Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I owned a XXXX XXXX XXXX XXXX that I had financed through XXXX XXXX the vehicle was the perfect vehicle however my family was afraid that it was too big for me after 2 years and me getting older so I went to a car dealership in XXXX Pennsylvania and traded it for a XXXX the XXXX had so many problems within the first week they had to take it and give me a loaner well then on the weekend of the XXXX of XXXX of XXXX they said that I needed to return it and they would get me a different vehicle I returned the vehicle and told them to just give me my trade in back and they refused said they already had a buyer for it I said well you better put me in something then today because I'm not going to be without a vehicle they had a brand new XXXX XXXX XXXX classic that they said they could put me in and just transfer out the title with XXXX XXXX reluctantly I said okay they took me in their office and said we don't know the exact terms yet but if you sign here we will get it all fixed up same payment same interest I'm on a fixed income of Social Security XXXX and I took them at their word I left with the XXXX classic pickup truck drove it 50 miles home and it said to pull to the side of the road and shut off the vehicle for safety reasons it had to be rollbacked back to the dealership they then told me that they would have to get me a different pickup truck but that one had too many issues so again I left with a loaner vehicle two months later I received a notice of repossession from the sister Bank of XXXX XXXX Santander of which I never signed a contract with Santander I signed a contract with XXXX XXXX for a small payment the dealership forged the paperwork and Santander contacted me stating that I had not paid a payment in 2 months therefore they were going to repossess I contacted dealership and said hey I still have a loner vehicle I don't have a vehicle so why should I be paying a payment to a bank I know nothing of Santander they said my truck was finished to come pick it up I got there and all it was was the same truck that had only made it 50 miles before they had to roll back it I was angry with them and said I thought I was getting yet a different vehicle they then said that they changed out all of the parts on the motor that burnt up and I had no choice but what to except the vehicle and then of course instead of my payment being {$360.00} like it was supposed to be it was over {$900.00} a month at this time covid was kicking in pretty hard and couldn't possibly pay a payment that large but nonetheless I drove the truck approximately another 1400 XXXX and the fuel pump went they wouldn't fix it and I contacted the Santander and they said that they could extend the payments out and I wouldn't have to worry about a repossession well in the meantime I got notice of a class action lawsuit against them for giving loans to persons who couldn't possibly pay them back so that they could repossess I was part of that lawsuit and was told that I owed them nothing by the attorney handling the class action lawsuit and that I would retain the vehicle so that being said I had the vehicle for four more years without fixing it because I couldn't afford to fix it when it broke down with the fuel pump the last time and I contacted Santander and told them exactly where it was sitting and I told them that they could go get it because there's no way I could even pay to have it towed well it sat side the road where it broke down for 64 days the state police contacted me and said the truck had to be moved I had the truck roll backed to my property and that's where it's at all those years and finally a friend help me put the vehicle back on the road I used it one time in XXXX of XXXX and when I got home from the short trip my son who lives in XXXX XXXX and was in college borrowed the truck got a parking pass for his college and two days after that a repossession company repossessed the truck on an old repossession order the bank still sold the vehicle with no title they sold it as is where is the dealership that bought it sold it as a reconstructed vehicle and when I contacted Santander even though they had already claimed it several years earlier on taxes and I was already told that I'd be retaining the vehicle even after they sold it on my credit report they still say I owe them around {$17000.00} they had no right to repossess and I told them that they needed to take it off my credit report and I would not sue them for another truck being as in it was repossessed illegally after that class action lawsuit so please let me know what I should do

Company response to consumer: Closed with non-monetary relief