Auto lender · complaint record
Santander Holdings USA complaints
Filed under SANTANDER HOLDINGS USA, INC.
Consumers have filed 18,545 complaints about Santander Holdings USA since 2018, 6,568 of them in the last 12 months (+19% on the year before). It answered 100% on time and closed 36% with relief for the customer - more often than a typical auto lender. The most common problem is incorrect information on your report. It is the most complained-about of 193 auto lenders this year.
Strong response record. How it works
- Complaints on record
- 18,545
- Last 12 months
- 6,568
- Answered on time
- 100%
- Closed with relief
- 36%
- Last 30 days
- 337
- Rank
- #1 of 193
Since August 2018
+19% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Nov 13, 2026
Most complained-about auto lenders
Santander Holdings USA complaints by month
The busiest month was March 2026 (695 complaints). Complaints in the last 12 months are up 19% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Santander Holdings USA answered last 12 months
- Closed with monetary relief801.2%
- Closed with non-monetary relief2,21433.7%
- Closed with explanation4,13062.9%
- In progress1442.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers40/4035.7% closed with relief
- Complaint trend8/15+19% vs last year
What Santander Holdings USA complaints are about
Top Santander Holdings USA problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 1,480
- Account status incorrect 1,179
- Information belongs to someone else 1,108
- Old information reappears or never goes away 168
- Information is missing that should be on the report 76
- Personal information incorrect 42
Where Santander Holdings USA complaints come from
Most complaints: Florida (2,240), Texas (2,236), Georgia (1,430), California (1,389), New York (1,311).
Santander Holdings USA compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Santander Holdings USAAuto loans & leases | 93 | 6,568 | A |
| 2 | Westlake FinancialAuto loans & leases | 51 | 4,385 | C |
| 3 | BridgecrestAuto loans & leases | 49 | 2,363 | D |
| 4 | Hyundai Capital AmericaAuto loans & leases | 50 | 1,957 | C |
| 5 | American Credit AcceptanceAuto loans & leases | 51 | 1,335 | C |
| 6 | American Honda FinanceAuto loans & leases | 49 | 1,083 | D |
| 7 | Nissan Motor AcceptanceAuto loans & leases | 30 | 927 | F |
| 8 | Stellantis Financial Services USAuto loans & leases | 90 | 426 | A |
Compare side by side: Santander Holdings USA vs Westlake Financial · Santander Holdings USA vs Bridgecrest · Santander Holdings USA vs Hyundai Capital America · Santander Holdings USA vs American Credit Acceptance
What people say about Santander Holdings USA
All experiencesNo experiences with Santander Holdings USA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Santander Holdings USA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Bank accounts | Closing an accountCan't close your account | In progress |
| Nov 13, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Nov 13, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Nov 12, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Nov 12, 2026 | Bank accounts | Closing an accountCan't close your account | In progress |
| Nov 12, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | In progress |
| Nov 12, 2026 | Bank accounts | Problem caused by your funds being lowNon-sufficient funds and associated fees | In progress |
| Nov 11, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | In progress |
| Nov 11, 2026 | Bank accounts | Closing an accountCompany closed your account | In progress |
| Nov 11, 2026 | Money transfers & apps | Other service problem | In progress |
| Nov 11, 2026 | Credit cards | Unable to get your credit report or credit scoreOther problem getting your report or credit score | In progress |
| Nov 10, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
Questions about Santander Holdings USA
How many complaints does Santander Holdings USA have?
Santander Holdings USA has 18,545 complaints on record since August 2018, including 6,568 in the last 12 months and 337 in the last 30 days. That makes it number 31 of every company by complaints this year.
Does Santander Holdings USA respond to complaints?
Yes. Santander Holdings USA answered 100% of its complaints on time (within 15 days) and closed 36% with relief - money back or a fix; 1.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 93/100 (grade A).
What do people complain about most with Santander Holdings USA?
The most common problems are incorrect information on your report (4,079), managing the loan or lease (1,632), repossession (1,295).
Is Santander Holdings USA legit?
Santander Holdings USA is a real company with a public complaint record: consumers have complained about it 18,545 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Santander Holdings USA legit? for the signals, red flags and how to protect yourself.
Are complaints about Santander Holdings USA going up or down?
Up. There were 6,568 complaints in the last 12 months against 5,502 in the 12 before (+19%). See every month.
How do I file a complaint against Santander Holdings USA?
Complain to Santander Holdings USA in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Santander Holdings USA complaints come from?
Most come from Florida (2,240), Texas (2,236), Georgia (1,430). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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