Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No - fake response by them NOT ADHERING TO THEIR OWN RULES I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS- You initially wiped my entire complaint using the excuse that mine was a business a/c ( which it is not ). Now you have asked for feedback but stated that you have closed my complaint, so I don't know what you are doing. Either way, UNDERSTANDABLY I AM DISGUSTED WITH YOUR ORGANIZATION. I presume that you are merely a facade for doing nothing whilst being funded by the taxpayer. Your only response to me was that you don't deal with complaints from business accounts. XXXX is NOT a business account. The ONLY reason it's titled XXXX XXXX XXXX XXXX is because I was advised to get an LLC for legal protection but this is a savings account and I was the landlord of only XXXX property which, due to theft by property XXXX and non-payment of rent and much damage by tenants, forced me to fire sale it and this settled on XXXX XX/XX/XXXX. XXXX have since kept MY money, paying me around {$3.00} on over {$85000.00} pcm but FLATLY REFUSING to a transfer by any means to my 'Send ' a/c given they TOTALLY IGNORE this option, REFUSE me online banking as originally promised and are just playing with me with regard to closing my a/c. Eventually they said to submit a notarized letter to close my a/c, which I immediately did ( recorded on XXXX XX/XX/XXXX ) but then an aggressive, controlling + horrible XXXX XXXX XXXX XXXX from their XXXX Office said XXXX XXXX it to be notarized by a XXXX XXXX, XXXX XXXX or XXXX an Apostille attached. This was NOT specified as a requirement. With over XXXX lawyers in XXXX, only XXXX are qualified as XXXX XXXX 's and they are all a senior lawyer or a partner in a law firm and their application must be submitted to and approved by the Supreme Court XXXX XXXX. Their tenure is until they decide to retire and they usually charge {$150.00} or more either by seal or by page. My XXXX XXXX XXXX XXXX XXXX XXXX, also attached free-of-charge to me a covering letter from himself attesting to having sighted recent XXXX statements. XXXX admit to receiving this on XXXX XX/XX/XXXX but didn't bother composing as usual a totally negative letter until XXXX XX/XX/XXXX, which I received on XXXX XX/XX/XXXX. In it they state that if I forward the further requirement ( impossible to get an app't with US Embassy/Consulate XXXX XXXX XXXX XXXX and XXXX {$93.00} for an Apostille at XXXX ), they XXXX " REVIEW '' my situation again and " IF '' they approve it, would send a paper cheque to me in XXXX and would REFUSE to conduct a safe funds transfer to my 'Send ' a/c. So, what they're saying is that THEY MAY OR MAY NOT ADHERE TO THEIR OWN RULES FOR CLOSING AN ACCOUNT, which they again printed. They also refuse to email me. They are quite mad and their delaying tactics are totally transparent. I've learned that XXXX is lawless and people seem to do whatever they want and get away with it. I don't suppose a lack of regulation helps but XXXX certainly speak as though they answer to nobody. Being so disillusioned with XXXX, I then wished to purchase a property in the XXXX but since XXXX last XXXX XXXX rate leaves me around XXXX {$5000.00} worse off today to buy the same property with XXXX XXXX XXXX than it did back then. Also, the property which I would buy is rising in price from XXXX XXXX pounds to XXXX XXXX pounds on XXXX XX/XX/XXXX. All this comes to at least XXXX {$8000.00} in loss to me SO FAR and for what? - simply for the lies and ego of some whack-jobs at XXXX? But all you did was say that you don't oversee complaints about 'business accounts '. Why not just be honest and state that you can't be bothered. Have you ever thought of standing up and DOING THE RIGHT THING? 
What happens now? 
The complaint process is complete and your complaint is now closed. 

We have taken the following additional actions on your complaint : We added your complaint to the XXXX XXXX Complaint Database. 
Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns.

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