankrupt in 2019 and I was still owing santander around 25000... when I got the car loan back in 2013... the car lot was doing fraudulent activites... I didn't have license... and I didnt have a down payment... and they used my impala as a down payment without actually getting the car... I tried later to contact the car lot... turns down they had shut down... the name of the place was canton auto park in canton mississippi

I am in complete disgust with this company. I have been with this company since April 2015. We are now on 01/07/2020 and my auto loan is still at $14, 600. I have mad a total payment of $14, 036, starting with a loan of $19, 528. How is it that I still owe $14, 600 still after 4 years and 9 months into the loan. I would like answers and help with this situation. I see I am not the only one going through this. I need help!

I purchased and had a car financed by Santander. These people are horrible. I mad payments mainly on time. They tripled our financing charges. Added late payments when there was none . Marked we had missed payments when we did not I had wired the money and had proof. They gave me 45 days to pay off the car. I was tryin to do so they came way before the 45 days. Repossessed the vehicle sold it at auction for 3k and are trying to sue me for the remaining 11k on the vehicle. So now I have no car, they are trying to sue me and have ruined my credit. I need some help please. I have always paid off every car I have ever had financed but even with making your payments on time the balance never went down. It's disheartening and I see so many complaints they should seriously have to close their company what they are doing to hard working people just is not right.

This company need to be stop they take advantage of people I made my payment on time and also try pay as much to principal to pay loan sooner when I check the total that was left I seen I paid more interest then in principal I call they said they charge daily intress this just make me mad hope we can sing to be part of a lawsuit against this unfair company

I had a 2013 Ford Explorer and I paid 5, 000 Down with a trade in and 468 per month. The first year the truck was fine after that I stay having problems left and right with this truck. No good warranty so everything out of pocket and not one thing was a easy fix for my first truck ever financing. When getting the truck there was 88, 000 miles on it from the first owner and I feel that truck was way pass due on maintenance before I receive it. My second vehicle in my lifetime and the problem was one after another getting higher a higher. Every other month there was a problem with this truck and I contacted them letting them know the problems and setting up date to pay my loan. After awhile going back and forth with them about it I wanna to throw in the towel and be done with I never did. There was times I asked to push some months behind cause the problems and money amount was outrageous. The Santander Operators never really care how they talk to you when it come to the loans till they harass you calling every day all day. Which made ask the to not call me on a every day base and it was not like I was not working to better myself with fixing on a car and paying my monthly note. Now that the truck is gone that is messed up how my credit score is extremely low for a truck that was never in a good conditions. That was the whole point of getting a newer vehicle and getting a better credit score. At the time of getting this truck it was only 10, 000 dollars cash and when Financing it became 16, 000 truck with over 2, 000 plus of problems to keep it fix. I really needed help with this situation if so can some give me a call at [protected]

Santander continue to send letters in the mail stating that I'm behind on my bill I paid $900, in September over, $400 October and no member theg seng me letter stating that I'm behind o et $800. I will be suing. I eat t to know who are the proper people I need to talk regarding my account. The last person there was extremely rude I had to tell her to show some professionalism when speaking to me.

Purchased a 2014 Nissan Versace Note in 2014 through Michael Jordan Nissan in Durham NC. Lost my job in August 2016. Had car for 2 years and wasn't late in paying. Called and explained situation to them stating that payment would be late. Stated ok and when I received the statement noticed that my balance was never going down after 2 years. Tried refinancing through my credit union and couldn't because the amount due was too much for the period of time that I had the car. Called back concerning a fixed rate and was told; not possible. So I called back to tell them I wanted to turn the car back in where could I do it? Was told that I couldn't turn it back in. They would have to come and pick the car up and it will be sold and they will send me a balance owed. They picked the car up and I never got a statement for the balance due. Representatives there are very unprofessional and rude. Never wanting to work with you and speaking to you like you are not a human. Never once did they explain that this was an interest only loan and it would increase my loan payment. This was found out in 2018 due to my researching because as of today this is on my credit report and they keep revolving it and the amount due is going higher. Also was paying for GAP insurance which I found out never existed. I found out on Nov 20 2018 that Santander violated the Consumer Financial Protection Act of 2010. They failed to properly disclose the impact on consumers of obtaining a loan by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when consumers resumed making payments. I would like to have this removed from my credit report because under the terms of the consent order, Santander must among other provisions, provide approximately $9.29 millions to restitution to certain consumers who purchased the additional on product. The consent order is at https://files.consumerfinance.gov/f/docu

Santander is reaging the delinquency date on a charge off on my account causing my credit to continuously drop by several points. The account was charged off on 08/2014 and had been reporting as a charge off each month since then. I was in the middle of a mortgage and they changed the charged off date to 10/19 and now my credit is showing a new delinquency. My credit score dropped by over 30 points and now I am being denied my mortgage. I need assistance And to fight them for these inaccuracies. The credit bureaus will not update the correct info either.