Managing the loan or lease: Vehicle loan or lease

The auto dealer committed severe mechanical fraud by clearing ECM codes to hide a $7100.00 dead engine cylinder. I have invoked the FTC Holder Rule ( 16 C.F.R. 433 ) in writing via Certified Mail to Santander 's Legal Department. Santander 's phone agents refuse to acknowledge federal law and are threatening my credit. I demand Santander place my account into an administrative dispute forbearance matching my $7100.00 fraud damage threshold while I litigate against their dealer