Consumer complaint received 2022-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
XX/XX/22 My previous complaint ( # XXXX ) against Santander Consumer USA was closed after company responded. The Issue was not ameliorated, instead they continued their unlawful activity and further violated my rights as a consumer in this great corporation. ( United States ) They have yet to provide proper debt verification as I requested after their first correspondence ( debt verification should be signed under perjury by account and notarized and that was not done ) I sent Santander an Affidavit of Truth XXXX clearly stating all FDCPA violations made against me. Unrebutted affidavit stands as truth in commerce which means i am owed {$1000.00} per violation. I sent my invoice at the time for those violations to which they sent the same automated response they have been sending since day one. 
XX/XX/22 Santander changed the reporting to the credit agencies as a charge off ( which is taxable income ) and should not be reporting on my consumer report. 
After writing the alleged debt off as a tax write off ( income ) Santander sent their goons ( all XXXX no decals, also informed me he was carrying a XXXX ) to trespass at XXXX XXXX  to try and steal my vehicle. 
Before he left he also informed me that im not going to win against Santander " they have too much money '' and threatend that they will be back again. 
It feels like im up against the XXXX. 
*******Racketeering Influenced And Corrupt Organizations Act********* XXXX They sent a different tow company XXXX XXXX XXXX XXXX who also said he was carrying a XXXX ) to come and try to steal my vehicle while my wife was home alone with the children. He stated ( we will have it for another 15-20 days then it will be sent to anther tow company.

*******Racketeering Influenced And Corrupt Organizations Act********* IF 12 USC 1431 ( a ) states that " banks shall have power, subject to BORROW and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations '' AND 15 USC 1605 defines Finance Charge as " the sum of all charges '' why does Santander Consumer USA continue to flex their big corporate muscles and intimidate me as the consumer with extortionate measures to collect something that they were already credited for? 

*******Racketeering Influenced And Corrupt Organizations Act********* Page 11-12 on Santanders previous response are the only pages with their names and you can very quickly notice THEY FORGED MY SIGNATURE. 

*******Racketeering Influenced And Corrupt Organizations Act***XXXX I signed a CONSUMER credit contract ( simple finance charge ) with dealership as the seller and myself as the buyer. 
As i stated on my first response to Santander I have no contractual agreement with this 3rd party interloper and they have yet to prove the contrary. 

I have exhausted ALL means outside of the courts. IRS is working on the audit as we speak. This is one last attempt to stay in honor and good faith before I take legal action.

Company response to consumer: Closed with explanation