What is the most common complaint against Santander Bank, National Association?

The most common issue consumers report about Santander Bank, National Association is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 80 complaints filed with the CFPB.

Are complaints against Santander Bank, National Association increasing or decreasing?

Complaints against Santander Bank, National Association are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Santander Bank, National Association's reputation grade?

Santander Bank, National Association has a reputation grade of D (score: 55.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Santander Bank, National Association respond to consumer complaints?

Santander Bank, National Association has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Santander Bank, National Association operate?

Santander Bank, National Association has received CFPB complaints from consumers in 16 states, with the most complaints from Massachusetts (22 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Santander Bank, National Association - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

28
False statements or representation

12
Cont'd attempts collect debt not owed

10
Disclosure verification of debt

10
Took or threatened to take negative or legal action

5
Communication tactics

5

Data updated September 2026

CFPB complaint disposition

CCDB record santander-bank-national-association Santander Bank, National Association

Grade D · 80 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #928 · compose #3307

VOL 80
GRADE D
12MO 0
STATES 16
TIMELY 93%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #928
COMPOSE #3,307

Volume peers

Nearest volume peer: Law Offices Howard Lee Schiff, P.C. (80 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Santander Bank, National Association's 80 CFPB complaints sit next to Law Offices Howard Lee Schiff, P.C. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

Massachusetts is the plurality state for Santander Bank, National Association (27.5%)

The 2024-08 spike coincides with a 2,379-place gap between volume rank #928 and composite #3,307. Corpus placement method.

Plurality state: Massachusetts 27.5%; Mid-band (15–30%) · 16 states with ≥1 filing
Spike month: 2024-08 33.3%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #928 volume; #3,307 composite; Cleanest-composite ladder is 2,379 places worse than volume

How does Santander Bank, National Association compare to its peers?

How does SANTANDER BANK, NATIONAL ASSOCIATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

SANTANDER BANK, NATION… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

96%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-02 2024-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	28
False statements or representation	12
Cont'd attempts collect debt not owed	10
Disclosure verification of debt	10
Took or threatened to take negative or legal action	5
Communication tactics	5
Improper contact or sharing of info	5
Written notification about debt	4
Taking/threatening an illegal action	1

Where do complaints against Santander Bank, National Association come from?

Santander Bank, National Association's own per-state count, not a national baseline.

Massachusetts

22
Pennsylvania

14
New Jersey

12
New York

11
Rhode Island

5
Florida

3
Arizona

2
California

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Santander Bank, National Association: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 80.

4 peers

Know your rights before responding to Santander Bank, National Association: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.