Debt collection -- Took or threatened to take negative or legal action -- Complaint #4737631
Complaint Overview
Complaint ID: 4737631
Company: Santander Consumer USA Holdings INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Maryland
ZIP Code: 20748
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.
Frequently Asked Questions
What is Complaint #4737631 about?
Complaint #4737631 was filed against Santander Consumer USA Holdings INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-09-20T12:00:00-05:00.
How did Santander Consumer USA Holdings 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Santander Consumer USA Holdings INC.?
Yes, visit the Santander Consumer USA Holdings INC. company profile at readthecomplaint.com/company/santander-consumer-usa-holdings-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.