May 2020 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 2020, the CFPB received 1915 complaints against Santander Consumer USA. Santander Consumer USA ranked Number 21 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: AR

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 Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX XXXX {

Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: AR

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 Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX XXXX {{{mpg_replace}}.00} XXXX XXXX XXXX XXXX {0.00} CHRYSLERCAP XXXX {000.00} XXXX XXXX XXXX {0.00} XXXX XXXX XXXX {0.00} XXXX XXXX {0.00} XXXX XXXX {.00} XXXX XXXX {0.00} XXXX XXXX XXXX {0.00} XXXX XXXX {0.00} XXXX XXXX XXXX {0.00} XXXX XXXX XXXX {000.00}

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Managing the loan or lease
Sub-Issue: Problem with fees charged

Full Complaint:
In XX/XX/2014 I purchased a XXXX XXXX, the list price was around XXXX, the loan company Santander insisted on XXXX, something like that. I paid XXXX down at XXXX of XXXX XXXX in XXXX Florida. My monthly payments started at XXXX. I paid XXXX every month to make a payment. I called for assistance when I was late and had a payment or two moved to the end of my 6 year loan. It has been 6 years and I still owe over XXXX dollars by their account. They blame it on me for being late and moving payments. At the time, the assistant on the phone never told me it would cost so much more and set me back so I was just paying more interest. I've contacted them several times and never was informed of this. I was never late on my payments as much as they are saying. I've been scammed from Day 1, set up to default. Now, I will have a large bill at the end of my loan in a few months. I calculate my loan at around XXXX dollars or more. For a truck that was worth XXXX. Santander is a con artist.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: GA

Product: Debt collection
Sub-Product: Auto debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
upon looking at my credit report during quarantine i discovered that a debt was assumed fraudulently with my information and then charged off on to my consumer credit report which is effecting me adversely. I was not contacted or given any indication of this debt as this is not mine. XXXX XXXX XXXX XXXX XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: NY

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: Problem with personal statement of dispute

Full Complaint:
Santander bank has settled charges of Predatory Auto-Lending to low-income and subprime borrowers. As a victim of Santander, they violated my consumer protection laws by placing me ( the borrower ) with subprime credit into an auto loan it knew carried a high probability of default.

Due to this Santander must remove the defaulted account off my credit report. After numerous letters I have still not received a response to my request

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: TX

Product: Vehicle loan or lease
Sub-Product: Loan

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

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Debt collection
Sub-Product: Auto debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Collected or attempted to collect exempt funds

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

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: Problem with the interest rate

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

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

Issue: Incorrect information on your report
Sub-Issue: Account information incorrect

Full Complaint:
I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare.
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it.
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Vehicle loan or lease
Sub-Product: Loan

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

Full Complaint:
I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I've been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I'm very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that's non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they're doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you

Company response:

Response Type: Closed with explanation


.00} XXXX XXXX XXXX XXXX {0.00} CHRYSLERCAP XXXX {000.00} XXXX XXXX XXXX {0.00} XXXX XXXX XXXX {0.00} XXXX XXXX {0.00} XXXX XXXX {.00} XXXX XXXX {0.00} XXXX XXXX XXXX {0.00} XXXX XXXX {0.00} XXXX XXXX XXXX {0.00} XXXX XXXX XXXX {000.00}

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Managing the loan or lease
Sub-Issue: Problem with fees charged

Full Complaint:
In XX/XX/2014 I purchased a XXXX XXXX, the list price was around XXXX, the loan company Santander insisted on XXXX, something like that. I paid XXXX down at XXXX of XXXX XXXX in XXXX Florida. My monthly payments started at XXXX. I paid XXXX every month to make a payment. I called for assistance when I was late and had a payment or two moved to the end of my 6 year loan. It has been 6 years and I still owe over XXXX dollars by their account. They blame it on me for being late and moving payments. At the time, the assistant on the phone never told me it would cost so much more and set me back so I was just paying more interest. I’ve contacted them several times and never was informed of this. I was never late on my payments as much as they are saying. I’ve been scammed from Day 1, set up to default. Now, I will have a large bill at the end of my loan in a few months. I calculate my loan at around XXXX dollars or more. For a truck that was worth XXXX. Santander is a con artist.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: GA

Product: Debt collection
Sub-Product: Auto debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
upon looking at my credit report during quarantine i discovered that a debt was assumed fraudulently with my information and then charged off on to my consumer credit report which is effecting me adversely. I was not contacted or given any indication of this debt as this is not mine. XXXX XXXX XXXX XXXX XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: NY

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: Problem with personal statement of dispute

Full Complaint:
Santander bank has settled charges of Predatory Auto-Lending to low-income and subprime borrowers. As a victim of Santander, they violated my consumer protection laws by placing me ( the borrower ) with subprime credit into an auto loan it knew carried a high probability of default.

Due to this Santander must remove the defaulted account off my credit report. After numerous letters I have still not received a response to my request

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: TX

Product: Vehicle loan or lease
Sub-Product: Loan

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

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

Product: Debt collection
Sub-Product: Auto debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Collected or attempted to collect exempt funds

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

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: Problem with the interest rate

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: VA

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

Issue: Incorrect information on your report
Sub-Issue: Account information incorrect

Full Complaint:
I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare.
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it.
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 20, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Vehicle loan or lease
Sub-Product: Loan

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

Full Complaint:
I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I’ve been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I’m very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that’s non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they’re doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you

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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