Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Formal Complaint Concerning Illegal Repossession, Breach of Peace, Trespassing, and Unauthorized Disclosure of Personal Information Dear CFPB, I am writing to formally file a complaint regarding an illegal vehicle repossession conducted by XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA in the state of Florida. This repossession, which occurred on XX/XX/year>, violated several state and federal laws, including breaches of peace, trespassing, abusive and deceptive practices, and unauthorized disclosure of my personal information to third parties. 

Illegal Repossession, Breach of Peace, and Trespassing On XX/XX/year>, Par XXXX XXXX repossessed my vehicle by entering private property that did not belong to me as the car owner. This unauthorized entry constitutes trespassing and breach of peace under Florida law. During the repossession, significant damage was caused, including : Damage to the lawn of the private property where the repossession occurred. 
Damage to a cable box located on the property. 
Trespassing onto a neighbors lawn, resulting in additional damage to their lawn. 
The actions of XXXX XXXX XXXX clearly violated XXXX XXXX. XXXX ( XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the taking of property without proper legal authority, such as a court order. Furthermore, the trespassing and damages caused during the repossession highlight a clear breach of peace, which is strictly prohibited under Florida law. 

XXXX and XXXX Practices The repossession also violated 15 U.S.C. 1692 for abusive and deceptive practices. XXXX XXXX XXXX misrepresented their authority and unlawfully seized my property, causing unnecessary distress and financial hardship. 

XXXX XXXX XXXX XXXX XXXX Santander Consumer USA unlawfully disclosed my personal information to Par XXXX XXXX, a non-affiliated third party, without my authorization. This constitutes a violation of 15 U.S.C. 6802 under the XXXX XXXX ( XXXX ), which requires financial institutions to provide written notice to customers about the sharing of personal information with non-affiliated third parties and offer the option to opt out. 

At no point was I provided any documentation or nondisclosure agreement disclosing this sharing of my personal information. This unauthorized disclosure also amounts to identity theft, as my information was used by a company with whom I had no prior business relationship. 

Demands As a resolution to this matter, I respectfully request the following actions : Immediate return of my property at the XXXX XXXX Santander Consumer USA and XXXX XXXX XXXX. The repossession was illegal, and I demand my property be returned promptly without any financial burden on my part. 
Reimbursement for the damages caused to the private property, including the lawn, cable box, and neighbors lawn. 
XXXX XXXX Santander Consumer USA and XXXX XXXX XXXX for the following violations : Violation of 15 U.S.C. 1692f ( 6 ) for conducting an unauthorized and illegal repossession without a court order. 
Violation of 15 U.S.C. 1692 for abusive and deceptive practices during the repossession.

Violation of 15 U.S.C. 6802 for disclosing my personal information to a third party without my consent. 
Accountability for trespassing and breach of peace during the repossession, in accordance with Florida state law. 
XXXX that my personal information will not be shared with any third party without my explicit written consent in the future. 

Supporting Documentation will be provided upon request. 

Photos of the damage caused to the lawn, cable box, and trespassing on neighbors ' property. A trespassing police report is also being filed by the homeowners XXXX of ownership of the property where the repossession occurred. 

This matter has caused significant stress, financial burden, and property damage. I trust that the CFPB will thoroughly investigate these violations to prevent further harm and ensure accountability. 

Thank you for your attention to this matter. I look forward to a swift and just resolution.

Company response to consumer: Closed with non-monetary relief