Consumer complaint received 2021-11-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX an shady Loan company Chrysler Capital aka Santander Consumer USA coordinated with a shady car dealership in XXXX, Tx and allowed the sale of a car to a person, even after I contacted them to not allowed any transactions in my name.I made it very clear that I do not live in XXXX, Texas, which The shady loan company knew, because of the phone calls and letters they sent to my XXXX, Texas XXXX trying to solicit the XXXX have been the victim of multiple company security breaches since XXXX, and again in XXXX, with letters from the companies to prove it.I have sent XXXX XXXX XXXX XXXX XXXX Santander Consumer USA several forms and documents to prove my claim of fraud.They were to send me forms for fraud and did not send them at all.After which I received a letter from them stating that since the documents I sent didn't prove anything, the claim is valid, even though I never had the chance to send them any forms or documents, until I later contacted Santander Consumer USA directly to try and get to the root of this issue.I was told not to contact local court judge, and ignore any court documents, because they were just formalities in the process, since my claim is to be investigated.To my surprise The judge has ordered a decision in the companies favor, for me to pay {$8600.00} and court costs of {$130.00}, for something that has nothing to do with me at all.It is my fault for not contacting the judge, even though I was told not to worry about anything by representaives.Santander USA has been recently sued by several State attorney general offices for this same type of shady loan practices, involving shady dealerships and getting loans approved for persons that don't qualify for them, or are most likely to default on them.According to online article they are to pay people back for all of the costs, that people are having to endure, as a result of their shady tactics.There are several complaints against this company on the XXXX website with complaints very similar to my own.I should not be going through any of this garbage.I have been a XXXX  man since XXXX, with severe neuropathy issues, along with anxiety issues, and all of this has caused my conditions to become complicated at times.There is no way that I would ever be qualify for a {$24000.00} auto loan.I was even asked by Santander representative if I ever lived at a certain XXXX, Texas address, and have a son that is a junior, to which I stated to him no, I have been in XXXX, Texas since XXXX, and no son of mine has such a name.The representative has my XXXX phone number on file, and has been sending me letters here in XXXX, XXXX, yet can't assess the facts of where I have been living.Just plain ridiculous and insulting to my intelligence.They should have never allowed any of this happen, and now they are trying to make people such as myself into something we're not, in order to help pay for their crimes.I have reported this to Texas Attorney General 's office recently, and the XXXX XXXX XXXX back in XXXX, in which a letter was sent to the dealership about the whole issue threatening to fine, among other things, them if they didn't stop with their shady tactics.I have to find out 4 years later that someone was allowed to purchase the car anyway without my consent.This is unacceptable, and these type of businesses should be closed permanently.

Company response to consumer: Closed with explanation