CFPB · Heavy filing volume
Santander Consumer USA Holdings Inc.
12.5K CFPB complaints (heavy-volume third) · 56 states · top issue Managing the loan or lease.
Santander Consumer USA Holdings Inc. is in the heavy-volume third with 12.5K CFPB complaints (ranks #56 of 342). Timely 99.9% · relief 7% · top product Vehicle loan or lease. Allegations, not findings.
- Volume rank #56 of 342
- Heavy filing volume
- +878.2% filings 2012 to 2022
CFPB relief outcome brief
CCDB company santander-consumer-usa-holdings-inc
7% relief · 99.9% timely · 12.5K filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Fleet Financial, Inc. (7.5% relief)
Santander Consumer USA Holdings Inc. closes 7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Santander Consumer USA Holdings Inc.'s 12.5K filings include narrative text
47.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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
Heavy-volume mix: how Santander Consumer USA Holdings Inc.'s 12.5K complaints split across CFPB product categories. Resolution badge = % closed with 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 |
Nationwide filing states for Santander Consumer USA Holdings Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- FL
- 12.4% of this company's filings
Santander Consumer USA Holdings Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2022
- 1.4K
- +878.2% vs 2012
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
Santander Consumer USA Holdings Inc. in the heavy-volume third
Santander Consumer USA Holdings Inc.'s 12,455 logged complaints reach a nationwide footprint - 56 states have at least one filing. 47.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2022-09-30. Volume lands in the heaviest third of the indexed company corpus (#56 of 342).
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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Santander Consumer USA Holdings Inc.: 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: 12.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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 Consumer USA Holdings Inc. (#56 of 342; 99.9% timely; 7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume