CFPB · Slower timely-response band
Santander Bank, National Association
4.3K CFPB complaints · 94.5% timely (slow band) · top issue Account opening, closing, or management.
Santander Bank, National Association answers 94.5% on time (lower third) across 4.3K filings. Relief 8% · top product Bank account or service. Allegations, not findings.
- Slower timely-response band
- +5800% filings 2011 to 2022
CFPB relief outcome brief
CCDB company santander-bank-national-association
8% relief · 94.5% timely · 4.3K filings · Bank account or service
Same-product relief peers
Nearest relief peer: BB&T Corporation (5.3% relief)
Santander Bank, National Association closes 8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Santander Bank, National Association scores strongest on timely response (90/100 percentile-benchmarked) and weakest on closed with explanation (35/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
37 / 100 percentile-benchmarked
8% of complaints closed with relief to the consumer
Timely response
90 / 100 percentile-benchmarked
94.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
35 / 100 percentile-benchmarked
64.9% of complaints closed with an explanation to the consumer
How 4.3K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Nationwide filing states for Santander Bank, National Association
Top states by attributed CFPB complaint volume for this company
- Leading state
- MA
- 24.9% of this company's filings
Santander Bank, National Association rising annual filings
Annual filing volume from the CFPB public database
- 2022
- 236
- +5800% vs 2011
Volume vs. relief
Where Santander Bank, National Association sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Santander Bank, National Association files more complaint volume than 63% of them, and closes complaints with relief more often than 64% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 4,274 · Closed with relief: 8.0%
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
Santander Bank, National Association in the slower-timely third
Santander Bank, National Association's 4,274 logged complaints reach a nationwide footprint - 48 states have at least one filing. Only 21.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2011 through 2022-09-23. Timely response 94.5% sits in the lower third of the corpus.
Santander Bank, National Association answers 94.5% of complaints inside the CFPB's tracked window (timely band: slow) and closes 8% with relief; 64.9% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Bank account or service" · top issue "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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Santander Bank, National Association: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 4.3K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.5%.
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.
Data sourced from official public datasets for Santander Bank, National Association (#127 of 342; 94.5% timely; 8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band