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 2026-05-15
- 165
- Total complaints
- 0
- Last 12 months
- 100%
- Timely response
- 16
- States affected
The verdict
Santander Bancorp ranks #1042 of 3,848 financial companies by CFPB complaint volume, with 165 complaints on record. Its on-time response rate is 100%, ahead of the 93% median among companies with 100+ complaints.
- #1042
- of 3,848 companies by volume
- 100%
- answered on time
- Bank account or serv…
- most-complained product
- 16
- states with complaints
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.
100% of CFPB-forwarded complaints against Santander Bancorp get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 29.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~165)
Also handles Bank account or service
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.