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.
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- 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.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 60 | 35.5% |
| 12 months to Nov 6, 2025 | 70 | 41.4% |
| 12 months to Nov 6, 2024 | 39 | 23.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 33 | 19.5% |
| Problem when making payments | 33 | 19.5% |
| Problem with the payoff process at the end of the loan | 33 | 19.5% |
| Struggling to pay your loan | 20 | 11.8% |
| Incorrect information on your report | 11 | 6.5% |
| Can't contact lender or servicer | 7 | 4.1% |
| Problem with additional add-on products or services | 5 | 3% |
| Getting the loan | 4 | 2.4% |
| Getting a line of credit | 3 | 1.8% |
| Improper use of your report | 3 | 1.8% |
| Loan payment wasn't credited to your account | 3 | 1.8% |
| Vehicle was repossessed or sold the vehicle | 3 | 1.8% |
| Issues with repayment | 2 | 1.2% |
| Problem with a company's investigation into an existing problem | 2 | 1.2% |
| Unexpected fees | 2 | 1.2% |
| Vehicle was damaged or destroyed the vehicle | 2 | 1.2% |
| Credit monitoring or identity theft protection services | 1 | 0.6% |
| Problems receiving the advance | 1 | 0.6% |
| Received a loan you didn't apply for | 1 | 0.6% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 152 | 89.9% |
| Closed with non-monetary relief | 15 | 8.9% |
| Closed with monetary relief | 1 | 0.6% |
| In progress | 1 | 0.6% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| New York | 26 | 15.4% |
| New Jersey | 22 | 13% |
| Florida | 19 | 11.2% |
| Pennsylvania | 17 | 10.1% |
| California | 12 | 7.1% |
| Texas | 12 | 7.1% |
| Massachusetts | 10 | 5.9% |
| Indiana | 7 | 4.1% |
| Maryland | 5 | 3% |
| Connecticut | 4 | 2.4% |
| Ohio | 4 | 2.4% |
| Rhode Island | 4 | 2.4% |
| Michigan | 3 | 1.8% |
| North Carolina | 3 | 1.8% |
| Georgia | 2 | 1.2% |
| Illinois | 2 | 1.2% |
| Minnesota | 2 | 1.2% |
| Tennessee | 2 | 1.2% |
| Virginia | 2 | 1.2% |
| Alabama | 1 | 0.6% |
| Arizona | 1 | 0.6% |
| Delaware | 1 | 0.6% |
| Kentucky | 1 | 0.6% |
| New Hampshire | 1 | 0.6% |
| Oklahoma | 1 | 0.6% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| October 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | In progress | consumerfinance.gov |
| October 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with non-monetary relief | consumerfinance.gov |
| September 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| September 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| July 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| July 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with non-monetary relief | consumerfinance.gov |
| July 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| June 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| June 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| June 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| May 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| May 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| May 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- All Santander Holdings USA, Inc. complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
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.