Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I have checked my credit report. I am appalled to see that I am a victim of fraudulent activity involving a mortgage loan. 
I have been in receipt of a misrepresented instrument - bill of attainder foreign bill of exchange titled a NOTICE OF INTENT TO FORECLOSE SALE dated on XXXX XXXX XXXX which does not bear a name or a signature from the sender, nor is there an identifiable natural person claiming to be the alleged creditor in such instruments, This document showed malicious and fraudulent intent. Most importantly, this instrument is addressed to a fictitious corporate / XXXX XXXX XXXX  XXXX XXXX XXXX ( race : XXXX ) under color of law within purview to the unconstitutional 14th Amendment. 
When I received this instrument, I replied XXXX XXXX XXXX with a NOTICE OF ERROR to : XXXX XXXX ( XXXX ), SANTANDER/XXXX, SANTANDER, SANTANDER CONSUMER USA ( INC. ) , and XXXX XXXXXXXX XXXX XXXX XXXX, ( XXXX ). Within each corresponding document that I mailed to XXXX XXXX ( XXXX ), SANTANDER CONSUMER USA ( INC. ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated that NOTICE TO AGENT IS NOTICE TO PRINCIPAL - NOTICE TO PRINCIPAL IS NOTICE TO AGENT. The paper trail below proves fraudulent activity and that the report I am making is my good faith effort to settle this matter for once and for all. 
On XXXX XXXX XXXX SANTANDER, INC was served process at your present address via United States Postmaster certified mail ( article number XXXX XXXX XXXX XXXX XXXX XXXX ) with the Affidavit of Dispute, the Affidavit of Fact : Adverse Claim of Title and Reversion of Ancestral Estate and Memorandum of Trust ( filed stamped ), and they were given five ( 5 ) days from that date as an opportunity to answer and produce the evidence as a part of the discovery process which proves their claim. Since then, they have failed to answer or validate their claim, which constitutes default. 
On XXXX XXXX XXXX, SANTANDER, INC was served additional process at their present address via United States Postmaster certified mail ( article number XXXX XXXX XXXX XXXX XXXX XXXX and article number XXXX XXXX XXXX XXXX XXXX XXXX ) with the Affidavit of Fact : Notice of Default and the Affidavit of Fact : Notice Error which stands as conclusive evidence of their admission by silence to them being guilty of fraud and swindles under Title 18 USC 1341 and conclusive proof of them having no valid claim, and the alleged debt in the amount of {$140000.00} associated with all three account numbers XXXX, XXXX and XXXX could only be discharged in pursuance of and in reliance on Title 12 USC 95a ( 2 ). See United States v. Throckmorton, 98 U.S. 61, 25 L.Ed. 93 ( Fraud vitiates the most solemn contracts, documents, and even judgments. ) I am a foreign national. I have attached a copy of the social security card, Legal Notice of Name Correction Proclamation Declaration, national identification card, and the United States Department of Justice 1508. Specifically Mentioned Identification Documents- 18 U.S.C. 1028 which validates my provided documentation as a lawful acceptable form of identification. 
For the record, I am XXXX XXXX XXXX XXXX a natural person, in full life, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My nationality / citizenship is XXXX American, being an XXXX and XXXX XXXX apparent and national of the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and authorized representative, ex rel. XXXX XXXX XXXX. All correspondence shall be addressed to me, XXXX XXXX XXXX XXXX and not the fictitious corporate person / XXXX XXXX XXXX  XXXX XXXX XXXX which constitutes fraud. Please correct within your system my name and appellation at once. 
I hold the XXXX title to this land which has no debt. This is a contract that I do not consent to. This fraud stems from the alleged lender ( s ) violating my 5th Amendment rights by not sending me, the natural person, notice. Secondly, I have not received a copy of the original wet-ink contract bearing my signature which means that XXXX XXXX ( XXXX ), SANTANDER/XXXX, SANTANDER, SANTANDER CONSUMER USA ( INC. ) , XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX are not the holder- in-due course of a valid and verifiable Loan Agreement pursuant to the Best Evidence Rule. Thirdly, all bookkeeping, journal entries, and records associated with the alleged loan agreement have not been produced. Fourth, the alleged lenders have not verified the specific specie in the loan agreement that was allegedly lent/ borrowed which must be returned as payment. Most importantly, XXXX XXXX ( XXXX ), SANTANDER/XXXX, SANTANDER, SANTANDER CONSUMER USA ( INC. ) , XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX have not produced evidence of their alleged allodial title or aboriginal title to my inherited ancestral estate in reversion known as XXXX XXXX XXXX XXXX XXXX XXXX which would proves beyond reasonable doubt that they are not the absolute owner of the such estate. See Kolovrat v. Oregon.

Kolovrat v. Oregon, 366 U. S. 187, 194, 81 S.Ct. 922 ( 1961 ) ( A state can not refuse to give foreign nationals their treaty rights because of fear that valid international agreements may possibly not work completely to the satisfaction of state authorities. Under the supremacy clause of the United States Constitution Art. VI, clause 2, state policies as to the rights of aliens to inherit must give way to overriding federal treaties and conflicting arrangements. ) Therefore, pursuant to United States v. Throckmorton, that any and all contracts alleged with XXXX XXXX ( XXXX ), SANTANDER/XXXX, SANTANDER, SANTANDER CONSUMER USA ( INC. ) , XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, as Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX, SUBSTITUTE TRUSTEE ATTORNEY For SUBSTITUTE TRUSTEES is indeed fraud! Because of this fraudulent activity, the alleged debt in the amount of {$140000.00} can only be acquitted and discharged pursuant to Title 12 U.SC. 95a ( 2 ) due to there being no gold and silver coins available in public circulation to lawfully pay any public or private debt. See Article 1, section 10, clause 1 of the Constitution for the United States of North America. No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. 
Also, XXXX XXXX, XXXX XXXX, and XXXX XXXX proceeded with an Alleged FORECLOSURE SALE on XX/XX/XXXX. 
On XX/XX/XXXX a WRIT OF QUO WARRANTO, Adverse Claim of Title and Reversion of Ancestral Estate and Memorandum of Trust was entered into case. On XX/XX/XXXX a DEFAULT JUDGMENT, and WRIT OF ERROR was entered into case. On XX/XX/XXXX a WRIT OF ERROR was entered into the case XXXX. All documents were Filed Stamped into the case and everyone must give full faith and credit. XXXX XXXX XXXX XXXX  was aware of the Affidavits that were entered into their case XXXX before their Alleged Foreclosure. XXXX XXXX XXXX also showed up at the Alleged FORECLOSURE SALE and informed everyone that I am XXXX XXXX XXXX is challenging jurisdiction or authority which can only be adjudicated by an Article 3 Judicial Power. Informed and proved the Feoffers and Investors that I was the heir of my estate. Was able to show and prove the Affidavit of Facts that was filed stamped and entered into the case XXXX. Memorandum of Trust, the Default Judgment which proved failure to produce lack of jurisdiction, which I ORDERED and ADJUDGED for lack of jurisdiction and FRAUD, and a WRIT OF ERROR to prevent continuously proceeding from keep going on. 
XXXX XXXX XXXX XXXX ), SANTANDER, SANTANDER/XXXX , SANTANDER CONSUMER USA ( INC. ) , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, have not responded or stated that any of the above documents that were recorded were in error or malicious intent. Therefore without delay I demand that the associated accounts be deleted from all credit reporting agencies, associates, agents, and affiliates be deleted because this is clearly fraud. I demand without delay a copy of the investigation and compensation for the wrongful dealings in unclean hands and all alleged and assumed authorization of powers to collect on the alleged debt or communicate any reporting about me or my ancestral estate is revoked with all signatures and consent are rescinded. People have been calling me, texting me, sending mail, emailing, gossiping about me, dehumanizing and denationalizing me, coming by my house and taking pictures of my house, throwing documents down in front of my door in the rain, leaving notices on my front door, man standing on sidewalk waiting for me to walk pass when arriving home at XXXX XXXX in the morning. Man asked my name and chased me to my house, and banging on my door, Same man ( this time wearing a badge ) came by my home a couple of days later, banging on my door, taking pictures of my vehicle, which was causing me mentally and physical harm. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Maryland sent mail through XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my inherited ancestral estate known as XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Maryland . All alleged and assumed authorization to collect on the alleged debt and communicate any reporting about me or my ancestral estate is revoked with all signatures and consent rescinded. 
I am a receipt of a misrepresented instrument - bill of attainder foreign bill of exchanged titled a NOTICE OF INTENT FORECLOSURE dated XX/XX/XXXX and XX/XX/XXXX, SANTANDERXXXX received Notice of Error on XX/XX/XXXX and XX/XX/XXXX. I notice this was fraudulently reported on my credit report. They ignored previous demands for critical documentation Per FRE 1002 which is the best evidence rule. They have not provided a certified copy of the original promissory note. Secondly, pursuing to FAS 140 they have not provided a securitization audit. Also, IRS Code 860 all mortgages transferred into a Trust must have proper documentation. This was the purpose for requesting such bookkeeping and accounting records. Therefore, its Unsubstantiated, Null, Ab Initio, and Enforceable. Therefore, This Is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation