Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Failed to strictly comply with California Civil Code 2983.2 and 2983.3, Illegal repossession and illegal tactics in conducting the loan.

Breach of contract, Illegal loan tactics, and bad faith business practices- Santander Consumer USA , kept taking in payments while not adjusting the account. To expedite an ILLEGAL repossession after an initial predatory loan took place, from XXXX XXXX XXXX XXXX formerly XXXX XXXX 

I have been paying Santander, and they kept me in repo status, I have written emails showing that I asked for written confirmation. THEY YELLED at me. 

After months of them taking my funds and NOT adjusting my total, I sent email after email, and asked what would be the amount to clear it up? All of the sudden it is the FUTURE payment and a past due amount even after I continued to make payments. 

I would make a payment and be getting repossession calls within XXXX hours. Relentlessly, which is harassment. I asked them to stop and it only persisted. 

I still am UNABLE TO log into my account nor have I ever. Unknowing if they ever adjusted the payments at all or just TOOK my money?! 

I have kept all my receipts and documentation. 

XXXX My vehicle was repossessed using unscrupulous illegal practices. 

XXXX 4 DAYS after my vehicle was taken, XXXX ID XXXX, stated she would be sending my personal property notification?! CA LAW states that was supposed to happen within XXXX. 

They keep hanging up on me when I call to get my account online portal to further send through proper communications. And then the same rep stated she reset my password, only to have it NOT be reset. 

For the record and legal purpose. I sent a letter immediately requesting the hault of the sale of MY vehicle. With still no response even from their e-mail line. 

This company conducts predatory lending practices and bad faith legal handling of consumer files to collect the property to then resell it. Harming the consumer illegally, intentionally and with malice. 

I am seeking to REINSTATE my loan and seek to adjust the fees in question. 

Please help, me, as this is a time sensitive matter. Santander Consumer USA is partaking in illegal business practices that are deeply harming the consumers they serve. 

For the record, Alert to BAD FAITH LENDING- The only reason I agreed to purchase this vehicle, was because I was promised/guaranteed a lower interest rate within 4 months of purchasing the vehicle with a refinance, my now husband was present as the XXXX salesman BLANTENTLY LIED in our faces. It has been a nightmare EVER since. I was rammed by 2 questionable individuals, XXXX weeks after purchase in an ( unmarked cargo truck ) immediately lowering the value of the truck to {$13000.00} after a purchase of {$28000.00} with interest {$33000.00} USD! Locking me into this NIGHTMARE! Which is illegal and BAD LENDING practices on the part of the dealership and the lending company. The XXXX has numerous complaints about this tactic. 

I am attaching the letters sent to XXXX XX/XX/2025. 

Please help me get my vehicle back in one piece. Thank you. 

I am seeking to legally stop the sale of my vehicle and start the appropriate XXXX clock, to do so. Breach of contract and CA law- No NOTICE REQUIREMATN or NO LEGAL WRITTEN NOTICE OF REPOSSESION was mailed. 

I spoke to XXXX and she said, I only have XXXX  days until the sale yet had not adhered to the Repossession notification laws or XXXX written notice to sell. 

THIS NOTAIFICATION IS WRITTEN TO REINSTATE my loan and HAULT any SALE.

Company response to consumer: Closed with explanation