Consumer complaint received 2023-05-21
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from my previous employer, XXXX XXXXXXXX XXXX I agreed to a 2.37 % interest rate for 4 years at {$660.00} a month. The cash price of the vehicle was {$19000.00} and I put a total of {$1000.00} down, {$500.00} cash, and {$500.00} trade-in value from my XXXX XXXX XXXX. After completing the transaction and filing out the loan application paperwork I continued my work for the day as usual and went about my day thinking I made a great deal. I was told I would be handed the copies of any paperwork by the end of the day and then I thought maybe by tomorrow, then maybe next week and then I was terminated on XX/XX/XXXX. I had asked numerous times for my paperwork and I was never given it. I attempted to call both XXXX and XXXX after my termination but never got a response until my tags came in which I went to go pick up as the were closing one day in XXXX. I received an envelope with my tag and what I thought was all the paperwork I had requested numerous times before but, when I got home and opened it there was just my tag and registration along with a service package placard that I didnt request but was charged for. STILL, no loan paperwork. I called Santander on XX/XX/XXXX and asked if they could provide any of the documents that they may have received from XXXX XXXXXXXX. I got an email that day from XXXX XXXX XXXX '' with the contract with the FORGED signature. XXXX XXXX only sent one document which was sent from XXXX. I have no idea who XXXX XXXX even is. I never would have agreed to pay over {$47000.00} which included the interest for an economy car worth {$20000.00}. 
I stopped making payments in XXXX of XXXX because I wasn't getting my debt validated. After I got the contract from XXXX XXXX XXXX '' on XX/XX/XXXX that I could never get from University XXXX I opened up a dispute with XXXX on XX/XX/XXXX as this is NOT my signature on this contract. I opened up a dispute with XXXX and XXXX on XX/XX/XXXX. I have all the proof that is needed to prove that this signature is not mine. Today, XX/XX/XXXX when I woke up my car was missing. I suspect but don't know for a fact, that my car was repossessed. I called the XXXX XXXX Police Department. An officer came out and said this is a civil matter and they couldn't help me. I have sent an email today to the XXXX email address that sent me the contract to let them know it was missing and all of my ID 's, passport, cash, credit cards, personal information and parts for customer vehicles was in there. I asked in the email if they in fact did pick it up, where is it? I have had to cancel credit cards, order a new drivers license, order a " lost '' passport and spent numerous hours doing so. Despite me reaching out to try to get this debt validated. I have never received a debt validation letter. Just an emailed contract with a FORGED signature on XX/XX/XXXX from XXXX XXXX XXXX '' who ever they are. The signature on that contract from XXXX XXXXXXXX is XXXX XXXX the secretary/treasurer at XXXX XXXX XXXX I have attached to this complaint all documentation supporting my claim.

Company response to consumer: Closed with explanation