What is the most common complaint against Santander Consumer USA Holdings Inc.?

The most common issue consumers report about Santander Consumer USA Holdings Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,725 complaints filed with the CFPB.

Are complaints against Santander Consumer USA Holdings Inc. increasing or decreasing?

Complaints against Santander Consumer USA Holdings Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Santander Consumer USA Holdings Inc.'s reputation grade?

Santander Consumer USA Holdings Inc. has a reputation grade of D (score: 52.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Santander Consumer USA Holdings Inc. respond to consumer complaints?

Santander Consumer USA Holdings Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Santander Consumer USA Holdings Inc. operate?

Santander Consumer USA Holdings Inc. has received CFPB complaints from consumers in 48 states, with the most complaints from Florida (246 complaints).

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

Santander Consumer USA Holdings Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

664
Written notification about debt

309
Took or threatened to take negative or legal action

180
False statements or representation

149
Communication tactics

129
Cont'd attempts collect debt not owed

127

Data updated September 2026

CFPB complaint disposition

CCDB record santander-consumer-usa-holdings-inc Santander Consumer USA Holdings Inc.

Grade D · 1,725 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #103 · compose #3851

VOL 1,725
GRADE D
12MO 0
STATES 48
TIMELY 100%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #103
COMPOSE #3,851

Volume peers

Nearest volume peer: Consumer Adjustment Company Incorporated (1,720 complaints)

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

Santander Consumer USA Holdings Inc.'s 1,725 CFPB complaints sit next to Consumer Adjustment Company Incorporated 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 →

Distributed filing map

Santander Consumer USA Holdings Inc. spreads filings across 48 states - Florida leads at only 14.3%

Despite a broad state map, Santander Consumer USA Holdings Inc. still sits volume #103 against composite #3,851 - the two RankMaps diverge by 3,748 places. Corpus placement method.

Most-even geography: Lead state under 15%; Florida still leads at 14.3% across 48 states
Spike month: 2018-11 23.1%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #103 volume; #3,851 composite; Cleanest-composite ladder is 3,748 places worse than volume

How does Santander Consumer USA Holdings Inc. compare to its peers?

How does Santander Consumer USA Holdings Inc. 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 Consumer USA… National average

Complaints (last 12 mo)lower is better

370

268

Timely-response ratehigher is better

100%

98%

91%

Consumer-dispute ratelower is better

21%

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-09 2025-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	664
Written notification about debt	309
Took or threatened to take negative or legal action	180
False statements or representation	149
Communication tactics	129
Cont'd attempts collect debt not owed	127
Disclosure verification of debt	95
Improper contact or sharing of info	33
Taking/threatening an illegal action	20
Threatened to contact someone or share information improperly	19

Where do complaints against Santander Consumer USA Holdings Inc. come from?

Santander Consumer USA Holdings Inc.'s own per-state count, not a national baseline.

Florida

246
Texas

225
California

165
Georgia

152
New York

81
North Carolina

72
Illinois

70
Maryland

65

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Santander Consumer USA Holdings Inc.: 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: 1,725.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.8840579710145%.

4 peers

Know your rights before responding to Santander Consumer USA Holdings Inc.: 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.