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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.
    • 752 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:04/14/2025

      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. 

    • Initial Complaint

      Date:04/14/2025

      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.
      *** never did business with Santander. I purchased a vehicle in 2016 from ***********. As soon as I got the car home the check engine light came on. I ended up negotiating with Gateway One about the condition of the vehicle engine. Long story short, they went out of business and Santander purchased the loan years after I was already done with them. I never received any notice that Santander was the new lender because it was years after the loan wasnt even on my credit report. This vehicle sat at the repair shop for 3 years waiting for an engine, last Sept a tree fell and totaled vehicle. After speaking with insurance company they said Santander now has a lien on my truck. *** never did business with Santander and they dont have a signed agreement saying that they have permission to pay Santander. So the check is just sitting there. Santander agreed to accept $1000 and then sent another letter demanding the entire amount of the insurance check once they found out truck had been totaled. But *** never done business with them and plus the state of limitations have passed. I spoke to **** over at Corporate who was to confirm that the statues of limitations have passed, which she obviously did confirm, because all communication stopped after that phone call and she wont take any of my calls. Id like to remove Santander and receive my payment from my car. They cant collect because they are NOT listed as the owner.

      Business Response

      Date: 04/09/2025

      We have confirmed this complaint should be responded to by Santander Consumer, our auto division. Please forward complaint to Santander Consumer for a response.

      Customer Answer

      Date: 04/09/2025

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      My complaint is not settled because they said this needs to be forwarded to Santander Auto Division[.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      *******

       

       

      Business Response

      Date: 04/22/2025

      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: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.
      I'm sending this complaint I'm not liable for the debt with Santander Consumer U. I have not received the original contract stating that I'm reliable for this debt I have requested documents, and they have not been provided.

      Business Response

      Date: 04/23/2025

      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:04/14/2025

      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.
      MY LOAN WITH CHRYSLER CAPITAL REACHED IT'S MATURITY DATE DESPITE BEING AWHARE OF THIS THEY NEVER SENT ANY LETTER OR EMAIL OR ANYTHING OR THERE WAS NOTHING ON THERE PAGE STATING THAT IF THE FULL AMMOUNT OF THE LOAN AFTER IT REACHED IT'S MATURITY DATE WAS'NT PAID IN FULL AFTER 30 DAYS IT WOULD BE CONSIDERD LATE SO KEPT MAKING MY REGULAR PAYMENTS SO BETWEEN FEBUARY 28, 2025 THROUGH MARCH 31' 2025 AFTER THEY REPORTED ME LATE MADE MY ALMOST PERFECT CREDIT SCORE DROP DRASTICALLY AND I WANT THEM TO CORRECT THIS AND REMOVE THAT LATE NOTICE BECAUSE LACK OF THERE TRANSPARENTCY AND BEING MORE INFORMAL CAUSED THIS ISSUE THIS COMPANY IS TO LARGE TO LACK INFORMATION I SPOKE TO SOMEONE APRIL 11, 2025 THEY DID A LOAN MODIFICATION SO THIS WON'T HAPPEN AGAIN BUT I STILL WANT THEM TO CORRECT THAT LATE **** ON MY CREDIT REPORT SO IT CAN BRING MY SCORE BACK UP AND REMOVE THAT NEGATIVE REMARK SO BBB PLEASE HELP WITHTHIS ISSUE.

      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, 

      Chrysler Capital

    • 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.
      This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. SANTANDER ACCOUNT no.: ************* DATE OPEN: 03/01/2023 BALANCE: $18,515.00

      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 ****

    • Initial Complaint

      Date:04/12/2025

      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 do not have any contract with Santander Companies yet they are reporting a negative account on my credit score; I am not liable for this debt. Santander/Chrylser cannot provide me proof of contractual obligation when requested.

      Business Response

      Date: 04/14/2025

      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:04/12/2025

      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 lost my job and got behind on my payments and my payments are ****** a month but still made a partial payment between ****** and ****** every month on the3rd for about 3 months. I have got a new job now and Santander has mailed me a letter saying if I dont pay ****** they are coming after my car. I have til the 12th to pay it and if they will give me to the 23rd of April I will have it paid up and possibly another payment ahead. Please help me. This company is not easy to deal with at all. ****** *****

      Business Response

      Date: 04/22/2025

      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:04/12/2025

      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 completed payment of a loan with said company. received a copy of loan agreement stamped paid but not my letter of confirmation of loan completion signed or title to vehicle I now legally own. i tried to get through to Santander several times and even had the original lender ************ contact them on my behalf which they attempted twice with me on the line also with no success.time of loan completion April 17 2024 online account I know longer have access to as it has been deactivated due to completion of loan

      Business Response

      Date: 04/24/2025

      Dear Ileiah ****,   

      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:04/11/2025

      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.
      Company alerted me of possible fraudulent transaction I confirmed transaction were fraudulent and immediately called the bank 10 days later provisional credit was provided 10 days later credit was then debited from my account Called ******************** and they said the investigation denied the claim and it wasnt fraud They alerted me of the fraud, the fraud happened in a different state and now I am being penalized due to their faulty investigation

      Business Response

      Date: 04/15/2025

      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 ****

      Customer Answer

      Date: 04/24/2025

      I am rejecting this response because:   This is not resolved as they have request more information from me.

      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.
      Santander Consumer USA ****

    • Initial Complaint

      Date:04/10/2025

      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.
      On 3/10/2025 I made a payment by phone for $1,369.69 to my account. Today I get an alert on my credit report I'm 30 days late on my vehicle payment, knowing I just made a double payment last month 3/10/25 I thought there is no way I'm late so I log into my account and they have me down for 51 days late, I make another dble payment and call customer service about the "missing payment" and was told they never received it. I told the person on the phone that it was drafted out of my account on the 10th at 1501 by Starmark Financial using my debt card. I have the proof it was taken out of my account thru my bank statements. I was told that the payment wasn't received again and I needed to make an inquiry with my bank. So now my credit report took a major hit and I have to somehow prove that I made a payment. I have the transactions on my statements, but they can't find the transaction.

      Business Response

      Date: 04/18/2025

      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. 

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

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