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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

    • 2,022 total complaints in the last 3 years.
    • 750 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:04/22/2025

      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.
      Would like to speak with someone in the executive office of this company Santander I would like to speak with them about my concerns with regards to implementing a program within their company to assist customers experiencing ******************** hardship.I was told that once you get contractually behind in your payments, you still risk repossession of a vehicle although youre making monthly payments this isnot helpful to consumers, and then after a repossession occurs, they charge enormous amounts of money to get your vehicle back. I would love to speak with someone within the company. I tried to get someone in management, but was told that theres no way to contact anyone in the corporate office.Its my thought process that if a consumer is attempting to pay consistently on their account, why do they repossess cars and make it impossible for a consumer to rectify the situation financially I pray that someone will call me. The last payment made to this company was three weeks ago but was still placed in a situation, leaving me as a consumer without transportation with no resolve. Please help me.

      Business Response

      Date: 04/30/2025

      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: 04/30/2025

      I am rejecting this response because:   
      I have just made a payment to them on 31 March. I made a payment to them in February. I made a payment in January. I was unable to double up because I was having a financial hardship of which I explained that to them I am asking that possibly someone from their executive office possibly the CEO would get in contact with me. I it wasnt like I wasnt paying because I was and I called them to let them know that I was going to make another payment. I understand that I was contractually behind however, monthly I have been making payments whole payments to this company. Please help me to retrieve my car

      Business Response

      Date: 05/07/2025

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

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

      Sincerely,

      Santander Consumer USA ****

    • Initial Complaint

      Date:04/22/2025

      Type:Product 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 file a formal complaint against Santander Consumer USA regarding an unresolved issue with a warranty refund check.On February 20, 2025, a check was sent to Santander by the dealership for the cancellation of a vehicle warranty. For weeks, I was told by multiple Santander representatives that they could not locate the check. As a result, I was asked to send proof that it had been deposited, which I faxed on March 26, 2025.After that, I received conflicting information from several Santander representatives. I was told:The check had already been sent to me.The check was waiting on approval to be sent.I would not be receiving the refund at all, and it would instead be returned to the dealership.The dealership has also tried reaching out to Santander and has received no response.Most recently, I spoke with a representative who confirmed that the check was received by Santander on March 19, 2025, and that per policy, it should be disbursed within 30 days. As of April 22, 2025, neither I nor the dealership has received the funds.This delay and lack of clear communication is unacceptable and extremely frustrating. It is unclear whether the funds are being withheld intentionally, mishandled, or simply ignoredbut at this point, it is clear that something is wrong.I am requesting that Santander immediately disburse the refund to either myself or return it to the dealership so I can receive the refund I am owed. This situation has gone on far too long and must be resolved as soon as possible.Thank you for your attention to this matter.

      Business Response

      Date: 05/02/2025

      Dear Wisaanaa *******:
      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:04/22/2025

      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.
      Im disputing an invalid account reported by ********************/Chrysler capital on my credit report. This account is inaccurate,unverified and violates the Fair Credit Reporting Act(FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnished can not provide proper validation, it MUST be deleted per federal law.

      Business Response

      Date: 04/30/2025

      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

    • Initial Complaint

      Date:04/21/2025

      Type:Customer Service 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.
      the issue is i dont have the car any longer! its been paid off during a settled and they will not remove this inaccuracy for my report ..

      Business Response

      Date: 04/28/2025

      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:04/21/2025

      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 a cosigner on a vehicle that was financed through Chrysler Capital. The vehicle was refinanced through a business name and through a different institution. When the refinance was done, my name was removed from the loan. When Member One ******************** mailed the check to Chrysler, Chrysler sent the check back and said no account found. The check was sent back to Chrysler due to their error. (both names and account number was on the check). I now have a charge off on my credit by them for an error that they made. I want this taken care of, but this is to not fault of mine and this is a Chrysler Capital Issue.

      Business Response

      Date: 04/29/2025

      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:04/18/2025

      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 not liable with the debt of ************** Services **** I do not have a contract with ************** Services **** they did not provide me with the original contract as I requested.

      Business Response

      Date: 04/24/2025

      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:04/17/2025

      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 am not liable for this Debt with Santander consumer USA . I Do not have a contract with Santander consumer USA. They did not provide me with the original contract as requested.

      Business Response

      Date: 04/21/2025

      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:04/15/2025

      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 attempting to make an early payment with Santander, my payments are $469.00 a month snd I always pay a minimum of $250.00 plus a processing fee bi- weekly, my payments are paid in advance at least a month a head, not only do I make regular bi- weekly payments, I often pay and extra $200.00 each month. Santander is adding additional fees up to $39.00 per month and are unable to explain why. They are basically penalizing me for sending in so many payments and over paying. **************** is rude and have no interest in providing assistance. I want to know why Im being over charged while Im over paying. Plus if I owe $1,800 on a$ ********* loan, never been late and I have to pay an additional amount to pay it off early.

      Business Response

      Date: 04/28/2025

      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:04/15/2025

      Type:Service or Repair 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.
      Paid off the car 3 years ago. They will not send the title. Will not respond to any of our attempts to contact.

      Business Response

      Date: 04/17/2025

      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:04/14/2025

      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.
      Re: Account #XXXXXXXXXX | Charged-Off Balance: $8,664 | Open Date: 06/29/2018 To Whom It May Concern,This letter serves as a formal demand for validation and immediate removal of the derogatory charge-off account listed under the above reference. The account in question reflects a late payment and charged-off balance of $8,664 that you claim is owed. I am fully aware of my rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and applicable state laws.I am demanding full validation of this debt, including:A complete payment history Original signed contract or agreement Itemized accounting of the alleged balance Documentation that proves you have legal standing to collect and report this debt If you are unable to provide concrete evidence substantiating the validity, accuracy, and legal ownership of this account, you are required by law to remove this account from all credit reporting agencies and cease all collection activity. Failure to comply will result in me pursuing all legal remedies available, including complaints to the Consumer Financial ***************** (CFPB), the ************************ (***), and my State Attorney Generals office.Furthermore, this account is now over six years old, and if it is beyond the statute of limitations for legal action in my state, continued reporting or collection efforts may be deemed unlawful and a violation of federal law.Let me be absolutely clear: if this account is not validated with full documentation or removed from my credit report immediately, I will take legal action without ************** have 30 days from the receipt of this letter to respond. Non-compliance will be interpreted as a tacit agreement that you cannot validate this debt and that it must be deleted permanently.

      Business Response

      Date: 04/25/2025

      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. 

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

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