Companies › Vehicle loan or lease
Who is complaining aboutSANTANDER HOLDINGS USA, 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
6,574
5,283 in the 12 months before · 17,783 since 2018 · 0.1% of all complaints the CFPB received
For its size
63.2per $1bn in assets
Against $104 billion, the assets of its FDIC-insured bank as of 30 Jun 2026.
Fewer than five peer companies in the same category share this size measure, so no peer median is shown.
In the 12 months to 30 Sep 2026 the CFPB received 6,574 complaints naming SANTANDER HOLDINGS USA, INC., up 24% on the 5,283 of the 12 months before. Since 2018 the total is 17,783.
The FDIC-insured bank of SANTANDER HOLDINGS USA, INC. reported $104 billion in assets as of 30 Jun 2026. Its 6,574 complaints in 12 months work out to 63.2 per $1 billion of those assets. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone.
35.7% of the complaints in that period fall under the CFPB product category “Vehicle loan or lease”, followed by “Credit reporting or other personal consumer reports” at 34.6%. The issue selected most often was “Incorrect information on your report” (22.6%).
How the company's responses were recorded over the 12 months: 64.6% closed with an explanation, 32.9% closed with non-monetary relief, 1% closed with monetary relief, and 1.5% still in progress when the file was published. 100% of responses were marked timely; the median among the 23 companies whose complaints mainly concern “Vehicle loan or lease” is 99.5%.
Among those 23 peer companies the median received 203 complaints in the same 12 months. 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 | SANTANDER HOLDINGS USA, INC. | Peer median (23 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 6,574 | 203 | 6,938,056 |
| Change on the 12 months before | 24% | 23% | 45% |
| Responses marked timely | 100% | 99.5% | 99.6% |
| Closed with monetary or non-monetary relief | 34.4% | 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.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Vehicle loan or lease2,348 · 35.7%
- Credit reporting or other personal consumer reports2,273 · 34.6%
- Debt collection1,147 · 17.4%
- Checking or savings account582 · 8.9%
- Credit card72 · 1.1%
- All other categories152 · 2.3%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 1,489 | 22.6% |
| Managing the loan or lease | 678 | 10.3% |
| Improper use of your report | 584 | 8.9% |
| Repossession | 556 | 8.5% |
| Took or threatened to take negative or legal action | 500 | 7.6% |
| Problems at the end of the loan or lease | 494 | 7.5% |
| Problem with a company's investigation into an existing problem | 492 | 7.5% |
| Managing an account | 409 | 6.2% |
| Attempts to collect debt not owed | 391 | 5.9% |
| Getting a loan or lease | 167 | 2.5% |
| Other CFPB issue categories | 814 | 12.4% |
Vehicle loan or lease
2,348 complaints in the last 12 months (35.7% of this company's total); 1,492 in the 12 months before. That is 9.6% of all complaints in the category nationally. 34.6% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 678 | 28.9% |
| Repossession | 556 | 23.7% |
| Problems at the end of the loan or lease | 494 | 21% |
| Incorrect information on your report | 211 | 9% |
| Getting a loan or lease | 167 | 7.1% |
| Other CFPB issue categories | 242 | 10.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Loan | 2,034 | 86.6% |
| Lease | 314 | 13.4% |
Credit reporting or other personal consumer reports
2,273 complaints in the last 12 months (34.6% of this company's total); 2,364 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 39.3% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 1,264 | 55.6% |
| Improper use of your report | 560 | 24.6% |
| Problem with a company's investigation into an existing problem | 419 | 18.4% |
| Credit monitoring or identity theft protection services | 13 | 0.6% |
| Problem with a company's investigation into an existing issue | 7 | 0.3% |
| Other CFPB issue categories | 10 | 0.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 2,254 | 99.2% |
| Other personal consumer report | 19 | 0.8% |
Debt collection
1,147 complaints in the last 12 months (17.4% of this company's total); 784 in the 12 months before. That is 0.4% of all complaints in the category nationally. 41.7% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 500 | 43.6% |
| Attempts to collect debt not owed | 391 | 34.1% |
| False statements or representation | 113 | 9.9% |
| Written notification about debt | 109 | 9.5% |
| Communication tactics | 23 | 2% |
| Other CFPB issue categories | 11 | 1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| I do not know | 852 | 74.3% |
| Auto debt | 260 | 22.7% |
| Credit card debt | 18 | 1.6% |
| Other debt | 13 | 1.1% |
| Rental debt | 2 | 0.2% |
| Other or no sub-product recorded | 2 | 0.2% |
Checking or savings account
582 complaints in the last 12 months (8.9% of this company's total); 388 in the 12 months before. That is 0.7% of all complaints in the category nationally. 4.3% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 409 | 70.3% |
| Closing an account | 68 | 11.7% |
| Opening an account | 40 | 6.9% |
| Problem with a lender or other company charging your account | 38 | 6.5% |
| Problem caused by your funds being low | 25 | 4.3% |
| Other CFPB issue categories | 2 | 0.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 379 | 65.1% |
| Savings account | 166 | 28.5% |
| Other banking product or service | 25 | 4.3% |
| CD (Certificate of Deposit) | 12 | 2.1% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation4,247 · 64.6%
- Closed with non-monetary relief2,160 · 32.9%
- In progress101 · 1.5%
- Closed with monetary relief65 · 1%
- All other categories1 · <0.1%
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 |
|---|---|---|
| No public response category recorded | 5,860 | 89.1% |
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 714 | 10.9% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 902 | 13.7% |
| Florida | 795 | 12.1% |
| California | 512 | 7.8% |
| Georgia | 449 | 6.8% |
| New York | 436 | 6.6% |
| New Jersey | 320 | 4.9% |
| Pennsylvania | 316 | 4.8% |
| Massachusetts | 256 | 3.9% |
| North Carolina | 255 | 3.9% |
| Illinois | 214 | 3.3% |
| Ohio | 196 | 3% |
| South Carolina | 163 | 2.5% |
Top 12 of 51 states with at least one complaint in the last 12 months. 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 HOLDINGS USA, INC.?
6,574 in the 12 months to 30 Sep 2026 (5,283 in the 12 months before that) and 17,783 since 2018. 324 arrived in the last 30 days and 1,236 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 HOLDINGS USA, INC. reported $104 billion in assets as of 30 Jun 2026. Its 6,574 complaints in 12 months work out to 63.2 per $1 billion of those assets. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone. 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?
35.7% of complaints in the last 12 months are filed under “Vehicle loan or lease”. The issues selected most often were “Incorrect information on your report” (22.6%), “Managing the loan or lease” (10.3%), “Improper use of your report” (8.9%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does SANTANDER HOLDINGS USA, INC. respond to complaints?
64.6% were closed with an explanation, 32.9% with non-monetary relief and 1% with monetary relief; 100% 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. 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.