my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date

What the CFPB Record Shows About my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date

my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Back, and the most recent logged activity is Back in XX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "XXXX after the vehicle was rendered a total loss", and the single most common underlying issue is "XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.