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 2026-05-15
- 14,326
- Total complaints
- 6,118
- Last 12 months
- 99.9%
- Timely response
- 55
- States affected
The verdict
14,326 CFPB complaints put Santander Holdings USA, Inc. at #48 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 99.9%, ahead of the 93% median among companies with 100+ complaints.
- #48
- of 3,848 companies by volume
- 99.9%
- answered on time
- Credit reporting or …
- most-complained product
- 55
- 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 |
|---|---|
| 2018 | 1 |
| 2022 | 758 |
| 2023 | 2,670 |
| 2024 | 3,552 |
| 2025 | 5,899 |
| 2026 | 1,446 |
Complaints by State (Top 15)
Company Responses
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.
99.9% of CFPB-forwarded complaints against Santander Holdings USA, Inc. get a reply 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, 23.1% closed with the consumer receiving monetary or non-monetary relief.
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 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?
99.9% of the CFPB complaints against Santander Holdings USA, Inc. get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~14,326)
Also handles Credit reporting or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.