Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is continuing to break federal law and will not comply with the FDCPA and is still violating my federally protected consumer rights and have no repossessed my vehicle which is a consumer transaction. That is 100 % theft on the federal level. I purchased a car in XXXX under my using my strawman name which was created through contract legalese by the United States Corporation and my social security number which is owned by the United States Corporation. I have repeatedly expressed that I identify as a natural born persons and I am a non fictitious entity. Santander Consumer USA is in FACT a fictional institution and does not actually exist. As a result of this FACT, Santander Consumer USA can only deal with other legal fictional institutions and can not have any legal dealings with a MAN or WOMAN as they are not legal fictions. I have repeatedly asked and have been refused a sworn affidavit which Santander Consumer USA has acknowledged they received and is attached to this complaint. I have also asked to provide a validation of debt with detailed accounting information and verification of their claims with a signed invoice. I have a right to reject any contract unless it is shown to be lawful. The loan agreement did not provide a full disclosure of details. They have not provided a contract binding both parties that includes full disclosure ( I was not told I was creating the credit through my signature ), equal consideration ( Santander Consumer USA has brought nothing of value to the table and so have nothing to lose ), lawful terms and conditions ( Santander Consumer USAs terms and conditions were based on fraud ), and the signatures of both parties ( corporations can not sign because they have no RIGHT or MIND to contract since they are soulless legal fictions, and no third party can sign a contract on their behalf ). I have agreed to pay Santander Consumer USA provided that evidence can be produced which they have not provided in the 30 days required, so I take on the full assumption the alleged debt is fully discharged. It has not been been 4 months and I have not been provided any of those documents. I have received statements from Santander Consumer USA which I must politely reject as a form of invoice, and I have also received a copy of the application form which does not constitute a contract as it is only signed by one of the parties ( myself ). Under 15 U.S. Code 1602 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. 
Santander Consumer USA became fraudulent when they furnish a deceptive form ( 15 U.S. Code 1692 ( c ) ) to create the false belief in the natural person that they owe an alleged debt when it was in fact a consumer transaction. Santander Consumer USA became a debt collector after I the original creditor creates a creditor by giving them my credit to extend back to me. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction below. A creditor refers only to a person. Only a natural born persons can extend credit, and I am the original creditor via UCC 1. Santander Consumer USA can not uphold GAAP ( Generally Accepted Accounting Principles ). Santander Consumer USA would not be able to provide or validate any money leaving their account to support their claims they have given me a loan. I extended my credit and they got a loan and they got a loan from the Federal Reserve in my name which is identity theft. I have a right to extend 15 USC 1602 ( g ), and rescind 15 USC 1635 credit. They should all be removed from My consumer report pursuant to 15 U.S. code 1681a ( 2 ) ( B ). Pursuant 15 U.S. Code 1681 ( B ) Permissible purposes of permission states that any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER - In response to the order of a court having jurisdiction to issue such order, or a subpoena issued in connection with proceedings before a federal grand jury - In accordance with the WRITTEN instructions of the consumer to whom it relates The term Identity theft is when someone uses your name, social security number, date of birth, or other identifying information without authority. This law states that as a consumer if I have not provided written permission/consent, theres no court order, and Santander Consumer USA is reporting anyways it is a violation. My next course of action is to file a complaint with XXXX XXXX Circuit courts for consumer violations and illegal debt collections practices. All supporting documents and exhibits are attached to the complaint. Please be advised that if my vehicle is sold at auction Santander Consumer USA will be held liable for the full amount of the vehicle, punitive damages, and any and all consumer violations that I have proven to be broken will stand in the eyes of the court of law. Please conduct yourself accordingly and resolve this issue before further legal action is required in which you will not be able to provide legal counsel to represent you in court and will effectively have no authority or jurisdiction in XXXX XXXX Circuit courts. THIS IS YOUR LAST AND FINAL WARNING. I am demanding the removal of any and all consumer reporting to all credit reporting AGENCIES since they are in FACT a medium and any consumer reporting should be conducted directly with the consumer upon consent. I am demanding the alleged balance be zeroed out, my vehicle returned, and my tile lien granted free or please provide a check to my mailing address for the full amount of the vehicle. Santander Consumer USA is only delaying the inevitable and must abide by FEDERAL LAW or face the highest form of prosecution. I am the only natural born persons in this relationship and I demand Santander Consumer USA identify me as such.

Company response to consumer: Closed with explanation