Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
So this morning, dated XX/XX/XXXX, I, XXXX XXXX, the ORIGINAL XXXX PLEASE KEEP THIS IN MIND CFPB as I express my complaint I AM THE ORIGINAL CREDITOR. However, I have noticed all the negative reviews and slander Santander  XXXX have been getting all over social media via XXXX, XXXX etc by other Consumers complaining about how Santander are scamming people and how they have a $ XXXX settlement which lead to me to dig deeper and do more research about Santander Consumer USA. 
So again, as I woke this morning, I googled search Santander Settlement and this page comes up https : //santandermultistateagsettlement.com So I called the number because I know I have did and an transaction with Santander so XXXX was interested to know would I be eligible for this Settlement as well. 
However, as I called and gave the Rep my info, she told me I was not eligible for the settlement. 
However, the rep told me to directly call Santander and they would be able to provide me with details in regards of the settlement. 
So I called them, and instead of asking about the settlement I asked for a letter of validation of debt which they did send via email, however, I was not able to open the file ( for whatever reason. ) So now that I am aware of the unfair practices Santander has been doing to Consumers. 
So at this point I am just really interested to know more because I had a gut feeling they have scammed me and violated me of my rights when they repo MY car, remember, I AM THE ORIGINAL CREDITOR 15 U.S. Code 1691a, 12 U.S. Code 5533 so it is clear they have committed aggravated identity theft 18 U.S. Code 1028A, 15 U.S. Code 1666 and much more as I am studying my consumer rights. But let me continue..

So due to the email not working not working of the Validation Of Debt letter. 
I chose to go to the car dealer ( XXXX XXXX ) XXXX XXXX XXXX av XXXX where I purchased my XXXX XXXX  at. 
I walked in asking for a copy of my original contract and gave her my information. 
The rep was a female, she started to act weird and strange after I gave her my information, for whatever reason, I dont know. So she told me wait a few minutes and walks to the back ( I waited about 10minutes ) and then she gives me a copy of the contact. So as Im standing up at the front desk looking over the contract the rep asked did I want to go sit down and read it, so I did. But I had a friend outside waiting so I had to leave the dealership. However, as I get home and read over my contract, thats when I noticed SANTANDER has taken advantage of me and violated my consumer rights and did NOT disclose a lot of details to me and on top of that they did NOT explain that insurance is included in the the finance charge and caused me pay for my own insurance, plus I traded in my XXXX and to my knowledge this was my form of DOWNPAYMENT. It it heart broken and devastating to know I was taken advantage of and on the contract a lot of marks are writing N/A which I dont remember being there. I have sent certified mail to Santander asking for Validation of Debt and they have yet to respond. And the reason I asked for Validation of debt because they have been reporting to all credit reporting agencies on my account as CHARGE OFF which has damage my credit and reputation. Santander has repossess MY car, which has brought tremendous of embarrassment and humiliation to me in front of my family, friends and community. Santander has violated my rights 15 U.S. Code 1611 and stole MY car from me.. remember I am the ORIGINAL CREDITOR.. they reported my account as CHARGE OFF but never gave me my 1099c form from the IRS.. and on top of that they stated they earlier some time before now that I remember, they was selling the car to auction and I would get remaining balance which is a lie from the pit of XXXX!!! So it is clear they are doing wrong by consumers and with that being said 12 CFR 226.15 - Right of rescission. RETURN ME ALL MY GOODS!!! SANTANDER YOU ARE SOME XXXX CON ARTIST!!! I AM DEMANDING YOU TO RETURN MY XXXX and XXXX YOU STOLE FROM ME I AM THE ORIGINAL CREDITOR BY LAW!!!!! XXXX disgrace!!!!

Company response to consumer: Closed with explanation