Consumer complaint received 2021-08-13
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
ATTN : Complaint Department CFO. contract is null and void due to fraud, deceptive unfair debt collection practices Pursuant to The Congress. During a consumer credit transaction with Santander Consumer USA, I signed a contract not knowing the damages and debt that I would be faced with it. I am going through a XXXX XXXX crisis and problems due to the unfair deceptive practices. I have sent in an affidavit of fact. I removed the cease and desist by giving consent for Santander to contact me about the matter. Their were no proper procedure taken and I still have a fraudulent loan and which I need this matter to be investigated. Santander has been in so many class action law suits for this same thing. I was never aware that I was signing an application with Santander. I was surrounded with a group of XXXX car salesmen pressuring me into taking the car that I didn't want. I expressed that several times that if I the amount of monthly payments were high I didn't want the vehicle. I was forced and bullied into the deal of purchasing the vehicle. The finance manager never gave me the opportunity to read the contracts thoroughly and expressing that he had to go and was rushing me and deliberately bribing me into speeding up the process. I never given a form of rescission nor Truth in Lending Pursuant to FDCPA & Truth in Lending. No one barely went over the contract. When I finally came to a realization I looked at the contract and as I read I noticed that the back of the contract shows that I have given security interest to Santander to XXXX. The day of the consumer credit transaction, I was confused pressured and frustrated. I have exercised my rights as a natural person and a consumer. This matter have seems to escalate without receiving the proper investigation. I have the right to a fair trial and if I am not dismissed from this loan due to the fact that I was forced into a consumer credit transaction with the XXXX car salesman bribing me that I could purchase the vehicle and come back a year later and switch up my vehicle those are unprofessional tactics. Along with the consumer credit transaction I filled out a deceptive form that was filled with words that I didn't comprehend and as I asked I was told don't worry about it just sign. I am allowing 5 calendar days for this matter to be resolved. If you look on the monthly payment {$510.00} the character amount is incorrect and I am not obligated to pay an alleged debt Pursuant to FDCPA. I was contacted by Santander through telegram, email, via mail, reading that I had an amount due where there is no where in The Congress law that says I have to pay an alleged debt. You have no right to send me any sort of mail with a letter to pay a bill. I am notifying you that I refuse to pay a an alleged debt that I am not obligated to pay and that's a fact Pursuant to FDCPA, FCRA. It is a violation Pursuant to FDCPA not to send me any mail with a companies logo listed. I have received more than 12 months worth of monthly bills which is in fact violations Pursuant to The Congress. Unfair debt collection practice trying to collect money for a loan that I created. Pursuant to 1933 banking ACT, banks aren't allowed to extend any financial products or money. I am the original creditor I extended the loan, and I am the only one which is the natural person that can create a debt. I was forced to provide my personal information into being defrauded into an unfair deceptive transaction. I would like to know who provided that loan? How were you able to come up with the finance charges? How were you able to come up with a loan? Did you use my trust account open end credit account to then act as if you provided a loan and I am in fact the original creditor? I would love some explanations. You acted as if you were the loan provider no way you're a debtor, crooked. I am invoking remedies and I am enforcing instructions. The loan is fraudulent and is null and void due to the violations of unfair debt collection practices, fraud, using deceptive forms. I will proceed onto a civil complaint and file a law suit in XXXX XXXX XXXX Federal Court.

Company response to consumer: Closed with explanation