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Business Profile

Consumer Finance Companies

Santander Consumer USA, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Important information

  • Customer Complaint:
    Due to the volume of complaints filed against this business, BBB only publishes the details for 15% of the total complaints filed.

Complaints

This profile includes complaints for Santander Consumer USA, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Santander Consumer USA, Inc. has 14 locations, listed below.

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    Customer Complaints Summary

    • 2,043 total complaints in the last 3 years.
    • 815 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/03/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm not liable for this debt with Santander Consumer USA.

      Business Response

      Date: 03/14/2025

      Dear ***** *******,       

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

    • Initial Complaint

      Date:03/03/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to inform you of another fraudulent account that has been opened in my name with Santander. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Santander Opened Date: 8/9/2019 Account Number: *****************Amount: $20,227.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent *********** support this claim, I am attaching a copy of my Identity Theft Complaint for your reference.Thank you for your prompt attention to this matter.

      Business Response

      Date: 03/13/2025

      Dear ****** ****** ******:

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely,

      Santander Consumer USA ****

    • Initial Complaint

      Date:03/02/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Since November of 2024 I have requested the proper paperwork to register my vehicle I have financed with them in the state of *******. I have faxed two request from the Cascade County Treasury requesting the title being sent to the treasury along with multiple phone calls to Santanders ***************** Each phone resulted in being told the paperwork will be sent within 7 to 10 business days. February 24, *************************************************************** they dont have the title. I have previously registered the vehicle in the state of ******* and then in the state of ********* and never had an issue until now. Currently every attempt to register my vehicle has been a fail dealing with this company. All I need is them to send the proper paperwork to the Cascade County Treasury so that my vehicle can be registered.

      Business Response

      Date: 03/17/2025

      Dear ***** *****,     

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

    • Initial Complaint

      Date:03/02/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Iam disputing an invalid account reported by ***************************** Name]** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

      Business Response

      Date: 03/14/2025

      Dear ******** *****,    

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

      Customer Answer

      Date: 03/16/2025

      I am rejecting this response because: if its charged off and they wrote it off as a loss where is my 1099 C I never received one this become taxable income to me per irs manual guide. And I want I copy of the check that was use to fund this transaction that had there name on it to get the credits for this transaction from the time I gave my social security number and signature this was my security that funded the transaction *** fraud was committed I never consent for my security to be sold on secondary market I never was disclosed that my security would be sold or that I funded this transaction from the application I signed and sold back to me thats deception I revoke all rights they had and claim my title rights and interest in this transaction.

    • Initial Complaint

      Date:03/02/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      As of February ***** my car that was financed reached its maturity and now their saying I have late fees in the amount of ******** and the last I knew I only owed ***** in late fees and I paid that but now their saying I owe more and I dont

      Business Response

      Date: 03/13/2025

      Dear ******** *******,       

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      Chrysler Capital 

    • Initial Complaint

      Date:03/01/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Santander Consumer USA, I do not have a contract with Santander Consumer USA. They did not provide me with the original contract as requested.

      Business Response

      Date: 03/12/2025

      Dear ******* ******:
      We appreciate the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.
      Thank you.
      Santander Consumer USA ****

    • Initial Complaint

      Date:03/01/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Dispute letter

      Business Response

      Date: 03/12/2025

      Dear Shatoveya *******:

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely,

      Santander Consumer USA I

    • Initial Complaint

      Date:02/28/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Under the Fair Debt Collection Practices Act (*****), 15 USC 1692g(b), I have the right to request validation of the debt you are claiming I owe. I am hereby exercising my right and demanding that you provide me with the following documentation: 1. Verification or copy of any judgment (if applicable); 2. Complete payment history showing all debits and credits to the account; 3. Name and address of the original creditor, as required under 15 USC 1692g(a)(2); 4. Copy of the original signed contract or agreement that created the debt; 5. Documentation showing you are licensed to collect debts in my state; 6. Documentation proving you are authorized to collect this debt on behalf of the current creditor; 7. Proof that the statute of limitations has not expired on this debt; 8. Validation that you have reported this debt in accordance with the Fair Credit Reporting Act (****). Pursuant to 15 USC 1692g(b), you are required to cease all collection activities until you provide the requested validation. Additionally, under 15 USC 1692c(c), I am requesting that you cease all communication with me except for the purposes of: 1. Informing me that collection efforts are being terminated; 2. Notifying me that you may invoke specified remedies which are ordinarily invoked by such debt collector; or 3. Where applicable, to notify me that you intend to invoke a specified remedy. If you can not validate this debt, I demand that: 1. All collection efforts cease immediately; 2. The debt be removed from my credit reports; 3. A letter be sent to me confirming that the debt has been cleared and collection efforts have ceased. Any violation of the ***** or **** will be documented and forwarded to the ************************ and the Consumer Financial *****************. I reserve the right to sue for damages under 15 USC 1692k if violations occur. This letter is an attempt to resolve this matter please remove off my credit

      Business Response

      Date: 03/12/2025

      Dear ******** *******, 

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC    

      Customer Answer

      Date: 03/12/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:02/27/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I HAVE REVOKED SANTANDER POWER OF ATTORNEY AND HAVE FILED SEVERAL COMPLAINTS WITH THE **** AND THEY REFUSE TO REMOVE THIS INQUIRY FROM MY CONSUMER REPORT AND THEY CONTINUE TO VIOLATE THE PRIVACY ACT of 1974 codified at 5 U.S.C 552a BY SELLING THE ALLEDGED DEBT TO THIRD PARTIES ON THE SECONDARY MARKET AND In accordance with 31 U.S.C. 3123, which states that "all bills and obligations issued by the secretary of the Treasury to finance the operations of the United States shall be deemed to be the obligations of the United States,"

      Business Response

      Date: 03/12/2025

      Dear ****** ******** (****):

      Thank you for the opportunity to address your concerns.Please see our attached response with our complete review and resolution to your request.

      Sincerely,

      Santander Consumer USA ****

    • Initial Complaint

      Date:02/27/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with SANTANDER CONSUMER USA, I do not have a contract with the collection agency they did not provide me with the original contract requested.

      Business Response

      Date: 03/12/2025

      Dear ******* Davila ********,      

      Thank you for the opportunity to address your concerns. Please see our attached response with our complete review and resolution to your request. 

      Sincerely, 


      SANTANDER CONSUMER USA, INC. 

    Santander Consumer USA, Inc. is NOT a BBB Accredited Business.

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