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

CFPB complaint data Grade D 1,725 complaints

Santander Consumer USA Holdings Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade D.

Complaints by issue type

What consumers report about Santander Consumer USA Holdings Inc.

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

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 #314

  • VOL 1,725
  • GRADE D
  • 12MO 0
  • STATES 48
  • TIMELY 100%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #103
  • COMPOSE #314

Volume peers

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

Professional Debt Mediation, Inc.Professional Debt Mediation,…1,707Consumer Adjustment Company IncorporatedConsumer Adjustment Company …1,720Santander Consumer USA Holdings Inc. (this)Santander Consumer USA Holdi…1,725Iqor US IncIqor US Inc1,734Absolute Resolutions Corp.Absolute Resolutions Corp.1,754
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 →

How the 1,725 complaints break down

Every complaint issue type on record for Santander Consumer USA Holdings Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.2/100
Santander Consumer USA Holdings Inc.

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
1,725
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
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.

Distributed filing map

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#103 volume
#314 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Holdings Inc. National average
Complaints (last 12 mo)lower is better
0
370
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
21%
13%
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 Consumer USA Holdings Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 80%85%90%95%100%105% 0%10%20%30% Timely response rate (%) Dispute rate (%) Santander Consumer USA Holdings Inc. vs. 9 similar-volume peers, by response speed and dispute rate Santander Consumer USA Holdings Inc.Consumer Adjustment Company IncorporatedIQOR US INCProfessional Debt Mediation, Inc.Absolute Resolutions Corp.CURO Intermediate HoldingsDynamic Recovery Solutions, LLCTekCollect Inc.BTH ManagementCMRE Financial Services, Inc.
Source: CFPB Consumer Complaint Database

Santander Consumer USA Holdings Inc.'s complaint volume in context

Santander Consumer USA Holdings Inc. 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)

1,725 Top 2% higher than 98% 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%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Santander Consumer USA Holdings Inc. 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 ↓
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.

Top states by complaints against Santander Consumer USA Holdings Inc.

Across 48 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 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.