CFPB · Heavy filing volume
Santander Holdings USA, Inc.
16.4K CFPB complaints (heavy-volume third) · 55 states · top issue Incorrect information on your report.
Santander Holdings USA, Inc. is in the heavy-volume third with 16.4K CFPB complaints (ranks #47 of 342). Timely 99.9% · relief 24.4% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Volume rank #47 of 342
- Heavy filing volume
- +351000% filings 2018 to 2026
CFPB relief outcome brief
CCDB company santander-holdings-usa-inc
24.4% relief · 99.9% timely · 16.4K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: LexisNexis (24.3% relief)
Santander Holdings USA, Inc. closes 24.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 16.4K 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 Holdings USA, Inc. complaint mix by product
- Credit reporting 6K 36.6% – 31% relief
- Vehicle loan 5K 31.2% – 26% relief
- Debt collection 2K 14.5% – 35% relief
- Checking or 1K 7.9% – 1% relief
- Credit reporting, 1K 7.3% – 5% relief
- Credit card 204 1.3% – 10% relief
- Mortgage 199 1.2% – 2% relief
Heavy-volume mix: how Santander Holdings USA, Inc.'s 16.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 5.8K |
| Vehicle loan or lease | 5.0K |
| Debt collection | 2.3K |
| Checking or savings account | 1.3K |
| Credit reporting, credit repair services, or other personal consumer reports | 1.2K |
| Credit card | 204 |
| Mortgage | 199 |
| Payday loan, title loan, personal loan, or advance loan | 154 |
| Money transfer, virtual currency, or money service | 137 |
| Credit card or prepaid card | 47 |
| Payday loan, title loan, or personal loan | 38 |
| Debt or credit management | 28 |
| Prepaid card | 11 |
Nationwide filing states for Santander Holdings USA, Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- FL
- 12.1% of this company's filings
Santander Holdings USA, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3.5K
- +351000% vs 2018
Top States
| State | Complaints |
|---|---|
| FL | 2.0K |
| TX | 2.0K |
| GA | 1.3K |
| CA | 1.2K |
| NY | 1.1K |
| PA | 863 |
| NJ | 786 |
| MA | 636 |
| NC | 618 |
| IL | 581 |
| OH | 465 |
| MD | 432 |
| SC | 395 |
| MI | 342 |
| LA | 325 |
| VA | 301 |
| AL | 291 |
| TN | 284 |
| MO | 229 |
| AZ | 217 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 3.6K |
| Improper use of your report | 2.8K |
| Managing the loan or lease | 1.4K |
| Repossession | 1.1K |
| Problem with a company's investigation into an existing problem | 1.1K |
| Attempts to collect debt not owed | 919 |
| Managing an account | 819 |
| Problems at the end of the loan or lease | 765 |
| Took or threatened to take negative or legal action | 681 |
| Getting a loan or lease | 568 |
| Struggling to pay your loan | 488 |
| False statements or representation | 311 |
| Written notification about debt | 290 |
| Problem with a credit reporting company's investigation into an existing problem | 198 |
| Closing an account | 161 |
| Problem with a lender or other company charging your account | 132 |
| Trouble during payment process | 120 |
| Opening an account | 108 |
| Communication tactics | 90 |
| Credit monitoring or identity theft protection services | 80 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 100% |
| 2022 | 758 | 99.9% |
| 2023 | 2.7K | 99.9% |
| 2024 | 3.6K | 99.9% |
| 2025 | 5.9K | 99.9% |
| 2026 | 3.5K | 100% |
Source: CFPB Consumer Complaint Database
Santander Holdings USA, Inc. in the heavy-volume third
Santander Holdings USA, Inc.'s 16,395 logged complaints reach a nationwide footprint - 55 states have at least one filing. Only 38% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2018 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#47 of 342).
Santander Holdings USA, Inc. answers 99.9% of complaints inside the CFPB's tracked window and closes 73.8% with a written explanation. 24.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
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 Holdings USA, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Santander Holdings USA, 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: 16.4K.
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 Holdings USA, Inc. (#47 of 342; 99.9% timely; 24.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume