Total CFPB complaints
80
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 80 complaints
SANTANDER BANK, NATIONAL ASSOCIATION — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SANTANDER BANK, NATIONAL ASSOCIATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
28 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Disclosure verification of debt 10
Disclosure verification of debt
10 complaints
- Cont'd attempts collect debt not owed 6
Cont'd attempts collect debt not owed
6 complaints
- Communication tactics 5
Communication tactics
5 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
D
Grade D · 58.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about SANTANDER BANK, NATIONAL ASSOCIATION?
SANTANDER BANK, NATIONAL ASSOCIATION has accumulated 80 total CFPB complaints across 16 states, with 0 filed in the most recent 12 months against 80 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 21% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by Massachusetts with 22 and Pennsylvania with 14, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.8/100 places SANTANDER BANK, NATIONAL ASSOCIATION in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
16
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
58.8/100 composite
Response-quality profile
How SANTANDER BANK, NATIONAL ASSOCIATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 42.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does SANTANDER BANK, NATIONAL ASSOCIATION compare to its peers?
SANTANDER BANK, NATION… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2020-03 2022-08
Top Consumer Issues
Attempts to collect debt not owed28 (%)
False statements or representation10 (%)
Cont'd attempts collect debt not owed6 (%)
Disclosure verification of debt10 (%)
Communication tactics5 (%)
Written notification about debt3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 13 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Communication tactics | Frequent or repeated calls | 5 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
Where do complaints against SANTANDER BANK, NATIONAL ASSOCIATION come from?
The states where consumers have filed the most CFPB complaints against SANTANDER BANK, NATIONAL ASSOCIATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SANTANDER BANK, NATIONAL ASSOCIATION
Across 16 states with at least one filing
- Massachusetts
Massachusetts
22 complaints
- Pennsylvania
Pennsylvania
14 complaints
- New Jersey
New Jersey
12 complaints
- New York
New York
11 complaints
- Rhode Island 5
Rhode Island
5 complaints
- Florida 3
Florida
3 complaints
- Arizona 2
Arizona
2 complaints
- California 2
California
2 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is SANTANDER BANK, NATIONAL ASSOCIATION's reputation grade? ▼
SANTANDER BANK, NATIONAL ASSOCIATION has a reputation grade of D (score: 58.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if SANTANDER BANK, NATIONAL ASSOCIATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If SANTANDER BANK, NATIONAL ASSOCIATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |