Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Fax : XXXX Email : XXXX RE : Formal Rebuttal to Response Dated XX/XX/year> Account No. : XXXX VIN : XXXX To Whom It May Concern, This correspondence serves as a formal rebuttal to your recent response dated April 18, 2025, regarding the above-referenced lease account and vehicle. I appreciate your acknowledgment of my concerns ; however, your response lacks material accuracy, omits key facts, and fails to address the full scope of statutory violations and administrative oversights. 1.

Lease Extension Mismanagement Your records conveniently note that I requested and paid for a lease extension, yet you voided the extension for failure to return a signed agreement by XX/XX/scrub>, 2025. I assert that : I submitted the signed extension in good faith. 
Any failure to receive said documents lies with your internal processing and not with me. 
If you claim non-receipt, please provide clear documentation and timestamps of all correspondence related to the extension.

2.

Improper Credit Reporting & Misrepresentation You state that my account is in good standing with no delinquencies, yet you also threaten repossession. This contradiction creates undue stress, confusion, and reputational harm. Furthermore : You have not provided proper disclosures as required by the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ).

If credit was extended in any form beyond a pure lease structure ( e.g., through extension or residual payment arrangements ), TILA applies.

I formally dispute the accuracy of your reporting and request full account verification per FCRA 611.

3.

Privacy and Information Disclosure ( GLBA Violation ) A one-size-fits-all Privacy Notice posted on your website does not satisfy Gramm-Leach-Bliley Act obligations. You must demonstrate : When and how I received your Privacy Notice.

Evidence that you obtained my informed consent for any data-sharing with third parties.

Safeguards youve implemented to protect my financial information.

4.

Cease-and-Desist Notice Ignored While you acknowledge the cease-and-desist instruction, I reserve the right to take legal action if any further calls, texts, or unauthorized contacts are made. Your continued pursuit of the vehicle under such terms, absent due process or clarity, is unacceptable.

5.

Demand for Settlement & Release Given the contradictory nature of your communication, the potential breach of contract, and the statutory violations outlined herein, I demand the following within 10 calendar days of receipt : A written correction of your internal records acknowledging my lease extension.

A formal retraction of any repossession intent or credit reporting actions.

A settlement offer that reflects my timely payments, administrative delays on your part, and harm caused by miscommunication.

Confirmation that the lease will be honored under the extended term.

If this matter is not resolved in good faith, I will escalate the issue to the Consumer Financial Protection Bureau, the Michigan Attorney Generals Office, the FTC, and initiate legal proceedings under TILA, FCRA, GLBA, and relevant Michigan consumer protection laws.

This letter shall serve as evidence of my continued effort to resolve this matter lawfully and honorably. 
Sincerely, XXXX XXXX XXXX Secured Party, Authorized Representative

Company response to consumer: Closed with explanation