Santander Holdings USA, Inc. Consumer Complaints
Santander Holdings USA, Inc. has received 15,760 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: Jun 1, 2026Key Takeaways
- 15,760 total complaints on file with the CFPB.
- Most complaints are about Credit reporting or other personal consumer reports (5,635).
- Timely response rate: 99.9%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Santander Holdings USA, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit reporting or other personal consumer reports | 5,635 | 35.8% |
| Vehicle loan or lease | 4,765 | 30.2% |
| Debt collection | 2,171 | 13.8% |
| Checking or savings account | 1,226 | 7.8% |
| Credit reporting, credit repair services, or other personal consumer reports | 1,164 | 7.4% |
| Credit card | 197 | 1.3% |
| Mortgage | 196 | 1.2% |
| Payday loan, title loan, personal loan, or advance loan | 148 | 0.9% |
| Money transfer, virtual currency, or money service | 134 | 0.9% |
| Credit card or prepaid card | 47 | 0.3% |
| Payday loan, title loan, or personal loan | 38 | 0.2% |
| Debt or credit management | 28 | 0.2% |
| Prepaid card | 11 | 0.1% |
Most Common Issues
These are the specific issues consumers most frequently report about Santander Holdings USA, Inc..
Company Response Breakdown
When consumers file complaints, Santander Holdings USA, Inc. responds in one of several ways. The breakdown below shows how Santander Holdings USA, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 11,787 | 74.8% |
| Closed with non-monetary relief | 3,724 | 23.6% |
| In progress | 134 | 0.9% |
| Closed with monetary relief | 114 | 0.7% |
| Untimely response | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Santander Holdings USA, Inc..
| State | Complaints |
|---|---|
| Florida | 1,918 |
| Texas | 1,882 |
| Georgia | 1,260 |
| California | 1,177 |
| New York | 1,109 |
| Pennsylvania | 832 |
| New Jersey | 756 |
| Massachusetts | 607 |
| North Carolina | 592 |
| Illinois | 563 |
| Ohio | 439 |
| Maryland | 421 |
| South Carolina | 373 |
| Michigan | 328 |
| Louisiana | 310 |
| Virginia | 292 |
| Alabama | 283 |
| Tennessee | 273 |
| Missouri | 216 |
| Arizona | 204 |
Your Rights
What to do if you have a complaint against Santander Holdings USA, Inc.
- Contact Santander Holdings USA, 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 Holdings USA, Inc. have?
Santander Holdings USA, Inc. has 15,760 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Santander Holdings USA, Inc.?
The most common issue reported is Incorrect information on your report with 3,437 complaints.
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How do I file a complaint against Santander Holdings USA, 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 Holdings USA, Inc. respond to complaints on time?
Santander Holdings USA, 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 June 2026.