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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

    • 2,016 total complaints in the last 3 years.
    • 748 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:04/12/2025

      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. 

    • Initial Complaint

      Date:04/09/2025

      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 bought a truck on 03/08/25 SUV for my wife because the one we had broken down and I bought a 2019 ***** Tahoe at the ******** ****** Acura Sugar Land car dealership and after three days the transmission went out and I spoke to the dealer and they told me to bring the truck in from the day we bought it until today 4/09/25 we have not received any calls from the dealer and I don't know what is happening with the truck but I spoke with Santander Consumer Bank to cancel the car loan they told me that the loan cannot be cancel they cannot do anything I want to know if you can help me I don't know what to do thank you.

      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:04/08/2025

      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.
      The vehicle was paid off in December of 2020 and should have been removed from my credit report. I have verbally confirmed that there is nothing owed to the account, however it is showing as an open account on my credit report.

      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. 

    • Initial Complaint

      Date:04/08/2025

      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 financed through the dealership, who used Chrysler Capital - a sub-company of Santander Consumer USA. In July 2024, I refinanced from Chrysler Capital to my local credit union. Since refinancing, my credit union has been unable to obtain the title from Chrysler Capital/Santander. The credit union title clerks and myself have contacted Santander Consumer USA to have the title released to my paid off vehicle: to no avail. Since my account with ********************** has been paid in full, my "account" no longer exists with them and I am unable to utilize their contact options to get in contact with them easily. I did speak with someone who stated that they will be releasing my title; this was several months ago and the title has still not yet been received. This company has been holding my vehicle title hostage since I refinanced the vehicle loan from them. They accepted the check for payoff, and still have not released the title since July of 2024. As of now, it is April 2025 and I still do not have my title from this company. I am demanding that this company simply release my vehicle title to the credit union that I am now utilizing for the loan: Founders ******************** at **************************************************.

      Business Response

      Date: 04/16/2025

      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 

    • Initial Complaint

      Date:04/06/2025

      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 provided a vehicle from this merchant upon having the vehicle I started to receive problems with it. I decided instead of dealing with the issue I attempted to return the vehicle and was told I would be financially responsible however according to section

      Customer Answer

      Date: 04/07/2025

      New vehicles are covered under the Lemon Law only during the Lemon law rights period (the first 24 months after delivery or for the first ****** miles of operation, after delivery, whichever occurs first).  According to ******* ***** law. But instead they sold the vehicle at the auction and therefore still holding me accountable for the remainder of the contract. Im looking to effectively dismiss this contract and receive a refund or store credit. 

      Business Response

      Date: 04/09/2025

      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, 

      Chrysler Capital

    • Initial Complaint

      Date:04/05/2025

      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 opened in my name with Santander Consumer USA. I am a victim of identity theft and did not authorize the creation of this account. Below are the details of the fraudulent account:Creditor Name: Santander Consumer USA Opened Date: 11/5/2019 Account Number: ***************** High Credit: $5,348 I request that this account be closed immediately and that any negative information associated with it be removed from my credit report. Additionally, I would appreciate receiving confirmation of the account's closure and any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 04/16/2025

      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, INC. 

    • Initial Complaint

      Date:04/05/2025

      Type:Sales and Advertising 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 violated my privacy and stole/ repoed my car in error AGAIN they USED a ******************* Based in ******* Par ************* and that Company Used a ************************ in ** ******** Companies Towing Enforcement Who kept hanging up the phone because I didn't want My Vin Number and Other Private Personal Information Made Public and USED AGAINST ME and When I had an Appointment to Pick Up My Stolen Property They Refused To Release it to me unless I let them take a picture of my Passport on their Personal Cellphone yet they have signs clearly saying that there is no video picture taken beyond the point and the sign behind it doesn't say anything about them needing a photo copy of my id they just need the paper release which they had a week ago I had to call the police on them and the police didn't get my stolen property either and the Car was towed to a different location in Md Bel-Air Auction so these people gave me the run around making me have to get on the phone more than I should have and to keep giving low leave people my Private and Personal information when I reported it to Plymouth Township Police they claimed out of courtesy Lt. ****** wanted to tell me that I had a warrant in his jurisdiction Santander Consumer USA hasn't been My Finance company since they closed my account August 1 2020 and If they reopened a Closed account for any reason to make payments on it to clear my reputation that they destroyed then that's solely on them I'm Not Liable for any of their accounts they own me a New Car because of how they misused my information and prevented me from retrieving my car and property by law they didn't send me the information I was intitled to have and neither did the 4th party that stolen my car and property from Private Residents and neither did the police that the ************** had to report to These Santander Consumer USA Employees are doing the same thing that got them in the Class Action lawsuits 2020

      Business Response

      Date: 04/16/2025

      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 Inc.

    • Initial Complaint

      Date:04/04/2025

      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.
      This is a simple complaint towards Santander consumer regarding my personel account. Since i purchased a vehicle which was loaned by them *** had multiple problems with it and have had to pay out of pocket for repairs ive asked for some kind of help on my accoung either with some defferment or modification to help me catch up with my payments since im having problems with the truck but santander has given me no kind of options regarding helping me with my account i am trying to avoid any kind of repossesion and damage to my credit score and im asking For help which i have not been giving any options till this day. I just ask for someone who can help me regarding my account i am positive that Santander can help

      Business Response

      Date: 04/16/2025

      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: 04/16/2025

      I am rejecting this response because: You just proved my point in the way you handled the situation instead of contacting me for some kind of help you just responded with unfortunetly you cant do anything when we all know you sure can.

      Business Response

      Date: 04/23/2025

      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 ****

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

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