Santander Consumer USA Reviews 289

How smoothly

How many times can I be locked out of my account, password is correct and then it asks for a one time code, try email get the code and enter it and boom says it's wrong. Triple check it and do it again, wrong. Text me a code, I get it and put it in and it says it's wrong.

Try doing the one time passcode login, enter my social, says it's wrong....I've never had such an issue with any other bank/financial institution.

Customer service person was great helped me with questions and setting up my account . He gets a 10 for excellence.

***Update 9/ 15/2025***My issue was resolved with Santander. I spoke with Krista from the Executive Office. She was very helpful and understanding. She actually treated me like a person and not like a " number or just another customer " which was very much appreciated. She even discussed with me options to handle something that I'm facing medically in the next couple of months. This is all that we want. In this world it's not that we don't want to pay our bills sometimes things happen I thank this lady again for her time and prompt attention and patience she has been very helpful and exceeded my expectations.

I entered a payment agreement with this company paid the first 2 installments. Today I get an email saying that I was behind on my payments. That's impossible if I am abiding by the arrangement they set. To make a longer story short, they wanted me to pay them 693.75 today. I spoke to 4 different agents saying different things. 2 agents told me to pay 473.15 which would be Septembers bill. Taking off that extra fee that I had no idea existed. ( I kept getting disconnected that's why the 4 agents it was them not me) The last one was very very uncut. From India or something telling me that after I paid that I needed to pay more money. I just paid 591.00 on 8/27 then again today 9/4 I paid the 473.15 they asked. What happened to the payment arrangement? They kicked me off of it and made me pay everything upfront with added fees. Then wanted to act as if I didn't know what I was talking about. Telling me that I didn't pay when clearly I have receipts it was paid through their system and it was recorded. The way that customers are treated is ridiculous. I would rather walk before I choose Santander as a finance company again.

Oh yeah they still want me to pay more money on 9/30/25!

1) Collected 3,385.00 of my money plus went every where to see where I got my money. Then came and removed the car and said maybe the bank got it.

No one can explain why a refund takes 35 to 60 days to get and how you will get it. The original vehicle deal was unwound. All the paperwork was done to unwind the deal which occurred shortly before the end of July. One customer service person says it goes back ACH to the checking account used. Another says it’s by check. Which is it? The account shows a zero balance. Then on 08/25/2025 (Monday), I get a threatening collection letter dated 08/21/2025 (Friday) that says I need to pay the last 3 payments— which, by the way is the amount of the refund. Your computers should never have sent that letter because the account had a zero balance days before. It’s obvious they don’t talk to each other. This is why I think your customer service is terrible.

Following up on my previous review. They are the worst of the worst steer clear. I made a horrible mistake of taking out an auto loan with them because I had no choice. Just to give you an idea my rate was 20.02%. They are absolutely a predatory lender. I sold my car to Carvana in June 2024.They sent a payoff to Santander. Santander accepted the payoff closed the loan, released the title and sent me a paid in full receipt. The loan was closed on my credit report. Two months later I start getting late notices from Santander. Carvana shorted the payoff so I called them and asked them about it. They indicated they sent the full amount and even sent me a receipt. Meanwhile Santander REOPENS the loan on my credit and reports two late payments for Sep and Oct even though I sold my car and they told me it was paid off in June. Finally filed complaints on Carvana and they came back and said it was their mistake and they would send the money. I have all of this correspondence so I sent it to Santander obviously it was Carvana's mistake. I sent it to the executive resolution team and they refused to do anything. I have sent multiple follow ups to the executive resolution team and they don't even respond to my email. Steer clear of this company unless you want to pay thousands of dollars in excessive interest and your credit ruined. DO NOT BORROW FROM SANTANDER!!!

Bad experience, they are different groups, which not communicating internally

I created an account online and it wouldn't let me log in. It immediately locked me out. When attempting to get my account unlocked, I was advised that I couldn't be helped until the next day because my account was just created. All I want to do is pay my bill online. NOT talk to a customer service rep.

Our salesman Shawn Streeter worked very hard to make this deal happen for my daughter and I and we appreciate his patience and commitment.

I really needed help with changing the date of my car payment she was more than just help she was able to change my due date to the date I needed I needed to know where to pay my bill gave me my acct #then I can pay close by and sending all info to my address thx

I need to talk to a customer service representative about my account. I have not been able to thru your phone system. I am very concerned about my account an the inability to speak to a rep. Please call me at 512-809-1987

The site is overall complete and simple/basic to set up. Great site, easy to navigate and most information readily available. A critique is, your methods of payment, you should supply the name/address /phone number for those of us who choose to use OUR own banks bill pay to make payments, other than that good site.

They lied about everything they said the truck passed inspection that was a lie the windshield was brok

Great services

If I could give you a ZERO I would. I have called several times about an issue on YOUR end We paid on time, you cashed our check and didn't apply it to our account and now I get a card and to use it to pay the past due balance we'd have to pay a fee. THIS IS STUPID AND THIS IS THE LITERAL WORST CUSTOMER SERVICE I HAVE EVER EXPERENCED. I HATE YOUR COMPANY. I HATE ALL THE WORK I'VE HAD TO DO TO PROVE AFTER MORE THAN THREE YEARS OF PAYMENTS THAT WE'RE DOING THE RIGHT THING. I put one date for my experience, but there were several others that I could complain about. You suck, I will never use your company again and I would NEVER recommend you to anyone, in fact I will work hard to make sure everyone knows how awful your call center is. Get some competent people who know how to do their job.

This is our second Outlander, and our second time going through Santander Consumer USA. Both times our experiences have been incredible, I cannot recommend Mitsubishi products, or their financing, enough!

Your site is not user friendly. Having attempted to initiate my account, I was immediately locked out due to “incorrect” credentials after three attempts using the information I had just provided.