CFPB Consumer Complaint Profile
Santander Bank, National Association
4,275 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
- 4,275
- Total complaints
- Among the highest
- 0
- Last 12 months
- 94.5%
- Timely response
- Below median
- 48
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Santander Bank, National Association sits at #117, with 4,275 complaints logged. It posts a 94.5% on-time response rate, the 27th percentile among companies with 100+ complaints.
- #117
- of 3,843 companies by volume
- 94.5%
- on time (27th pctile)
- Bank account or serv…
- most-complained product
- 48
- 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 Bank, National Association vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.5% Around the middle higher than 27% 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
What changed
CFPB Consumer Complaint Database 2021 to 2022 complete years
- Annual CFPB complaint volume moved from 370 in 2021 to 236 in 2022 (2021 → 2022).
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 |
|---|---|
| 2011 | 4 |
| 2012 | 434 |
| 2013 | 524 |
| 2014 | 475 |
| 2015 | 362 |
| 2016 | 447 |
| 2017 | 389 |
| 2018 | 346 |
| 2019 | 327 |
| 2020 | 361 |
| 2021 | 370 |
| 2022 | 236 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Santander Bank, National Association
Santander Bank, National Association carries 4,275 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 48 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Bank account or service," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Account opening, closing, or management" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Santander Bank, National Association posts a 94.5% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 20% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 8% closed with some form of monetary or non-monetary relief to 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, 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 Bank, National Association have?
The CFPB has logged 4,275 complaints against Santander Bank, National Association to date, of which 0 came in over the last 12 months.
Does Santander Bank, National Association respond to complaints on time?
CFPB complaints against Santander Bank, National Association draw a 94.5% timely-response rate inside the expected window.
What product generates the most complaints for Santander Bank, National Association?
Among all products tied to Santander Bank, National Association, "Bank account or service" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Santander Bank, National Association?
"Account opening, closing, or management" is the single most frequently cited issue in complaints against Santander Bank, National Association - see all issues and counts above.
How do I file a complaint against Santander Bank, National Association?
You can file a complaint against Santander Bank, National Association 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 Bank, National Association?
Santander Bank, National Association has drawn CFPB complaints from 48 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 Bank, National Association: 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 complaint volume
Nearest companies by total CFPB complaint count (4,275 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (20% 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.