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

Data updated July 2026

D

Grade D · 58.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Santander Bank, National Association ranks ahead of 38% of the 5,283 collectors PlainCollector grades - 62% keep a cleaner CFPB record, on 80 all-time complaints and a 93% timely-response rate.

38th pct
reputation rank of 5,283 graded collectors
80
CFPB complaints, all-time
93%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 93% timely-response rate against a 21% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by Massachusetts with 22 and Pennsylvania with 14. Normalized against the full CFPB collector database, the reputation score of 58.8/100 places Santander Bank, National Association in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

80

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

16

regional footprint

Timely response rate

93%

good band

Consumer disputes

21%

elevated (vertical avg ~19%)

Reputation grade

D

58.8/100 composite

How does Santander Bank, National Association's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 38th percentile higher than 38% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Santander Bank, National Association versus the debt-collection vertical average.

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) 21.2%
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?

How does SANTANDER BANK, NATIONAL ASSOCIATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
SANTANDER BANK, NATION… 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.

Complaint Trend (24 months)

2020-02 2024-09

Issue Detail Breakdown

Issue Sub-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

What to do if Santander Bank, National Association contacts you

A grade of D signals how Santander Bank, National Association's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Santander Bank, National Association and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Santander Bank, National Association ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 58.8/100), 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).

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

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.