Business Profile

Consumer Finance Companies

Santander Consumer USA, Inc.

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Santander Consumer USA, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,016 total complaints in the last 3 years.
740 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:02/06/2023
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
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, Chrysler Capital Acct # XXXXXXXXXXXXX has violated my rights under 15 USC XXXX XX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency *** make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Business Response
Date: 03/23/2023
Business Response /* (1000, 5, 2023/02/20) */
Dear Mr. *******:

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:01/21/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 the above date and approximate time I was notified by Experian that Santander Consumer USA, *** placed a fraudulent account without my knowledge. ******* ***************** report #T23001580 ************************ Identity Theft Affidavit Report #********* the account was established on october 2020 and I was ** Army Active Duty Status in ******* when this account was established in *****************. I exhausted all my remedies with this company. Experian Refuses to blocked this fraudulent information,
Business Response
Date: 01/31/2023
***********************************:

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.
See Attachment/File: **********.*******.Response.01312023.Final.pdf
Customer Answer
Date: 02/24/2023
On the above date and approximate time, ************************************* positive Identified by ******** Driver License #************ Victim of Identity Theft. ************************ stated "he noticed fraudulent activity of his credit report and didn't give permission for anyone to open and establish a Santander Consumer USA account nor purchase a vehicle. ************************ also provided information that he was stationed in the U.S Army ********* Installation on active-duty status from May 14, 2021, through May 12, 2022. ************************ stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of October 5, 2020 (offender) unknown at this time. Opened a Santander Consumer USA account #***************** without the knowledge and permission of ************************************* in the amount of $15,428. Using an expired ******** Driver License of ************************************* that was turned in to the ******** Secretary of ************* The offender was able to purchase a vehicle from ************************* of ******** on the above date.

See Attachment/File: Attachments
Business Response
Date: 03/07/2023
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.
See Attachment/File: ****************************.Response.03072023.Final.pdf
Customer Answer
Date: 03/08/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
Identity theft
See Attachment/File: Cfb
Customer Answer
Date: 03/08/2023
***Document Attached***
Identity theft
See Attachment/File: Ftc

Initial Complaint

Date:01/20/2023

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 said I was passdue I paid all of pass-due in the Amount t of ******* on 01/03/2023 which now says I'm current and due on 01/24/2023 in the amount of ****** but my credit report says charged off but when I call the system says current and I also have receipts from Santander saying current this company just recently had to pay 55 million out in 34 states for the same wrong doing this isn't right and they should not be able to continue to wrong consumers please put this at top priority because this company needs to be stopped of all wrong doings

Business Response

Date: 02/01/2023

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

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.
See Attachment/File: **************************Response.02012023.Final.pdf

Customer Answer

Date: 10/30/2023

I got a car from Santander in 08/2021 I put down ******$ but my payments were still 670$ a month every month the balance due was wrong they were always rude in 12/2022 I made about a ***** plus payment and ******* still put it in charge off that same month but thats ok the payment I never received any paperwork about it in 04/2023 the car was picked up but it is still sitting on my report the amount is wrong my ****** never reflected and I havent heard anything from this company since they beat me out of thousands of dollars and got the car this company is horrible

Business Response

Date: 11/08/2023

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 ****

Initial Complaint
Date:01/11/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
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.
When we came up to the lot, we noticed there were a lot of salesmen greeting ** and asking me and my husband to fill out credit paperwork, getting copies of our driver's licenses/I.D.'s, Letters of our income from Social Security, which were very skeptical. They NEVER once said it would be SANTANDER CONSUMER USA! If they had mentioned ANYTHING about the 30 states lawsuit we would have immediately walked out of that lot, got into my son's car I had at the time which was another Bogus loan I've had to report! A 2019 ************* the very same car, just a different color the detailer got for his girlfriend, No income non paying, making her credit better than ours by stealing our income towards BOTH these cars! When I tried refinance OUR Versa, her amounts of her Versa shows up on our Versa making the payments $437.26 per month at a ****% interest rate on our credit instead of $218 per month! Which is ALSO why our credit is not going up in the 3 YEARS of our payments ON and Off time due to the lawsuit to pay off other customers and because of her Versa being paid for by US! She does not pay ANYTHING while WE have paid for 3 years Registration and Full coverage insurance 1st with Progressive 2 years $137 and now with AAA of $161.47! See how we keep getting Ripped-off! We keep paying way more than we're suppose tombe paying while a non-working, non-paying girlfriend just ride around for Free! THIS is a form of Identity Theft which we're also are victims of and I have reported to all 3 credit bureaus! That Should be some Excellent Credit for US! SANTANDER CONSUMER USA is causing several crimes of the Consumer's **************** and Federal **************** creating confusion and misleading or misunderstanding in violation of Sec ***** (4)(xxi) and 73 ********-2(4)(v) and (xxi). On Jan 6th, 2023, SATAN SANTANDER CONSUMER USA came to HomeTown Studios in **************, ** *****, while we were trying to stay out of a FLOODING, high winds, TOWED our 2019 ****** *************
Business Response
Date: 01/26/2023
*************************:

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.
See Attachment/File: ******************.Response.01262023.Final.pdf
Business Response
Date: 12/14/2023
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 ****
Initial Complaint
Date:01/09/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
Account was paid at the end of each month company charged off our account for a bad debit which it was not with no written letter or anything.... I have all statements and payments and credit reports where when they updated everything was incorrect ... when we called to figure out what was going on representative told us if we learned to pay out bills this would not happen and was also told that the vehicle was written off for tax purposes have tried to contact Santander numerous times with help to this matter and they refuse to help I am begging for help in this matter please when talking to them today we ask what we could do to have this removed they told us absolutely nothing that this is what happens when people don't pay there bills and we got what we deserved ... they have ruined our credit and do not care to help us at all ... I have any documentation needed there is a lot some of the credit report ones are mine and some are my husbands but it shows that there infromatiib to credit bureaus was incorrect the whole time ... thanks so much
Business Response
Date: 01/16/2023
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.

See Attachment/File: **********************.Response.01162023.Final.pdf
Customer Answer
Date: 01/19/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
This is not what response I even asked for this company was in a massive lawsuit and is trying anything they can to get out of it ... mine nor my husbands credit reports are the same through this company my stammers do not add up there is several months I'm which the balance never changed . I know what the contract states that is not what I was looking for the fact this company never sent a charge off to us and then told us we got charged off as a tax write off is very unprofessional!!! This company should not even be in business they try to mess people over and then don't even want to help them ... I have all of my credit respites and statement which Santander had actually tried to delete from there end but I already had it all saved before they could get away with it so I wouldn't have proof of the things they was doing several things are incorrect... it will not let me attach all of my files but I will send them by mail to bbb... this has to be addressed and something has to be done with Santander the wash there *************** talks to people and then the info tge submitted is not even what is going on they have screwed me and my family along with millions of other people and it needs to stop ... I will not quit until this is resolved ... Santander is a horrible business and something needs to be done with them ... they should never be able to say they charged you off for tax write off !!! And I do have ever employee number that I have spoke to as well .... Even the one who said if I paid my bills this would not have happened!!!!
See Attachment/File: 1F922AF0-E00A-4222-B757-C9235631999E
Business Response
Date: 01/31/2023
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.
See Attachment/File: **********************.Response.01312023.Final.pdf
Customer Answer
Date: 02/01/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
What I want the company still has not answered because they are complete frauds !!! I have mailed in all of my paper work also it has been turned over to my lawyer for y'all reporting false information on our credit !!!im pretty sure I know how far it is behind y'all have still neglected too see the point in this matter ur system auto generates what it wants ... all paper work has been sent in to all credit bureaus u can't hide your mistakes now when I have copies of them all !!! All I want is the charge off removed from my credit !!!
Business Response
Date: 02/08/2023
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.
See Attachment/File: *******.*******.Response.02082023.Final.pdf
Customer Answer
Date: 02/09/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
This company has still not address my main concern my problem is that this vehicle was put on our credit as a charge off bc of bad debit when in reality that did it for a tax write off !!! We are not the only person that they have done it too ... also my husband was active in the miltary and they never addressed this nir did our interest rate every decrease!!! I am once again trying to get the charge off removed from my account !!! This is exactly why y'all had a lawsuit against y'all pretty funny I have the voice recording of the person saying y'all wrote our vehicle off !!! So address this correctly
Business Response
Date: 02/21/2023
Dear *****************************:
We appreciate the opportunity to address your concerns. Please see our attached response regarding your request.

Thank you.
See Attachment/File: **********************.Response.02212023.Final.pdf
Customer Answer
Date: 02/22/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
My concern has still not been addressed!!! My account was charged off without any written notice or anything I have every copy of everything and every employee id of everyone I have spoke to that also said my account was written off for tax purposes for y'all !!! Now this is on my credit and y'all have no means to help anyone !!! And I guess with ***** attempts that aren't anything bc my husband has been on orders and everything was sent in to the correct department!!! The credit bureaus has as well found mistakes with yalls reporting I have copy's of it all before y'all tried to correct them !!! All I am trying to do is get the charge off ... off my account ... when I have proof for 3 months my balance never changed and when I addressed y'all about it I was hung up on ... which is not very Perfesonal because of yalls mistakes ... I will not settle this because y'all see no wrong with what y'all have done ... in fact there is tons of proof that y'all keep avoiding !!!
Business Response
Date: 03/02/2023
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.
See Attachment/File: **********************.Response.03022023.Final.pdf
Customer Answer
Date: 03/03/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
My payment had been made the end of each month it may have been behind but it was being made... and y'all just completely charged off my account for bad debit when in fact it had been later than that before all this boils down to is after the law suit y'all hVw to try to get money back somehow and scamming people is what y'all do I had been making payment and some months it was 2 payments I am demanding this charge off be removed from my credit
Business Response
Date: 03/09/2023
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.
See Attachment/File: **********************.Response.03092023.Final.pdf
Customer Answer
Date: 03/10/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
Nothing y'all have ever done is clear ... as I said I will not stop until the charge off is removed and believe me after what has been sent over the the credit bureaus y'all will delete it ... y'all have so many flaws and what's makes it best is my lawyer found everyone of them have a wonderful day !!! Because I will not stop until this is removed from my credit because of yalls actions !!!!good day now
Initial Complaint
Date:01/07/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 Wednesday January 4,2023 at 11:30 am Santander came and repossessed my vehicle I called customer service they told me that they haven't received a payment from September 2022 til December 2022... I immediately went to the same check cashing place where I have been making my payments for the past 3 years I have a copy of my payments I only missed December...so they lied and repossessed my car I then paid them **** and I got my car back within 24 hours but Santander tactics are very disturbing and illegal the harassment everyday is sickening they call my home and cell phone 3to 4 times a day I have over **** calls from them, they lie and play games telling you that your behind on your payments and scare and trick you into giving them more money in my opinion it's criminal practices and something needs to be done about this company .
Business Response
Date: 01/24/2023
*********************** :

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

Sincerely,

SANTANDER CONSUMER USA, INC.
See Attachment/File: ******************.Response.01242023.Final.pdf
Customer Answer
Date: 11/17/2023
Intimidating bullies there customer service agents call you harassing scare tactics and lie , they repo my car saying I haven't paid in months, the very next morning I picked my car up now 2 months later there saying again they didn't receive my payment and I'm behind on my payment by a huge amount so the check cashing place caught them in a lie they told them that all my payments are processed this is the second repo and they keep using the same tactic and I'm sick of it and it's criminal practices.
Business Response
Date: 11/30/2023
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 ****
Customer Answer
Date: 12/02/2023
I have reviewed the business response and accept this resolution.
Initial Complaint
Date:12/19/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC ****. I have the right to privacy. Also according to 15 USC ****. No Financial institution is not suppose to share my information to ******************. I am not liable for this debt with Account and do not have a contract with them. They did not provide me with the original application like i ask. This is clear violation of my federally protected consumer right. Delete Accounts and I want $1000 per Violation.
Business Response
Date: 12/30/2022
***********************:

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.
See Attachment/File: ******************Response.12302022.Final.pdf
Customer Answer
Date: 01/02/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
I am a victim of identity theft and by law any information on my credit that does not belong to me need to be remove within 4 days. Please remove this account off my name.
Business Response
Date: 01/12/2023
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.
See Attachment/File: ******************Response.01122023.Final.pdf
Customer Answer
Date: 01/13/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
The information on my report that are a result of identity theft. According to the fair credit report act 15 USC ****. I have the right to privacy. This is clear violation of my federally protected consumer right, please this Delete off my credit Accounts immediately.
See Attachment/File: *****************************
Customer Answer
Date: 01/16/2023
The credit Bureaus never did a proper investigation according to the ****

The Term "investigation consumer report" means a consumer report or portion thereof in which information on a consumer's characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this.

Also, they have violated my right even more

in accordance with the Fair Credit Reporting

Everything has to be 100% Accurate on my credit report.

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment. This ground for removal,

They have violated the law because according to

15 U.S.C **** section 602 A. States I have 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.

15 U.S.C ****c. (a)(5)section states: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Business Response
Date: 01/16/2023
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.

See Attachment/File: ******************Response.01162023.Final.pdf
Customer Answer
Date: 01/17/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
Please See attachment
See Attachment/File: SANTANDER ACTION SUITE - 5-19-20
Customer Answer
Date: 08/15/2023
I Identified information on my report that are a result of fraud and Identity theft. Please remove fraud information off my credit report.
Business Response
Date: 08/24/2023
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: 08/28/2023
I am rejecting this response because:
the information thats been reported about me is inaccurate.
mans there no proof to prove the accuracy of this accusation.
in accordance with the Fair Credit Reporting . Everything has to be 100% Accurate on my credit report.
The company never did a proper investigation according to the FCRA
The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

In accordance with The fair Credit Report Act 15 U.S.C ****& Fair Debt Collection Practices Act 15 U.S.C 1692
this account has violated my rights.
15 U.S.C **** section 602 A. States i have right to privacy.

15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15usc **** no right to report info
15usc **** (a) Accuracy and fairness of credit reporting (b) Reasonable procedures

15 U.S. Code **** - Obligations with respect to disclosures of personal information.

b) Opt out
(1) In general

b) Opt out
(1) In general
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless
(A) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party;

B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
(C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Customer Answer
Date: 08/28/2023
the information thats been reported about me is inaccurate.
mans there no proof to prove the accuracy of this accusation.
in accordance with the Fair Credit Reporting . Everything has to be 100% Accurate on my credit report.
The company never did a proper investigation according to the FCRA
The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

In accordance with The fair Credit Report Act 15 U.S.C ****& Fair Debt Collection Practices Act 15 U.S.C 1692
this account has violated my rights.
15 U.S.C **** section 602 A. States i have right to privacy.

15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15usc **** no right to report info
15usc **** (a) Accuracy and fairness of credit reporting (b) Reasonable procedures

15 U.S. Code **** - Obligations with respect to disclosures of personal information.

b) Opt out
(1) In general

b) Opt out
(1) In general
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless
(A) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party;

B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
(C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Initial Complaint
Date:12/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 reached out to SANTANDER CONSUMER USA. They have disregard my complaint, have failed to respond and have failed to validate the alleged claim pursuant Fair Credit Reporting Act 15USC ****, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, they are reporting inaccurate and incomplete credit information. I demand these late payments be removed from my credit report immediately. At no time I have I given consent for my information to be published and it is a violation against my privacy, which is aggravated identity theft. You also do not have any permissible purpose to furnish my personal information to any third party. Your company is in clear violation of the law. Under 15 USC ****b - permissible purpose of consumer reports, THE *** CLEARLY STATES:a. IN GENERALSubject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.Did I give you written instructions to ************ account on my credit report'Furthermore, the FAIR CREDIT REPORTING ACT 15 USC ****a(2)(a)(i) Exclusions from a consumer credit report clearly states:(2) EXCLUSIONS.-Except as provided in paragraph (3), the term "consumer report" does not include-A. Subject to section ****s-3 of this title, any(i) report containing information solely as to transactions or experiences between the consumer and the person making the report;Delete the above late payments from my consumer report, this agency is in violation of 15 USC ****.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking $ ***** per violation for:Defamation of Character (per se)Negligent Enablement of Identity FraudFair Debt Collections Practices Act 15 USC ****g violations Fair Credit Reporting Act 15USC **** violations for willful noncompliance - 616. Civil liability for willful noncompliance (15 U.S.C. ****n)Account Number: *****************
Business Response
Date: 12/28/2022
******************* :

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.
See Attachment/File: *****.****.Response.12282022.Final.pdf
Customer Answer
Date: 02/22/2023
I have reached out to SANTANDER CONSUMER USA. They have disregard my complaint, have failed to respond and have failed to validate the alleged claim pursuant Fair Credit Reporting Act 15USC ****, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, they are reporting inaccurate and incomplete credit information. I demand these late payments be removed from my credit report immediately. At no time I have I given consent for my information to be published and it is a violation against my privacy, which is aggravated identity theft. You also do not have any permissible purpose to furnish my personal information to any third party. Your company is in clear violation of the law. Under 15 USC ****b - permissible purpose of consumer reports, THE *** CLEARLY STATES:a. IN GENERALSubject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.Did I give you written instructions to ************ account on my credit report'Furthermore, the FAIR CREDIT REPORTING ACT 15 USC ****a(2)(a)(i) Exclusions from a consumer credit report clearly states:(2) EXCLUSIONS.-Except as provided in paragraph (3), the term "consumer report" does not include-A. Subject to section ****s-3 of this title, any-(i) report containing information solely as to transactions or experiences between the consumer and the person making the report;Delete the above late payments from my consumer report, this agency is in violation of 15 USC ****.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking $ ***** per violation for:Defamation of Character (per se)Negligent Enablement of Identity FraudFair Debt Collections Practices Act 15 USC ****g violations Fair Credit Reporting Act 15USC **** violations for willful noncompliance - 616. Civil liability for willful noncompliance (15 U.S.C. ****n) Account Number: *****************
Business Response
Date: 03/02/2023
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.
See Attachment/File: ***************.Response.03022023.Final.pdf
Customer Answer
Date: 03/16/2023
I have reached out to SANTANDER CONSUMER USA. They have disregard my complaint, have failed to respond and have failed to validate the alleged claim pursuant Fair Credit Reporting Act 15USC ****, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, they are reporting inaccurate and incomplete credit information. I demand these late payments be removed from my credit report immediately. At no time I have I given consent for my information to be published and it is a violation against my privacy, which is aggravated identity theft. You also do not have any permissible purpose to furnish my personal information to any third party. Your company is in clear violation of the law. Under 15 USC ****b - permissible purpose of consumer reports, THE *** CLEARLY STATES:a. IN GENERALSubject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.Did I give you written instructions to ************ account on my credit report'Furthermore, the FAIR CREDIT REPORTING ACT 15 USC ****a(2)(a)(i) Exclusions from a consumer credit report clearly states:(2) EXCLUSIONS.-Except as provided in paragraph (3), the term "consumer report" does not include-A. Subject to section ****s-3 of this title, any-(i) report containing information solely as to transactions or experiences between the consumer and the person making the report;Delete the above late payments from my consumer report, this agency is in violation of 15 USC ****.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking $ ***** per violation for:Defamation of Character (per se)Negligent Enablement of Identity FraudFair Debt Collections Practices Act 15 USC ****g violations Fair Credit Reporting Act 15USC **** violations for willful noncompliance - 616. Civil liability for willful noncompliance (15 U.S.C. ****n)Account Number: *****************
Business Response
Date: 03/27/2023
*******************:

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.
Business Response
Date: 03/27/2023
*******************:

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:12/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 10/24/2022 I spoke with a representative with initials ***** I requested a deferment for my October payment which he provided. In addition he stated I could pay 92 for the next 6 months for the month of November, in addition to my regular monthly payments. I called back due to constant collection calls. I was told by ******** who stated she was at the executive office on 11/30. She advised they do not offer payment arrangements and she will review the call and see how they assist me. I then spoke with ***** on 12/1 who stated she, herself had not reviewed the call and that they do not offer arrangements and they could do a promise to pay.
Business Response
Date: 03/16/2023
Business Response /* (1000, 5, 2022/12/16) */
Dear Ms. ***:

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:11/13/2022
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
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.
Fixed late payments on car they stated I didn't pay this amount they sent the car to the collection agency when the amount was paid after being repoed
I have the bank statement to back it up
They have not fixed it neither will they take the fees off
Business Response
Date: 02/23/2023
Business Response /* (1000, 5, 2022/11/29) */
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.

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