Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I mailed out XXXX different letters back in XXXX and XXXX, the tracking letters are included in this below. SANTANDER PO Box 961211 Fort Worth TX 76161 XX/XX/year> Subject : Request for Documentation and Information Regarding Vehicle Repossession and Sale xxxxxxxxx To Whom it may concern, I am writing regarding an auto loan with your firm. My Social Security Number is SS # xxxx. My date of birth is Date of Birth : N/A Please provide the following information : XXXX. The original Retail Installment Sales Contract or Lease Agreement associated with the sale and financing/leasing of this vehicle ( include any arbitration provisions ). XXXX. A full accounting of the unpaid obligations secured by collateral for the transaction involving the account listed above, including the monthly balance, required minimum payment, actual amount paid, and date of each payment. XXXX. The Notice of Sale / Notice of Default, including date, location, method of sale, redemption rights, and proof of mailing. XXXX. Explanation of calculation of any surplus or deficiency balance with an itemized description of costs and fees ( include proof of mailing ). XXXX. Any notices regarding my right to redeem personal property contained in the vehicle ( include proof of mailing ). XXXX. A statement confirming whether the only collateral securing this transaction is the single vehicle on the contract ( approve or correct if wrong ). XXXX. A current Statement of Account as of XX/XX/year> showing the alleged unpaid obligations for the account number ( approve or provide the correct amount ). XXXX. Details regarding whether the sale was public or private. If private, state whether it was wholesale ( dealers/vendors only ) or open to non-professional buyers. Provide these documents within XXXX days of receipt of this letter. Failure to provide this information may result in further action to protect my rights. Tracking # XXXX SS # : XXXX SBNA XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Subject : Failure to Provide Legally Required Documentation - Demand for Deletion of Unverified Repossession To whom it may concern : On XX/XX/year> I mailed a formal Request for Documentation and Accounting under UCC 9-210 , 9-611, and 9-614 regarding the alleged repossession and sale of the above-referenced vehicle. More than XXXX days have passed without the required documentation or with incomplete responses omitting : - Full accounting of debt balance and each payment ( UCC 9-210 ) - Proof of mailing for Notice of Sale/Disposition ( UCC 9-611 ) - Proof of mailing for any deficiency or surplus notice ( UCC 9-614 ) - Any other written notices required by law Your failure to comply renders the alleged deficiency claim and repossession reporting invalid. Without these documents you have not demonstrated lawful compliance with the UCC or provided sufficient verification under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). I demand that you : XXXX. Cease reporting this repossession and/or deficiency balance to XXXX, XXXX, and XXXX immediately XXXX XXXX. Delete all references to this account from my credit files within XXXX days of receipt of this notice. Failure to comply will result in pursuit of all available remedies including complaints to the CFPB, state authorities, and civil action. SBNA XXXX XXXX XXXX XXXX XXXX, TX XXXX Confirm in writing that you have deleted this account and ceased collection or credit reporting activity Tracking # XXXX

Company response to consumer: Closed with non-monetary relief