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

CFPB complaint data Grade D 80 complaints

Santander Bank, National Association - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Santander Bank, National Association

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 80
  • GRADE D
  • 12MO 0
  • STATES 16
  • TIMELY 93%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #928
  • COMPOSE Not ranked

Volume peers

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

Law Offices Howard Lee Schiff, P.C.Law Offices Howard Lee Schif…80Mechanics BankMechanics Bank80QC Holdings IncQC Holdings Inc80Santander Bank, National Association (this)Santander Bank, National Ass…80Account Management ResourcesAccount Management Resources81
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 →

How the 80 complaints break down

Every complaint issue type on record for Santander Bank, National Association, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.2/100
Santander Bank, National Association

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
80
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#928 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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, NATIONAL ASSOCIATION National average
Complaints (last 12 mo)lower is better
0
14
268
Timely-response ratehigher is better
93%
96%
91%
Consumer-dispute ratelower is better
21%
8%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Santander Bank, National Association a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 90%92%94%96%98%100% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Santander Bank, National Association vs. 7 similar-volume peers, by response speed and dispute rate Santander Bank, National AssociationQC HOLDINGS INCLaw Offices Howard Lee Schiff, P.C.American Credit Bureau, Inc.CREDIT WORLD SERVICES, INC.Gordon, Aylworth & Tami, P.C.Credit Consulting Services, Inc.Business Revenue Systems, Inc.
Source: CFPB Consumer Complaint Database

Santander Bank, National Association's complaint volume in context

Santander Bank, National Association vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

80 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Santander Bank, National Association 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Santander Bank, National Association

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.