CFPB Consumer Complaint Profile
Santander Holdings USA, Inc.
Consumers have filed 14,326 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 14,326
- Total complaints
- Among the highest
- 6,118
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 55
- States affected
The verdict
14,326 CFPB complaints put Santander Holdings USA, Inc. at #48 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 99.9%, the 82nd percentile among companies with 100+ complaints.
- #48
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Credit reporting or …
- most-complained product
- 55
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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 Holdings USA, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3,552 in 2024 to 5,899 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2022 | 758 |
| 2023 | 2,670 |
| 2024 | 3,552 |
| 2025 | 5,899 |
| 2026year in progress | 1,446 |
Complaints by State (Top 15)
Company Responses
Santander Holdings USA, Inc. Complaint Concentration Profile
Santander Holdings USA, Inc.'s complaint volume is large enough to measure concentration - not just the headline totals. Across 57 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Vehicle loan or lease, Credit reporting, credit repair services, or other personal consumer reports) hold a 70.2% share of product-tagged complaints. The Herfindahl index on that product mix is 0.216 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Improper use of your report, Managing the loan or lease) cover a 52.5% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, Texas, Georgia) hold a 32.1% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 75.9% share among the 14,326 response-tagged complaints (10,867 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (5,899 complaints); the lightest year on file was 2018 (1). From 2024 to 2025, annual volume rose 66.1% (3,552 → 5,899). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Santander Holdings USA, Inc.
The CFPB Consumer Complaint Database has logged 14,326 complaints against Santander Holdings USA, Inc. overall, with 6,118 of those filed in the trailing 12 months. Reports have come from consumers in 55 states and territories, making this a nationwide complaint footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Santander Holdings USA, Inc. draw a 99.9% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 23.1%.
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 Holdings USA, Inc. have?
The CFPB has logged 14,326 complaints against Santander Holdings USA, Inc. to date, of which 6,118 came in over the last 12 months.
Does Santander Holdings USA, Inc. respond to complaints on time?
CFPB complaints against Santander Holdings USA, Inc. draw a 99.9% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Santander Holdings USA, Inc.?
Among all products tied to Santander Holdings USA, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Santander Holdings USA, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Santander Holdings USA, Inc.; the full issue list with counts is above.
How do I file a complaint against Santander Holdings USA, Inc.?
You can file a complaint against Santander Holdings USA, Inc. 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 Holdings USA, Inc.?
Consumers in 55 states and territories have filed complaints about Santander Holdings USA, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Santander Holdings USA, Inc.: 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 (14,326 here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Santander Holdings USA, Inc. have?
The CFPB has logged 14,326 complaints against Santander Holdings USA, Inc. to date, of which 6,118 came in over the last 12 months.
Does Santander Holdings USA, Inc. respond to complaints on time?
CFPB complaints against Santander Holdings USA, Inc. draw a 99.9% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Santander Holdings USA, Inc.?
Among all products tied to Santander Holdings USA, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Santander Holdings USA, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Santander Holdings USA, Inc.; the full issue list with counts is above.
How do I file a complaint against Santander Holdings USA, Inc.?
You can file a complaint against Santander Holdings USA, Inc. 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 Holdings USA, Inc.?
Consumers in 55 states and territories have filed complaints about Santander Holdings USA, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.