Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
On XX/XX/21, a credit consumer transaction took place at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) where I, XXXX XXXX, used my credit card ( ss # ) to sign a promissory note in the form of an installment " contract '' in which the 1ST lien holder, SANTANDER CONSUMER USA, took a security interest. During the transaction, XXXX XXXX, explained that I, XXXX XXXX will receive an " auto loan '' ; however, according to XXXX, I am the authorizer of this promissory note. Therefore, as a result, there was no " loan '' involved during the credit consumer transaction. 

Pursuant to 15 USC 1635 ( a ) -- as a consumer, I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. 

On XX/XX/21, I, XXXX XXXX with notarized administrative process sent certified mail receipt ( XXXX ) to SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) to no avail and no return. 

Furthermore, there were numerous Federal Consumer violations within the said, " installment contract '' which are attached with invoice with affidavit. Not to mention, SANTANDER CONSUMER USA sent a bill. The document is misleading because I, XXXX XXXX have no obligation and can not pay a debt with a debt ( Federal Reserve Notes ), Pursuant to 18 USC 8 -- It reads -- The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps I, XXXX XXXX, the natural person do not owe a debt. 

SANTANDER CONSUMER USA, has been harassing me, the natural person about collecting a debt via phone ( leaving voicemails ), emails and mail Pursuant to 15 USC 1692c. ( c ) -- I notified in writing to SANTANDER CONSUMER USA on XX/XX/21 that I refuse to pay this alleged debt, and I am demanding to cease all forms of communication with me, the natural person through any and all mediums. 

Attached are screenshots of calls and emails. 

Additionally, are listed below employee ID # XXXX from SANTANDER CONSUMER SERVICING DEPARTMENT AUTO FINANCE COMPANY in correspondence to the call : ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ( XXXX OFFICE - XXXX XXXX

Company response to consumer: Closed with explanation