Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
CRITICAL EVIDENCE OF WILLFUL VIOLATIONS : This complaint includes XXXX formal legal notices sent to Santander 's Chief Legal XXXX, proving systematic and willful violations : XXXX. Administrative Demand and Cease-and-Desist Notice ( XX/XX/year> ) - Delivered via RPost with confirmed receipt, demanding immediate cessation of all collection activity within XXXX hours pursuant to 15 U.S.C. 1692c. 
See attached pages XXXX. 

XXXX. XXXX XXXX XXXX Notice ( XX/XX/year> ) - Documenting Santander 's continued violations AFTER receiving formal cease-and-desist. See attached pages XXXX. 

RPost delivery confirmation ( page XXXX ) proves Santander received the XX/XX/XXXX notice, making all subsequent collection communications ( screenshots pages XXXX ) WILLFUL violations demonstrating bad faith and systematic disregard for federal consumer protection laws. 


ADDITIONAL VIOLATION : EMAIL BLOCKING AND OBSTRUCTION OF LEGAL NOTICE On XX/XX/year>, consumers sent the formal Administrative Demand and Cease-and-Desist Notice from XXXX via XXXX with confirmed receipt to Santander 's Chief Legal XXXX. 

IMMEDIATELY THEREAFTER, Santander BLOCKED the consumers ' primary email address ( XXXX ), preventing any follow-up communication from that address. 

On XX/XX/year>, consumers were forced to resend the XXXX XXXX Notice from an alternate email address ( XXXX ). 
This email was : Successfully delivered to Santander 's chief legal counsel Confirmed received by their system NOT OPENED by the Chief Legal XXXX or COO ( deliberate avoidance ) MEANWHILE, during the same period that Santander blocked consumers ' email address and refused to open legal notices : XX/XX/year> : Santander sent unauthorized collection text XX/XX/year> : Santander sent unauthorized repossession threat text This pattern demonstrates : 1. WILLFUL OBSTRUCTION : Blocking consumers ' email to avoid formal legal notice while continuing automated collection activity 2. SELECTIVE COMMUNICATION VIOLATIONS : Can not block consumer communication while continuing collection attempts under 15 U.S.C. 1692c and CFPB Regulation F 3. DELIBERATE AVOIDANCE : Legal counsel received alternate email but XXXX XXXX XXXX deliberately refused to open it, proving intentional disregard of legal demands 4. BAD FAITH AND RETALIATION : Blocking occurred AFTER consumers sent cease-and-desist, suggesting retaliatory action to prevent further legal communication 5. CONSCIOUSNESS OF GUILT : Santander 's legal team knows they violated the cease-and-desist but are deliberately avoiding acknowledging formal legal notices This email blocking, combined with continued collection activity, elevates Santander 's conduct from negligent violations to INTENTIONAL AND WILLFUL circumvention of federal consumer protection laws. 

REQUESTED ADDITIONAL RELIEF : Investigation of Santander 's email filtering practices Determination whether email blocking violates CFPB Regulation F Enhanced penalties for deliberate obstruction of consumer legal notice Injunction requiring Santander to unblock consumers ' email addresses Sanctions for willful avoidance of legal demands

Company response to consumer: Closed with non-monetary relief