Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XXXX. Move from XXXX to XXXX XXXX remained financed through Santander. XXXX was previously held under XXXX processes. ________________________________________ XXXX. Initiated XXXX XXXX XXXX XXXX Process Date : XX/XX/XXXX Began the process to title and register the vehicle in Maryland. XXXX advised that Santander must send the title to XXXX ________________________________________ XXXX. Contact with Santander Date : Multiple attempts since I began receiving letters from the XXXX as far back as my previous CFPB complaint in XXXX of XXXX Contacted Santander to request they send the title to the XXXX XXXX. Explained interstate transfer and XXXX title requirements. Outcome : Santander did not complete the transmission and did not provide proof of submission or a confirmed processing date. Has said multiple times they have done this but the XXXX still claims to have not received documentation. I am unsure which party is failing to act or receive these documents but intervention is required as my registration will expire approximately XXXX days from now where I will be unable to legally get to work which will cause loss of income which will rapidly lead to homelessness and loss of property. ________________________________________ XXXX. Follow-Up with XXXX I have contracted the out of state title department of the Maryland vehicle administration multiple times since they began sending letters midway through XXXX. Each time they say they have not received these documents and even claimed to have made requests via mail and fax which have not been furnished. ________________________________________ XXXX. Repeated Attempts to Resolve with Santander Multiple follow-ups made with Santander requesting XXXX o Transmission of title to Maryland XXXX o Confirmation of submission date o Confirmation it was sent to the appropriate unit None were provided, no tracking number or certified mail receipts have been furnished either. Outcome : No confirmed action taken by Santander. ________________________________________ XXXX. XXXX XXXX by XXXX Date Notified : Issued XXXX letter received XXXX XXXX flagged my vehicle record due to missing title documentation. XXXX expiration set for XX/XX/XXXX. Without receipt of the title, registration renewal will not be possible causing loss of income due to Lienholder ( XXXX Santander Consumer USA ) is obstructing mandatory state vehicle registration by refusing to provide the Title Maryland XXXX directly to the Out of state titles unit at the XXXX XXXX in XXXX XXXX MD ________________________________________ XXXX. Escalation to State Representative Date : XXXX Contacted the office of XXXX XXXX ( XXXX ). A staff member from his office escalated the matter directly to an XXXX XXXX contact. ________________________________________ XXXX. XXXX XXXX Directly Requested Title from Santander Date : Approximately XXXX An XXXX XXXX formally requested Santander send the title to : o Out-of-State Title Unit o XXXX XXXX, XXXX Result XXXX As XXXX XX/XX/XXXX, Santander has still not XXXX the title. ________________________________________ XXXX XXXX ( As of XX/XX/XXXX ) XXXX is active and in good standing. Maryland XXXX is legally the title record keeper. Santander has failed to comply with the interstate title transfer request. Registration expires in approximately 30 days. State representative office and XXXX liaison have already intervened. Issue remains unresolved due solely to XXXX inaction. ________________________________________ Impact Risk of inability to renew registration. Potential inability to legally operate vehicle. Significant time and stress caused by repeated lender noncompliance. Administrative and financial harm caused by delays outside my control. Loss of legal operation of my vehicle will not allow me to earn income which will directly lead to homelessness and loss of property.

Company response to consumer: Closed with explanation