Companies › Bank account or service
Who is complaining aboutSANTANDER BANK, NATIONAL ASSOCIATION?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
0
0 in the 12 months before · 4,274 since 2011
For its size
$104 billion
The assets of its FDIC-insured bank as of 30 Jun 2026. With fewer than 20 complaints in 12 months, no per-size rate is calculated.
The CFPB complaint database holds 4,274 complaints about SANTANDER BANK, NATIONAL ASSOCIATION, received between 12 Dec 2011 and 23 Sep 2022. None arrived in the 12 months to 30 Sep 2026.
The FDIC-insured bank of SANTANDER BANK, NATIONAL ASSOCIATION reported $104 billion in assets as of 30 Jun 2026. Fewer than 20 complaints arrived in the last 12 months, too few for a per-size rate.
33.8% of the complaints on file fall under the CFPB product category “Bank account or service”, followed by “Mortgage” at 26.3%. The issue selected most often was “Account opening, closing, or management” (16.4%).
How the company's responses were recorded across all years: 64.9% closed with an explanation, 0.5% closed with non-monetary relief, 5.5% closed with monetary relief. 94.5% of responses were marked timely.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
Too few companies share this company's main complaint category for a peer median. Nationally, 99.6% of responses were marked timely and 31.6% of closed complaints ended with monetary or non-monetary relief; for this company the figures are 94.5% and 6.8%.
Complaints by month
No complaints about this company were received in the last 24 months; the latest on file is dated 23 Sep 2022.
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Bank account or service1,446 · 33.8%
- Mortgage1,124 · 26.3%
- Checking or savings account1,029 · 24.1%
- Credit reporting, credit repair services, or other personal consumer reports126 · 2.9%
- Credit card or prepaid card114 · 2.7%
- All other categories435 · 10.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Account opening, closing, or management | 702 | 16.4% |
| Managing an account | 652 | 15.3% |
| Deposits and withdrawals | 349 | 8.2% |
| Loan servicing, payments, escrow account | 308 | 7.2% |
| Trouble during payment process | 249 | 5.8% |
| Loan modification,collection,foreclosure | 225 | 5.3% |
| Problems caused by my funds being low | 197 | 4.6% |
| Opening an account | 120 | 2.8% |
| Using a debit or ATM card | 120 | 2.8% |
| Closing an account | 111 | 2.6% |
| Other CFPB issue categories | 1,241 | 29% |
Bank account or service
1,446 complaints since 2011 (33.8% of this company's total). That is 1.7% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Account opening, closing, or management | 702 | 48.5% |
| Deposits and withdrawals | 349 | 24.1% |
| Problems caused by my funds being low | 197 | 13.6% |
| Using a debit or ATM card | 120 | 8.3% |
| Making/receiving payments, sending money | 78 | 5.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 998 | 69% |
| Other bank product/service | 223 | 15.4% |
| (CD) Certificate of deposit | 114 | 7.9% |
| Savings account | 104 | 7.2% |
| Cashing a check without an account | 7 | 0.5% |
Mortgage
1,124 complaints since 2011 (26.3% of this company's total). That is 0.2% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Loan servicing, payments, escrow account | 308 | 27.4% |
| Trouble during payment process | 249 | 22.2% |
| Loan modification,collection,foreclosure | 225 | 20% |
| Struggling to pay mortgage | 81 | 7.2% |
| Applying for a mortgage or refinancing an existing mortgage | 72 | 6.4% |
| Other CFPB issue categories | 189 | 16.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Conventional home mortgage | 297 | 26.4% |
| Other mortgage | 254 | 22.6% |
| Conventional fixed mortgage | 189 | 16.8% |
| Home equity loan or line of credit | 165 | 14.7% |
| Home equity loan or line of credit (HELOC) | 89 | 7.9% |
| Other or no sub-product recorded | 130 | 11.6% |
Checking or savings account
1,029 complaints since 2011 (24.1% of this company's total). That is 0.3% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 652 | 63.4% |
| Opening an account | 120 | 11.7% |
| Closing an account | 111 | 10.8% |
| Problem with a lender or other company charging your account | 92 | 8.9% |
| Problem caused by your funds being low | 47 | 4.6% |
| Other CFPB issue categories | 7 | 0.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 819 | 79.6% |
| Other banking product or service | 114 | 11.1% |
| Savings account | 62 | 6% |
| CD (Certificate of Deposit) | 32 | 3.1% |
| Other or no sub-product recorded | 2 | 0.2% |
Credit reporting, credit repair services, or other personal consumer reports
126 complaints since 2011 (2.9% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 75 | 59.5% |
| Problem with a credit reporting company's investigation into an existing problem | 27 | 21.4% |
| Improper use of your report | 18 | 14.3% |
| Credit monitoring or identity theft protection services | 3 | 2.4% |
| Identity theft protection or other monitoring services | 2 | 1.6% |
| Other CFPB issue categories | 1 | 0.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 122 | 96.8% |
| Other personal consumer report | 4 | 3.2% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation2,773 · 64.9%
- Closed1,160 · 27.1%
- Closed with monetary relief234 · 5.5%
- Closed without relief52 · 1.2%
- All other categories55 · 1.3%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 2,311 | 54.1% |
| No public response category recorded | 1,659 | 38.8% |
| Company chooses not to provide a public response | 303 | 7.1% |
| Company believes complaint caused principally by actions of third party outside the control or direction of the company | 1 | <0.1% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Massachusetts | 1,063 | 24.9% |
| Pennsylvania | 758 | 17.7% |
| New Jersey | 746 | 17.5% |
| New York | 641 | 15% |
| Connecticut | 174 | 4.1% |
| Rhode Island | 167 | 3.9% |
| New Hampshire | 82 | 1.9% |
| Florida | 81 | 1.9% |
| Maryland | 65 | 1.5% |
| California | 61 | 1.4% |
| Delaware | 35 | 0.8% |
| North Carolina | 29 | 0.7% |
Top 12 of 47 states with at least one complaint since 2011. State counts follow population and where the company does business.
Questions and answers
How many complaints has the CFPB received about SANTANDER BANK, NATIONAL ASSOCIATION?
0 in the 12 months to 30 Sep 2026 (0 in the 12 months before that) and 4,274 since 2011. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
The FDIC-insured bank of SANTANDER BANK, NATIONAL ASSOCIATION reported $104 billion in assets as of 30 Jun 2026. Fewer than 20 complaints arrived in the last 12 months, too few for a per-size rate. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
33.8% of complaints on file are filed under “Bank account or service”. The issues selected most often were “Account opening, closing, or management” (16.4%), “Managing an account” (15.3%), “Deposits and withdrawals” (8.2%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does SANTANDER BANK, NATIONAL ASSOCIATION respond to complaints?
64.9% were closed with an explanation, 0.5% with non-monetary relief and 5.5% with monetary relief; 94.5% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: Santander Bank, N.A.. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.