Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (OH)

I being the consumer, applied for an extension of my credit for auto financing. I applied at XXXX XXXX Ohio on XXXX XXXX and was sent adverse actions letter by Santander Consumer USA. I was told by the dealership that no one accepted me and I was denied all the way around. I received the first letter with a counter offer dated XX/XX/XXXX. When I called the dealership, they told me that their applications go away after XXXX and to come back in to reapply again. I called XXXX XXXX XXXX and explained that I was just now receiving the letter and now it is showing " too late '' in the system. They told me to do a preapproval on their website and to take that to the dealership. I did, I took the preapproval to XXXX XXXX XXXX XXXX XXXX, on XXXX XXXX and was sent an Adverse Action letter dated for XX/XX/XXXX. Another attempt made XXXX XXXX, Went to XXXX XXXX XXXX, XXXX and was sent a counter offer dated for XX/XX/XXXX, outside the allotted days that the dealership keeps their applications on file. On XXXX XXXX, another attempt to get a car from XXXX XXXX XXXX, XXXX and was sent a denial letter dated for XX/XX/XXXX. And the last denial being dated for XX/XX/XXXX, was an application done at XXXX XXXX XXXX XXXX, I have been speaking with so many different reps within the company and no one really knows what is going o when I call expressing my consumer rights. On XX/XX/XXXX, I called, speaking with several different reps, All telling me to just go back to these dealerships to reapply, due to them being outside " 30 days '' as well. I asserted my rights as the consumer, and nothing was done still. XX/XX/XXXX, I called back, reaching the funding department, being transferred over to XXXX XXXX XXXX XXXX and XXXX with XXXX, XXXX ID XXXX. She pulled up all XXXX XXXX my reference numbers and saw that XX/XX/XXXX was a counter offer approval in their system, XXXX was a counter offer in their system, XX/XX/XXXX was an approval in their system, XXXX was a counter offer in their system and XX/XX/XXXX was also a counter offer in their system. But no one could help me with a turning those into XXXX approval letter to take to a dealership for a vehicle. XX/XX/XXXX I called and spoke with another woman in the XXXX office by the name of XXXX, employee ID XXXX. Stated that the consumer laws I mentioned were fraud. Stated that by me mentioning their trust agreements with the XXXX and their reports on the SEC were not valid and also accused me of being apart of a " scam '' with people referencing " coupons and the Treasury '' I informed her that she was being discriminatory and that was not the reasoning of my call. She hung up when I mentioned that I could report them to the XXXX XXXX XXXX XXXX and CFPB, stated that they can not help me. I spoke with another individual by the name of XXXX, employee number XXXX, she stated that the rep who told me that the system showed counter offers or approvals on their end was not supposed to. She stated that XXXX was only supposed to let me know that she located the application and send out another letter with further details. I mentioned to everyone that I was aware of the applications being securities upon transfer, and that according to their trust documents that they re being pooled in an XXXX XXXX  and traded without just compensation for me which is a violation of my XXXX and XXXX amendment rights.