About Santander Consumer USA
Santander Consumer USA is a specialized auto finance company that offers financing for new and used vehicles, as well as refinancing and related services such as lease and dealer financing programs. Working with franchised and independent dealerships across the United States, it helps consumers obtain loans for cars, trucks, and SUVs, including for those with non‑prime credit profiles. Santander Consumer USA is part of the global Santander banking group and operates out of its headquarters at 1601 Elm Street in Dallas, Texas.
A charge with a descriptor that includes “1601 ELM STREET” and the phone number 888‑222‑4227 is typically related to an auto loan payment, a late fee, an auto lease payment serviced by Santander Consumer USA, or an associated adjustment such as a returned‑payment fee or payoff transaction. On some bank and card statements, this may show up as a check card purchase, electronic payment, or ACH debit tied to your auto financing contract, online payment portal activity, or a phone payment processed by their servicing department. If you have an auto loan or lease through a dealer that uses Santander (often branded as Santander Consumer USA, Chrysler Capital, or partner OEM finance programs), this is likely the source of the charge.
To verify the charge, log in to your Santander Consumer USA account portal or relevant branded site (such as a Chrysler Capital account) and review your payment history for the same date and amount, or check the payoff and fee section if you recently changed or closed your loan. You can also call their official customer service line at 888‑222‑4227, which publicly matches the address 1601 Elm St., Suite 800, Dallas, TX 75201, to confirm details about the transaction and your account. If you do not recognize the charge and have no relationship with Santander Consumer USA, contact both Santander and your bank or card issuer immediately to dispute the transaction and ensure there is no fraudulent use of your payment information.