Auto lender · complaint record
Santander Consumer USA complaints
Filed under Santander Consumer USA Holdings Inc.
Consumers have filed 12,455 complaints about Santander Consumer USA since 2012, none in the last 12 months. It answered 99.9% on time and closed 7% with relief for the customer. The most common problem is managing the loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 12,455
- Last 12 months
- 0
- Answered on time
- 99.9%
- Closed with relief
- 7%
- Last 30 days
- 0
- Rank
- -
Since February 2012
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Sep 30, 2022
Santander Consumer USA complaints by month
The busiest month was March 2021 (255 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Santander Consumer USA answered all time
- Closed with monetary relief2351.9%
- Closed with non-monetary relief6154.9%
- Closed with relief10%
- Closed with explanation11,49392.3%
- Closed900.7%
- Closed without relief200.2%
- Untimely response10%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Santander Consumer USA complaints are about
Top Santander Consumer USA problems
Inside "Managing the loan or lease"
- Billing problem 675
- Problem with the interest rate 296
- Problem with fees charged 265
- Problem with additional products or services purchased with the loan 118
- Loan sold or transferred to another company 86
Where Santander Consumer USA complaints come from
Most complaints: Florida (1,547), Texas (1,275), California (1,189), Georgia (932), New York (799).
Santander Consumer USA compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Santander Consumer USAAuto loans & leases | - | 0 | - |
Compare side by side: Santander Consumer USA vs The Savings Group · Santander Consumer USA vs AC AutoPay LLC, Denver, CO Branch · Santander Consumer USA vs CARS Acquisition · Santander Consumer USA vs EA Holdings
What people say about Santander Consumer USA
All experiencesNo experiences with Santander Consumer USA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Santander Consumer USA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 30, 2022 | Auto loans & leases | Getting a loan or leaseHigh-pressure sales tactics | No timely reply |
| Sep 22, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 20, 2022 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 19, 2022 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
| Sep 19, 2022 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 18, 2022 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Sep 18, 2022 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Sep 17, 2022 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Sep 17, 2022 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 17, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 16, 2022 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 16, 2022 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Santander Consumer USA
How many complaints does Santander Consumer USA have?
Santander Consumer USA has 12,455 complaints on record since February 2012, including 0 in the last 12 months and 0 in the last 30 days.
Does Santander Consumer USA respond to complaints?
Yes. Santander Consumer USA answered 99.9% of its complaints on time (within 15 days) and closed 7% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Santander Consumer USA?
The most common problems are managing the loan or lease (2,903), incorrect information on your report (2,341), problem with a credit reporting company's investigation into an existing problem (1,080).
Is Santander Consumer USA legit?
Santander Consumer USA is a real company with a public complaint record: consumers have complained about it 12,455 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Santander Consumer USA legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Santander Consumer USA?
Complain to Santander Consumer USA in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Santander Consumer USA complaints come from?
Most come from Florida (1,547), Texas (1,275), California (1,189). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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