Companies › Vehicle loan or lease
Who is complaining aboutSantander Consumer USA Holdings Inc.?
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 · 12,455 since 2012
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
The CFPB complaint database holds 12,455 complaints about Santander Consumer USA Holdings Inc., received between 27 Feb 2012 and 30 Sep 2022. None arrived in the 12 months to 30 Sep 2026.
Santander Consumer USA Holdings Inc. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
34.1% of the complaints on file fall under the CFPB product category “Vehicle loan or lease”, followed by “Credit reporting, credit repair services, or other personal consumer reports” at 28.8%. The issue selected most often was “Managing the loan or lease” (23.3%).
How the company's responses were recorded across all years: 92.3% closed with an explanation, 4.9% closed with non-monetary relief, 1.9% closed with monetary relief. 99.9% of responses were marked timely; the median among the 23 companies whose complaints mainly concern “Vehicle loan or lease” is 99.5%.
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
| Measure | This company | Peer median (23 companies) | All complaints nationally |
|---|---|---|---|
| Responses marked timely | 99.9% | 99.5% | 99.6% |
| Closed with monetary or non-monetary relief | 6.8% | 0% | 31.6% |
Peers are the 23 companies on this site whose largest complaint category is Vehicle loan or lease and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone. Response shares for this company cover all years because it received fewer than 20 complaints in the last 12 months.
Complaints by month
No complaints about this company were received in the last 24 months; the latest on file is dated 30 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.
- Vehicle loan or lease4,246 · 34.1%
- Credit reporting, credit repair services, or other personal consumer reports3,586 · 28.8%
- Consumer Loan2,537 · 20.4%
- Debt collection1,725 · 13.8%
- Payday loan, title loan, or personal loan123 · 1%
- All other categories238 · 1.9%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 2,903 | 23.3% |
| Incorrect information on your report | 2,341 | 18.8% |
| Problem with a credit reporting company's investigation into an existing problem | 1,080 | 8.7% |
| Struggling to pay your loan | 998 | 8% |
| Improper use of your report | 781 | 6.3% |
| Problems at the end of the loan or lease | 675 | 5.4% |
| Attempts to collect debt not owed | 664 | 5.3% |
| Problems when you are unable to pay | 575 | 4.6% |
| Getting a loan or lease | 482 | 3.9% |
| Taking out the loan or lease | 367 | 2.9% |
| Other CFPB issue categories | 1,589 | 12.8% |
Vehicle loan or lease
4,246 complaints since 2011 (34.1% of this company's total). That is 4.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 1,440 | 33.9% |
| Struggling to pay your loan | 987 | 23.2% |
| Problems at the end of the loan or lease | 674 | 15.9% |
| Getting a loan or lease | 481 | 11.3% |
| Incorrect information on your report | 426 | 10% |
| Other CFPB issue categories | 238 | 5.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Loan | 3,879 | 91.4% |
| Lease | 362 | 8.5% |
| Title loan | 5 | 0.1% |
Credit reporting, credit repair services, or other personal consumer reports
3,586 complaints since 2011 (28.8% of this company's total). That is 0.2% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 1,898 | 52.9% |
| Problem with a credit reporting company's investigation into an existing problem | 878 | 24.5% |
| Improper use of your report | 749 | 20.9% |
| Credit monitoring or identity theft protection services | 19 | 0.5% |
| Unable to get your credit report or credit score | 18 | 0.5% |
| Other CFPB issue categories | 24 | 0.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 3,545 | 98.9% |
| Other personal consumer report | 24 | 0.7% |
| Credit repair services | 17 | 0.5% |
Consumer Loan
2,537 complaints since 2011 (20.4% of this company's total). That is 8% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 1,463 | 57.7% |
| Problems when you are unable to pay | 575 | 22.7% |
| Taking out the loan or lease | 367 | 14.5% |
| Shopping for a loan or lease | 129 | 5.1% |
| Charged fees or interest I didn't expect | 1 | <0.1% |
| Other CFPB issue categories | 2 | 0.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Vehicle loan | 2,328 | 91.8% |
| Vehicle lease | 139 | 5.5% |
| Installment loan | 66 | 2.6% |
| Personal line of credit | 3 | 0.1% |
| Title loan | 1 | <0.1% |
Debt collection
1,725 complaints since 2011 (13.8% of this company's total). That is 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 664 | 38.5% |
| Written notification about debt | 309 | 17.9% |
| Took or threatened to take negative or legal action | 180 | 10.4% |
| False statements or representation | 149 | 8.6% |
| Communication tactics | 129 | 7.5% |
| Other CFPB issue categories | 294 | 17% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Auto debt | 1,036 | 60.1% |
| Auto | 268 | 15.5% |
| I do not know | 214 | 12.4% |
| Other debt | 87 | 5% |
| Credit card debt | 68 | 3.9% |
| Other or no sub-product recorded | 52 | 3% |
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 explanation11,493 · 92.3%
- Closed with non-monetary relief615 · 4.9%
- Closed with monetary relief235 · 1.9%
- Closed90 · 0.7%
- All other categories22 · 0.2%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Florida | 1,547 | 12.4% |
| Texas | 1,275 | 10.2% |
| California | 1,189 | 9.5% |
| Georgia | 932 | 7.5% |
| New York | 799 | 6.4% |
| Pennsylvania | 457 | 3.7% |
| North Carolina | 453 | 3.6% |
| New Jersey | 451 | 3.6% |
| Illinois | 441 | 3.5% |
| Maryland | 387 | 3.1% |
| Ohio | 310 | 2.5% |
| Virginia | 304 | 2.4% |
Top 12 of 51 states with at least one complaint since 2011. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Vehicle loan or lease, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about Santander Consumer USA Holdings Inc.?
0 in the 12 months to 30 Sep 2026 (0 in the 12 months before that) and 12,455 since 2012. 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?
Santander Consumer USA Holdings Inc. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. 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?
34.1% of complaints on file are filed under “Vehicle loan or lease”. The issues selected most often were “Managing the loan or lease” (23.3%), “Incorrect information on your report” (18.8%), “Problem with a credit reporting company's investigation into an existing problem” (8.7%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does Santander Consumer USA Holdings Inc. respond to complaints?
92.3% were closed with an explanation, 4.9% with non-monetary relief and 1.9% with monetary relief; 99.9% of responses were timely (peer median 99.5%).
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. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. 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.