Credit card -- Getting a credit card -- Complaint #16224620
Complaint Overview
Complaint ID: 16224620
Company: Santander Holdings USA, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Virginia
ZIP Code: 23451
Date Received: 2025-09-27T12:00:00-05:00
Date Sent to Company: 2025-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
received a form letter stating they were " unable to validate or process application '', no more explanation was given. I am a Bank client/customer for over 25 years so this reason is invalid. I wrote to a XXXX XXXX ( XXXX ) - who signed the letter - twice, to no reply. my FICOXXXX score is in the Very Good range. I suspect the problem is age bias being shown by the Bank as I am retired and own my home ( no mortgage or loans against it ) as an algorithm is used to process applications.
Frequently Asked Questions
What is Complaint #16224620 about?
Complaint #16224620 was filed against Santander Holdings USA, INC. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-09-27T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Santander Holdings USA, INC.?
Yes, visit the Santander Holdings USA, INC. company profile at readthecomplaint.com/company/santander-holdings-usa-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.