Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
To whom it may concern, I am writing this down in the hope of grasping the last straw. This {$20.00} can be small money but the sender has been swearing and refusing to help me to receive the money for the past three weeks.

I sold my baby 's toy on XX/XX/XXXX, Friday, to a female named XXXX XXXX at {$20.00} ( attached ). 

When we met, she was meeting me and picking up the toy, saying her husband in the car will send the XXXX payment. I checked my number was correctly put through his phone. The money didn't come immediately but I knew sometimes it takes some time for XXXX to transfer, so I happily gave the toy and said I will wait for the payment.

If you could see the text thread, after a couple of days, I started following up with her. She showed me the pending status and proof of transaction through her bank app
( Santander ), but she keeps refusing to inform me of the latest status.

After two weeks, three weeks, I politely reached back to her saying could you call your bank and report this missing {$20.00} so that her bank can file a claim and investigate, so if any technical glitch happened, her bank can refund this money back to her and she can send me the money again. She keeps saying she already did but not showing me any proof of that. 

I called XXXX XXXX XXXXXXXX after two weeks and they see no incoming transfer activity, saying I need to convince her to call her bank and check the status, which is the only way to amicably resolve the situation. Yesterday, I enrolled my number to XXXX from XXXX because I was informed that this will void the pending transaction. I reached out back to her and requested the money, but she keeps saying she sent the money way back and that's all she can do. Now she is swearing me again and seems like blocking me.

I checked my accounts in XXXX and XXXX, but I don't see the money. I'm pretty sure if she really had sent the money, there should have been any technical glitch. Then she could see the money has been refunded back to her and can send the money back, but she claims that Santander already processed the money and she doesn't have it. There's no way I can check whether that's true on my end, neither can XXXX or XXXX. 

This small money can be nothing and doesn't change a life here, but her attitude of stalling and not cooperating, and even swearing me on a baby toy is emotionally disturbing and devastating.

I am fully willing to provide any kinds of documentations or financial records. I was thinking of filing a police report but over {$20.00} that could be too much. I'm trying to find an amicable solution here.

Please see the text thread if you could. I have been politely asking. I haven't overly scam texted. I called her once, like three days after the transaction. Now she's saying I'm harrassing her. She ignores my text for a whole week and never coming back, and when I say I will report this officially and she finally came back to me saying she has nothing to do for me. This is not a civilized
behavior and not understandable.

Thank you so much for your time in advance, and I can be reached out at XXXX or XXXX anytime at your convenience.

I silence unknown callers but I read all the emails so I can avail myself of anytime.

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