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

The most common issue consumers report about Santander Holdings USA, Inc. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 2,333 complaints filed with the CFPB.

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

Complaints against Santander Holdings USA, Inc. are rising. The company received 1,197 complaints in the last 12 months, indicating an upward trend in consumer issues.

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

Santander Holdings USA, Inc. has a reputation grade of F (score: 45.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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

Santander Holdings USA, Inc. has a 100% timely response rate to CFPB complaints.

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

Santander Holdings USA, Inc. has received CFPB complaints from consumers in 47 states, with the most complaints from Texas (410 complaints).

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

Santander Holdings USA, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade F.

Compiled by PlainCollector

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

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 #4546

VOL 2,333
GRADE F
12MO 1,197
STATES 47
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #76
COMPOSE #4,546

Volume peers

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

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 →

Steady monthly series

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

Volume rank #76 and composite rank #4,546 diverge by 4,470 places on PlainCollector's CFPB-derived corpus maps. 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)
Divergent corpus ranks: #76 volume; #4,546 composite; Cleanest-composite ladder is 4,470 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

1,197

394

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

410
Florida

277
Georgia

213
California

157
North Carolina

125
New York

110
South Carolina

92
Illinois

86

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.