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 18, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: None

Product: Vehicle loan or lease
Sub-Product: Loan

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 16, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: TX

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Managing the loan or lease
Sub-Issue: Problem with the interest rate

Full Complaint:
I have had a loan account since XX/XX/2014 in the amount of {000.00} with Santander Consumer USA Holdings Inc. To this day I still owe {000.00}. I have made additional payments ( outside of regular payments and they still take interest ). This company is a scam. I need help as I have already given them XXXX on my truck and I am still upside down. You can’t get any help when you call them. This is beyond unresonable and I do not know what else to do. I would default on the loan at this time but I am working on my credit and it is very good.

Please help.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: GA

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

Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: MD

Product: Vehicle loan or lease
Sub-Product: Loan

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

Full Complaint:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX and my loan is with Chrysler Capital. I ran into some really hard times at the end of XXXX and my vehicle was repossessed XX/XX/XXXX. I gathered all of the funds to get my car back and retrieved it on XX/XX/XXXX. Recently I received an alert on my credit monitoring site the the loan was CHARGED OFF. I contacted the bank and they explained that because of the amount of days past due the loan had in fact been charged off and will continue to report that way even though i brought the loan current and have been making payments on time ever since. I need the accurate status of the loan to report to the credit bureaus so that my payment history can improve

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 17, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: NY

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Getting a loan or lease
Sub-Issue: High-pressure sales tactics

Full Complaint:
on Saturday XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX XXXX Located at Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX to see if we can get a bigger car for our family of XXXX people, then since I get in contact with the sales team I ended up signing a contract without knowing the impact that will happen in the future. my concern is how they trick people during the paperwork process, the Sales person named XXXX XXXX convinced me about an Internal Insurance, that will protect the purchase if something happened like damages in the engine and parts and another many stuff which in other words is a SERVICE CONTRACT I asked him many times if i decided to withdraw later on their ” insurance ” that how he explained me my monthly budget for the car payment supposed to be {0.00} per month, and with their insurance protection will cost additional {0.00} ” subject to change if I decided not to keep their insurance.

40 days after the purchase on XX/XX/XXXX I went to their service center, the vehicle had a weird noise in the engine, I was afraid because i drive the vehicle only for couple of days.

I realized that I have to pay for the repairs, I complaint with the service center team because sales told me beside the insurance also told me 90 days guarantee if something happened.

ln XX/XX/XXXX I have to come back due another noise with the vehicle and I had to pay {0.00} in the service center, as per today ‘s the same vehicle has the check engine signal blinking in the car tablet.. I call the to take the vehicle and is very hard to get an appointment with them I considered that ” INSURANCE ” or Service center is not worthy and is a trick for them to get money from customers XXXX XXXX never mentioned that they will add the insurance the service center in the loan which was {00.00} and increased my monthly payment to {0.00} per month During this pandemic time my family budget is tight and became to a hardship situation and when I called the bank that’s how i realized that they lied to me.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 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: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Full Complaint:
I think a fair resolution to my issue is to remove my account I’ve paid this company in full what else do you want from me. They are reporting inaccurately stating that I was late XXXX of 2017 to XXXX and XXXX but yet stating I paid on time to XXXX i don’t understand. Your inaccurate reporting is hurting my character, reputation, and ability to get get approved for funding for new home. I’ve learned my lesson as a young adult to not do business with companies like Santander these companies are very inconsiderate and have no sympathy for their clients only for profit I Do Not Recommend doing business with this company they ruin your life and credit profile cant forget the ridiculous high interest. All im asking for is to please remove my account from all 3 credit bureaus i would like absolutely no ties with this Company thank you.

I sent out sent out a dispute letter trying to get this resolved but they responded with a screenshot this does not help my complaint.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 16, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: CO

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

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

Full Complaint:
I had a car loan with Santander and traded in my car for a new lease with XXXX XXXX in XXXX, XXXX My new car lease went into effect on XX/XX/2020. XXXX neglected to pay off the balance in a timely manner. For some reason they paid all but {.00}. I tried to call Santander to pay it myself since I couldnt get anyone from XXXX to get back to me quickly. Santander said the remainder had to paid by XXXX at this point because the account was now their responsibility. They would not take a payment of {.00} from me. After several attempts XXXX finally paid off the balance and the account was listed as paid in full. However Santander reported a 30 day delinquency to my credit report for a late XXXX payment. I no longer owned the car after XX/XX/XXXX. I have tried to dispute it with Santander. They just tell me to contact the credit dispute center, and the dispute center tells me to contact Santander. I cant get anyone to help me. My credit took a huge hit that was not my fault. Over {.00}? PLEASE help me fix this. I am trying to buy a home and this has set me back. Why would anyone intentionally go 30 days delinquent over {.00}? I didnt even have the car after XX/XX/XXXX. Please help or help me find someone who will. XXXX has apologized for paying it late but Santander says they can not override the credit reporting even though it is inaccurate. They refuse to let me speak to a supervisor or offer any other solution other than to contact credit dispute. Please help me figure this out. I paid every single payment on tine with this company.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 17, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: NY

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Managing the loan or lease
Sub-Issue: Problem with the interest rate

Full Complaint:
on XX/XX/2020 I called Santander Consumer USA to find out options about my car loan and the debt since the call is recorded I explain the Telephonic Agent the situation that New Yorkers and the whole world about the Pandemic and the struggles to handle hardship financial matters how can be possible that they are charging interests and fees during pandemic?

I had to sign another extension in order to get the account current, which in the mean time for 3 months all the interests an fees will impact financially the budget of my family and will be stuck in a loan that never decreases the level of debt how can that be possible for any parent to negotiate that unfair agreement during pandemic banks and corporations are hurting peoples credit in this unfair money game to the citizens of the united states of america

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: May 17, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: NV

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Problems at the end of the loan or lease
Sub-Issue: Unable to receive car title or other problem after the loan is paid off

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 2020

Company Official Name: Santander Consumer USA Holdings Inc.

State: FL

Product: Debt collection
Sub-Product: Auto debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt

Full Complaint:
XXXX received call from XXXX from XXXX XXXX XXXX. Robocall Trying to collect on an alleged auto debt from 2011 that was either put in a bankruptcy or is just time-barred from collection as 5-yr statute of limitations had passed. I called the number they told me to call : XXXX. The rep on the phone said his company is trying to serve me with papers for court from Santander over a supposed debt from XXXX. I told him about the bankruptcy. He said good luck in court and hung up.

XXXX got another call from XXXX and told them the same thing. He said the robocaller is going to keep calling till my info is removed ; and Im still getting served papers for court. No court case info or anything. I called the XXXX County Clerk of Courts. They have nothing at all for my name. What are my options?

Complaint Tags: Servicemember

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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