Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Supplemental Complaint, Santander  Consumer USA 's Material Misrepresentation to the CFPB, Ongoing Harassment, and Risks to the {$12.00} XXXX XXXX XXXX XXXX To the Consumer Financial Protection Bureau : I am filing this supplemental complaint to update the CFPB on critical new developments in my ongoing dispute with Santander Consumer USA Inc. and to request enforcement action. This filing coordinates with XXXX federal and state agencies and references all prior submissions. 
EXISTING CFPB CASES : XXXX XXXX XXXX XXXX XXXX 
COMPLAINANT : XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. ( XXXX ) XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : Santander Consumer USA Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. 
THE PROOF IS IN THE CFPBS OWN FILES : In response to Case XXXX XXXXXXXX and in a XX/XX/XXXX letter, Santander told the CFPB that the repossession order was closed on XX/XX/XXXX. 
That statement is a material misrepresentation. 
Since XX/XX/XXXX, Santander has sent XXXX documented collection contacts, including : XXXXXXXX XXXX XXXX : Multiple repo and collection threats XX/XX/XXXX : Coerced {$810.00} payment under economic duress XX/XX/XXXX at XXXX XXXX  : XXXX call ( line left open while I was asleep ) XX/XX/XXXX at XXXX XXXX  : Repossession threat email Key Contacts Table : Date Description Days After " Closed '' XX/XX/XXXX XXXX threat text XXXX XX/XX/XXXX Repo assignment email XXXX XX/XX/XXXX Coerced payment XXXX XX/XX/XXXX XXXX open-line call XXXX XX/XX/XXXX XXXX threat email XXXX HARDSHIP CONTEXT : My financial hardship was caused by the bankruptcy of Mosaic ( public record ), not irresponsibility. I was living in my XXXX ( home and mobile office ) XXXX XXXX XXXX XXXX XXXX. Santander denied accommodation, violating the XXXXXXXX XXXX XXXXXXXX settlement terms. The harassment caused stress-related physical symptoms requiring medical attention. 
Attachments : XX/XX/XXXX repo threat email ( XXXX ). 
XX/XX/XXXX CFPB letter ( false " closed '' claim ). 
Full threat logs and call records ( XXXX ). 
XXXX reports showing contradictions. 
Regulatory defiance evidence ( XXXX ). 
XXXX Pre-Suit Notice Intent to Sue ( sent XX/XX/XXXX ; emailed XX/XX/XXXX ; XXXX XXXX XXXX XXXX they have not yet received it ) ( XXXX ). 
CRITICAL NEW DEVELOPMENTS : SEC WHISTLEBLOWER COMPLAINT FILED XXXX XXXX XXXX ( XX/XX/XXXX ). 
{$12.00} XXXX XXXX XXXX XXXX Formal protests filed with the Federal Reserve Board and OCC requesting a stay. Santanders misrepresentations and internal contradictions pose a direct risk to managerial integrity ( 12 U.S.C. 1842 ( c ) ) and should block approval. 
KEY VIOLATIONS : Material misrepresentation to the CFPB ( CFPA 1036 ).

Contradictory credit reporting ( FCRA 1681s-2 ).

Ongoing harassment after legal demand ( FDCPA 1692e ).

Predatory loan structure ( 97 % of payments to interest ).

Economic duress and hardship denial.

Regulatory Defiance and Bad Faith Recidivism Continued collection threats despite charge-off status, showing disregard for prior settlements and internal controls. 
COMPLETE LIST OF REGULATORY FILINGS ( XXXX AGENCIES ) : CFPB ( Cases XXXX XXXXXXXX XXXX XXXXXXXX, and this supplemental ). 
XXXX XXXX  XXXX XXXX XXXXXXXX ) Active. 
Texas Attorney General XXXX XXXX XXXXXXXX ) Active. 
SEC ( XXXXXXXX XXXX XXXXXXXX ) Filed. 
NY Attorney General Filed. 
IL Attorney General ( XXXX XXXXXXXX ) Filed. 
CA Attorney General Filed. 
XXXX XXXX XXXX Filed. 
Federal Reserve Board Merger Protest Filed. 
U.S. Treasury Contacted. 
XXXX Santander XXXX XXXX XXXX Notified. 
XXXX. XXXX XXXX XXXX ( TX ) Congressional casework requested. 
WHAT I AM REQUESTING FROM THE CFPB : Immediate enforcement action on Santanders material misrepresentation to the CFPB. 
Urgent communication of findings to the Federal Reserve Board and XXXX regarding the {$12.00} XXXX XXXX acquisition. 
Coordination with the SEC on XXXXXXXX XXXX XXXXXXXX. 
XXXX Santander to correct contradictory credit reporting. 
Investigation into whether XXXX double recovery practice is systemic. 
All evidence is preserved and available upon request. I declare under penalty of perjury that the foregoing is true and correct. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief