Consumer complaint received 2022-08-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is engaging in an unlawful repossession of my vehicle. 
XXXX stated there has been a repossession order place on my property which Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. has no lawful authority to do because Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. and has been paid in the form of U.S Funds and U.S. Funds mean Lawful currency of the United States of America which was paper money of the United States or as stated by law 12 U.S. Code 4001 ( 4 ) The term cash means United States coins and currency, including Federal Reserve notes. I do not give Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. consent to come and take my vehicle as of XX/XX/2022 of the law states ownership is by mere possession so Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. actions will be deemed as theft 15 USC 1692d ( 1 ) ( 3 ) ( 4 ) I am demanding the order to be removed. 
Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is also engaging in unfair practices with me. 15 USC 1692f ( 6 ) ( 1 ) Can you state wether or not Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is a Assignee or Purchaser in this contract? 

( 2 ) Can Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. state what without recourse means by law? 

( 3 ) Why does Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. still have possession of both promissory notes if they say they dont accept them? 

( 4 ) Where in my contract does it say Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. doesnt accept promissory notes? 

On the last CFPB complaint I made, Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. mentioned in their response Please note, XXXX does not accept promissory notes as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. These include, but are not limited to, personal checks, bank checks ( certified funds ) or money orders. 31 CFR 596.307 - Monetary instruments -CFPB Moves To Thwart Illegal Auto Repossessions as stated below : Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as : * Illegally seizing cars : Servicers are repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. Given the high level of harm caused by wrongful repossessions, servicers must ensure that every single repossession is valid. 
* Sloppy record keeping : Incorrectly coded records or agents failing to talk to their colleagues about canceling repossession orders hurts consumers and is a violation of federal law. Servicers need to ensure proper communication between them and any third-party processing a repossession. 
* Unreliable balance inquiries : Inaccurate balances can lead to a borrower paying less than a sufficient amount to avoid delinquency, resulting in a repossession. People are also having their vehicles repossessed because their loan payments are processed in a different order than what they had been told. 
* XXXX for personal property : Servicers are still holding personal property found in repossessed vehicles XXXX until the property owner pays a fee, a practice the CFPB has been cracking down on for years The CFPB is closely watching the auto lending market. Auto loans are already the third largest consumer credit market in the United States at over {$1.00} XXXX outstanding, double the amount from ten years ago. 

( 5 ) XXXX also stated that Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. doesnt have to abide by Federal Truth-in-Lending but Chrysler Capital a registered trademark XXXX XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. has to abide by FDCPA. Is that true? 

( XXXX ) Is Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. upholding my states constitution? 

( XXXX ) Is Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. in possession of my financial asset which is considered a security under the Securities Exchange Act? 

( 8 ) Are my billing statements considered debt instruments, which is a form of a fixed asset? Most formally known as a security. 

If Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. gave me a loan, as stated by Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. I would like to see a copy of the check-stub or a copy of the check that was issued to me in the amount of {$20000.00}. 

( XXXX ) Did Chrysler Capital, a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc., defraud me by making an extortionate credit extension and failing to inform me of the true cost of credit that is harming our national economy and by raising the price due to consumer credit and gaining an unlawful benefit? 

( 10 ) Is there a formal agreement between me and Chrysler Capital, a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc.? May I ask does this agreement include a Lender and a Borrow? If so who is the Lender and Borrow?

( 11 ) An prior to the agreement who was to loan what to who? Does the agreement include the terms money, credit, loan, lender, borrow and interest? 

I would like to resolve this matter private and civil. I am handling this in good faith.

Company response to consumer: Closed with explanation