Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I XXXXXXXX XXXX XXXXXXXX the consumer and creditor went to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX to complete a consumer credit transaction for a new vehicle for personal use. XXXX XXXX in XXXX with Santander Consumer USA violated 15 U.S.C 1692j ( a ) and 15 U.S.C 1692j ( b ) regarding the agreement. Additionally, Santander Consumer USA violated 15 U.S.C 1692e ( 11 ). Pursuant to 15 U.S.C 1602i and 15 U.S.C 1691a ( e ) Neither XXXX XXXX nor Santander Consumer USA are creditors. The agreement states XXXX XXXX XXXX XXXX was giving a security interest in a new XXXX XXXX XXXX. 12 CFR 1026.2 ( a ) ( 25 ) TILA Regulation Z states security interest secured payment or performance of any obligation. I received a communication from Santander Consumer USA dated XX/XX/XXXX titled NOTICE OF RIGHT TO CURE DEFAULT REQUIREMENT OF STRICT COMPLIANCE. This notice was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 2 ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692d ( 4 ), 15 U.S.C 1692d ( 5 ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 6 ) ( A ), 15 U.S.C 1692f ( 6 ) ( C ), 15 U.S.C 1692f ( 8 ), 15 U.S.C 1692g ( a ) ( 1 ), 15 U.S.C 1692g ( a ) ( 2 ), 15 U.S.C 1692g ( a ) ( 3 ), 15 U.S.C 1692g ( a ) ( 4 ), and 15 U.S.C 1692g ( a ) ( 5 ). I understand my ignorance of the law at the time allowed Santander Consumer USA to secure 50 % of the security interest with the State of Florida, however that doesnt constitute the fraud and theft committed by Santander Consumer USA. On XX/XX/XXXX Santander Consumer USA sent an unauthorized third party who had no connection on signature on the agreement to steal the XXXX XXXX XXXX. This action was in clear violation of 15 U.S.C 1681 ( a ) ( 4 ), 15 U.S.C 1681 ( b ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 6 ) ( A ), and 15 U.S.C 1692f ( 6 ) ( C ). After the theft I again received communication from Santander Consumer USA dated XX/XX/XXXX titled NOTICE OF OUR PLAN TO SELL PROPERTY. This notice was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692c ( a ) ( 1 ), 15 U.S.C 1692d ( 4 ), 15 U.S.C 1692d ( 5 ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 6 ) ( A ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 1 ), 15 U.S.C 1692f ( 6 ) ( A ), 15 U.S.C 1692f ( 8 ), and furthermore proves theft. Lastly Santander Consumer USA sent another communication dated XX/XX/XXXX and titled CALCULATION OF SURPLUS OR DEFICIENCY. This correspondence was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692c ( a ) ( 1 ), 15 U.S.C 1692c ( b ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692f ( 1 ), and 15 U.S.C 1692f ( 8 ).

Company response to consumer: Closed with explanation