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Business Profile

Consumer Finance Companies

Santander Consumer USA, Inc.

This business is NOT BBB Accredited.

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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:07/08/2025

      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 paid off my auto loan with Santander Consumer USA in 2023 after 7 years of on-time payments. While disputing minor issues related to reporting, instead of correcting the errors, Santander deleted my entire credit account from my reports. They also failed to report to all 3 bureaus during the life of the loan.After the final payment, they locked me out of my online portal, and erased access to receipts, payment history, and internal messages. I now have no record of the loan except the title. Its like the account never existed.This deletion destroyed my credit age and dropped my score, making it nearly impossible to qualify for a mortgage despite having responsibly paid a loan for 7 years. I contacted Santander to request reinstatement and for the account to be reported to the missing bureau (Experian), but I received no resolution or acknowledgment.This issue occurred within the last 12 months and has caused major financial and emotional damage. I have filed a **** complaint and am seeking legal counsel. I am requesting full reinstatement of my credit history, reporting to all bureaus, a written resolution, and compensation for damages caused.

      Business Response

      Date: 07/18/2025

      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:07/07/2025

      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:07/07/2025

      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 told to pay a minimum of $790 to ensure my car wouldnt default, which would give me an extra 30 days to make my next payment. I made the payment one day later (on 6/5/25), yet 11 days later (6/16/25), my car was repossessed. I am greatly confused because an agent over the phone assured me my vehicle wouldnt be taken if I made the payment. There hasnt been any further clarification on this matter and I am considering legal action against Santander Consumer USA.

      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,

      Santander Consumer USA ****

      Customer Answer

      Date: 07/18/2025

      I was told on the phone $790 was my minimum, just to find out the minimum was $795. I asked and confirmed with the agent if the price of $790 was correct and I was told yes. I lost my car because of $5, and I wasnt notified by the agency about this at all. I wanted to continue my contract and I was in a position to begin paying my past due amount back in large. 

      Customer Answer

      Date: 07/29/2025

      I feel like I wasn't offered proper compensation for this. I lost my car due to a miscommunication over $5. 

    • 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.
      I am filing a ***ort with the BBB on misappropriated interest and payments. This has been an ongoing issue. I bought a car in 2021 at a tough point where I had let my credit slip and had to move away from my home state of 50 years and an abusive partner. They gave me 17% interest as my credit was around 550, I took it with gratitude. Now to today, been here in my new state over 3 years, took responsibility and control of my credit, bought a small home and always pay my bills IN ADVANCE, a month early or more. Every single month I have to call Santander and ask them to fix my mis-applied payments, literally plead my case Every Single Month for them to apply it correctly as to avoid the interest. And every single month a *** tells me they will escalate it and send a ***ort to correct it. Never happens. The one time it did, all they did was correct a due date but I still paid all the interest even though I was ahead. NO ONE, NO Rep/Manager/ ********************** has taken the time to review my account for all the money I have paid that has been misapplied to interest. Not one. This month my payment due date was 7/31/25, I decide to wait until July 1st because when I make a payment within a month, they apply it to that month. I go to the website to pay and it now says I have an overdue payment due 6/30/25? Make it make sense. This was paid 5/23/25. Both ********** statements have a due date of 6/30/25, June's was paid. June's statement should have said 7/31/25 as was the case online (until I went to pay it). I called them on 7/1/25 and even after explaining, the *** states "oh but you're only 1 day late" I stated I am not late! He said he saw their error (AGAIN). No change again this morning 7/3/25 so I called and asked why this keeps happening and today's *** blamed it on their computers, I said that doesn't help with all the interest taken from me. You can't even go to a branch or speak to someone about auto loans? I must refinance with another lender.

      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 ****

      Customer Answer

      Date: 07/18/2025

      I am rejecting this response because: Please explain how I paid July 8th for July 31st (tried to pay July 1st but your system error caused me to have to wait for your **** to fix my account) and excessive interest was taken out $233 - More than usual? This isnt the first time.

      The documentation you state says if you want to have your payment applied to principal you make that known, which is exactly what I do EVERY MONTH. Ive called 10 different months to get this corrected. They only fix the incorrect ********* online incorrect due date and never the interest. I completely reject Santanders response because everything stated by Santander is exactly what Ive been doing.

      The customer service department does not handle my inquiries/complaints and I am constantly rushed off the phone. It seems interest is applied as Santander sees fit not as it should be applied. This has been a legal issue with Santander consumer for a while, hence the 2020 and 2023 lawsuits.

      If you look at my July payment (made July 8 for July 31st - Santander applied literally almost half that payment is interest but yet I was early and called to be clear) July info is attached, I was gouged in interest (as if I was late) yet nothing has been done. I ask that my account be reviewed, not just an answer to save face. If not even if it costs me more to my attorney, I will continue with legal action for misappropriation of interest when made known to your service representatives.

      I made 2 payments some months and was advised that they would apply to principal, it does not. Interest is applied at the free will of Santander.

      Santander also states that the more you pay, it does not shorten the length of your loan. That says it right there, so if youre paying principal and youre paying ahead and youre paying more to save on the interest on the loan, thats predatory lending because they want to keep you trapped? Thus the lawsuits.

       Something needs to be done.

    • 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 ****

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

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