How to Understand Your Santander Consumer USA Bill

If you aren’t getting your complaint against Santander Consumer USA resolved, you may have options to escalate…

Update as of October 16, 2020 on Santander multi-state settlement:
According to the website for the May 2020 settlement between 33 states and Santander Consumer USA, mailings have been sent to consumers who are eligible for compensation. If you are eligible, expect to receive something in the mail by end of October with further instructions.

Learn more at www.santandermultistateagsettlement.com

Do you have a complaint against Santander Consumer USA  because of your bill?

Maybe your bill is hard to understand or there are charges that make no sense and leave you puzzled. No matter what the reason, we are going to explore how to understand your Santander Consumer USA bill in this article.

santander billing

How to Understand Your Santander Consumer USA Bill

What's Included in Your Bill

  • Current balance
  • Car payment/credit card payment/mortgage payment 
  • Amount owed
  • Minimum payment 
  • Charges made during the billing cycle
  • Past due amount
  • Available credit
  • Cash rewards

Understanding Why a Payment Doesn’t Show Up

Are you looking at your statement and you don’t see a recent payment? 

If you sent your payment in before the end of the billing cycle which are the open and close dates reflected on the statement, then it might not show up. The actual payment due date is usually two or three weeks after the billing cycle closes.

If you send the payment too soon then the company will apply it to the billing cycle when the payment was received. In order to see your payment on the statement, then you should wait to send your payment, so it is applied to the right billing cycle before the cycle closes.

However, always make sure that you pay your bill before the payment due date so it is not late, or you will incur late charges which will be reflected in your next statement.

Setting Up Online Bill Pay

Online bill pay is easy to set up and you’ll be able to see immediately when your Santander auto payment, credit card payment, or mortgage has posted. Santander Consumer USA bill pay online is also available. Online payments tend to take 24 hours to post or longer during holidays and weekends.

If you are mailing your Santander Consumer USA credit card, mortgage, or auto loan payment then please give it ample time to arrive since the company will report you as late and charge a late fee (which will be reflected on your statement) if you fail to get the payment to them on time.

Your Online Santander Consumer USA Account

You can receive your statement online but you will have to create a Santander Consumer USA online account.  To fill it out, you’ll need to provide personal information and your credit card details. You’ll then be asked to answer several questions which are asked for security reasons. Online bill pay is easy to set up.

You can also make auto, mortgage or credit card payments and even have email reminders sent to remind you of your next statement and bill due date. To make a Santander auto payment, credit card payment, or mortgage online payment then you can use your debit/ATM card or even your checking/savings account.

Setting Your Santander Consumer USA Paperless Statement

Nowadays with everyone trying to do their part to improve the environment, you might want to set up your Santander Consumer USA account, so it sends you a paperless statement directly to your email. The process of setting up paperless statements is very simple. 

Setting up your online Santander statement for paperless building: 

  • Login in your online banking
  • Go to the ‘go paperless’’ tab and click on it. 
  • Click on the ‘electronic’ option and choose which accounts you want to become online statements. 

Santander Consumer USA Mobile App and Automatic Payments

Once you have your online account set up and you are receiving online statements then you can use Santander’s mobile app to access your account and view your statement. You can even set up 

  • Open the Santander Consumer USA mobile app using your smartphone
  • Touch the  “Statements” tab on the Santander App 
  • Click on “Delivery Options” on the app and then click  “Paperless Settings” online

Contacting Customer Service About Your Statement

If you simply cannot figure out your statement, want to make a Santander Consumer USA payment or have questions, then you can contact:

Customer Service: (888)222-4227 Monday-Friday 7 a.m. to 9 p.m. or Saturday 7 a.m. to 5 p.m. CT

Mail Payments: 

Santander Consumer USA Inc.

P.O. Box 660633

Dallas, TX 75266-0633

Next-Day Payments: 

Use only a personal check, cashier’s check or money order via overnight mail, certified mail, or Next Day Air, please send it to:

Santander Consumer USA Inc.

1010 W. Mockingbird Lane

Suite 100

Dallas, TX 75247

Main Address

Santander Consumer USA Inc.

P.O. Box 961245

Fort Worth, TX 76161-1245

Okay, are none of these contact options working? Now what?

If you cannot figure out your Santander Consumer USA statement and you have tried calling customer service, but you are getting nowhere then it’s time to explore other options. If you plan on filing a claim against Santander Consumer USA, let us help you file a claim so you can avoid the hassle of phone calls, emails, and long, drawn-out chat logs.

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