I have already set up automatic payment with you in a very efficient, impressive way. So, I thought I was done with all this. Why am I getting emails asking me to do it again? Please check your sy... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I had a terrible time(@30 minutes) before being able to talk to a person. I had tried to use on-line banking and it changed to Dovenmuhle rather than SANTANDER. I downloaded Santander app and it was... See more
Company replied
Lots of emails. Nothing that I can have those and bring up a browser on my banking PC to go login and create an account, etc. How hard is it to give a URL or other directions? Even if with some uni... See more
Company replied
Representative sounded like she was drunk or high on drugs. Kept repeating herself. I finally asked if there was anything else she needed since I already had my answer. Finally said goodbye to her and... See more
Company replied
Company details
Written by the company
Santander Consumer USA Inc. - Specializes in automotive financing for dealers and consumers. We offer a wide array of finance and auto-related products plus a robust loan servicing operation. Part of global banking leader Santander. Through its Drive®, RoadLoans® and Santander Auto Finance brands, Santander Consumer USA Inc. offers automotive financing through a network of dealer partners. Our finance programs help consumers with a wide range of credit situations purchase quality vehicles.
Contact info
P.O. Box 961245, 76161, Fort Worth, United States
- (888) 222-4227
- www.santanderconsumerusa.com
2.3
Poor
289 reviews
Replied to 97% of negative reviews
Typically replies within 24 hours
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Horrific
Santander has been an absolute nightmare to deal with. My auto loan was paid in full on 12/30/2025, yet weeks later they still have not released the electronic lien/title to the Florida DMV.
Despite multiple calls, Santander representatives repeatedly insist on mailing a loan satisfaction letter, even after being told by both the Florida DMV and my new lender (Navy Federal Credit Union) that paper letters are NOT accepted and that Santander must release the title electronically. They either do not understand the process or refuse to listen.
I was given incorrect information, redirected to useless websites, refused escalation to a manager, and spent over 30 minutes arguing with the title department, only to be told—again—that they would mail paperwork that does not resolve the issue. Navy Federal continues to show Santander as the lienholder electronically.
Because of Santander’s incompetence, I am now at risk of losing my refinance rate due to their failure to release a paid-off title. This has caused weeks of unnecessary stress and wasted time.
I have filed formal complaints with the BBB, the Florida Office of Financial Regulation, and my State Attorney General.
If you value your time, sanity, or finances, do not finance through Santander.
2 February 2026
Unprompted review
i keep calling because I'm locked out…
i keep calling because I'm locked out of my account its saying I'm logging in wrong more times than i actually am i was given a temporary passcode that didn't work i was told to wait 24 hours and try again still did not work earlier today i called again she said she was going to have my account deleted for me to try to set it up new again in 10 minutes i waited hours and i still cannot access my online account
29 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Melissa! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Santander provides terrible customer…
Santander provides terrible customer service, constantly gives false information, and communicates so poorly it makes dealing with them a complete nightmare.” AVOID THEM AT ALL COST I PRAY FOR WHOEVER DEALS WITH THESE PEOPLE!!!!!
26 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello there! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Rude rep with no patience
i just spoke to a rep to make a payment towards my principle and she was very rude and had no patience for all of my questions.
26 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Ana! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
I called to try to setup my payment
I called to try to setup my payment. I couldn't get pass the auto service to do so. Do you actually have people working there? Not in an office overseas either.
27 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Robert! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Would not Recommend
It would be nice if this company would let you know when and how much your high interest payment is, 30 days before your payment is due....
30 December 2025
Unprompted review
Reply from Santander Consumer USA
Hello Rabecka! Thank you so much for taking the time to provide. Please keep in mind that the type of loans that we offer are simple interest which could be very beneficial depending on how payments are being made throughout the life of the loan. Please click here https://santanderconsumerusa.com/learning-center to check out our "How Simple Interest Contracts Work" video in our Video Gallery. We hope this helps at understanding simple interest. If you have any additional questions or concerns, please don’t hesitate to give us a call at 888-222-4227, this line is available Monday through Friday 7:00 AM to 9:00 PM, Saturday 7:00 AM to 5:00 PM Central Standard Time and closed Sunday. Have a great day!
Locked account
This is my first time logging in, and my account is locked, so I am unable to make my payment.
25 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello there! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers and we'll be more than happy to have one of our specialists look into this for you. Trustpilot has sent you an email requesting additional info. In the meantime, you can also click here https://santanderconsumerusa.com/payments for other payment options or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Sometimes the customer knows a little more than you would think
I received a message that my first car payment was not able to go through from my bank. So, I as a concerned customer called to rectify the situation. My auto pay was set up on my savings account and doesn't pull from the checking account; I didn't know this at the time I set it up. I called to correct the issue, but was me with employee's who thought they knew what they were taking about, but didn't. They keep saying that you can't connect it to a savings account. I kept trying to tell them otherwise, but they would not listen. I also kept trying to tell them, my payment was denied. But they kept saying that it was not denied, and has been processed. I think this should be something that should be discussed in your next board meeting. To inform your employees what they DO NOT KNOW. Not sit there an tell a customer who already knows who is trying to inform them. So, that they can fix the problem, and go on about their daily activities known that their payment was successfully made. This is by far the worst auto loan company I have ever dealt with, and i'm fifty five years old.And had a lot of car payments! Let's see if they hear the customer's voice.
23 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Terry! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers and we'll be more than happy to have one of our specialists look into this for you. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
mobile app refuses to let me sign in.
mobile app refuses to let me sign in.
23 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Jim! Thanks for reaching out to provide your feedback. Unfortunately, Santander does not have a mobile app available to our auto loan customers. Please click here https://myaccount.santanderconsumerusa.com/Home/SignIn to access your online account and be sure to save this link to your favorites to access your auto loan account anytime. We hope this helps! If you are unable to access your auto loan via this link Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Run run run from this company they are…
Run run run from this company they are crooked. Someone who works for Santander got into my bank account and zelled 900.00 out of my account. Santander was of no help. Horrible customer service. I filed police report and Bank of America tracked the zelle to an employee. Crooked liars. Never get a loan from these thieves.
19 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Tiffany! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888-222-4227. Please review your email at your earliest convenience. Have a great day!
Santander Consumer USA uses dishonest…
Santander Consumer USA uses dishonest business practices and horrible customer service. I made my first car payment without issue when my second payment was returned for some unknown reason forcing me to make a debit card payment which resulted in added fees. The payment was from the same account which caused my frustration. The dishonest customer service agent claims that because my payment was allegedly returned that I must make other payments resulting in extra fees. DISHONEST.
29 December 2025
Unprompted review
Reply from Santander Consumer USA
Hello Thomas! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Easy to follow directions
19 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Donna! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!
Financing through Santander has been a…
Financing through Santander has been a headache. Setting up the online account was difficult and confusing, and getting help was frustrating. For a large bank, the process feels outdated and poorly supported. I would not recommend them based on my experience.
18 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello there! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Thank you so very much for your…
Thank you so very much for your kindness and help.
13 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Tommy! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!
Horrible!
Horrible!! I can't even make a payment because Santanders system is so messed up!
14 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Cyndi! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Car payment
I sent my car payment on the 5th of january,2026 and a week later it was sent back to my bank so then I had to resend it today the 13th of january,2026 which makes no sense and was a waste of my time and could have costed me a late fee and or a bad report to my credit bureau
13 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Mary! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
payment ahead of due date
Customer should be given a choice to pay for monthy payment a few days or a week before the actual due date.
That option is not there.
It is frustrating !!!
11 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Arun! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Have a great day!
Interest Rates are ridiculous!
Interest Rates are ridiculous!! Basically buying 2 cars!! Its absurd and greedy!! Definitely looking to refinance ASAP
19 December 2025
Unprompted review
Reply from Santander Consumer USA
Hello PJ! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Have a great day!
Thank you, Pamela, for the quick response! We have sent your information over to one of our specialists and someone will be reaching out to you within the next 24-48hrs. Have a great day!
Frustrating website
The website kept giving directions to go to MyAccount but that never showed up no matter what I did. This one of the most unintuitive websites I have encountered
8 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Robert! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Terrible Online Service
After you create an account on your website, it will not let you log in again! I have been paying on my loan for 5 years and I still cannot get into the website. I have called customer service seven times asking for my monthly bill to be mailed and I still have not yet received my paper bills! I will never finance a vehicle through this bank again! 😡
3 January 2026
Unprompted review
Reply from Santander Consumer USA
Hello Karen! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
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