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.
- 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 →
Response Quality Score
Santander Holdings USA, Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (52/100), 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
100 / 100 percentile-benchmarked
24.4% 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
52 / 100 percentile-benchmarked
73.8% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Santander Holdings USA, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Santander Holdings USA, Inc. files more complaint volume than 87% of them, and closes complaints with relief more often than 87% 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: 16,395 · Closed with relief: 24.4%
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