September 2019 Complaints Against Santander Consumer USA

Compiled from Public Data by FairShake

If you have an issue with Santander Consumer USA, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 1225 complaints against Santander Consumer USA. Santander Consumer USA ranked Number 27 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: September 26, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Debt collection
Sub-Product: Auto debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Full Complaint:
Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {00.00} ) and inflated a demand for payment to {000.00}.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: NY

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments

Full Complaint:
I contacted the bank in order to get the late payments removed so be able to refinance my car and they wouldn’t do it they said they don’t give forgiveness on that matter due to my payments being so high now its kinda hard for me to keep up with the payments

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 27, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: NC

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Managing the loan or lease
Sub-Issue: Billing problem

Full Complaint:
I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 27, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: CT

Product: Debt collection
Sub-Product: Auto debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Full Complaint:
I’ve requested validation of documents bearing my signature on ” XX/XX/2019 & XX/XX/2019 ”. I have not received my request as of yet. It’s well passed the 30 days of the initial request.

This is in response to your recent claim which you claim I have an {

Complaint Details:

Date of Complaint: September 26, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Debt collection
Sub-Product: Auto debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Full Complaint:
Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {00.00} ) and inflated a demand for payment to {000.00}.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: NY

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments

Full Complaint:
I contacted the bank in order to get the late payments removed so be able to refinance my car and they wouldn't do it they said they don't give forgiveness on that matter due to my payments being so high now its kinda hard for me to keep up with the payments

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 27, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: NC

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Managing the loan or lease
Sub-Issue: Billing problem

Full Complaint:
I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 27, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: CT

Product: Debt collection
Sub-Product: Auto debt

Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Full Complaint:
I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request.

This is in response to your recent claim which you claim I have an {{{mpg_replace}}.00} charge-off Reporting as negative.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 24, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: DC

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 26, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Payday loan, title loan, or personal loan
Sub-Product: Title loan

Issue: Can't contact lender or servicer

Full Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, North Carolina in about XXXX. It was financed through Santander Corporation. At the time of the loan and currently I live in XXXX, Virginia. I paid off the loan as agreed, maybe a few months early about XX/XX/XXXX. Santander sent me a letter stating that my lien was satisfied. When I carried this letter to the Virginia DMV in XXXX to get my title, I was informed that the car had a lien in Tennessee held by XXXX XXXX so Virginia could not issue a title. XXXX XXXX is now XXXX XXXX and an office employee there says they don't have XXXX XXXX XXXX. I now have a car that I paid for last XXXX and I have no title for it. I have written letters to Santander, Virginia DMV, XXXX XXXX and XXXX XXXX with no luck in getting my title. I have been on the phone for hours with Santander, Virginia DMV and XXXX XXXX also with no success in getting a title.

Title # XXXX VIN # XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: CT

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {0.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {0.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {0.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {0.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX {0.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX {0.00} DATE OPENED ON XX/XX/XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 26, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Vehicle loan or lease
Sub-Product: Lease

Issue: Problems at the end of the loan or lease
Sub-Issue: Problem with paying off the loan

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: OH

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


.00} charge-off Reporting as negative.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they ” verified ” without providing any proof, bearing my signature.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 24, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: DC

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 26, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Payday loan, title loan, or personal loan
Sub-Product: Title loan

Issue: Can’t contact lender or servicer

Full Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, North Carolina in about XXXX. It was financed through Santander Corporation. At the time of the loan and currently I live in XXXX, Virginia. I paid off the loan as agreed, maybe a few months early about XX/XX/XXXX. Santander sent me a letter stating that my lien was satisfied. When I carried this letter to the Virginia DMV in XXXX to get my title, I was informed that the car had a lien in Tennessee held by XXXX XXXX so Virginia could not issue a title. XXXX XXXX is now XXXX XXXX and an office employee there says they don’t have XXXX XXXX XXXX. I now have a car that I paid for last XXXX and I have no title for it. I have written letters to Santander, Virginia DMV, XXXX XXXX and XXXX XXXX with no luck in getting my title. I have been on the phone for hours with Santander, Virginia DMV and XXXX XXXX also with no success in getting a title.

Title # XXXX VIN # XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: CT

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {0.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {0.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {0.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {0.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX {0.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX {0.00} DATE OPENED ON XX/XX/XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 26, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Vehicle loan or lease
Sub-Product: Lease

Issue: Problems at the end of the loan or lease
Sub-Issue: Problem with paying off the loan

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: Santander Consumer USA Holdings Inc.

State: OH

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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