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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:04/11/2023

      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 accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt Collectors are not allowed to communicate with me under the 15 USC 1692C.

      Business Response

      Date: 04/17/2023

      *******************************:

      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:04/11/2023

      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.
      received a notice that I have a collection from SANTANDER CONSUMER USA on my credit report. It says it was opened on 09/15/2019 for $15,789.00 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

      Business Response

      Date: 04/21/2023

      ***********************:

      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:04/11/2023

      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 balance I owe as well as the payment amount has changed. Also I am now current in my payments. I was told my information would be updated in the beginning of April as they report to the agencies at the end of the month. My credit report is still incorrect violating the fair credit reporting act and is impacting my credit score and financial health. I want this fixed immediately.

      Business Response

      Date: 04/21/2023

      **********************:

      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:04/11/2023

      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.
      I bought my truck on 5/2/2022 Vin 3GCOCREC7HG242868 Shortly after buying the truck( within the month of may) I moved to ********* *********. I have tried registering my truck five times now. The clerk office say that the electronic bill of sell isnt what they need. They need the title I have tried to get in contact with Santander consumer USA about this issue on March 15 I had the clerk(Peyton) and a representative from Santander consumer USA they said that they were going to email *************** which she filled out while I was present and returned the complete form. I also have a copy. My issue here is I have tried to register the truck and be a legal driver. Im not on the title yet cause the truck has never been registered, so my loan with them isnt even complete yet. I driving my truck that Im paying for every month and its not even legally in my name. Please help

      Business Response

      Date: 04/21/2023

      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:04/11/2023

      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 given a loan thorough Chrysler Capital and feel that it fall under the category of predatory lending. When I was told the amount it was ****** they neglected to tell me that it was every two weeks. So my payment was ****** a month. That is an unreasonable amount to pay for a 2018 vehicle. I was able to make the payment for about a year and a half before I fell behind. I tried to refinance but that didn't work out either. I found information after the fact that this company has been convicted of predatory lending before. I don't believe that they have changed any at all. They are still taking advantage of people.

      Business Response

      Date: 04/24/2023

      *******************************:

      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:04/11/2023

      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.
      Please help I have been paying this company for 8months for my car my original balance was ****** I have paid them in payments of 625 a month **** dollars and they have not updated my credit report or balance and the address that is reporting on my credit is not the address of the company Santander there address is PO Box ****** ********** ***** ***** please tell me this company is a real one they have not been reporting right and the address thats getting my money is different then the actual company there number is different too its ************

      Business Response

      Date: 04/21/2023

      Dear Mr. ***************** 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 Inc.

    • Initial Complaint

      Date:04/11/2023

      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 for the debt with SANTANDER CONSUMER USA. I do not have a contract with SANTANDER CONSUMER USA You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

      Business Response

      Date: 04/21/2023

      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:04/11/2023

      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.
      On March 6th I called in to Santander consumer USA to do a voluntary repossession. I've been calling for over 24 business days and the car is still parked. Passed around and given the run around, I've been hung up on, lied to, and was also told that the team leader had zero access to her direct supervisor. I was told it would take "a few weeks to process" it's been 24 business days. I've called nearly every day to have the same questions and no resolution. When I call I no longer have to be promoted on information to find my account, 1 for English, 1 for if they called you and it's not your call, birth year, and press 6 to talk to a representative. When the representative comes on the phone, name, last 4 of social, and then what can I do for you? I can recite their menu by memory. I've also been told that they have been driving by my home looking for the car, I've given all information to Santander Consumer USA as to where the car is and all info, and still after 24 business days, I'm hearing the same things over and over and nothing to help with getting the car picked up. The same people that loaned me money have treated me like an incompetent child. I have no other recourse please help.Sincerely ********

      Business Response

      Date: 04/12/2023

      ***************************:

      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:04/10/2023

      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 for this debt at Chrysler Capital and I don't have a contract with NCB MANAGEMENT SERVICES **** They didn't provide me with a original application like I asked.

      Business Response

      Date: 04/18/2023

      *****************************:

      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:04/09/2023

      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.
      I leased a car from Chrysler Suburban in *********** ******** back in 2015. It was a 3 year lease and it was through Chrysler financial. I returned the vehicle back to the dealer in 2018. The vehicle was inspected and I took photos of the car and the mileage and dealer received the keys and gave me a clearance form with the mileage and showing that they received the car. The vehicle was in excellent shape and was ***** miles under the allowed mileage. As far as I was concerned, the vehicle was turned over and I was all set. Fast forward to last week as I am in the process of purchasing a home and upon viewing my credit report, it showed an active loan with a balance of almost ****. I thought this was a joke or a scam so I immediately called the phone number on the report. First Agent informed me that the vehicle was inspected by the dealership and that there was wear and tear and then there was a return fee of $395 plus other fees. I told her that it was impossible and that its been 5 years since I returned the car. She notified me that I can dispute the charges and transferred me to another number to file the dispute. The lady I spoke on the phone was supposed to be from corporate and was very rude. She said that it was my debt and that I had to deal with it. Furthermore, she refused to provide me with a copy of the inspection report, that would show the damage they are claiming to the vehicle. I told her that I am entitled to have proof or at least provided with a copy of what is being claimed against me and she refused to listen to me. Chrysler financial is ruining my life and now its blocking my purchase for a new home and with the pandemic that happened and everything that occurred they are trying to ruin credit by submitting false claims. I tried to reach corporate and they were not interested in calling me back. This is unbelievable that a car company would do that to anyone especially one of its customers. They claim car was sold. They wont show me proof Please help me.

      Business Response

      Date: 04/24/2023

      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: 04/26/2023

      I am rejecting this response because:   
      that damage that they are sending pictures is not accurate. The vehicle was returned way under mileage allowed and with no damage. The $395 should have been waived because I leased another Chrysler vehicle from a different dealership. Also there is no way of knowing if that damage was caused by staff or the dealer or whoever moved the vehicle. As far as payments, they vehicle was turned over in time and without any late payments. Account was closed back on 2018. I was shocked to discover about it in 2023. 

      Business Response

      Date: 05/02/2023

      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 

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

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