Consumer complaint received 2021-11-23
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX Santander was sent a Notice of Demand and Verification of Debt Claim that respondent did not respond as required to. 
On XX/XX/XXXX Santander was sent a XXXX notice and Demand alleged debt notice, that the respondent did not respond as required to. 
On XX/XX/XXXX Santander was sent a XXXX notice of opportunity to cure that the respondent did not respond as required to. 
XX/XX/XXXX Santander was sent a XXXX Notice sworn certificate of default that the respondent did not respond as required to. 
On XX/XX/XXXX, XXXX was sent certificate of non response. 

I am conditionally accepting Santander demand to surrender possession of the XXXX XXXX XXXX XXXX on proof of Claim that Santander is the lender in fact. 
Santander is the holder in due course. 
Santander has not securitized the XXXX XXXX XXXX XXXX Receivables. thereby making it unenforceable. 

After weeks of research pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX et. XXXX, this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the erroneous, purported debt Notice which is unsigned and unattested and which I discharge and canceled in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 

Santander, contract violates the national Bank XXXX of XX/XX/XXXX. XXXX, wherein only lawful money based on personal security XXXX be loaned see also title XXXX & XXXX paragraph XXXX of the XXXX so I am challenging the validity of any alleged debt under Article XXXX & XXXX of the constitution of the united states, in its entirely of any alleged debt under the fair debt Practices Collections XXXX of XXXX XXXX & XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) ( XXXX ) as their alleged Retail Sales Installment Contract violates Public Policy. The above evidence and documentation means Santander documents have been materially altered by endorsement which discharges the drawer and maker under XXXX of the Maryland XXXX XXXX. 

Santander, have refused to answer any of my Notices, thus ending alleged agreement and giving me evidence that you did not follow XXXX. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer any of my notices tells me that Santander acknowledge that I funded the alleged loan and the loan agreement was stolen and forged. thus ending any claim you have against me. 

At this time, I believe Santander is in possession of contraband, forged property that looks like a promissory note/contract with my name on it. 
I now believe I have evidence that the terms and conditions of the alleged agreement are concealed, the promissory note/contract was stolen, forged and/or altered, No good title can pass with a theft. There was no meeting of the minds or mutual assent regarding these questions and Santander have refused to explain the terms and conditions by answering these questions. Therefore, there is no valid agreement.

Company response to consumer: Closed with explanation