Total CFPB complaints
1,914
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 1,914 complaints
SANTANDER HOLDINGS USA, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 47 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SANTANDER HOLDINGS USA, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
769 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
451 complaints
- False statements or representation 255
False statements or representation
255 complaints
- Written notification about debt 226
Written notification about debt
226 complaints
- Communication tactics 40
Communication tactics
40 complaints
F
Grade F · 48.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about SANTANDER HOLDINGS USA, INC.?
SANTANDER HOLDINGS USA, INC. has accumulated 1,914 total CFPB complaints across 47 states, with 978 filed in the most recent 12 months against 936 historical complaints before that window. The trailing-12-month volume represents 51.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 47 states, led by Texas with 316 and Florida with 246, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.1/100 places SANTANDER HOLDINGS USA, INC. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
978
51.1% of total history
Rising ↑
States active
47
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
48.1/100 composite
Response-quality profile
How SANTANDER HOLDINGS USA, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 83.9%
Share of US states + territories with at least one filed complaint against this collector.
How does SANTANDER HOLDINGS USA, INC. compare to its peers?
SANTANDER HOLDINGS 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)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action451 (%)
Attempts to collect debt not owed769 (%)
False statements or representation255 (%)
Written notification about debt226 (%)
Communication tactics40 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 392 |
| Attempts to collect debt not owed | Debt is not yours | 356 |
| False statements or representation | Attempted to collect wrong amount | 255 |
| Attempts to collect debt not owed | Debt was result of identity theft | 216 |
| Attempts to collect debt not owed | Debt was paid | 148 |
| Written notification about debt | Didn't receive enough information to verify debt | 133 |
| Written notification about debt | Didn't receive notice of right to dispute | 93 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 59 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 49 |
| Communication tactics | Frequent or repeated calls | 40 |
Where do complaints against SANTANDER HOLDINGS USA, INC. come from?
The states where consumers have filed the most CFPB complaints against SANTANDER HOLDINGS USA, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SANTANDER HOLDINGS USA, INC.
Across 47 states with at least one filing
- Texas
Texas
316 complaints
- Florida
Florida
246 complaints
- Georgia
Georgia
178 complaints
- California
California
132 complaints
- New York 98
New York
98 complaints
- North Carolina 93
North Carolina
93 complaints
- Illinois 71
Illinois
71 complaints
- Pennsylvania 66
Pennsylvania
66 complaints
Frequently Asked Questions
What is the most common complaint against SANTANDER HOLDINGS USA, INC.? ▼
The most common issue consumers report about SANTANDER HOLDINGS USA, INC. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 1,914 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 978 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: 48.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (316 complaints).
What can I do if SANTANDER HOLDINGS USA, 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 HOLDINGS USA, 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 |