Consumer complaint received 2015-09-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX : XXXX XXXX XXXX XXXX Santander Consumer USA XXXX FILE # XXXX $ XXXX XXXX XXXX ; You, XXXX XXXX , and Santander Consumer USA are hereby notified under provisions of Public Law95-109, Section 805-C, the Federal Fair Debt Collection Practices Act, to hereby CEASE AND DESIST inany and all attempts to collect the above alleged debt, to which I am disputing that it is not a valid debt. 
Your failure to do so Will result in charges being filed against you with the State and Federal Regulatoryagencies empowered with enforcement. 
Please be further warned that if Any derogatory information is placed on my credit reports after receiptof this notice, it too, will result in action being taken against you. I have enclosed a copy of a previouscorrespondence to Santander USA regarding the above alleged debt, dated XXXX XXXX, XXXX. 
PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES. 

To : XXXX XXXX XXXX XXXX XXXX, XXXX account : XXXX XXXX # XXXX am receipt of a collection letter from your company, stating that you are attempting to collect a debtfor XXXX. I am responding to your letter and am notifying you that I am disputing thevalidity of this debt of {$13000.00}. 
First and foremost, XXXX XXXX charged off my auto account when I fried Ch.XXXX Bankruptcy XXXX. My auto account was current prior to me filing XXXX, and after XXXXcharged off myaccount as bad debt, they sold the account to Santander USA XXXX. 
Santander USA could not contact me because I was under CH. XXXX Bankruptcy protection, and I wasn'taware that my auto account had been sold until my Ch. XXXX case got dismissed on XXXX/XXXX/XXXX. Nowbefore my case got dismissed, I paid a total of {$1800.00} to the Ch. XXXX XXXX XXXX XXXX. 
After my case was dismissed, Santander Consumer USA contacted my Attorney, XXXX XXXX XXXX XXXX, stating that they are now the owners of the account and requested that Ipay the full balance of the auto finance account of {$25000.00} or they are going to repossess the car. XXXX . 
XXXX asked Santander Consumer USA would they accept four ( 4 ) months of payments that I paidinto the Ch. XXXX Trustee account, and allow me to resume making my monthly payments of {$550.00} permonth. They told him no, they want the {$25.00}, XXXX or the car. I attempted to negotiate with them myself, but to no avail, my attempts were unsuccessful. 
So prior to delivering the car to my attorney 's office for repossession, I had to scramble and find a cheapvehicle to get around in because that was the only car me and my family had. {$0.00} after finding a cheapvehicle, I delivered the vehicle to my attorney 's office for repossession. Santander Consumer USArepossessed the vehicle, a XXXX XXXX XXXX with XXXX miles. 
Now here is the ironic part of the entire situation. XXXXdischarged my account as bad debt while underCH. XXXX, and sold the account to XXXX XXXX XXXX. XXXX repossessed the vehicle after mycase got dismissed on XXXX/XXXX/XXXX, and out of the {$1800.00} I paid into the CH. XXXX Trustee account, XXXX XXXX XXXX was disbursed {$1200.00}, not Santander Consumer USA. 
I have spoken to Santander Consumer regarding this account, which they are the owners and not XXXX. 
They billed me for {$8000.00}, the difference of what the vehicle was auctioned off for. I did respectfully ask Santander Consumer USA to provide me in writing what the was auctioned off for. While speaking with them, I also was offered to settle the account for {$2000.00}. I responded by asking could you provide that offer in writing. Till this day, I have n't received written proof that the vehicle was a

Company response to consumer: Closed with explanation