Santander Consumer USA Holdings Inc.
12.5K 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 Consumer USA Holdings Inc. complaint mix by product
- Vehicle loan 4K 34.4% – 8% relief
- Credit reporting, 4K 29.1% – 8% relief
- Consumer Loan 3K 20.6% – 5% relief
- Debt collection 2K 14.0% – 5% relief
- Payday loan, 123 1.0% – 6% relief
- Credit card 68 0.6% – 0% relief
- Bank account 54 0.4% – 0% relief
How Santander Consumer USA Holdings Inc.'s 12.5K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 4.2K |
| Credit reporting, credit repair services, or other personal consumer reports | 3.6K |
| Consumer Loan | 2.5K |
| Debt collection | 1.7K |
| Payday loan, title loan, or personal loan | 123 |
| Credit card or prepaid card | 68 |
| Bank account or service | 54 |
| Credit reporting | 37 |
| Mortgage | 32 |
| Checking or savings account | 25 |
| Credit card | 11 |
| Money transfer, virtual currency, or money service | 9 |
| Money transfers | 1 |
| Payday loan | 1 |
Top States
| State | Complaints |
|---|---|
| FL | 1.5K |
| TX | 1.3K |
| CA | 1.2K |
| GA | 932 |
| NY | 799 |
| PA | 457 |
| NC | 453 |
| NJ | 451 |
| IL | 441 |
| MD | 387 |
| OH | 310 |
| VA | 304 |
| SC | 284 |
| MI | 273 |
| LA | 262 |
| TN | 258 |
| AL | 219 |
| AZ | 201 |
| MA | 200 |
| MO | 196 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing the loan or lease | 2.9K |
| Incorrect information on your report | 2.3K |
| Problem with a credit reporting company's investigation into an existing problem | 1.1K |
| Struggling to pay your loan | 998 |
| Improper use of your report | 781 |
| Problems at the end of the loan or lease | 675 |
| Attempts to collect debt not owed | 664 |
| Problems when you are unable to pay | 575 |
| Getting a loan or lease | 482 |
| Taking out the loan or lease | 367 |
| Written notification about debt | 309 |
| Took or threatened to take negative or legal action | 180 |
| False statements or representation | 149 |
| Communication tactics | 129 |
| Shopping for a loan or lease | 129 |
| Cont'd attempts collect debt not owed | 127 |
| Disclosure verification of debt | 95 |
| Problem when making payments | 35 |
| Improper contact or sharing of info | 33 |
| Account opening, closing, or management | 31 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 147 | 99.3% |
| 2013 | 329 | 99.7% |
| 2014 | 557 | 100% |
| 2015 | 756 | 100% |
| 2016 | 854 | 100% |
| 2017 | 1.2K | 99.8% |
| 2018 | 1.3K | 100% |
| 2019 | 1.2K | 100% |
| 2020 | 1.9K | 99.9% |
| 2021 | 2.7K | 100% |
| 2022 | 1.4K | 99.9% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Santander Consumer USA Holdings Inc.
Santander Consumer USA Holdings Inc.'s 12,455 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. 47.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2012 through 2022-09-30.
Santander Consumer USA Holdings Inc. answers 99.9% of complaints inside the CFPB's tracked window and closes 92.3% with a written explanation. 7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Managing the loan or lease."
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 Consumer USA Holdings Inc..
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 Consumer USA Holdings Inc. have?
12,455, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Santander Consumer USA Holdings Inc. respond to complaints on time?
99.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Santander Consumer USA Holdings Inc.?
"Managing the loan or lease", filed under the "Vehicle loan or lease" 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.