Vehicle loans and leases
Santander: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 789
- Closed with money back
- 2%
- 2023 to 2025
- 195 to 370
Servicemembers filed 6.5% of Santander's 12,125 complaints in the window, against 2.5% across the directory. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Incorrect information on your report". 2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 195 in 2023 to 370 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 359 |
| Credit reporting or other personal consumer reports | 228 |
| Debt collection | 95 |
| Credit reporting, credit repair services, or other personal consumer reports | 61 |
| Checking or savings account | 23 |
By issue
| Incorrect information on your report | 162 |
| Managing the loan or lease | 129 |
| Improper use of your report | 112 |
| Repossession | 75 |
| Getting a loan or lease | 46 |
| 2023: 195 | 2024: 224 | 2025: 370 |
Which accounts, specifically
| Loan | 365 |
| Credit reporting | 296 |
| Auto debt | 79 |
| Checking account | 33 |
| Lease | 28 |
What went wrong, specifically
| Billing problem | 67 |
| Reporting company used your report improperly | 60 |
| Account information incorrect | 58 |
| Credit inquiries on your report that you don't recognize | 55 |
| Account status incorrect | 50 |
Busiest month: November 2025, with 43 servicemember complaints. Most were submitted by web.
Most complaints came from TX (126), FL (89), CA (56) , then GA, NY, NC.
How Santander answered
| Closed with explanation | 589 | 75% |
| Closed with non-monetary relief | 187 | 24% |
| Closed with monetary relief | 13 | 2% |
Santander responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (42). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Vehicle loan or lease; Repossession. MD, 2024-09-02. Outcome: Closed with explanation. Complaint 9987675
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Vehicle loan or lease; Managing the loan or lease. LA, 2024-09-01. Outcome: Closed with explanation. Complaint 9982279
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Vehicle loan or lease; Incorrect information on your report. TX, 2024-09-01. Outcome: Closed with explanation. Complaint 9981565
If this is your problem at Santander
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Santander & Chrysler Capital Military Benefits: 6% SCRA.
Compare with vehicle loans and leases peers
- Ally Financial 1,023 servicemember complaints; 3% with money back
- Westlake Services 583 servicemember complaints; 0% with money back
- Credit Acceptance 501 servicemember complaints; 8% with money back
- Bridgecrest Acceptance 366 servicemember complaints; 0% with money back
- Exeter Finance 361 servicemember complaints; 0% with money back
Next in the directory by volume: Goldman Sachs Bank (Apple Card), Affirm, Transworld Systems.
Frequently asked questions
How many complaints did servicemembers file against Santander?
789 complaints tagged servicemember were received by the CFPB about SANTANDER HOLDINGS USA, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 195 in 2023 to 370 in 2025.
What do servicemembers complain about most at Santander?
Vehicle loan or lease accounts for 359 of the 789 complaints, and the most common issue is "Incorrect information on your report" (162). Next: "Managing the loan or lease" (129).
Does Santander give money back when a servicemember complains?
2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 187 closed with non-monetary relief and 589 closed with an explanation only. Santander answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.