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Data / Consumer complaints / Santander Holdings USA, Inc. / Payday loan, title loan, personal loan, or advance loan

Santander Holdings USA, Inc.: 169 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Santander Holdings USA, Inc. drew 169 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 1.1% of its 15,373 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 99.4% of them, and 9.5% closed with monetary or other relief.

The request: Watch Santander Holdings USA, Inc.: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 169Complaints, last 3 years
  • 1.1%Share of the company's complaints
  • 99.4%Responded on time
  • 9.5%Closed with relief
  • Oct 24, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20266035.5%
12 months to Nov 6, 20257041.4%
12 months to Nov 6, 20243923.1%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect3319.5%
Problem when making payments3319.5%
Problem with the payoff process at the end of the loan3319.5%
Struggling to pay your loan2011.8%
Incorrect information on your report116.5%
Can't contact lender or servicer74.1%
Problem with additional add-on products or services53%
Getting the loan42.4%
Getting a line of credit31.8%
Improper use of your report31.8%
Loan payment wasn't credited to your account31.8%
Vehicle was repossessed or sold the vehicle31.8%
Issues with repayment21.2%
Problem with a company's investigation into an existing problem21.2%
Unexpected fees21.2%
Vehicle was damaged or destroyed the vehicle21.2%
Credit monitoring or identity theft protection services10.6%
Problems receiving the advance10.6%
Received a loan you didn't apply for10.6%

How the company responded

Company responseComplaintsShare
Closed with explanation15289.9%
Closed with non-monetary relief158.9%
Closed with monetary relief10.6%
In progress10.6%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
New York2615.4%
New Jersey2213%
Florida1911.2%
Pennsylvania1710.1%
California127.1%
Texas127.1%
Massachusetts105.9%
Indiana74.1%
Maryland53%
Connecticut42.4%
Ohio42.4%
Rhode Island42.4%
Michigan31.8%
North Carolina31.8%
Georgia21.2%
Illinois21.2%
Minnesota21.2%
Tennessee21.2%
Virginia21.2%
Alabama10.6%
Arizona10.6%
Delaware10.6%
Kentucky10.6%
New Hampshire10.6%
Oklahoma10.6%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
October 21, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerIn progressconsumerfinance.gov
October 7, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with non-monetary reliefconsumerfinance.gov
September 22, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 17, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 15, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 10, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
September 3, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
August 23, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 26, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
July 19, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
July 16, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with non-monetary reliefconsumerfinance.gov
July 6, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 26, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
June 23, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
June 9, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
June 3, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
May 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 27, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
May 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 19, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
May 12, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.