Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Santander XXXX  USA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Todays date : XXXX XXXX To whom this may concern. 
This is regarding the account with santander XXXX  XXXX. XXXX XXXX I purchased a XXXX XXXX XXXX XXXX  with XXXX XXXX. Durning the month of XXXX of XXXX I stated to Santander that the contract was fraudulent and asked for it to be fixed and investigated. I was told that it was investigated and nothing was found. Throughout the year of XXXX I kept coming to Santander about the contract being fraudulent and I was told it wasnt fraudulent even after giving proof. In the year of XXXX I asked for the contract to be investigated again and I was told that theres nothing wrong with the contract. However, I have more than enough evidence to prove that there are many errors of the contract. When both parties signed the contract, we agreed that the contract was 100 % accurate no mess ups no nothing. Under the law it states states [ The undersigned hereby certifies that the information contained herein is true and accurate. 
Pursuant to O.C.G.A. 40-3-1 et seq. & 16-10-71, a person to whom a lawful oath or affirmation has been administered or who executes a document knowing that it purports to be an acknowledgment of a lawful oath or affirmation commits the offense of false swearing when, in any matter or thing other than a judicial proceeding, he knowingly and willfully makes a false statement. A person convicted of the offense of false swearing shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than five years, or both. A dealer of new or used motor vehicles that makes an application for title and collects state and local title ad valorem tax fees and converts such fees to his or her own use shall be guilty of theft by conversion and, upon conviction, shall be punished as provided in O.C.G.A. 16-8-12 and O.C.G.A. 48-5C-1 ( b ) ( 1 ) ( F ). ] seeing that we both signed this contract. We were all in agreements of it being accurate. With that being said, lets go in with all the errors on the contract. I do have documentation that follows with the proof of the errors and they are listed as doc 1.2 and 3. 
First Error : In doc XXXX : XXXX XXXX put a service contract on this contract for {$1200.00} even after I told them not to they stated that Santander was the one who wrote the contract. However, you guys said that you did it and how you were going to investigate XXXX XXXX. On XX/XX/XXXX the money was paid back to you guys through XXXX XXXX. But as you look on doc 1, the signatures does not match nor does the date. 
Second Error : In doc 2 : this documentation has four pages o Doc 2.1 this page states how it is a felony for any person to willfully enter false information on this form o Doc 2.2 with this documentation, the error that was made was where it says middle initial but put my full name o Doc 2.3 with this documentation the error that was made it says middle initial but put my full name o Doc 2.3 on line d : shows that this vehicle is a used vehicle. On the TAVT box : on the first line, they use the used vehicle retail sale, excluding sellers finance sales, including all taxable fees as the way to come up with the price that is listed in that box ( Which is XXXX ). So you have more understanding you would need to go to doc XXXX. The second box is for other taxable fees however it is for new vehicles only. the vehicle I bought as we look on the first line shows that the vehicle is a used vehicle. However, they have a number listed in a new vehicles only box that is not supposed to be there rather it is supposed to be in the first box. However, you guys may say it doesnt matter that all the information is filled out the way that it is filled out however it does matter because its supposed to be filled out with accuracy, and that is under the law no mistakes are supposed to be made in this contract. 
Third error o Doc XXXX this documentation simply doesnt have a signature at all. this documentation is by signing this document I have acknowledged and agreed the following however, I never agreed or acknowledge none of the following. 

Both me and you, Santander have the same documents and you have failed to properly investigate this contract as I have asked, which leads me to believe that you willingly and knowingly knew about the mess up in this documentation or in this contract, but didnt care at all. I am rightfully owed all my payments back, including the down payment, and the payment for what the vehicle was sold for as well as payments for the damages to my credit. This contract was breached way before any missed payments. I have asked you guys to properly investigate this contract for two years and you guys did not properly investigated this contract at all. I am giving you seven days from the date of this letter to immediately cancel this contract. Remove your line off of all reporting bureaus and return all payments back to me and a check form to the address listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX if you dont within seven days I will go to arbitration with this issue.

Company response to consumer: Closed with explanation