Consumer complaint received 2021-08-20
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX I was sent by email from the consumer financial protection Bureau that my complaint had a response I checked the complaint and located another forgery/ forged signature of mines on loan documents. I have attached such documents page 6. I confirmed over the phone and by email an employee XXXX XXXX from XXXX sent over an email to me with all the loan documents and page two was not signed until I notified such parties ( XXXX and Chrysler Capital ) of the incomplete loan documents. When I notified Chrysler Capital the company confirmed over the phone and ( I video taped myself calling Chrysler and in fact they did not have my signature on page 2 of the retail installment contract ) the company confirmed that I did not have a signature on page two of the loan documents. However today I notice that page two was signed but its not my signature ( XX/XX/XXXX ) Chrysler Capital/ XXXX XXXX unlawfully forged my name on page two. Please see attached documents Page Two is a forgery and is not my signature. Chrysler Capital response to my complaint attached with page two of the loan document forged. Also the controller signed the document just recently at the end page 5 although the emailed documents sent to me over the internet and the documents in which I picked up did not have a signature of a purported controller signed at the bottom. The emailed documents were sent over to me by Aristocrat incomplete on XXXX XXXX XXXX. See attached email in which XXXX sent. Now the documents were completed and signed/ forged and sent by email to the consumer Financial protection Bureau. The loan company has defrauded me and has worked with the dealership to forge my name on loan documents obligating me to a loan with a 25 % interest rate. Also there is fraud on the title and Chrysler Capital did not do any checks and balance to see if the title was properly transferred from the owner to the dealership. 

Also someone at XXXX XXXX - employee has signed a affidavit of correction for the motor vehicle department in XXXX XXXX under the penalty of perjury who purports to be a XXXX XXXX XXXX who represents XXXX XXXX regarding the sale of the vehicle for the title. The document attached ( Page 2 ) states quote and is handwritten by a purported XXXX XXXX XXXX which states - I, XXXX XXXX XXXX do solemnly swear that I signed in addition to signing my business name on back of title in error. The purported person by the Name XXXX XXXX XXXX then signs his name and prints such a name XXXX XXXX XXXX. I am unable to locate a XXXX XXXX XXXX who has any form of association with XXXX XXXX who could have signed over the title to XXXX. A XXXX XXXX XXXX has never worked or has been an authorized agent of XXXX XXXX that would or could have sold a XXXX XXXX on behalf of XXXX XXXX with the VIN XXXX XXXX  can not produce such person by this legal name with valid identification whom is associated with XXXX XXXX with the exact name of XXXX XXXX XXXX. Attachment Page 3 document is a Kansas Secure Power Of Attorney form which purports to be the transferors name of XXXX XXXX XXXX for the VIN XXXX. This document has a purported signature of a XXXX XXXX XXXX on behalf of XXXX XXXX as authorized agent the form doesn't give XXXX XXXX XXXX Drivers License Number at the top of the page nor the state in which it was issued ; nor does this document give XXXX XXXX XXXX XXXX address. This purported XXXX XXXX XXXX purports to have signed a power of attorney authorizing XXXX XXXX ( XXXX XXXX ) as XXXX on XX/XX/XXXX ( Page 3 ). However the signature of XXXX XXXX XXXX on attachment page 2 and XXXX XXXX XXXX signature on attachment page 3 is drastically different and such a person by the name of XXXX XXXX XXXX doesn't exist nor such a person by the name of XXXX XXXX XXXX have any connections with XXXX XXXX. The name XXXX XXXX XXXX is very specific and such a name is printable on the documents ( Attachment page 3 ) which purports to transfer title of the VIN XXXX to XXXX XXXX on XXXX  although such is of a forgery/ fraudulent. The loan company or the dealership can not provide me with evidence that a XXXX XXXX XXXX exist in which his full name would match the documents of title transfer. It is my understanding that a XXXX XXXX XXXX doesn't exist and that there is no authorized agent by the name of XXXX XXXX XXXX with XXXX XXXX and if in fact it isn't a XXXX XXXX XXXX whom was the authorized agent the purchase of the vehicle is not valid purchase which also means the vehicle was not legally sold to XXXX XXXX on XXXX  which means XXXX did not have ownership not a valid title or legal ownership to have sold the vehicle on XXXX If XXXX XXXX XXXX ( Authorized Agent of XXXX XXXX ) doesn't exist the vehicle was never legally sold to XXXX XXXX on XXXX. XXXX XXXX XXXX would not mis spell his own name on several documents nor make a hand written statement using a purported name of XXXX XXXX XXXX ( Page 2 ). 

Also the Assignment of Title Page 1 and Page 6 is incomplete the buyer missed the step of checking the box for the question Is vehicle subject to a lien yes or no one of the boxes must be checked ; the Seller did not write in the purchase price of the vehicle under the penalty of perjury. 

The Title Documents are incomplete which is dated XXXX I myself have contacted XXXX XXXX and a XXXX XXXX XXXX doesn't exist. I also had an investigator go to the address on the title and the investigator confirmed that no XXXX XXXX XXXX exist which is more forgery and fraud. 
I await your reply.

Company response to consumer: Closed with explanation