We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
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

Find a Location

Santander Consumer USA, Inc. has 14 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/06/2023

      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 HAVE A LETTER OF CANCELLATION OF **** BECAUSE WE SETTLE THE **** AND ITS SUPPOSE TO BE DELETED AND ITS STILL REPORTING ON MY CREDIT REPORT AND I WAS SUPPOSED TO GET THAT OFF ON ALL 3 REPORTS AND IT'S STILL NOT OFF.

      Business Response

      Date: 04/18/2023

      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. 

      Customer Answer

      Date: 04/18/2023

      I am rejecting this response because: I am not responsible for any of this debt anymore.

       

      Business Response

      Date: 05/03/2023

      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:04/05/2023

      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 company repossessed my vehicle on August 15th, 2022. And by law I have the right to redeem the car and all of my belongings in it before it is auctioned off. The car has not been sold and I would like to redeem my property in the same condition that it was taken in. I have attempted to get a full payoff presentment so that I could settle the alleged debt/balance. No one answers and I have been locked out of my account. I'm just trying to get the payoff statement!! Account number # ******** ******************************** 2018 ******* ACCENT

      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:04/05/2023

      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.
      I am not liable for this debt with Chrysler Capital and I do not have a contract with them. They did not provide me with the original application like I asked.

      Business Response

      Date: 04/20/2023

      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 

    • Initial Complaint

      Date:04/04/2023

      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.
      Santander Consumer USA sent a payoff letter on 2/21/2023 with a payoff date of 3/07/2023. On 2/24/2023 USAA send a check for $12,723.42 to pay off a vehicle loan via ****** The confirm delivery from ***** to Santander is 2/25/2025 at 11:45 PM, Saturday. Santander Consumer USA hold off in processing the payoff until 16 days after on 3/14/2023. The vehicle is refinance with USAA; Santander Consumer is requesting an additional $503.69 due on 5/15/2023 in order to release the title lien to USAA. Account number is **********

      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,

      SANTANDER CONSUMER USA, INC.

    • Initial Complaint

      Date:04/03/2023

      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.
      We purchased this vehicle and has 72 months to pay on the car. We have paid the 72 payments. We are total that the late fees equals ****** and the misc fee is ****** RTn payments but ******* is still owed on the car. This is due to simply daily interest they say. The matured date was June 2022 and with the deferred payments it was extended to March 2023. Which was paid in full. Now the company still says we owe them *******. And on that amount it will continue to earn interest daily! This will continue to be an everlasting process of paying on this vehicle due to a everyday interest. Please review and assist us with this matter. Thanks

      Business Response

      Date: 04/14/2023

      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 Inc.

    • Initial Complaint

      Date:04/03/2023

      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 with santander consumer usa and do not have a contract with them. they do not provide me with the original application like i asked

      Business Response

      Date: 04/12/2023

      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 Inc

      Customer Answer

      Date: 09/15/2023

      in accordance with the fair credit reporting act the listing account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC **** my information has been compromised or breached, and this debt is not mine please remove this immediately. i am not liable for the debt to original creditor. i do not have a contract with collections name and was not given one when requested.

      Business Response

      Date: 09/22/2023

      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. 

    • Initial Complaint

      Date:04/03/2023

      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 approved for a extension about t 2 weeks ago and never received the paper to sign it now i called to them know that i am going to make a payment on the account and they told me that i cant still get the extension

      Business Response

      Date: 04/13/2023

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

      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:04/03/2023

      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 have made all my car payments and I have late payments in my credit history I need them to solve this I have all my payment receipts I have contacted the company but no one has resolved the situation. I need you to correct the late payments in my account as soon as possible.********************************* Account: ********** **************************************************************

      Business Response

      Date: 04/13/2023

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

      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:04/03/2023

      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.
      Santander is a subprime predatory lender. Predatory lending is a lending practice that imposes unfair or abusive loan terms on a borrower and persuades a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower cant afford.My Daughter a Military Airmen serving in ***************** Airforce at the age of 21 was put in a subprime loan that made it almost impossible to keep up with the payments of $787.40 for a used 2018 vehicle withan APR of *****% for 72 months on her military salary .When She notified this lender of her active duty status and invoked the **** the the interest rate was never reduced to the 6% that was required to be done by the **** And the debt was put in a "chargeoff"status therefore making it impossible for my daughter to purchase another vehicle .When we called a few weeks ago to try to work out a pay off amount they said one thing but refused to put it in writing .When we called back another agent gave a different story and raised the total payoff amount to more than $35,000 making it even more difficult for *********************** to get from under this vehicle .We are requesting that this negative information be removed and that the payoff amount be reduced by 75% or more so that my daughter *********************** may be able to be released from the abusive unreasonable and neverending contract #********.

      Business Response

      Date: 04/05/2023

      Dear  Sir or Madam: 

      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. 

      Customer Answer

      Date: 04/06/2023

        I am rejecting this response because:   This is *********************** on the complaint along with my Mother ******************* My Account #with ******************** is ********

      Customer Answer

      Date: 04/06/2023

      Also here is the form that was faxed anto Santander Consumer today allowing communications with the BBB so if you can please request a response to the complaint again now that the company has the written consent .Thank you .

      Business Response

      Date: 04/21/2023

      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 Inc.

    • Initial Complaint

      Date:03/31/2023

      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 viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am a consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name ********************** Balance $14,987.00 Account Number *****************

      Business Response

      Date: 04/10/2023

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

      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.

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

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.