Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Vehicle Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date of Repossession : XX/XX/XXXX Repossession Company : XXXX XXXX XXXX XXXX XXXX : Santander Consumer USA Details of the Complaint : 1. Failure to Provide Required Loan Documentation ( XX/XX/XXXX ) In XX/XX/XXXX, I had a phone conversation with Santander Consumer USA and formally requested : A copy of the original contract for my auto loan. 
A full payment history for the loan. 
Santander failed to provide these documents and instead sent me a generic fact sheet about their data-sharing policies and payment correspondence addresses. 
Under the Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR Part 1026 ) : Consumers have a legal right to receive copies of their loan agreements upon request.

Under Section 1026.36 ( c ) of Regulation Z, creditors must provide a payment history, especially if requested within 60 days of delinquency notification. 
XXXXantanders refusal to provide these records suggests they either lack legal documentation of ownership or are willfully violating federal disclosure laws.

2. Wrongful Repossession & Lack of Notice ( XX/XX/XXXX ) Without responding to my requests or proving ownership of the loan, Santander sent a tow company to repossess my vehicle on XX/XX/XXXX. 
I never received a written notice of default or a right to cure letter, which are required by both state and federal laws before repossession. 
15 U.S.C. 1692f prohibits debt collectors from engaging in unfair practices, including taking non-judicial action to seize property without legal authority. Santander also violated my rights in regard to my privileged identity.

Unauthorized disclosure of my personal information to the towing company without my consent violates 15 U.S.C. 6802 ( b ), which prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties without providing the consumer with notice and an opportunity to opt out. 
Because Santander did not validate my responsibility to the debt, did not give me written notice of intent to repossess, nor was a judicial action awarded giving them authority to do so- the repossession is illegal and a violation of consumer rights. I sent both companies letters informing them of the applicable laws that they violated and requested the immediate return of my vehicle I have copies of the documents I sent to these companies via certified mail that I will provide upon request. 
3. Missouri Attorney Generals Involvement ( XX/XX/XXXX ) I filed a formal complaint with the Missouri Attorney General 's Consumer Protection Unit on XX/XX/XXXX. 
The XXXX 's office sent a letter to Santander, informing them of the investigation and advising them to resolve the matter. 
I was instructed to give Santander 30 days to respond and address the violations. 
XXXX. Santanders Intent to Sell My Vehicle Despite Open Dispute ( XX/XX/XXXX ) On XX/XX/XXXX, I received a letter from Santander stating they intend to sell my vehicle on or after XX/XX/XXXX. 
They are ignoring the Attorney General 's oversight and proceeding with the sale despite failing to validate the debt or their legal right to repossess the vehicle. 
Selling the vehicle under these conditions would be an act of conversion and consumer fraud. 
Consumer Harm : I have been wrongfully deprived of my vehicle without legal justification. 
Santanders actions have caused financial losses, including rental car expenses and lost wages. 
Their illegal actions have caused damage to my credit score and emotional distress.

Requested Resolution : Immediate halt of the vehicle sale and return of my vehicle. 
Compliance with TILA and Regulation Z by providing my loan contract and payment history. 
Compensation for financial damages, including rental costs, lost wages, and emotional distress. 
FTC investigation into Santander 's unlawful repossession practices to prevent similar consumer harm. 
Santander is blatantly disregarding federal consumer protection laws, and I urge the FTC to intervene before my vehicle is unlawfully sold.

Company response to consumer: Closed with explanation