Dear Sr / Madam My name is XXXX XXXX XXXX, I am writing this email to make a formal complaint against Santander Consumer USA and their lending practices. 

Last year i got late on my payment with Santander for {$1700.00}. Santander had sent a towing truck to pick my XXXX XXXX on XX/XX/2017, Before the driver got my car i were able to call Santander and made a payment with my debit card for the amount owed and the payment clear right away. 

After i made the payment the towing driver almost kind force me to give him the keys he said that if i didnt give him the keys he was going to force the car out. At same time i had Santander on the other line to let him know that the account was back in good standing, But he didnt want to talk them on the phone and pull out my car and towed.

The next day i called Santander to pick up the car and got Transferred to the President office and spoke with XXXX XXXX. I spoked with XXXX and told him about how Santander had made it more harder for me. 

At that time i ask Mr PXXXX if a repo was going to show on my Credit Report he say yes and right away i told him that i was going to to make a complaint with the Federal Reserve Banking in Washington DC for the way they towed my car after they got the payment and my car was still in front of the house and he told me not to do the complaint against them and said that when i finished paying off my loan he was going to remove the repo. 

As we speak i have one more payment to go and i called the president office to speak with Mr XXXX now he doe n't return my calls and his coworkers from the same department keep saying tthe they wont be able to removed my repo as i waited for this for a long time as they had the power to do so. I keep calling to speak with someone higher and they said that that's the highest office to speak with. 

Mr / Madam i am asking for your help and have Santander to remove the repo from my credit report as they they said they would. Every event that a im writting in this email took place and if needed this case to be taking to Federal Court i am  willing to testify under Oath or grand Jury including using lie detector on me to show everything i am saying here is the truth. I don't know in the first place why Mr. XXXX XXXX asked me not to complaint to the Federal Reserve if he is not honoring his words. 

Please see below how all this started. 

I got a loan thru Santander and since day 1 i put my loan thru autopay righ away for 3 1/2 years they got their money every month without missing a payment or bein late. 
In one of those month i called the bank before my payment was due and changed my bank account for payments and Santander bank by error the date that the payment was due they try to take out two payments from my bank one from the new account which they received and one from the old account which it did not enough money as the new account was my primary, Because the second they tried get payment bounced from my old account even though they got pay from another account that was already on file with them for automatic payments on the due date for that reason they took me off from autopay for six months.

I call them few times to ask about it and they said because i had a payment bounce i were denial auto pay. I said many times why they tried to take two payments from my bank when my car loan at that time was perfectly fine without ever been late and they offer me n o explanations other than i were not entitle for auto payments, Ever since that day Santander has made my life miserable. Also when my account was in good standing i called Santander to refinance my loan and lower my interest and they keep telling me that they do not refinance their own loans. 
Also here no explanation ( This is the part where they make it much harder for people with high interest loans which in case when i ask to lower my interest my loan was already paid for 3 1/2 years without missing a payment by that time. I call this discriminatory by Santander because they make me stick with their high loan because they might think i dont have a chance with another bank to take the loan on a used car with almost two more years to go.

Plese feel free to contact me anytime if you need further information. 

I would like to thank you in advance for time. 
Best Regards, XXXX XXXX Email.  XXXX XXXX