Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I, maker of this complaint, went to XXXX XXXX OF XXXX XXXX on XX/XX/XXXX2025 to purchase a XXXX  truck. I signed the loan contract in good faith with clean hands trusting that XXXX XXXX would show the integrity and honesty their commercial advertisements on the local radio and on their website stated ( False Advertisements XXXX XXXX XXXX ). I discovered a SPIREON tracking device under my dashboard while cleaning my truck, this was several days after XXXX immediately went to the XXXX POLICE DEPARTMENT ( local authorities ) and filed a police report and filed an FTC complaint. I spoke with my salesman XXXX, XXXX the finance person ( whom commited electronic forgery XXXX by copying my signature on instruments used to by or sell goods, Quince the finance XXXX and lastly XXXX XXXX the general XXXX of XXXX XXXX XXXX XXXX XXXX. All of these individuals stated that they did not install it or have a subscription to said device. There has been no accountability, honesty or integrity in this matter. Their website claims to have " put em to the test '' with a XXXX inspection. The general XXXX denied my request to settle the matter in our meeting on the morning of the XXXX of XXXX. When we spoke, i informed him of the breach of contract that this illegal tracking device created. We also discussed that there is NO EXPRESSED WRITTEN WET INK SIGNATURE OR INITIALS giving my consent to said device. This truck was part of the XXXX XXXX XXXX XXXX XXXX inventory of XXXX trucks. Meaning that the truck and everything in and on it has been inspected and verified as ready for sale. I Informed him that the tracking device belonged to the dealership, regardless if they put it in during the " detailing and gas fill '' while i was signing contract or it was left in from previous owner. Your inventory your devise I purchased a XXXX truck in good faith only to be deceived. TEXAS codes and statues Chapter XXXX ( Deceptive trade practice section XXXX ... states that it is deceptive for me to sign a contract, and not disclosing information that had I the consumer/buyer would have been informed of I would not have signed. TEXAS XXXX XXXX XXXX installing of a illegal tracking device ... you must have consent of the buyer in writing, not implied or assumed. In TEXAS there are XXXX things needed for breach of contract ; XXXX a Valid contract, XXXX. Proof of XXXX ( the tracking device and no consent anywhere on valid contract and XXXX. Proof of loss is the auto loan on my credit report and stated on box XXXX of the truth and lending disclosure in total amount of XXXX. So in conclusion there have been multiple felonies committed from Breach of Fiduciary duties, Violation of the XXXX Amendment, Electronic Forgery XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Privacy Act XXXX XXXX XXXX XXXX, the XXXX XXXX, the FTC XXXX, The state laws the Uniform Deceptive Trade Practices Act and several violation in the Texas XXXX and XXXX XXXX. This dealership sells your RAM merchandise along with XXXX, XXXX and XXXX, XXXX bringing this to your attention because there has been enormous amount denial and bad faith business processes and business done in or with dirty hands or bad faith make the contract null and void. So XXXX reaching out to XXXX XXXX XXXX the facilitator of the brand RAM amongst others. The dealership is maliciously defaming the brand with these Deceptive Trade/Business Practices on hard working people and in this economic climate honesty is the foundation of business and to betray that goes against the integrity that they spread slanderously using XXXX of your brands XXXX.

Company response to consumer: Closed with explanation