Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited Santander Bank ( Branch Located at XXXX -- XXXX XXXX XXXX, XXXX, NY XXXX ) to make a deposit. Shortly after making my deposit, I was approached by the XXXX XXXX, XXXX XXXX. He said, do you have a money can I come to his office for a moment. I said, sure. XXXX XXXX began by asking me a series of questions such as who is XXXX XXXX? Who is XXXX XXXX? What is my profession? In a very aggressive tone. As if I was doing use my checking & savings account to illegally Launder Money through my accounts or involvement in XXXX XXXX. I took a pause, I asked XXXX XXXX, what are these series of questions for? This situation made me very uncomfortable. XXXX XXXX said, that the BACK OFFICE send him an email to ask me a series of XXXX questions. Between XX/XX/XXXX to XX/XX/XXXX, I deposited {$49000.00} in my checking account. Where did it come from? In XX/XX/XXXX, I deposit {$3300.00}. Where did the funds come from? When do you make deposit? Where do you make your deposit? Is this large amount are you going to continue depositing moving forward? The Line of Questions from XXXX Bank is accusing me of Money Laundering. XXXX BACK OFFICE RACIALLY PROFILE my Checking & Savings Account base on the recent large deposit activities This account holder is Money Laundering. XXXX Bank base on my RACE is highly like to be involve in Criminal Enterprise such as XXXX XXXX XXXX XXXX XXXX. 

I filed a Customer Service Complaint on XX/XX/XXXX with XXXX Bank, XXXX. ( XXXX XXXX - Replied Notice from XXXX Bank ). On the Customer Service call the Representative explained to me regarding funds deposit into my Checking Accounts will be investigated and any suspicious activities will be reported to the FBI for further determination with Case Number XXXX. I received a confirmation email from XXXX XXXX. 

On XX/XX/XXXX the XXXX Department of Justice fined XXXX  Bank {$1.00} Billion for Money Laundering ( EXHIBIT B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This sparked attention among other banks to conduct Internal examination of customer 's account. I was selected by the BACK OFFICE as a suspicious activities base on RACE, LOCATION, AGE and DEPOSIT {$49000.00} in 4 Months. During the same period from XX/XX/XXXX to XX/XX/XXXX How many NON-MINORITIES ( WHITE ) Account Holders with equal to or greater deposit were single out by the BACK OFFICE as MONEY LAUNDERS? This claim precludes the facts that XXXX Bank finding was inconclusive. 

On XX/XX/XXXX, the XXXX Department of Justice XXXX XXXX XXXX XXXX ) received my complaint and contacted XXXX XXXX XXXX regarding XXXX Discrimination. 

On XX/XX/XXXX the XXXX XXXX, XXXX Bank, XXXX. immediately reply to my complaint that was submitted more than 5 months ago. ( EXHIBIT C - received XXXX from XXXX Bank ). It doesn't change the fact, that XXXX Bank waited 28 years to ask me a series of questions and XXXX DISCRIMINATE against me based solely on DEPOSIT ONLY ( {$49000.00} Deposit into Checking Account - 4 Months Period ). In the response XXXX from XXXX Bank offered me to Applied for XXXX. I applied for Credit in XX/XX/XXXX ( XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX APPLICATION DENIED. XXXX Claims it has no records that I applied for Credit. 
I main reason XXXX Bank does not have any RECORDS of my Application submitted. Violated Lending Disclosure ( FAIR LENDING ACT ) to MINORITY APPLICANTS & REDLINE APPLICANTS IN XXXX COMMUNITIES. ( XXXX BANK ONLINE APPLICATION has CODING BIAS ( INPUT & OUTPUT DATA COLLECTION & DECADES OF TRAINED BIAS ALGORITHM WHICH IS PREJUDICED TOWARDS MINORITY APPLICANTS. ( MACHINE LEARNING ( ML ) PROCESS. 

In regarding to the personal Deposit Agreement, XXXX Bank do not provide by email or us mail written DISCLOSURE TO CUSTOMERS/ACCOUNT HOLDER ( 1st Time I Received Disclosure in 28 Years. The is NO NON-DISCRIMINATION CLAUSE in Personal Deposit Account Agreement in terms of FAIR LENDING PRACTICE to all Customers regardless of RACE, XXXX XXXX, AGE & GENDER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation