Consumer complaint received 2026-04-07 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: TX

Complaint narrative:
I am submitting this complaint against Santander Consumer USA Inc. for violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ), as well as related state law violations under the Texas Finance Code. Facts and Background Santander Consumer USA Inc. admitted in writing that prior dispute correspondence submitted by me was not properly forwarded or handled, resulting in a delayed and defective response. Despite this admission, Santander : Continued to report derogatory information to consumer reporting agencies Continued collection activity on the account Failed to conduct a lawful and reasonable reinvestigation Additionally, Santander issued a Notice of Intent to Accelerate and continued repossession-related actions while the account was under dispute and while their internal error remained unresolved. On XX/XX/year>, Santander repossessed the vehicle while my wife was attending a medical appointment in XXXX, Texas. She was left stranded and forced to obtain a rental vehicle to return to XXXX XXXX, Texas. Issues and Violations Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Failure to conduct a reasonable reinvestigation of disputed information Furnishing inaccurate or unverified information to consumer reporting agencies Continuing to report inaccurate information after notice of dispute Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Use of unfair and deceptive collection practices Continuing collection activity without proper validation Misrepresentation of the status of the debt Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Failure to provide clear and accurate disclosures regarding the status of the account and balance XXXX XXXX XXXX XXXX Use of unfair or unconscionable means to collect a debt Misrepresentation of the character, extent, or status of the debt Harm and Damages As a direct result of Santanders conduct, I have suffered : Financial damages, including rental vehicle expenses and transportation costs Emotional distress and hardship Credit reporting harm Supporting Documentation I have attached the following documentation : Santander 's written response admitting internal error Notice of Intent to Accelerate Payment history records Repossession and rental evidence Communication records reflecting continued collection activity Consumer complaint to Texas 's Office of Consumer Credit Commissioner Consumer complaint to Texas 's Office of the Attorney General Santanders conduct reflects a pattern of noncompliance with federal and state consumer protection laws. I request prompt investigation and resolution of this matter. Santander admitted an internal error yet continued collection and repossession actions. This demonstrates willful noncompliance. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation