Santander Consumer USA Holdings Inc. Consumer Complaints
Santander Consumer USA Holdings Inc. has received 12,455 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 12,455 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (4,246).
- Timely response rate: 99.9%.
- Consumer disputed rate: 28.1% of resolved complaints.
Complaints by Product
The following table shows how complaints against Santander Consumer USA Holdings Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 4,246 | 34.1% |
| Credit reporting, credit repair services, or other personal consumer reports | 3,586 | 28.8% |
| Consumer Loan | 2,537 | 20.4% |
| Debt collection | 1,725 | 13.8% |
| Payday loan, title loan, or personal loan | 123 | 1.0% |
| Credit card or prepaid card | 68 | 0.5% |
| Bank account or service | 54 | 0.4% |
| Credit reporting | 37 | 0.3% |
| Mortgage | 32 | 0.3% |
| Checking or savings account | 25 | 0.2% |
| Credit card | 11 | 0.1% |
| Money transfer, virtual currency, or money service | 9 | 0.1% |
| Money transfers | 1 | 0.0% |
| Payday loan | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Santander Consumer USA Holdings Inc..
Company Response Breakdown
When consumers file complaints, Santander Consumer USA Holdings Inc. responds in one of several ways. The breakdown below shows how Santander Consumer USA Holdings Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 11,493 | 92.3% |
| Closed with non-monetary relief | 615 | 4.9% |
| Closed with monetary relief | 235 | 1.9% |
| Closed | 90 | 0.7% |
| Closed without relief | 20 | 0.2% |
| Closed with relief | 1 | 0% |
| Untimely response | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Santander Consumer USA Holdings Inc..
| State | Complaints |
|---|---|
| Florida | 1,547 |
| Texas | 1,275 |
| California | 1,189 |
| Georgia | 932 |
| New York | 799 |
| Pennsylvania | 457 |
| North Carolina | 453 |
| New Jersey | 450 |
| Illinois | 441 |
| Maryland | 387 |
| Ohio | 310 |
| Virginia | 304 |
| South Carolina | 284 |
| Michigan | 274 |
| Louisiana | 263 |
| Tennessee | 258 |
| Alabama | 219 |
| Arizona | 201 |
| Massachusetts | 200 |
| Missouri | 196 |
Your Rights
What to do if you have a complaint against Santander Consumer USA Holdings Inc.
- Contact Santander Consumer USA Holdings Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Santander Consumer USA Holdings Inc. have?
Santander Consumer USA Holdings Inc. has 12,455 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Santander Consumer USA Holdings Inc.?
The most common issue reported is Managing the loan or lease with 2,903 complaints.
-
How do I file a complaint against Santander Consumer USA Holdings Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Santander Consumer USA Holdings Inc. respond to complaints on time?
Santander Consumer USA Holdings Inc. has a 99.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.