Vehicle loan or lease -- Getting a loan or lease -- Complaint #10415989
Complaint Overview
Complaint ID: 10415989
Company: Santander Holdings USA, INC.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Getting a loan or lease
Sub-Issue: Changes in terms mid-deal or after closing
State: Arizona
ZIP Code: 85224
Date Received: 2024-10-10T12:00:00-05:00
Date Sent to Company: 2024-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We entered the deal In good faith turn out it was fraud. I XXXX XXXX XXXX and not legally bonded to any thing that is manipulated/ tricked /chorused to. The deal was establish on fraud and I am not legally bonded to. Because we are under the Uniformed commercial code All financial statements should be under the commercial code otherwise it is securities fraud. Section UCC1. On reviewing our original contract and the contract bill of sale we noticed forged signatures and that the contract was not duplicate from the original. This IS NOT JUST illegal but identity theft for a purchase of a sale. The original creditor violated the contract just this alone is a violation of my consumer rights. I RESERVE MY RIGHT TO AMEND THE CONTRACT. Auto dealer fraud/Securities fraud/Extortion/insurance fraud thru gap insurance/the interest was charged without my knowledge/forged signature/company does not have original contract/increased amount on sticker price/forgery/idenity theft/ power of attorney, notary, and finance manager were represented as the same person. According to UCC1, all securities should be filed under the UCC system. There is not Lawful securities interest against XXXX XXXX or the vehicle. Certified copy of an UCC11 that there are not liens present. Affidavit the debt has been paid in full. As the day of all sum of charges. XX/XX/year>. The following laws have been violated as per contract, XXXX XXXX. I am able to legally revise and or back out of contract when deal was based on fraud. I followed the truth of the affidavit that the following laws have been harmful and have affected my life, my credit, my livelihood and my financial reputation I would like to recede my contract based on the following laws. FDIC llaws and regulations 1026.23 used vehicles of sale right to recede 15 USD 1605 determination of finance charge 15 USC 1602 L defines and provides rules for construction of sale 15 USC 1662M regulation of down payments 15 USC 1681 FCRA REGULATION OF CONSUMER RIGHT REPORTING AGENCY AGAINST PRIVACY RIGHTS 15 USC 1605 A THE SUM OF ALL CHARGES, PAYABLE, DIRECTLY OR INDIRECTLY BY THE CREDITORS AS AN INCIDENT TO THE EXTENSION OF CREDIT 15 USC 1681 governance, how consumer credit report records are access to CRAs 15 USC 1635 is a section of the truth and lending act 1000 federal deposit insurance act 15 USC 6802B option to opt out 15 USC 1629F6 unfair practice 15 USC 1692 abusive misleading practice 15 USC 1692C delete the account 15 USC 1681S2B fair report act 15 USC 1692EB. FDCPA, which is law that prohibits debt collectors from using unfair, deceptive and abusive practices when collecting consumer debts. 12 USC 412 draft of case bill of sale Auto dealer forged signatures from the bill of sale to the original contract.
Frequently Asked Questions
What is Complaint #10415989 about?
Complaint #10415989 was filed against Santander Holdings USA, INC. regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2024-10-10T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Santander Holdings USA, INC.?
Yes, visit the Santander Holdings USA, INC. company profile at readthecomplaint.com/company/santander-holdings-usa-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.