Consumer complaint received 2025-07-01 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:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, XXXX XXXX ] [ XX/XX/XXXX XXXX Santander Consumer USA Inc . 
Attn : Legal Department XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX * * VIA CERTIFIED MAIL & EMAIL * * * * Re : Demand for Immediate Relief : Illegal Repossession, Violations of UCC, FCRA, TUDCA, TCPA, and State/Federal Consumer Protection Laws Account # XXXX To Whom It May Concern : This letter constitutes a formal demand for immediate redress concerning egregious violations of state and federal law perpetrated by Santander Consumer USA Inc. ( Santander ) and XXXX XXXX XXXX ( XXXX XXXX ) ( collectively, Parties ). Your actions include but are not limited to : * * illegal repossession attempts, deceptive lending, unlawful debt collection, credit reporting violations, and defiance of a cease-and-desist order. * * Failure to resolve these matters within * * 30 days * * will result in litigation seeking * * XXXX XXXXXXXX in damages * * ( detailed below ) and regulatory escalation to the CFPB XXXX Texas Attorney General, and IRS XXXX 

# # # * * I. Timeline of Key Violations * * - XX/XX/XXXX : * * XXXX XXXX executed a bait-and-switch scheme, coercing me into purchasing a vehicle under duress with inflated terms. 
- * * XX/XX/XXXX : * * Santander originated loan with unconscionable 25 % APR ( exceeding Texas 10 % usury cap for non-disclosed rates ). 
- * * XX/XX/XXXX : * * I filed XXXX XXXX XXXX ( # XXXX ) with the XXXX  XXXX XXXX XXXX, establishing perfected security interest. 
- * * XX/XX/XXXX : * * Sent cease-and-desist letter Certified Mail demanding cessation of harassment. 
- * * XX/XX/XXXX : * * Santander CONTINUED repossession threats via text/email ( defying cease-and-desist ). 
- * * XX/XX/XXXX : * * Demanded securitization audit proof ; Santander failed to validate chain of title. 
- * * XX/XX/XXXX : * * Discovered illegal 1099-C filing with IRS ( absent discharge agreement ). 

-- - # # # * * II. Specific Violations & Legal Basis * * # # # # * * A. XXXX XXXX XXXX XXXX Violations ( XXXX. XXXX. & XXXX. XXXX XXXXXXXX ) * * - Santander attempted repossession despite my * * perfected security interest * * ( XXXX on file ). This voids your right to seize collateral. 
- * * Failure to Validate Debt Structure : * * You ignored my demand for securitization audit documents. If the loan was sold to a trust, Santander lacks standing to collect or repossess. 

# # # # * * B. Deceptive Lending & Servicing ( Texas XXXX, CFPB XXXX ) * * - * * XXXX : * * Charging 25 % APR violates XXXX XXXX XXXX XXXX ( 10 % cap ). 
- * * Fraudulent Disclosure : * * Concealed that payments were applied to * * accrued interest only * *, not principal, during forbearance periodsa practice Santander was fined $ XXXX for in XXXX. 
- * * XXXX XXXX  XXXX : * * Forced me into an overpriced vehicle under duress while falsifying income/expense dataa pattern Santander incentivizes. 

# # # # * * XXXX FCRA Violations ( 15 U.S.C. 1681s-2 ) * * Santander and credit bureaus ( Experian, Equifax, TransUnion ) XXXX - Willfully report inaccuracies ( e.g., default status despite active dispute ). 
- Ignored direct disputes, enabling identity theft risks. 
- * Prior Penalty : * CFPB fined Santander $ XXXX for identical violations. 

# # # # * * D. Cease-and-Desist Defiance ( TCPA/FDCPA ) * * - Continued texts/emails after certified cease-and-desist ( 15 U.S.C. 1692c ( c ) ). 
- * * Harassment Intent : * * Threats to repossess despite knowledge of XXXX filing. 

# # # # * * XXXX XXXX XXXX ( 26 U.S.C. 6050P ) * * - Filing a 1099-C without my signature constitutes * * forgery and tax fraud * *, triggering IRS penalties XXXX 

-- - # # # * * III. Pattern of Misconduct & Legal Precedents * * Santanders $ XXXX multistate settlement ( XXXX ) for * * predatory subprime lending * * mirrors this case. Your executives history of setting borrowers up to fail ( e.g., approving loans with 70 % debt-to-income ratios ) is well-documented. The DOJ also sanctioned you for * * XXXX illegal repossessions * * ( $ XXXX penalty ). XXXX XXXX  role in falsifying loan data further implicates you in RICO conspiracy. 

-- - # # # * * IV. Damages Sought * * * Calculations based on statutory caps and prior settlements : * | * * Violation * * | * * Statutory/Actual Damages * * | * * Punitive Damages * * | * * Basis * * | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| | Illegal Repossession ( UCC ) | {$25000.00} | {$100000.00} | Loss of vehicle use, emotional distress | | XXXX ( 25 % APR ) | 3x interest paid + {$10000.00} | {$50000.00} | XXXX. XXXX. Code 305.001 | | FCRA Violations | {$25000.00} | {$75000.00} | 15 U.S.C. 1681n ( willful noncompliance ) | | TCPA/FDCPA Harassment | {$1000.00} per violation | {$150000.00} | Post-cease-and-desist texts/emails ( 15+ instances ) | | Fraudulent 1099-C Filing | {$25000.00} | {$100000.00} | IRS penalties + emotional distress | | Deceptive Trade ( XXXX XXXX ) | {$20000.00} | {$75000.00} | XXXX. XXXX. & XXXX. Code 17.46 ( b ) | | * * TOTAL * * | * * $ XXXX * * | * * $ XXXX * * | | * Total Demand : $ XXXX ( excludes attorney fees and pre-judgment interest ) * -- - # # # * * V. Settlement Demand * * To avoid litigation, Santander and XXXX XXXX MUST within * * 30 days * * : 1. * * Rescind repossession order * * and release all security interests in the vehicle. 
2. * * Delete all negative credit reporting * * ( Santander and bureaus ).

3. * * Retract fraudulent 1099-C * * with written IRS apology .

4. Pay * * {$150000.00} * * via cashiers check as immediate restitution.

5. Provide * * securitization audit documents * * within 10 days.

* * Non-compliance will trigger : * * - Lawsuit in Texas district court ( including RICO claims ). 
- CFPB/DOJ complaints citing Santanders recidivist misconduct. 
- IRS criminal referral for 1099-C fraud. 
- Attorney General escalation ( reference XXXX XXXX XXXX $ XXXX action ). 

-- - * * GOVERN YOURSELF ACCORDINGLY. * * * This letter is admissible per Fed. XXXX XXXX. XXXX. * Sincerely, XXXX XXXX XXXX * * Attachment : * * - XXXX Filing Receipt - Cease-and-Desist Certified Mail Receipt - Harassment Log ( Texts/Emails ) - XXXX Complaint XXXX

Company response to consumer: Closed with non-monetary relief