PissedConsumer.com strives to provide consumers with the right information to make informed purchasing decisions. Our website collected and compiled various consumer reviews about American Credit Acceptance and Santander Consumer Usa as well as customer ratings and recommendations for these brands. Each brand score is calculated based on set of relevant criteria and displays company performance over time.

American Credit Acceptance
Santander Consumer Usa

American Credit Acceptance and Santander Consumer Usa Overview

Total reviews
321
1294
Company responses
0
0
Issues resolved
0
1

American Credit Acceptance and Santander Consumer Usa Consumer Ratings

Rank
342 out of 1862 in Financial Services category
335 out of 1862 in Financial Services category
Customer service
210 in category
248 in category
Website
289 in category
254 in category
Product or Service Quality
221 in category
240 in category
Interest Rate
212 in category
208 in category

American Credit Acceptance and Santander Consumer Usa Rating Details

Customer service
1.4 (137 reviews)
1.3 (239 reviews)
Reviewer's quote

A lady came on (not from Jamaica) and said it would be 3-4 business days because the customer service department does that. I said aren't you customer service? She said no we handle collections and stuff like that customer service would handle sending you that proof of payments through email. I...

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...But then I was told they didn't have a cell number for me and asked me to call customer service. Butsurprise!there's no 24-hour live representative. (WHY NOT????) So after all this time I still can't get my mobile app to work...

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Website
1.4 (126 reviews)
1.6 (222 reviews)
Reviewer's quote

I went on their website digging around and on the FAQ It states if you pay at the beginning of the month a larger portion of your payment will apply towards principal. I'm seeing so many complaints of people paying for years and still having large balances, its making me think that a majority if...

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...I don't even know if my payments are going through! I pull up pending payments after make a payment and there is nothing there! You would think with all this technology now, they would have a website that actually worked. ..

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Product or Service Quality
1.3 (125 reviews)
1.3 (214 reviews)
Reviewer's quote

...I feel like this dun do right repo service messed with my car battery. My car couldn't start anymore without a jump. Being on a tight budget I purchased a jump started because I had obligations to keep a roof over my head...

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Santander Consumer USA is not recognized or accredited by the BBB for poor quality service and taking advantage of customers. Santander Consumer USA is a scam. If you are looking for a Loan make sure the business is legit and accredited by the BBB..

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Interest Rate
1.2 (122 reviews)
1.2 (204 reviews)
Reviewer's quote

...It appears an intentional act to keep the client interest rate high. American Credit Acceptance is stealing millions of dollar from clients that are keeping their word. My next letter is to the Better Business Bureau and any other agency that might help resolve this unfair practice..

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I am unable to catch up due to the HIGH INTEREST RATE LOW PRINCIPLE and now being charged $6. 00 per day until I am able to make a $2000 payment or $445. 00 every 2 weeks I am getting deeper and deeper in debt with this company and no one want to refinance due to the upside down LOAN..

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American Credit Acceptance and Santander Consumer Usa Pros and Cons

Pros
  • Were there for me when i needed them
  • There are no pros
  • Understand stand my situation
  • I have had very little interaction with santander
  • Anantander consumer no stars
  • There are no pros
Cons
  • Customer service
  • Unknowledgeable
  • What customer service
  • Customer service
  • Rude managers
  • Being hung up on

American Credit Acceptance and Santander Consumer Usa Most Positive Reviews

Top rated reviews
5

Haven't had any bad experiences with them so far and have been with them for a yr now , hope they can help with and up...

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5

I had no problem with them they never call about payment hope to get my title car will be paid of in two month

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5

Im seeing a lot of negative reviews on American credit acceptance. We have been with them about a year to a year and a...

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5

Today pay shows $4846. 0 but when contacting Santander the amount has went up in days to $5064.23. I asked for them to...

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American Credit Acceptance and Santander Consumer Usa Most Critical Reviews

Lowest rated reviews
1

i bought my car from a local dealer and they sold my account to ACA, which i didn't approve. after paying every month...

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1

I have been paying on a 2006 Nissan Altima for 6 1/2 years. I called in June of this year to tell Santander to change...

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1

Each month I make regular payments, as scheduled. Then I send a principal payment, PRINCIPAL ONLY!! but they keep...

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1

I sent them a cashiers check and 6 months later they sent me a over due amount. When I called they went over my bills...

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American Credit Acceptance and Santander Consumer Usa Latest Reviews

Recent published reviews
1

They are slow processing my payment every month even though I told them the payment would be in the bank on the first...

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No votes

Was directed to go online to submit my request

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No votes

I believe nothing is happening on this site because it is monitored by American Credit Acceptance.

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1

I would like to be a part of the law suit in regards to the unfair practices by santander

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American Credit Acceptance and Santander Consumer Usa Products and Services

Most reviewed product and services
  • American Credit Acceptance Auto Loan (71 reviews)
  • American Credit Acceptance Customer Care (32 reviews)
  • American Credit Acceptance Loan (17 reviews)
  • Santander Consumer Usa Loan (446 reviews)
  • Santander Consumer Usa Auto Loan (177 reviews)
  • Santander Consumer Usa Account (98 reviews)