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 2026-05-15
- 4,275
- Total complaints
- 0
- Last 12 months
- 94.5%
- Timely response
- 48
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Santander Bank, National Association sits at #117, with 4,275 complaints logged. It answers 94.5% of complaints on time - above the 93% median for companies with 100+ complaints.
- #117
- of 3,848 companies by volume
- 94.5%
- answered on time
- Bank account or serv…
- most-complained product
- 48
- 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 |
|---|---|
| 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 answers 94.5% of forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. In 20% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 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 (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 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?
94.5% of the CFPB complaints against Santander Bank, National Association get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~4,275)
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.