Consumer complaint received 2021-12-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.

Complaint:
After several months of asking Santander for proof of claim in accordance with 12 CFR 1026.13 billing error, and 16 CFR 433 Santander refused to provide documentary evidence, full disclosure public and private nor validation of a debt owed to the company. Ive made several attempts to make notice of a deceptive and fraudulent contract and now as Santander is aware that I am aware of their fraudulent activity, they now are attempting to seize property federal law states the United States is responsible for, that I use for personal, family and household fully aware they have no certificate of indebtedness. Ive made Santander aware that I never received chattel paper, rights of rescission disclosures under electronic transfer act nor the second copy in hand nor any material disclosures I inquired about. I never received a contract in the mail between the 30 days given for their registered agent to sign to said contract making it binding. Pursuant to my rights under 16 CFR 433.1, 433.2, 433.3 which Santander is in violation of, the company is also providing deceptive forms and misrepresentation 1692. My rights to rescind were still in effect because of the failure to disclose. 
A one sided contract is deceptive. Santander committed bad faith and fraud, Santander forfeited their rights to collect any promise to pay/federal reserve notes by not complying with XXXX CFR XXXX, and illegally collecting FRNs on abandonment of property, illegally attempt to seize over billing error and not acknowledging i gave consideration with my trust account number and signature which created a negotiable instrument illegally securitize. fraudulently forging my signature repeatedly which under federal law is aggravated identity theft, Santander also sold my security without my acknowledgment nor written consent under UCC 1-202. Under UCC 3-603 will you be bringing fraud upon the court with this invalid claim? An Affidavit of lost note no longer applies and under UCC 1-3 there is no lien on property. Notice, any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor hereunder and XXXX XXXX included in the contract. How can you repossess what does not belong to you, 18 USC 8 Obligations of the United States, paid for with a signature. A fraudulently collected down payment with a consumer credit transaction, and you sold my negotiable instruments while committing contract law fraud, UCC, FEDERAL LAW, and IRS fraud. Furthermore a securitized debt is considered a modification which is no longer a debt UCC 1-306d. Unconscionable documents. 
I am the consumer, a natural person asserting my rights of XXXX XXXX XXXX XXXX XXXX XXXXt 1, PUBLIC LAW 10 chapter 48 STAT 11XXXX, PUBLIC LAW XXXX XXXX STAT XXXX, TRADING WITH THE XXXX XXXX XX/XX/1917, and XXXX XXXX PUBLIC LAW XXXX.

Company response to consumer: Closed with explanation