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.
- 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 →
Response Quality Score
Santander Consumer USA Holdings Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (33/100), 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
33 / 100 percentile-benchmarked
7% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
86 / 100 percentile-benchmarked
92.3% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Santander Consumer USA Holdings Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Santander Consumer USA Holdings Inc. files more complaint volume than 84% of them, and closes complaints with relief more often than 61% 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: 12,455 · Closed with relief: 7.0%
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