Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
There is a clear and undeniable discrepancy between my authentic legal signature and the signature that appears on the XXXX XXXX XXXX agreement. The forged signature used on the finance contract does not match my verified signature in any way, and the documents were allegedly signed only one day apart, which makes the inconsistency even more evident and impossible to ignore. 
1. Dealership Contract My Authentic Signature The signature on the dealership contract for the XXXX XXXX XXXX is my genuine, legal signature. This signature matches all of my other verified documents and identification records. This is the signature I consistently use and the signature that physically belongs to me. 
2. Finance Agreement Forged Signature The signature on the finance agreement is not mine. It is visibly different in formation, slant, style, and structure. It does not match the dealership signature from the day before, nor does it match any legally established signature of mine. The forged signature also incorrectly spells or shapes my name, which further confirms that I did not sign or authorize this contract. 
3. XXXX XXXX XXXX XXXX Legal Signature on File I provided an older, verified contract for my XXXX XXXX XXXX, which contains my confirmed legal signature. This document serves as an additional point of comparison and proves that my signature has always been consistent across all legitimate contracts I have personally signed. 
4. Undeniable Evidence of Fraud With three documents available for comparison my real signature on the dealership contract, my real signature on the XXXX contract, and the forged signature on the finance agreement the discrepancy is unmistakable. The signatures are not remotely similar. No reasonable review could conclude they were written by the same person. 
5. Legal Impact Under contract law, a contract bearing a forged signature is void and unenforceable, because a person can not be held financially liable for an agreement they did not lawfully sign or authorize. Since the finance agreement contains a fraudulent signature and no audit trail proving I ever received or signed anything, I can not be legally held responsible for the loan, the payments, the insurance, or any liabilities connected to the forged document. 
6. Santanders Failure to Investigate Despite the evidence I providedincluding multiple documents clearly showing the forgerySantander did not properly review or investigate my claim. I made repeated complaints, sent faxes, and supplied all proof, yet no one contacted me with information, updates, or next steps. Instead, I was transferred repeatedly, given inconsistent answers, and left with a fraudulent contract still tied to my name. 

All evidence supports the conclusion that I did not sign the XXXXXXXX XXXX XXXX contract. Therefore, I can not be held liable for a fraudulent agreement containing a forged signature.

Company response to consumer: Closed with explanation