Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint against Santander Bank regarding their failure to validate an alleged deficiency balance of {$7600.00} on auto loan account XXXX, and their continued reporting of this unverified debt to the credit bureaus. TIMELINE OF EVENTS : XX/XX/year> : Santander charged off the account, claiming a deficiency balance of {$7600.00} following vehicle repossession and auction sale. XX/XX/year> : I sent a formal debt validation letter to Santander via USPS Certified Mail, Return Receipt Requested ( tracking number XXXX ), requesting the original loan agreement, all repossession documentation, pre-sale and post-sale notices with proof of mailing, auction/sale documentation, and an itemized deficiency balance breakdown. XX/XX/year> : USPS records confirm the letter was picked up at the post office by Santander. XX/XX/year> : Santander 's only response was a form settlement offer letter proposing settlement of {$3000.00}. No validation documentation was provided. No original loan agreement, no repossession records, no pre-sale or post-sale notices, no auction records, and no itemized deficiency breakdown. XX/XX/year> : The 30-day response period expired with no validation received. XX/XX/year> : I sent a second letter via USPS Certified Mail documenting Santander 's failure to validate, citing the FDCPA ( 15 U.S.C. 1692g ) and Texas Business & Commerce Code 9.626, demanding they cease collection and delete all negative credit reporting. VIOLATIONS : 1. Santander failed to validate the debt within 30 days of my written request, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 2. Santander continues to report this unverified tradeline to the credit bureaus despite failing to validate the debt, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate information. 3. Under Texas Business & Commerce Code 9.626, Santander 's failure to provide documentation of commercially reasonable disposition of the repossessed vehicle creates a rebuttable presumption that the collateral was worth at least the full amount of the secured obligation meaning the presumed deficiency is {$0.00}. 4. The vehicle was repossessed during a period of extended hospitalization. I have serious concerns about whether proper pre-sale notification was sent to my correct address and whether I had any reasonable opportunity to exercise my rights under Texas Business & Commerce Code 9.611-9.614. REQUESTED RESOLUTION : 1. Santander must cease all collection activity on this account. 2. Santander must request deletion of all negative reporting associated with this account from XXXX XXXX XXXX XXXX. 3. Santander must withdraw the claimed deficiency balance of {$7600.00}. 4. Santander must confirm in writing that this account has been closed with a zero balance. I have copies of all certified mail receipts, USPS tracking confirmation, and Santander 's settlement offer letter available as supporting documentation.

Company response to consumer: Closed with non-monetary relief