Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Over the past several months i consumer/creditor who have been entitled to full faith and credit have been under dress and threats causing disruption to potential livelihood and house affairs by SANTANDER CONSUMER USA. Despite all debts belonging to the US per Title 18 U.S.C. 8 ; SANTANDER CONSUMER USA has thought it proper to ignore the XXXX and allege that consumer/creditor is a debtor. Please Examine the United States of America DEPARTMENT OF STATE cover page entitling to full faith and credit. SANTANDER CONSUMER USA has been notified of this on several occasions through mail correspondence, telephone communication and the likePlease Examine the Affidavit that Santander did not respond to in the proper allowable time of 21 days and the receipts associated with those Affidavits of truth. In law an unrebutted Affidavit stands as TRUTH in commerce. These alleged violations are not substantiated in reality that SANTANDER CONSUMER USA is attempting to inflict against consumer/creditor because the day ( XX/XX/XXXX ), the transaction was it was paid in full by credit under the agreements ; Please Examine the first paragraph at the top of the 553-MD-e 9/21 document. Not only these issues, but the consumer/creditor was denied his right to rescind his signature under title 15 U.S.C. 1635, 1026.23 ( consumers right to rescind ) ; 12 CFR 1026.15. This right was interfered with and SANTANDER CONSUMER USA has attempted to use harassment via communication device ( phone ) and the UNITED STATES POSTAL SERVICE ( USPS ) to stalk and intimidate consumer/creditor ; this type of behavior violates title 18 U.S.C. 876 ( mailing threatening communications-House ) ; 18 U.S.C. 1341 & 1342 ; this all violates title 15 U.S.C. 1692 ( d ), ( 1 ), ( 5 ), ( 6 ) this all violates the Fair Debt Collection Practices Act ( FDCPA ). Please Examine the printouts of repeated daily calls with times and dates. With this malicious behavior SANTANDER CONSUMER USA has violated public notice Copyright, Copyright-Copy : Claim and Trade Name/Trademark. It has been expressed that consumer/creditor does not nor ever will consent to bein represented in any manner and or likeness by SANTANDER CONSUMER USA and therefore SANTANDER CONSUMER USA is in violation of Copyright, Global Copyright-Copy Claim and Trade Name/Trademark ; which cost for violations is {$500000.00} plus triple damages totalling {$1.00} XXXX. Please Examine copies of Notice of Surety Act and Bond in silver ; recorded XXXX financing statement, global copyright : copy-claim, and Affidavit of Contract. If you were to Examine further you would see that 1099 A and B has been filed with IRS/Treasury department accepted and notifications sent out to all parties ; which SANTANDER CONSUMER USA has failed to ignore. Please Examine copies of IRS/treasury department notifications of acceptance and disbursements to all parties. Concerning account filing has been sent to XXXX XXXX  XXXX Office of the Executive Secretary XXXX XXXX in regards to this account and the conveyance. In addition Adverse Actions were taken against consumer/creditor at dealership when they were informed that unless they sign a certain way then they would not be extended their credit ; this violated titled 15 U.S.C. 1681. Please Examine signatures signed without prejudice UCC 1-308 and request to see SANTANDER CONSUMER USA signatures and you will see that they dont match up that there is more than one contract which is Fraud Ab initio . Full Disclosure was not given that the contract was gon na be sold to SANTANDER CONSUMER USA and that it was gon na be used securities for its investors dividends. Full Disclosure is the first aspect of Contract Law and none of that was given. SANTANDER CONSUMER USA reported to pseudo quasi credit-bureau on XX/XX/XXXX that the account was closed and that the last payment was on XX/XX/XXXX. Please Examine account details from XXXX XXXX printout. With the threats and malicious intent of SANTANDER CONSUMER USA consumer/creditor is afraid for tribe and offspring ; because of SANTANDER CONSUMER USA and its bullying tactics thus far they are creating a potential XXXX defined under the American Disability ACT ( ADA ). That is defined as a physical or mental impairment that substantially limits one or more major life activities. Being able to safely be in transit in one 's conveyance and care for their offspring and self via employment is a major life activity covered under the right to life, liberty and the pursuit of happiness.

Company response to consumer: Closed with explanation