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Business Profile

Consumer Finance Companies

Santander Consumer USA, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

This profile includes complaints for Santander Consumer USA, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Santander Consumer USA, Inc. has 14 locations, listed below.

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    Customer Complaints Summary

    • 2,015 total complaints in the last 3 years.
    • 743 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/08/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to notify you of a fraudulent account that has been opened in my name with Santander. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Santander Opened Date: 5/8/2019 Account Number: *****************High Credit: $19,676.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 07/17/2025

      Dear ******** ********:
      We appreciate the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.
      Thank you.
      Santander Consumer USA ****

    • Initial Complaint

      Date:07/07/2025

      Type:Delivery Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased my car and financed through Santander in April of 2024. As of April 2025, the vehicle was refinanced with Capital One and the vehicle was paid off with Santander on 5/1/25, as posted in my online portal. Santander provided a refund of overpayment, sent via **** in the form of a prepaid mastercard, received on 6/7. Santander has failed to provide a release of lien that is acceptable to Capital One MULTIPLE TIMES and I am unable to register my vehicle in a new state because of their negligence. Capital One, as well as myself, have requested the release of lien be sent out no less than 5 times and Santander has been unresponsive, even going as far as saying I am unable to request the letter to provide to Capital One to get this process over with. Capital One requested this letter from Santander on 6/26/25 and has received no response from this worthless company. Santander Consumer USA also told me (Via representative) that I could request my car title by going through a website, with which they are partnered, but to process the request, I HAVE TO PAY FOR IT. Santander has no legal interest in my vehicle as they've received all $22,000 of their money, but refuse to release the lien properly. Acceptable resolution: SEND THE **** RELEASE TO THE NEW ****HOLDER AND BE DONE WITH IT.

      Business Response

      Date: 07/15/2025

      Dear ******* ******:

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely,

      Santander Consumer USA ****

    • Initial Complaint

      Date:07/04/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm not liable for this debt with Santander Consumer, and I don't have a contract with this company or agency. They did not provide me with the original contract as requested.

      Business Response

      Date: 07/09/2025

      Dear ******* *****,      

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

    • Initial Complaint

      Date:07/03/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In March of 2024 @5StarSouthDodge I financed a Title loan for a 2018 **** CHEROKEE. The initial amount was $35,000 on the value listing but got adjusted down to $16,000(Chrysler updated my account). The **** had "SEVERAL" engine problems. I had an active warranty with the car until they let it expire during a repair attempt I "REALLY" needed in the month of June. I contacted the dealership for service statements for repair costs so i could pay or take out an insurance policy from my provider. They informed me(Late) in September(2024) that the vehicle was junked because the Radiator ************** had melted and that Chrysler Capital filed the vehicle as "Abandoned at *************** without any sign-offs. I called several sales agents @ChryslerCapital from Oct(2024)-July(2025) Yes 10 months, with phone records. They promised every time to have a representative call or email me info on my contract terms on how to handle my loss but I have received radio-silence. At this point i had to submit a dispute on the loan(I had success) but @ChryslerCapital listed my account as "Charge-Off" which is confusing because they won't call me about how to refinance/settle my contract. I need help with this because I have all the hard copies of my files except my most up-to-date contract policy. I think they may be denying me this because i called to have them email me that info but i haven't heard back since July 2, 2025.

      Business Response

      Date: 07/16/2025

      Dear *********** ****:

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely, 

      Chrysler Capital

      Customer Answer

      Date: 07/17/2025

      I am rejecting this response because:   

      First and foremost THANK YOU Santander Team for finally reaching out to me 11months into the account i opened with you guys last year. 

      Im sorry to inform you that an attorney @SpartenburgCreditAA offered a credit loan account starting a month from July 9,(if accepted). By this time we talked to South Dodge about the whereabouts of the 2018 Cherokee but they said that Chrysler Capital currently has the lein. As of July 17, the loan is  under a dispute investigation and has 2027 removal date. I have have my information attached if you need to contact me for any important information. 

      ***********

      Business Response

      Date: 07/23/2025

      Dear *********** ****:
      We appreciate the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.
      Thank you.
      Chrysler Capital

    • Initial Complaint

      Date:07/02/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom It May Concern,I am contacting you regarding a recent copy of my credit report that I obtained from your agency. After reviewing its contents, I have noticed multiple entries that appear to be incorrect or inaccurately reported. For your convenience, the disputed account(s) are listed **************************** - ***************** $0.00 Pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting that you provide copies of all records and documentation in your possession that were used to validate the accuracy of these account listings. This request refers specifically to the information that existed in your files at the time of the original reporting and verification.Please refrain from responding with general statements claiming the accounts were verified. I am specifically requesting tangible evidencesuch as signed agreements or original records from the data furnishersthat confirm the legitimacy and continued reporting of these accounts.If you cannot provide such documentation, these entries must be removed from my credit report in accordance with Section 611(a)(5)(A)(i) of the ****. Continuing to report data that cannot be properly verified not only violates federal law but may also cause lasting harm to my credit profile and financial reputation.Thank you for your timely cooperation. I expect a thorough and documented response to this request.

      Business Response

      Date: 07/10/2025

      Dear ******* ********,    

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

    • Initial Complaint

      Date:07/01/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to bring to your attention a fraudulent account that has been opened in my name with SANTANDER CONSUMER USA. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: SANTANDER CONSUMER USA Opened Date: 2/25/2019 Account Number: ***************** I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.

      Business Response

      Date: 07/16/2025

      Dear ******* Fitzhugh *******:
      We appreciate the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.
      Thank you.
      Santander Consumer USA ****

    • Initial Complaint

      Date:06/30/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was supposed to receive a over payment reimbursement & a payment from ************** they have sent out multiple ************* of them came & nobody can tell me why. Over $3,000. Gap check $500, over payment $2,*** not %100 sure of the number off the top of my head. They keep saying they are investigating but nobody can even give me a tracking number for the checks, they are withholding my money from me and Im not sure why. I lost my car in September and Ive been supposed to receive the check for MONTHS now and nobody has helped me and Im a single mom of 2 kids that lost their house in a hurricane and also lost my car in the hurricane as well so the money would REALLLY help me right now and all I can do is cry

      Business Response

      Date: 07/15/2025

      Dear ***** ********:

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely,

      Santander Consumer USA ****

    • Initial Complaint

      Date:06/29/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Complaint Type: Vehicle Repossession / Contract Violation / Failure to Accept Payment Complaint Details:Santander Consumer USA repossessed my vehicle on June 26, 2025, despite multiple verbal agreements that should have prevented this. In early June, I had a verbal agreement to make payments on June 27 and June 30 to stop repossession. Then, on June 24, a representative told me that paying $625 would stop the repossession altogether.I attempted to pay the $625 as instructed, but Santander rejected my valid checking account info and then refused to accept payment from my husband, who is also the co-signer on the loan. The vehicle was repossessed in the early morning of June 26, before either agreed payment date.When I called Santander that morning, the representative did not acknowledge the verbal agreements, told me I could only get the car back by paying the full $30,000 balance, and refused to escalate my case to a supervisor.Santander also failed to notify my husband/co-signer about missed payments or the repossessionthis has happened multiple times. He would have helped prevent this if notified, especially given that Ive been in a mental health crisis following the recent death of my sister.The repossession process was also deeply mishandled:I was not told the car was taken across state lines My ID was rejected at the repo yard due to a name mismatch (despite my husbands ID being accepted)My license plates were prematurely removed Valuable property was missing, including:My sons wallet (with $400+ ****, ***-Bans, Lululemon gift card)1st Phorm supplements Non-perishable food intended for the vulnerable students and families I serve as a public school social worker. I was told it was thrown away.

      Business Response

      Date: 07/11/2025

      Dear ********* ******:
      We appreciate the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.
      Thank you.
      Santander Consumer USA ****

    • Initial Complaint

      Date:06/29/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased a vehicle from ******** ********* on or about November 28, 2024. There was a vehicle extended warranty that was automatically added to my loan without my knowledge and I had my son co-sign on the loan with me due to credit issues I have. My APR on this loan is 21% which is quite disturbing since my son has well over a 700 credit score. We have received no explanation as to why these things have occurred. I would like the APR lowered, the balance of the loan adjusted, the monthly payment reduced (It's currently $657.86 a month) and the removal of the added extended warranty. I would the difference between what has been paid on the account and the new amounts refunded to me by Santander. I also feel that they should be somehow penalized for being a predatory banking institution

      Business Response

      Date: 07/03/2025

      Dear ********* *********,      

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

      Customer Answer

      Date: 07/07/2025

      I am rejecting this response because:   I would like to see the criteria this decision of credit worthiness in writing because the co-signer had a credit score of over 700. There is zero justification of the decision of credit worthiness. The APR on this loan is completely predatory and I can see why this company is not BBB accredited.

      Business Response

      Date: 07/16/2025

      Dear ********* *********:
      We appreciate the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.
      Thank you.
      Santander Consumer USA ****

    • Initial Complaint

      Date:06/28/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ****** ***** ******* ****************************************************************** *********************** Santander Consumer USA account # ************* This account has been reporting on to my consumer reporting since 2014 ********* has a reporting requirements of six years that a creditor can report on a consumer credit I sent the company a debt validation notice and insurance payout demand letter that I still have not heard a response the letter was sent out on June 16, 2025 in the demand letter I request a debt verification ,disclosures this is my second request since four months ago the company fail to send requested documents which makes the account unverifiable, inaccurate the Fair Credit Reporting Act (FCRA) 15 U.S.C.1681i (a)(5)(a) any account that cannot be verified must be promptly deleted this is my second attempt to request the verification, disclosure furnishing inaccurate information on a consumer report is consider fraud consider a violation any information knowly to be false misleading violates the fair debt collection practice act 15 u.s.c.1692e (8) and the fair credit reporting Act 15 u.s.c1681i (a) (5) (a) also violates 15 u.s.c1681 e(b) prepare consumer report must assure maximum possible of accuracy a consumer reporting agency must conduct reasonable investigation 15 u.s.c.1681 (a) (1) (a) ******* v. ****************

      Business Response

      Date: 07/10/2025

      Dear ****** *******:

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely,

      Santander Consumer USA ****

    Santander Consumer USA, Inc. is NOT a BBB Accredited Business.

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