Complaints

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

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  Santander Consumer USA, Inc.

  1601 Elm St. STE 800 Dallas, TX 75201-4701

• 

  Chrysler Financial Corp

  PO Box 2993 Milwaukee, WI 53201

• 

  Santander Consumer USA, Inc

  5201 Rufe Snow Dr #400 Fort Worth, TX 76180

• 

  Santander Bank

  10440 Little Patuxent Pkwy Columbia, MD 21044

• 

  Chrysler Financial Corp

  175 N. Patrick Blvd. Suite 150 Brookfield, WI 53045

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:06/09/2025

  Type:Service or Repair 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.

  So Im financing your vehicle and the vehicle was at the dealership due to a dealership running the engine. I just got the vehicle back and the repossession tow truck driver took it and he validated my rights. I was outside of the vehicle before he even pulled in front of the vehicle. He forced his way to tow the vehicle after I told him repeatedly to stop, and I have video to prove everything he violated my branch of peace rights he also was making verbal threats

  Business Response

  Date: 06/18/2025

  Dear Richard Miller,       
  
  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:06/06/2025

  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.

  Im filing this report on Santander due to the filling reasons:1. Credit reporting violation- Santander has failed to provide accurate and reliable consumer loan data to credit reporting agencies.Santander is reporting on my credit reports that I have 100% of the loan to pay off while also reporting that Ive made 33% payments on time. They also have different amounts for my payoff amounts. 2. Feb ********* car initially purchased) payments were made by Drive Direct. Santander states that I didnt make my personal FIRST payment for ***** 2024, but its recorded on my credit reports as being received. They state they cant find it. When asked for the print out of all payments made, I received the run around and told Id have to wait 7-10 business days to receive and email with that information. To stall me. Obstructing me from performing civil duties. 3. Ive had the car 13 months, there are 11 payments made. When they picked up my car, I WAS NOT in repro stage due to NOT being more than 3 months & 10 days behind (I have the payment emails for proof)4. Santander exposed me to a high-risk loan they knew couldn't afford, Santander entrapped me in a subprime loan with extremely high interest. I found out Im paying 28% interest for my car for 72 months. A clear violation of consumer rights for which they have been PREVIOUSLY sued for doing and continuing to do. 5. When contacted, Santander stated that they would have to find what happened to the missing payment for Apr 2024 (of which has been reported to the credit bureaus as paid) and that I would have to wait, without a car until they find it. And that I have until the 6/19/25 for them to find, and if they dont, my car will be sold at that time. And for me NOT to make any payments at this time until they find the money. This is in violation of consumer rights/law Attached, you will find the credit reports showing that the payments for ***** have been made and reported to the credit bureaus.

  Business Response

  Date: 06/17/2025

  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 ****

  Customer Answer

  Date: 06/17/2025

  I am rejecting this response because:   I have proof of all payments made via their own portal. I have attached said screenshots. Bottom line, they moved prematurely and thought I didnt have proof of such. Which I do. And here it is. These screenshots contradict what they are saying as well as disproves the theory of them rearranging payments to justify their actions

  Business Response

  Date: 06/26/2025

  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:06/05/2025

  Type:Service or Repair 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.

  Santander USA finance company unfortunately I made a mistake when I got my loan from them. This finance company has reoccurring late fees for amounts up to $245 $34 $24 the amount always changes they constantly say they dont receive my paymentspayments that I make are not being added to my loan correctly, they report negative and accurate information to credit bureaus the money. The payments are taken my account every month however, this finance company denies ever receiving payments . When they call customer service to try to resolve matters, I didnt know representatives are very rude unprofessional some dont know the day or the month that theyre living in. They talk over me. They dont let me speak. I cant ask questions. They wont send me my statements they wont let me look at my statement online. I need help at this point I dont know how to fix this situation . I pushed my car over three years ago and the price is still at ******. It does not go down. They say its due to the interest rate.

  Business Response

  Date: 06/18/2025

  Dear Epolita Carion:
  
  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:06/05/2025

  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.

  Recenty I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verity as accurate Santander Consumer ************ Under 15 U.S. Code 1681e (bjAccuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code 1681i (5) Treatment of inaccurate or unverifiable information(A)in general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and il)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately

  Business Response

  Date: 06/18/2025

  Dear Abrahan Arcía,   
  
  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:06/04/2025

  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 got a car loan with Santander consumer USA on January 15, 2019 for ******. My maturity date is June 1, 2025. I have two payments of ****** as well as a ****** late fee that I still owe. I was under the assumption that when I made these payments that my car would be paid off and I would receive my titles. I have a 72 month loan agreement of which 70 payments have been made. Upon looking at my account online I notice and additional 3900 dollars of interest was charge to my account for late payments and four extension that was added to the end of the loan. l've already paid *********. Santander charge me extra interest for late payments that I wasn't aware of. This is unethical business practices. In 2020 attorney generals in 33 states file a lawsuit against Santander for predatory lending and making high interest loans to consumers they knew couldn't afford them.

  Business Response

  Date: 06/16/2025

  Dear Kimberly Edwards,     
  
  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:06/04/2025

  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 am writing to report a fraudulent account that has been opened in my name with SANTANDER. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: SANTANDER Opened Date: 4/24/2021 Account Number: *****************High Credit: $23,695.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 06/16/2025

  Dear James Russell Lee:
  
  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:06/03/2025

  Type:Service or Repair 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.

  Santander acting for Gateway one will not provide a lien release that the state of Texas will accept. We have reached put by registered mail, phone, and email !multiple ti!We starting in 2023.We can not use the portal since the loan originated with ***********. Sometimes Santander employees can not even find the account. We try again until we find one who can.We were told to use **************. that also does not work.

  Business Response

  Date: 06/18/2025

  Dear Virginia Hamilton,
  
  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:06/02/2025

  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.

  Santander recieved a warranty refund on my loan that has already been refinanced and paid off. Santander was sent the money by my dealer on 4/29/25. Santander has hung up on me when calling and has not honored return of the funds that are not theirs. After making multiple messages, someone finally wrote back and said they would send the refund within ***** days from 5/23/25, the last day I contacted them. They have delayed funds and are seemingly not intending to return them. Again, they only have staff on customer service ending phone calls when inquiring on where my funds are. The loan was paid off two months ago now. They have no reason to with hold my funds.

  Business Response

  Date: 06/03/2025

  This complaint should be responded to by Santander Consumer, our auto division, as it is in regard to an auto loan. Please forward complaint to Santander Consumer for a response.
  
  

  Business Response

  Date: 06/26/2025

  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:06/02/2025

  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.

  I am writing regarding an auto loan I held with Santander Consumer USA (Loan #******), which was closed more than 10 years ago. Although the loan is no longer active, I have recently learned that a small balance of $691 remains on the account, which is preventing me from receiving a lien release and obtaining the title to my vehicle.The vehicle was never repossessed, and the remaining balance appears to stem from either residual interest or fees that may have accrued long after the account was closed. This outstanding lien has left me unable to register, sell, or transfer the title of my car despite the loan having been inactive for over a decade.I am aware that Santander was part of a multistate settlement with numerous Attorneys General in 2020 regarding auto lending practices, which included loan forgiveness and lien releases for situations similar to mine. I understand that the automatic relief phase of that settlement has ended, but I respectfully request that you review my account for possible manual forgiveness or voluntary lien release under Santanders discretionary resolution ********** an alternative, I am willing to discuss a small goodwill settlement, provided Santander will agree in writing to release the lien upon receipt and consider the matter fully resolved.I sincerely hope Santander will consider the age of this account, the small balance, and the hardship this has caused in denying me access to my vehicles title. I would appreciate your help in resolving this matter amicably.Thank you for your time and consideration. I look forward to your response.

  Business Response

  Date: 06/12/2025

  Dear Danielle Banford,       
  
  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: 06/12/2025

  I am rejecting this response because:   

   

  Dear Santander Consumer USA,
  Thank you for your response via the Better Business Bureau regarding my inquiry into the auto loan account #399875.
  While I acknowledge that I signed the loan agreement and understand there may be a residual balance of $691.84, I respectfully must reiterate the core issue: this account has been closed and inactive for over ten years. The vehicle was never repossessed, and the remaining balance appears to stem from residual interest or fees long after the loan’s closure.
  This outdated lien continues to prevent me from obtaining my vehicle’s title — impacting my ability to register, sell, or transfer ownership. I believe it is both reasonable and fair to request a reconsideration of this balance in light of:
  The age and inactivity of the loan
  The modest amount in question
  The 2020 multistate settlement involving Santander’s auto lending practices, which included provisions for lien releases and loan forgiveness in situations similar to mine
  I have filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) for review. However, I remain hopeful that Santander will consider a goodwill resolution, such as a lien release or modest settlement that includes written confirmation the lien will be lifted and the account closed.
  I am willing to speak directly with your escalation or compliance team to resolve this amicably. Thank you for your time and consideration.
  Sincerely,
  Danielle Banford
  
  [Loan #399875]

  Customer Answer

  Date: 06/18/2025

  Settlement letter received from Santander Consumer USA

  Customer Answer

  Date: 06/18/2025

  Subject: Acceptance of Settlement Offer – Loan #399875
  Dear Santander Consumer USA,
  Thank you for providing the Settlement Offer Agreement dated June 18, 2025, regarding auto loan account #399875. I am writing to confirm my intention to remit the agreed-upon amount of $207.55 by August 1, 2025, as stated in the agreement.
  As outlined in your letter, I understand that upon receipt and clearance of this payment:
  The account will be marked as settled.
  The remaining balance will be forgiven.
  The account will be reported to credit bureaus as settled for less than full balance.
  Most importantly, the lien will be released and the vehicle title issued, if applicable.
  Please confirm the expected timeline for lien release and title issuance following the successful payment so that I may plan accordingly. If there are any additional steps I need to take to facilitate the title release, please advise.
  Thank you again for your cooperation.
  Sincerely,
  Danielle Banford
  [Loan #399875]

  Business Response

  Date: 06/23/2025

  Dear Danielle Banford,      
  
  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: 06/23/2025

  I have reviewed the business’ response and accept this
  resolution in the amount of $207

• Initial Complaint

  Date:06/02/2025

  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 been a customer of ********************** for 5 years now, since I purchased my car and financed it with them. I have always paid for my car every month and never missed a payment. Two years ago, I called them and requested to move my due date from the 11th of the month to the end of the month, since we purchased a house and our Mortgage payment was scheduled for the 12th of every month. They keep saying that they will change once the account is current, since I am paying at the end of each month, and they never change the payment date and keep charging me late fees, when they know why I am paying at the end of the month. I never skipped a payment, always paid, and I am almost done with my financing. November 2025 will be the last payment. So they already got the refinancing money and still cannot accommodate a good-standing customer? This is very unfair and unethical. I need them to clear my late fees and to move my due date to the end of each month.

  Business Response

  Date: 06/11/2025

  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 ****

  Customer Answer

  Date: 06/11/2025

  I am rejecting this response because:

  I do not need assistance to pay. I know I am OBBLIGATED to pay I have been paying every month. I need them to put the payment date as originally when I sign the agreement with was every 24 of the month. I don't know WHY THEY HAVE BEEN DIFFICULT  with a customer that has been paying each month. They just need to bring back the due date if the original due date. 

  They are abusing. I am almost done with the finance, basically I gave the money that they anticipated to me to buy a car and they still abuse their power. 

  Business Response

  Date: 06/18/2025

  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. 
  
  

  Customer Answer

  Date: 06/20/2025

  I am rejecting this response because:   

  I CANNOT BELIEVE THEY ARE SO DIFFICULT WITH A LOAN THAT IT IS ALMOST OVER. I WILL BE DONE WITH THIS LOAN NOVEMBER 2025 AND THEY ARE STILL NOT TRYING TO ACCOMMOATE??????? THIS IS UNREAL.

  I WILL CONTINUE MAKING THE PAYMENT BY THE ORIGINAL PAYMENT DATE OF MY CONTRACT WHICH IS END OF EACH MONTHS. 

  CANNOT WAIT TO BE DONE WITH THIS BANK NEVER EVER AGAIN NOT EVEN IF YOU WILL JUST GIVE IT FOR FREE. I WILL TELL EVERYONE I KNOW TO STAY AWAY FROM SANTANDER.