Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I've recently contacted Santander regarding their options to help assist consumers during hardships and I was told XXXX of their agents that they can not do anything to assist. I asked are they operating within the XXXX and Federal laws and their agents stated that they operate within Santander policy. To get clarification of their policies in which they are supposed to operate within the Constitution and Federal laws I am requesting the following information : Date : XX/XX/year> To : Santander Consumer USA Inc . 
P.O. XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Challenge of Auto Loan and Demand for Bill Reassignment Under Constitutional and Federal Protections To Whom It May Concern : I am writing to formally challenge the legitimacy, servicing, and continued reporting of the auto loan allegedly associated with my name and personal information, under federal law and constitutional authority. This letter also serves as a demand for immediate bill reassignment or reassessment in accordance with my legal rights. 

XXXX. Violation of Constitutional Rights Under the XXXX and XXXX Amendments to the United States XXXX, I am guaranteed due process before being deprived of property. Any attempt to collect on a debt or enforce contract terms without full disclosure, consent, or opportunity to contest the claim constitutes a violation of these rights. Additionally, under XXXX XXXX, XXXX XXXX, no law or agreement shall impair the obligation of contracts without lawful authority or mutual agreement. 

XXXX. Federal Law Violations I invoke my rights under the following laws : Truth in Lending Act ( TILA ), XXXX XXXX. XXXX et seq. : I request a full and itemized accounting of all finance charges, as defined under XXXX XXXX. XXXX ( i ). I also request all disclosures required at the time of contract initiation, including the promissory note and lending agreement. 

XXXX XXXX Billing Act ( FCBA ), XXXX XXXX. XXXX : I dispute the accuracy and fairness of the billing terms and request immediate investigation and correction of any errors. 

XXXX XXXX ( XXXX ), XXXX XXXX. XXXX : You are required to protect the privacy of my personal and financial information. I demand to know how my information has been shared, sold, or accessed in relation to this account. 

Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( if applicable ) : Any attempt to collect a debt without legal ownership or valid assignment is a deceptive and unfair practice under federal law. 

XXXX. Demand for Bill Reassignment or Reassessment If the originator or assignee of this loan has changed, I demand formal documentation of such reassignment, including the purchase agreement or chain of title demonstrating Santander 's lawful right to collect or service this account. Failure to provide such evidence within XXXX business days will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible civil action. 

XXXX. Demand for Documentation Please provide the following within XXXX business days : Original signed contract or promissory note Complete billing history and accounting Disclosure of all parties who have accessed or serviced this account Proof of reassignment, sale, or securitization of the account GLBA privacy notice and consent disclosures Failure to comply with these lawful requests may constitute willful noncompliance under XXXX XXXX XXXXXXXX and negligent noncompliance under XXXX XXXX. XXXX, both of which allow for damages, attorney fees, and further relief. 

This letter shall serve as formal notice of my dispute and assertion of rights. Please cease all negative reporting and collection activity pending proper verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief