Total CFPB complaints
1,725
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 1,725 complaints
Santander Consumer USA Holdings Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 48 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Santander Consumer USA Holdings Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
627 complaints
- Written notification about debt
Written notification about debt
298 complaints
- False statements or representation 131
False statements or representation
131 complaints
- Disclosure verification of debt 72
Disclosure verification of debt
72 complaints
- Communication tactics 71
Communication tactics
71 complaints
- Took or threatened to take negative or legal action 62
Took or threatened to take negative or legal action
62 complaints
D
Grade D · 55.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Santander Consumer USA Holdings Inc.?
Santander Consumer USA Holdings Inc. has accumulated 1,725 total CFPB complaints across 48 states, with 0 filed in the most recent 12 months against 1,725 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 100% 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 48 states, led by Florida with 246 and Texas with 225, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.3/100 places Santander Consumer USA Holdings Inc. 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
48
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
55.3/100 composite
Response-quality profile
How Santander Consumer USA Holdings Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
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 85.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Santander Consumer USA Holdings Inc. compare to its peers?
Santander Consumer USA… 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)
2020-10 2022-09
Top Consumer Issues
Attempts to collect debt not owed627 (%)
Written notification about debt298 (%)
False statements or representation131 (%)
Disclosure verification of debt72 (%)
Communication tactics71 (%)
Took or threatened to take negative or legal action62 (%)
Cont'd attempts collect debt not owed58 (%)
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 | 237 |
| Written notification about debt | Didn't receive enough information to verify debt | 222 |
| Attempts to collect debt not owed | Debt was result of identity theft | 219 |
| Attempts to collect debt not owed | Debt was paid | 171 |
| False statements or representation | Attempted to collect wrong amount | 131 |
| Written notification about debt | Didn't receive notice of right to dispute | 76 |
| Disclosure verification of debt | Not given enough info to verify debt | 72 |
| Communication tactics | Frequent or repeated calls | 71 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 62 |
| Cont'd attempts collect debt not owed | Debt is not mine | 58 |
Where do complaints against Santander Consumer USA Holdings Inc. come from?
The states where consumers have filed the most CFPB complaints against Santander Consumer USA Holdings Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Santander Consumer USA Holdings Inc.
Across 48 states with at least one filing
- Florida
Florida
246 complaints
- Texas
Texas
225 complaints
- California
California
165 complaints
- Georgia
Georgia
152 complaints
- New York 81
New York
81 complaints
- North Carolina 72
North Carolina
72 complaints
- Illinois 70
Illinois
70 complaints
- Maryland 65
Maryland
65 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Santander Consumer USA Holdings Inc.'s reputation grade? ▼
Santander Consumer USA Holdings Inc. has a reputation grade of D (score: 55.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Santander Consumer USA Holdings Inc. 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 Consumer USA Holdings Inc. 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 |