Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
Formal Complaint Against XXXX XXXX for Wrongful Repossession, Fraudulent Payment Misrepresentation, and Consumer Rights Violations Summary of Issue XXXX XXXX wrongfully repossessed my vehicle despite full payment, violating Minnesota and federal consumer protection laws. They falsely claimed that my properly tendered payment was not a valid form of payment, while simultaneously keeping the funds without refunding themwhich constitutes fraudulent misrepresentation and unjust enrichment. Additionally, XXXX XXXX misled the CFPB by falsely claiming pending litigation to avoid responding to my initial complaint, obstructing resolution of a clear consumer rights violation. Given their documented history of deceptive repossession and financial misconduct, this matter aligns with a pattern of consumer abuse requiring immediate federal intervention. 

Background Facts & Evidence 1. Lease Agreement Details On XX/XX/XXXX, I entered into a lease for a XXXX XXXX XXXX XXXX ( XXXX : XXXX ). 

2. Full Payoff & Overpayment On XX/XX/XXXX, I tendered {$51000.00}, which exceeded the payoff amount by {$10000.00}, providing additional value and consideration. 

This payment was notarized and registered with the Minnesota Secretary of State, establishing indisputable legal proof of settlement. 

3. XXXX XXXX Fraudulent Payment Misrepresentation XXXX XXXX accepted the payment but later falsely claimed it was not a valid form of payment, despite retaining the funds and failing to issue a refund. 

This intentional misrepresentation violates contract law, consumer fraud statutes, and federal debt collection regulations. 

4. Repossession Despite Confirmed Removal from Repo List On XX/XX/XXXX, XXXX XXXX accepted an additional payment to remove my vehicle from the repossession list, confirmed by their agent. 

No new repossession notice was sent, yet XXXX XXXX wrongfully repossessed the vehicle anyway, violating Minnesotas title-based security interest laws. 

5. False Litigation Claim to CFPB XXXX XXXX falsely stated that litigation was pending, preventing proper investigation into my CFPB complaint. 

In reality, I had only filed a Notice of Intent to Sue, which is not an active lawsuit. 

Their false claim obstructed consumer complaint resolution. 

6. Failure to Release Title After Payment XXXX XXXX failed to release the vehicle title, despite full payment and confirmed removal from the repo list. 

Minn. Stat. 168A.17 explicitly states that security interests in vehicles must be perfected through the title itself, not UCC filings. 

Since XXXX XXXX did not properly record a lien on the title, their repossession of my vehicle was legally invalid. 

7. Unjust Credit Reporting XXXX  wrongfully reported my account as a charge-off, despite receiving full payment, violating Fair Credit Reporting Act ( FCRA ) protections. 

Legal Violations Committed by Chrysler Capital Minnesota State Law Violations Minn. Stat. 168A.17 Security Interest Perfection Through Title XXXX XXXX did not perfect a lien through the title, meaning they had no legal standing to repossess the vehicle. 

Their failure to comply with Minnesotas title-based security interest laws makes the repossession invalid. 

Minn. Stat. 336.9-609 Illegal Repossession Without Notice XXXX XXXX failed to provide proper repossession notice before seizing my vehicle. 

Minn. Stat. 325D.44 Deceptive Trade Practices Act XXXX XXXX misrepresented litigation status to obstruct consumer rights resolution. 

Their false denial of payment validity, while retaining funds, is a deceptive trade practice. 

Minn. Stat. 336.3-310 ( b ) Discharge of Payment Obligation My properly notarized, state-registered payment legally discharged all obligationsrepossession was unlawful. 

Federal Law Violations Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692f ) XXXX XXXX used deceptive means to repossess the vehicle despite full payment and confirmed removal from repo status. 

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) XXXX XXXX wrongfully reported a charge-off, damaging my credit score despite full payment. 

Truth in Lending Act ( TILA, 15 U.S.C. 1637 ( b ) ) XXXX XXXX failed to provide periodic statements and falsely claimed I opted into electronic payments. 

Dodd-Frank Act Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) False litigation claims and repossession misconduct violate UDAAP consumer protection laws. 

Formal Demands To resolve this matter, XXXX XXXX must take the following actions within 15 calendar days of submission : Immediate Release of the Vehicle Title XXXX XXXX must comply with Minn. Stat. 168A.17 and transfer ownership without delay. 

Return of the Illegally Repossessed Vehicle Within Five ( 5 ) Days XXXX XXXX must return my XXXX XXXX XXXX XXXX immediately, or face legal consequences for wrongful repossession and unlawful conversion. 

Restitution for Financial Harm XXXX XXXX must refund the full amount tendered, as they wrongfully retained the total sum under fraudulent circumstances. 

Request for Attorney Fees and Compensation for Damages Due to XXXX XXXX  deceptive trade practices, wrongful repossession, and obstruction of complaint resolution, I am seeking full reimbursement for legal fees and punitive damages. 

Correction of Fraudulent Credit Reporting XXXX  must remove the wrongful charge-off designation and provide proof of correction to credit bureaus.

Company response to consumer: Closed with non-monetary relief