Santander Consumer USA
Reviews and Complaints

Bought my 2006 dodge van from a dealership, the fianace was origanally through sovereign bank until santander took over. About 3 weeks ago we paid off our van, with the help of a finanical company. We had made an overpayment to santander, money should be returned to finanical company or us, to me it does not matter. Called santander 2 times so far 1st time they had no clue when it was going to be returned. 2nd time they said oh it could be by the end of the month, meaning sept.30 but they couldn't say for sure. How come it is okay for them to charge us for being a liitle late with our payments (which I was never) but when they have to return our money they have all the time in the world. Thats if they return it at all! Santander should pay us all interest for holding our money hostage! Free my money!

I recall I rejct to sign up for the sovereign id protector months ago. But then I found that it is continuously charging my account for 12.99/month without my authorization.
I have not use my sovereign account for months. I kept my balance at a low level since I knew I am not using them.
So after 8/22/2011 my account was charged 12.99, thus making my account overdraft.
And sovereign bank charged me $35 for overdraft fee and $5 per extra day.

So basically its like
1. I was signed up for the "sovereign id protector" automatically and was charged $12.99/months without my authorization
2. The "sovereign id protector" causes my account to overdraft since I was not using my sovereign account for months and I was keeping a nearzero balance for my account.
3. I receive ridiculous overdraft fees ($35 + $5 per day which is around $7x by today) and I was not informed

Santander just called me telling me they want the car or I have to pay right now they then told me that they can garnish my wages if you google it you will see is what I was told so I did 41. South carolina wage garnishment

Wage attachment is prohibited in south carolina. Sccla 37-5-104.

Wow looks like a lie a huge one there lol. They will tell you anything they can to get cash I don't get how this comp even has anything but terrible pr I want to see them go down I am going to go to every car dealer ship and let them read all the complaints then as reckon any of the folks here would ever get a car from you more then once knowing you use a comp like this. Make them reckon about how they will not get anyone to buy more then one car from them and with me driving a billboard that tells how terrible they are want to be what will happen even more?

Hey santander when you read this run over to your books and look at who has a blue 2008 billboard that says don't use this comp they screw you all the time. Have an excellent day and may the bbb shut you down.

Our car loan was also bought by santander from citi and that was a bad, sad, day... Our experience with santander to date has been from *. We are getting nowhere it seems on a car that is now upside down. We pay outrageously high payments that are sinking us and our balance does not go down. The payments are so high (over $500.00) that we keep falling behind to just keep the car, then the late fees and other "fees" keep us owing more and more... The term of the loan seems a year longer than we remember signing on for. They have little to no explanations for any of the confusion we have and just call and call and call to get more money... We feel completely trapped. They offer no options for reduced payments, refinances (they say "they don't do that") or any kind of help whatever. We both (my partner and i) have been umemployed at different times while (he's) owned the car, and are a family seriously struggling financially. We always planned to refinance this car after we learned we couldn't pay it off with an escrow that fell through last minute. Now, we are told we have no options whatsoever since we are upside on it. I have payed cars off before but with this one, it's like they don't want you to! It's like a never ending nightmare... Stuck and sinking with santander, the worst company I have ever dealt with. Please... We want out!

On june 8, 2011 santander consumer usa gave order to eastern investigative bureau, inc., to re-possess
A suzuki forenza motor-car that was obtained by citi - autofinancial approximately three (3) years ago. The man involved came about 1:00 am, pounding on the apt's door, for a long duration of time. I then had to follow him to the car, where the car was blocked in by a car, of whom the driver was introduced as mannywho gave me a business card with his name (given). I was ordered to give the man who came at the apt a copy of the keys for the suzuki forenza, of which after taking out a few important stuffs he drove it away/did not tow it, of which may not may seem to be legal.
On june 9, 2011 when santander consumer usa was contacted, a represenatative said that in order to get back the car, the company must get $1000.00 by money-gram within 10 days, of which the payment up to june 11, 2011 would be current, then the payment of $378.94 for july, 2011 would become due on the 11th. The amount of one thousand dollars ($1000.00) was sent by moneygram to santander consumer usa on june 9, 2011.
Now they sent a bill for $1809.21, of which only $378.94 is owing for july 2011, and august 11, 2011 another one would become due. This is not justice to us as consumers, and this company needs to be investigated, of being contrary in their business transaction by phone and documentation, of which should be synchronized. Please investigate and correct this matter, as this can be a bad reflection on this company in trustworthiness. Thank you

P.S. A payment of $378.94 will be made on the 26th and another payment on sept. 02, of which will update account,

In late june of 2011 our '04 ford taurus was a total loss when a wind storm broke a tree and caused it to fall on the car. Our insurance company, progressive, was quick to respond assess the damage and, as mentioned earlier, declare the vehicle a total loss. Progressive, per our coverage at the time of the claim, paid out two payments to santander. The first payment was for the value of the vehicle, $7, 304.91 and the second was for load/lease payoff coverage, $1, 951.23 for a total of $9, 256.14. The first payment was sent on july 1, 2011 and the second on july 7, 2011. I received a phone call from santander on or about july 19, 2011 stating that I was seven days past due paying my account and would I settle the payment over the phone. I answered that "no, I won't, you should have two payments from my insurance company to more than cover the balance of the loan." santander stated that they had received no payments from progressive. I called the progressive claim's representative for my claim, david moss, immediately and explained the situation. David immediately stopped payment on the initial checks that had been sent and contacted santander to arrange new payments to be sent out. He overnighted the new payments to santander via usps. I again received a phone call from santander stating that I was delinquent in my payment. I asked if they had received the overnighted payments from progressive. The customer service representative for santander was less than helpful. She knew of no payments and asked me if knew where the payments had been sent and could I track them down. Again, I called my claims representative; and again david called santander trying to figure out if, when or who received the payments that were sent via overnight mail. No one was able to locate the payments. So, once again david stopped payment on the checks and arranged to have the payments sent, again overnight, via federal express. David then gave me the fedex tracking number so that I would know the status of the package and when it was received by santander. The payment was received in santander's office on a monday, july 25, 2011 and signed for by a d. Lee. On wednesday july 27, 2011 santander again called me stating I was delinquent. At this point I lost my temper. Once again I called my progressive claims representative. Once again david called santander to unravel the situation. Santander, after three failed attempts to pay them, said that they would open a case to investigate. After their investigation I received two letters on monday august 8, 2011 stating that they had received my payments but the monies were not enough to pay off my principal. I knew this information to be false. I promptly called santander's insurance department to discuss the matter. As it turns out, they did receive the payments, my account had a zero balance and was declared closed. Apparently santander had a "glitch" in their system that mailed out letters on closed accounts attempting to collect a debt. I also learned that I would not receive my reimbursement of $1083 until sometime after september 8, 2011 because it takes 30 to 45 days to process a reimbursement. To which I replied, "you wasted 30 days already because you obviously don't know how to process a payment!" I explained that I was not upset with jessica, the customer service representative for santander but rather I was upset at her company for their incompetence. Jessica apologized as best she could and remained professional. However, there seems to be some rather dubious dealings or business practices going on at santander consumer usa inc.

I opened a business account at sovereign bank in 2009. The bank representative assured me that there will be no fees or charges on my account. I deposited $240 and waited for my debit card to deposit more. After two weeks of not receiving the card, I contacted sovereign bank to send me a new card. I haven't received the new card since, and couldn't deposit my checks through atm. Recently, I received a letter from sovereign bank that they charged $160 inactivity fee from my account. I visited the bank and explained the situation and told them they don't have a right to charge me without notice. The manager told me that I have agreed and signed to pay the inactive fees, however, I look into the issue more and found out that this new regulation of $16/month inactivity fee started in october, 2010. Therefore, I definitely haven't signed such an agreement and they definitely haven't send me any notice. They unfairly, unethically and even without a notice, charged me $160 from my account.

We have a car loan with them and because of the economy and my husband is now disabled we are living on a fixed income, we asked them repeatedly to refinance our loan to a lower payment they refused, so I couldnt make the payment, after 3 months they cal and lie to me tell me if I justmake one full payment then they will refinace the loan and drop the loan payment to half. They took out money which was half of our food budget for our children and never refinaced it also we keep getting harrassing phone calls al the way up to 9pm when our children are in bed. I am sick of them I told them to quit calling me and come get the vehicle.in stead they continue to harrass us on the phone.

Wow! Santander customer service rep-randall is amazing! My car loan was also sold to santander after citifinancial auto sold out. I usually pay my car loan on time but i've been out of work for some time and just couldn't make the payment last month. So, i've had many customer service probs with santander... Including rude, insulting, ignorant & harrassing, hang up calls. Then a couple days ago, I decided to call & try to offer up a "good faith" $50 pmt & explain my sitch. That's when I got randall. Honestly, he was polite, respectful, patient, kind and understanding. He told me I qualified for a 3 month deferral and set it all up! He said to call back & check the next day to verify it was approved so... I did & it was! Just wanted to post this because randall was possibly the best customer service associate i've ever dealt with at any company and i've been a customer service associate myself for 14 years! ♥

Have you had or are you having an unpleasant experience with santander consumer usa?

Please contact me at [protected]@gmail.com if you have experienced the following with santander comsumer usa:

1. A default on your auto loan with santander. (the default should be after your loan was purchased by santander comsumer usa from another bank)
2. A deferment granted on your auto loan after it was in default.
3. A repossession of the vehicle after the deferment was granted.

Please email me with your name, email address, location and the specifics of your situation.

Thank you in advance for your feedback!

I purchased a jeep and was financed with fifth third bank. They sold my account to santander consumer usa. I canceled my gap and warranty to get my payoff lower so I could trade in the jeep for something more economical. The dealership issued the payment to fifth third bank on 7/1/2017. When I called fifth third bank to ask them if they will forward it to santander, the banking representative told me there is nothing they can do with the check and neither can santander because it's payable to the bank. So I called the dealership and they kindly stop paid that check and issued another payable to santander on 6/16/2017. They mailed it on 6/16/2017 to santander. It cleared the bank on 6/28/2017. No one can find this payment and it certainly is not posted to my account. Santander keeps asking for a copy of the check front and back before they will even attempt to search for it. The dealership lady tells me to wait until nexct week and she will request a copy of the check front and bank because their employee is trying to close month end and... She "doesn't want to bother her..." oh my god. I only agreed to wait until next week to start the process of getting the check copy front and back because I don't want to make that dealership lady angry with me. Then I may never get what I need to show santander. Meanwhile toyota is waiting for the title. This horrible customer service at a 360 degree spin. I guess I should be prepared to get a lawyer.

I purchased gap insurance on a new 2011 auto. I was in a head-on collision and I was not at fault. My car was totalled. I filled insurance paperwork within 30 days. Three months later, santander collection people started calling me and said that I owed them $7406, for the balance due to not having gap insurance. I called hardin hyundai and spoke to joe, one of the finance managers. He said he would contact santander usa and send them signed proof of my gap policy. Santander two months later denied my gap policy because 120 days had passed, and now they constantly keep calling me, and have put $7406 charge-off on my credit report.

This morning I called santander to make a $195 payment on my car loan. I gave the representative my card information but was told that it was declined. I told her that was impossible because I had just checked the balance and there were sufficient funds to cover the transaction. I verified the card information with her and she tried to process the payment again. She told me again that the card had been declined. I told her I would call back with another card later on in the day. During my lunch break I called back with a different card and a male representative took my card and I was told it had been approved and processed. When I went to the atm with the card that had been denied earlier in the day, I realized that the $205.95 transaction that had been 'declined' by santander was pending to clear my account! When I called santander the rep told me that they had no record of that card in their system and there was nothing they could do. I asked to speak with a manager who was no more helpful, I asked him to send me a letter stating that they did not charge anything to the declined card and he said it was impossible because they cant send me something on a card that they dont have record of in their system. I told him that he has fingers, he could just type a letter confirming that they didnt try to charge the card. He refused. I told him I could send him a copy of my account history showing it posting, he nonchalantly said that I could do that, but that they would 'get to it' tomorrow after today's end of day had been run. I dont know if he thinks people have money just lying around but because of their incompetant customer service staff, my other bills are not going to get paid. I called direct express (the card that was charged without authorization) and they said I have to fill out a dispute form which will take 7-10 days to get to me in the mail and then there is a review process (more time). Seriously? I want my money back.

I have a checking account with sovereign bank. On 06/29/2011, I asked a person who owed me $ 120 to make a deposit into my personal checking account at sovereign bank. I was surprised when this person called me at end of the day to confirm that transaction was done and informed me that my account had a negative balance. I never gave any permission to sovereign bank to share the status of my account with anyone. On 06/30/2011 at 10:30am I spoke with sovereign branch manager, roseli schniederjans at [protected] who confirmed me that procedure is absolutely correct. I had my privacy violated what caused me lots of troubles.

My father made a deposit for me on my account on on 6/21/2011 and the deposit is no where to be found. I'm all the way in florida and can't go to bank to resolve the issue. I recently moved here so i'm unemployed i'm pregnant have a 2 year old daughter i'm in very much in need of the money so I called the 1800# and now have to wait 2-4 days for the money to appear they do not give you the money until the find your money, even though we have the deposit slip.
What kind of bank loses your money? And doesn't know what happen to it?

I never took out a loan with santander. My loan was sold to them by citi. I never missed a payment or was late during the entire time that I had the loan. I paid off the loan and santander is continuing to take the same payment from my account despite the fact that I have a zero balance with them. I have called, faxed and emailed them to try to get it to stop but they refuse to acknowledge that it's happening and refuse to return the money. I have faxed them bank statements showing the charges and filed fraud charges with my bank. I'm at a loss for what to do. So I am closing the bank account that they are deducting the money from despite the incredible inconvenience of changing my direct deposit and other direct debits for other bill payments. I don't know what i'm going to do to get my money back. They are rip off artists. They will steal every penny that they can get and then fight with you tooth and nail before they will give it back. Somebody please open a class action against these guys. I will happily join in.

My auto loan with hsbc was taken over by santander in 2008. Santander is/was a secondary lender (for those with poor credit) and their business practices are questionable. I have requested my loan contract from them three times. Today when I called, I advised the customer service representative I was recording the call. She said I need their permission. I asked her for it and she told me no. I asked for a supervisor. Twelve minutes later I speak to another person attempting to end the phone call if I recorded. I advised them they record it on their end so they shouldn't have a problem with it, but he still tried to end the call. My concerns about santander: i'm not sure they have a copy of my original hsbc loan contract and/or a copy of the loan contract with them (which technically would not be signed since I had no choice). However, when a new lender takes over a loan, by law they are required to adhere to the conditions of the original loan. My original hsbc loan contract states, "if any payment is not paid in full within 10 days after it is due, you agree to pay a late charge of 10% of the unpaid amount of any delinquent installment." however, santander charges the 10% late fee the first day you're late. I have a bmw with payments of $644, so that's an illegal fee of $64 anytime I was one day late. Once I receive a copy of the loan agreement, I will likely be having my attorney file a complaint.

After fighting with santander for 6 months on many different aspects, with absolutely no solution, all my problems were solved by their telephone rep. Named felecia, stationed in their fort mill, sc office. She solved them all in 20 minutes, after I had spent 6 months and 20 man hours attempting to deal with santander.
She was a former citi employee and thoroughly equipped in customer service.

I need to file a formal complaint towards this company. We had file chapter 13 in 2008, we made all payments on time to the trustee, however due to my son's disability we had to file for a chapter 7. On the process of filling a chapter 7, santander, never sent us any bills, nor phone calls and repossessed the car. After the car was repossessed, santander started contacting us by phone calls. I called them back, they never verified who I was and started attempting to collect funds from us. Here is my bankruptcy case number 6:11-bk-06811-abb. Tomorrow, 06/03 we have our hearing and this company still are contacting us. I have informed this to my attorney. However I need to take this an step further. I have the time and recording from the on my cell phone.