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

CFPB complaint data Grade F 2,333 complaints

Santander Holdings USA, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade F.

Complaints by issue type

What consumers report about Santander Holdings USA, Inc.

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

Data updated September 2026

CFPB complaint disposition

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

Grade F · 2,333 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #76 · compose #483

  • VOL 2,333
  • GRADE F
  • 12MO 1,197
  • STATES 47
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #76
  • COMPOSE #483

Volume peers

Nearest volume peer: Penn Credit Corporation (2,336 complaints)

Credit Corp Solutions Inc.Credit Corp Solutions Inc.2,289Servicer under contract with Federal Student AidServicer under contract with…2,290Santander Holdings USA, Inc. (this)Santander Holdings USA, Inc.…2,333Penn Credit CorporationPenn Credit Corporation2,336Westlake Services, LLCWestlake Services, LLC2,388
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Santander Holdings USA, Inc.'s 2,333 CFPB complaints sit next to Penn Credit Corporation 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 2,333 complaints break down

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

Reputation score breakdown

F
Composite reputation score
45.8/100
Santander Holdings USA, 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
2,333
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 N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

Texas is the plurality state for Santander Holdings USA, Inc. (17.6%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 17.6%
Mid-band (15–30%) · 47 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2025-03 at 7.7% (16 filings)
Corpus ranks
#76 volume
#483 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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

How does SANTANDER HOLDINGS USA, 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 HOLDINGS USA, INC. National average
Complaints (last 12 mo)lower is better
1,197
394
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
16%
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 Holdings USA, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 75%80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Santander Holdings USA, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Penn Credit CorporationCredit Corp Solutions Inc.Westlake Services, LLCRent Recovery SolutionsMRS BPO, LLCWAKEFIELD & ASSOCIATES, INC.Medical Data Systems, Inc.Receivables Performance Management, LLCCREDIT ACCEPTANCE CORPORATION
Source: CFPB Consumer Complaint Database

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

Santander Holdings USA, 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)

2,333 Top 1% higher than 99% 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 Holdings USA, 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)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
915
Took or threatened to take negative or legal action
699
False statements or representation
312
Written notification about debt
289
Communication tactics
90
Electronic communications
18
Threatened to contact someone or share information improperly
10

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

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

Top states by complaints against Santander Holdings USA, Inc.

Across 47 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 Holdings USA, 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: 2,333.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Santander Holdings USA, 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.