CFPB Consumer Complaint Profile
Santander Bancorp
165 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 165
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 16
- States affected
The verdict
Santander Bancorp ranks #1040 of 3,843 financial companies by CFPB complaint volume, with 165 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1040
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Bank account or serv…
- most-complained product
- 16
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Santander Bancorp vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 9 |
| 2013 | 14 |
| 2014 | 22 |
| 2015 | 38 |
| 2016 | 20 |
| 2017 | 17 |
| 2018 | 20 |
| 2019 | 16 |
| 2020 | 8 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Santander Bancorp
The CFPB Consumer Complaint Database has logged 165 complaints against Santander Bancorp overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 16 states and territories, making this a multi-regional complaint footprint. "Bank account or service" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Account opening, closing, or management," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Santander Bancorp draw a 100% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 29.1% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Santander Bancorp have?
165 complaints have been filed against Santander Bancorp with the CFPB overall - 0 of them in the past year.
Does Santander Bancorp respond to complaints on time?
Santander Bancorp's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Santander Bancorp?
Among all products tied to Santander Bancorp, "Bank account or service" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Santander Bancorp?
The most common issue reported by consumers about Santander Bancorp is "Account opening, closing, or management." All complaint issues are listed above with their counts.
How do I file a complaint against Santander Bancorp?
You can file a complaint against Santander Bancorp directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Santander Bancorp?
Santander Bancorp has drawn CFPB complaints from 16 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Santander Bancorp: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (29.1% here).
Also handles Bank account or service
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.