Santander Consumer USA Reviews 

I made two payments two months in advance just after purchasing a vehicle. I kept getting emails; “payments declined”. Their system kept processing the wrong account. They corrected it. Then I kept getting the same email notifications then nagging tex messages. PLUS the reps talk horrible English then they ask “so where do you wan the extra payment to go to?” Horrible customer service. Plus payments don’t get posted for several days! BEWARE! BEWARE!

The auto pay so I'm never late building my credit is a #1 to me..

i had chrystler capital with my car payment and they stole money from my account claiming we never payed them. now since the company switched to Santander Consumer USA non of the payements we made got transfer over and the people they have answering the phones blamed us. i was looking at my bank statements while on the phone with them, how did i pay $1,000 each month for a 3 month payment so i can make my carpayment go by faster. i owned $15,000 and i was down to $9,000 and some who i owe $15,000. By the way i screen shot every payment that i do. my question is where is my money going.

The guy was name Josh Heard an I believe he was a gift from God if I ever need a car again I would call him🙏🏽

My experience with Santander Consumer USA has been extremely frustrating, particularly regarding the reporting of an old automobile account.

Despite having documentation relating to the vehicle’s ownership and sale, including the title and bill of sale, I am still dealing with a derogatory account on my credit reports that I believe is inaccurate and should have been properly investigated and resolved long ago.

What makes this especially frustrating is the lasting impact. Credit reporting isn’t just a number on a screen. It affects financing decisions, interest rates, and a person’s ability to move forward financially.

Consumers should not have to spend years trying to reconcile account information with supporting documentation. I expect a financial institution to thoroughly investigate disputes, explain its findings, and ensure that information furnished to credit bureaus is accurate and verifiable.

My experience has seriously undermined my confidence in Santander. I would strongly encourage anyone considering financing through this company to keep meticulous records and monitor their credit reports carefully.

Update to above review in response to Santander’s reply:
I have provided the requested account information through Trustpilot.

To be clear, my central complaint remains that Santander continues reporting my account as “paid in settlement” despite the fact that I never entered into, authorized, or agreed to any settlement.

I have repeatedly disputed this reporting and provided supporting documentation. Yet the disputed information remains on my credit reports.

I am requesting that Santander produce documentation establishing when this alleged settlement occurred, its terms, and evidence of my agreement. If no such documentation exists, Santander should correct the inaccurate reporting with all applicable credit bureaus.

I expect a substantive written response addressing these specific issues rather than another generic customer service referral.

Do not go with this company it is theworse avoid them at all cost!!!!

Fast and easy approval depicte some credit challenges we were approved quick and easy thank you santender

This auto finance predatory institution has to be among the worst to work with
Once you start having a problem they shutoff your online access to your account ( tell me how that helps anyone)
Then when you are forced to call them it gets even worse
If you are finally able to talk to someone they are pretty hard to understand.
If you find yourself with a choice dont choose them.

No communications from Santander I can't find my account the app very bad no answer on my request I try to make payment and find my account number please call me 3057668647

I tried several times to set up my online account but kept getting rejected.

I co-signed for my Daughter to Get a car while living In Florida with her aunt in October 2025! She Later moved to NC To live with me A few months later and brought the car with her! The car got repossessed In April of this year And I Found out only because the car was at my residence When It was picked up And Me and my husband paid almost 3000 to get the car back! Fast forward to today I receive a letter Saying The car has been sold By getting a letter on the mail To find out not only has the car been repossessed again It Has been sold And Now I have to pay the balance! No one contacted Me via phone or email To give me the opportunity To take over payments of this vehicle! The last time it got repossessed I Knew because it was picked up at my home But Now That my daughter is no longer living with me And Hasn’t in a few months I had no idea The Car had been repossessed Once again And I haven’t not once been contacted by Santander and Or even given the opportunity To take over payments of this vehicle that I have thousands of dollars invested in! Santander has my email Address and My home address And my phone number! My Daughter Always got her mail out of the box until she moved out recently So Now I am completely being screwed over not only by my daughter apparently but I should have Been given an opportunity to take over this loan And Have been told nothing by anyone and now this vehicle has been sold and I didn’t even know it Had been repossessed again! My daughter Moved in with her bf An Hour away from me and I knew nothing! This is not okay!

I am a disabled senior citizen and my income has decreased. Therefore some bills have fallen behind and gone into collections. However, I always pay my rent, car note, car insurance and utilities on time. Every one turned me down, even Hyundai Finance and I have never missed a payment since the 90’s. I had one previous loan with Santander and they excepted my loan application and didn’t base their approval on credit scores alone. I am truly thankful.

Thank you for the ease yo work with your institution online. We appreciate the applications features.

So far, no paperwork was mailed to me. All i got was a phishing email. Sorry i need documentation proving who you are.

Horrible!!!!! Represantives keep stalling telling me 3 to 5 days everytime I call for my refund unbelievable frustrating talking to people overseas having to explain myself over and over again. They tell me
To send them a bank statement for past 6 months, I send it to them and they come up with more excuses everytime. Worst experience I have ever had with customer service ever. Stay away from these people!!

I needed reassurance on how I would be making payments. Person who helped me answered all my questions and was a pleasant person.

Great customer service. Efficient

I would like to recognize the outstanding customer service I received when contacting Santander Consumer USA. The representative was extremely professional, knowledgeable, patient, and genuinely helpful.

He went above and beyond by offering valuable advice on setting up automatic payments directly through my financial institution, allowing me to make my monthly payments early and better manage my finances.

What impressed me most was that he didn’t just answer my questions; he took the time to provide a practical solution that would benefit me moving forward.

It is refreshing to speak with someone who truly cares about helping customers. His professionalism, positive attitude, and willingness to educate me made this a wonderful customer service experience.

Thank you, Santander Consumer USA, for having representatives who understand that excellent customer service is not just about answering questions, but also about making a positive difference for the customer.

Wonderful agent who stayed with me during my online setup process. He was patient and knowledgeable. Thank you so much. Linda Coady