Santander Holdings USA, Inc.
16.4K 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 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
How Santander Holdings USA, Inc.'s 16.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Santander Holdings USA, Inc.
Santander Holdings USA, Inc.'s 16,395 logged complaints reach a nationwide footprint - 55 states have at least one filing on record. Only 38% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2018 through 2026-06-26.
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..
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 Holdings USA, Inc. have?
16,395, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Santander Holdings USA, 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 Holdings USA, Inc.?
"Incorrect information on your report", filed under the "Credit reporting or other personal consumer reports" 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.