Santander Bank, National Association
4.3K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Santander Bank, National Association complaint mix by product
- Bank account 1K 35.7% – 16% relief
- Mortgage 1K 27.8% – 6% relief
- Checking or 1K 25.4% – 1% relief
- Credit reporting, 126 3.1% – 1% relief
- Credit card 114 2.8% – 1% relief
- Credit card 106 2.6% – 15% relief
- Consumer Loan 102 2.5% – 11% relief
How Santander Bank, National Association's 4.3K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Bank account or service | 1.4K |
| Mortgage | 1.1K |
| Checking or savings account | 1.0K |
| Credit reporting, credit repair services, or other personal consumer reports | 126 |
| Credit card or prepaid card | 114 |
| Credit card | 106 |
| Consumer Loan | 102 |
| Debt collection | 80 |
| Payday loan, title loan, or personal loan | 57 |
| Money transfer, virtual currency, or money service | 55 |
| Money transfers | 18 |
| Vehicle loan or lease | 10 |
| Payday loan | 2 |
| Credit reporting | 2 |
| Other financial service | 2 |
| Student loan | 1 |
Top States
| State | Complaints |
|---|---|
| MA | 1.1K |
| PA | 758 |
| NJ | 746 |
| NY | 641 |
| CT | 174 |
| RI | 167 |
| NH | 82 |
| FL | 81 |
| MD | 65 |
| CA | 61 |
| DE | 35 |
| NC | 29 |
| GA | 28 |
| IL | 28 |
| OH | 25 |
| VA | 21 |
| TX | 17 |
| AZ | 17 |
| IN | 14 |
| WA | 13 |
Top Issues
| Issue | Complaints |
|---|---|
| Account opening, closing, or management | 702 |
| Managing an account | 652 |
| Deposits and withdrawals | 349 |
| Loan servicing, payments, escrow account | 308 |
| Trouble during payment process | 249 |
| Loan modification,collection,foreclosure | 225 |
| Problems caused by my funds being low | 197 |
| Opening an account | 120 |
| Using a debit or ATM card | 120 |
| Closing an account | 111 |
| Incorrect information on your report | 95 |
| Problem with a lender or other company charging your account | 92 |
| Struggling to pay mortgage | 81 |
| Making/receiving payments, sending money | 78 |
| Applying for a mortgage or refinancing an existing mortgage | 72 |
| Application, originator, mortgage broker | 66 |
| Managing the loan or lease | 53 |
| Closing on a mortgage | 47 |
| Problem caused by your funds being low | 47 |
| Settlement process and costs | 36 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 4 | 100% |
| 2012 | 433 | 96.8% |
| 2013 | 524 | 100% |
| 2014 | 475 | 99.6% |
| 2015 | 362 | 100% |
| 2016 | 447 | 98.7% |
| 2017 | 389 | 99.7% |
| 2018 | 346 | 98.8% |
| 2019 | 327 | 98.2% |
| 2020 | 361 | 88.6% |
| 2021 | 370 | 88.6% |
| 2022 | 236 | 50% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Santander Bank, National Association
Santander Bank, National Association's 4,274 logged complaints reach a nationwide footprint - 48 states have at least one filing on record. Only 21.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2011 through 2022-09-23.
Santander Bank, National Association answers 94.5% of complaints inside the CFPB's tracked window and closes 64.9% with a written explanation. 8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Bank account or service" draws the most filings, most often for "Account opening, closing, or management."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Santander Bank, National Association.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Santander Bank, National Association have?
4,274, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Santander Bank, National Association respond to complaints on time?
94.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Santander Bank, National Association?
"Account opening, closing, or management", filed under the "Bank account or service" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.