Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
CFPB FORMAL APPEAL & DEMAND FOR NEW INDEPENDENT INVESTIGATION TITLE : FORMAL MOTION FOR XXXX XXXX REVIEW : DEMAND FOR NEW XXXX ASSIGNMENT, RE-INVESTIGATION OF DENIED CLAIMS, AND RELATIONSHIP RESTORATION I. CONSUMER IDENTIFICATION Complainant : XXXX XXXX XXXX : XXXX | SSN : XXXX Account Number : XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX CFPB Case # : XXXX XXXX. FORMAL MOTION FOR NEW INDEPENDENT PERSONNEL I am formally appealing all prior determinations and rejecting the banks previous responses. I demand a XXXX XXXX XXXX ( a fresh look ) of my entire file. To ensure a fair and unbiased result, I demand that XXXX Bank assign a completely new investigator and a new reviewer who have had no prior involvement in this case. I demand that all previously denied dispute claims, as well as those wrongfully marked as " closed '' or " withdrawn, '' be reopened for a fresh decision. This is my formal escalation for a XXXX, XXXX, XXXX, XXXX, and final XXXX time. XXXX. WRONGFUL TERMINATION & RELATIONSHIP RESTORATION I demand the immediate reopening of my Select Checking and Savings accounts. My banking relationship was terminated for " no reason '' while active fraud disputes were pending. This is an act of bad faith that prevented me from accessing the very tools needed to resolve my claims. I demand my Online Banking access be reactivated and my relationship be unterminated immediately. IV. FINANCIAL TIMELINE & MANUFACTURED DEBT ( {$760.00} ) The banks investigative failures have created a fraudulent negative balance : Phase XXXX ( Initial Denials - {$420.00} ) : Wrongfully denied despite the bank 's own internal admissions that the cards were compromised. Phase XXXX ( Wrongful Reversal - {$130.00} ) : On XXXX, a credit was issued for a XXXX dispute. On XXXX, the bank reversed this without cause, moving the balance to - {$560.00}. Phase XXXX ( XXXX XXXX XXXX- {$190.00} ) : On XXXX, an unauthorized charge posted to an already-compromised account, creating the current balance of - {$760.00}. V. EVIDENCE OF INVESTIGATIVE FAILURE ( THE " SMOKING XXXX '' ) A new investigation team is mandatory because the current record is contradictory : Internal Admissions : I hold XXXX letters from XXXX ( Ref : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) admitting fraud occurred on my cards. Logical Error ( Ref XXXX ) : The bank denied the same claim as both " Authorized '' and " Not Posted. '' Falsification ( Ref XXXX ) : The bank marked a claim " Withdrawn by Customer '' when I never made such a request. VI. MANDATORY REMEDIES & OTHER RELIEF To resolve this matter in my favor, the bank must : XXXX XXXX : Issue a credit of {$760.00} to bring the account to {$0.00}. Fee Restoration : Refund all XXXX ( XXXX ) {$15.00} NSF fees and all other overdraft/return fees. XXXX XXXX : Issue a new debit card and PIN via mail and update my phone number globally. XXXX XXXX : Ensure XXXX negative reporting to ChexSystems or credit bureaus. Hardship Compensation : Waiver of all account maintenance fees for 12 months due to the stress of wrongful termination.

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