Christopher L. Martin v. Santander Bank

CourtDistrict Court, D. South Carolina
DecidedJune 9, 2026
Docket2:26-cv-00911
StatusUnknown

This text of Christopher L. Martin v. Santander Bank (Christopher L. Martin v. Santander Bank) is published on Counsel Stack Legal Research, covering District Court, D. South Carolina primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Christopher L. Martin v. Santander Bank, (D.S.C. 2026).

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF SOUTH CAROLINA CHARLESTON DIVISION

Christopher L. Martin, ) C/A No. 2:26-cv-00911-RMG-WSB ) Plaintiff, ) ) v. ) REPORT AND RECOMMENDATION ) Santander Bank, ) ) Defendant. ) )

Plaintiff, proceeding pro se and in forma pauperis, brings this civil action against Santander Bank (“Defendant” or “Santander”). Pursuant to 28 U.S.C. § 636(b), and Local Civil Rule 73.02(B), D.S.C., the undersigned United States Magistrate Judge is authorized to review the pleadings for relief and submit findings and recommendations to the District Court. For the reasons below, this action is subject to summary dismissal. BACKGROUND Procedural History Plaintiff commenced this action by filing a Complaint along with various Motions. ECF Nos. 1 (Complaint); 2 (Motion for leave to proceed in forma pauperis); 5 (Motion for Preliminary Injunction and for Temporary Restraining Order); 6 (Motion for Immediate Hearing); 7 (Motion to Expedite Consideration). By Orders dated March 13, 2026, and April 15, 2026, Plaintiff was instructed to bring the case into proper form by filing the necessary paperwork. ECF Nos. 9; 15. Plaintiff belatedly complied with those Orders.1

1 On May 11, 2026, the undersigned entered a Report and Recommendation (the “R&R”), recommending the action be dismissed for failure to prosecute under Rule 41(b). ECF No. 18. 1 On May 29, 2026, the Court entered Orders denying Plaintiff’s Motion for Immediate Hearing and Motion for Expedited Consideration. ECF Nos. 28; 29. The undersigned also entered a Report and Recommendation dated May 29, 2026, recommending that Plaintiff’s Motion for Preliminary Injunction and for Temporary Restraining Order be denied. ECF No. 30. That Report remains pending.

By Order dated May 29, 2026, the Court notified Plaintiff that, upon screening in accordance with 28 U.S.C. § 1915, the Complaint was subject to summary dismissal for the reasons identified by the Court in its Order. ECF No. 34. The Court noted, however, that Plaintiff might be able to cure the deficiencies of the Complaint and granted Plaintiff twenty-one days to file an amended complaint. Id. at 10. Plaintiff was notified that “an amended complaint replaces all prior complaints and should be complete in itself.” Id. Further, Plaintiff was specifically warned as follows: If Plaintiff fails to file an amended complaint that corrects those deficiencies identified [in the Court’s Order], this action will be recommended for summary dismissal without further leave to amend.

Id. at 10–11 (emphasis omitted). Plaintiff filed an Amended Complaint, which was entered on the docket on June 8, 2026.2 ECF No. 37. Plaintiff also filed a Motion for Various Relief, which the Court has addressed by

After the Court received Plaintiff’s filings in response to the proper form Orders, the undersigned vacated the R&R on May 29, 2026. ECF No. 27.

2 Plaintiff’s Amended Complaint was emailed to the Charleston Division of the Clerk’s Office. By Order dated June 8, 2026, the Court instructed the Clerk to file Plaintiff’s Amended Complaint, but notified Plaintiff that emailing documents for filing was not proper and that in all future filings, Plaintiff must follow the traditional filing method under this Court’s rules and procedures. ECF No. 36

2 separate Order; however, that Motion contains certain representations that the Court will consider herein. ECF No. 38. Although an amended complaint replaces all prior complaints, the Court will consider the allegations contained in both the original Complaint and the Amended Complaint out of an abundance of caution and to give liberal construction to the pleadings in this case. Factual Allegations from the Original Complaint

Plaintiff made the following allegations in his original Complaint. ECF No. 1. In the Complaint, Plaintiff lists an address in Summerville, South Carolina, but appears to be living in Medellin, Columbia. Id. at 1, 10. He asserts the basis for federal court jurisdiction is federal question under 28 U.S.C. § 1331. Id. at 3. He lists the Americans with Disabilities Act (“ADA”), 42 U.S.C. 12182 (“Title III”) and § 12203 (retaliation); the Consumer Protection Act, 12 U.S.C. §§ 5531, 5536; the Protection of VA Disability Benefits, 38 U.S.C. § 5301; and 28 U.S.C. § 1391 (venue generally) as the federal statutes at issue. Id. at 3, 6, 7. Plaintiff states that he maintains a checking account with Defendant. Id. at 7. He claims the account only receives federally protected VA disability benefit as deposits. Id. In August

2025, Plaintiff’s bank account was allegedly restricted without cause or notice. Id. Plaintiff asserts that he called Santander and an agent told him to go into a branch or get a notarized letter, which Plaintiff obtained. Id. He claims that agent Jollie refused to accept the notarized letter and told him it had to be notarized at the U.S. Embassy in Bogata, Colombia on a recorded call. Id. Plaintiff filed a complaint with the consumer finance protection bureau, and the restriction was removed. Id. On January 30, 2026, Plaintiff successfully withdrew approximately 1.5 million Colombian pesos from an ATM. Id. When he attempted another withdrawal the same day, his account was allegedly restricted “without notice, explanation, or cause.” Id.

3 Plaintiff claims that he incurred out-of-pocket expenses to purchase international calling minutes to contact Santander. Id. at 8. He alleges that agents repeatedly instructed him to visit a Santander branch, “despite Plaintiff informing them that no Santander branch exists in Medellin, Colombia, where Plaintiff resides.” Id. He alleges that on January 31, agent Spencer claimed the restriction was caused by a credit bureau block, but could not identify the bureau, provided no

documentation, and terminated the call. Id. Agent Jody allegedly stated there were no blocks or holds on the ATM card. Id. Plaintiff attempted another withdrawal and the ATM card failed. Id. An unidentified person at Santander allegedly stated the restriction was an internal bank block. Id. Plaintiff allegedly contacted Experian and Equifax and confirmed that no credit bureau block existed. Id. Plaintiff claims that Santander “refuses to accept Plaintiff’s current foreign address or valid working foreign telephone number.” Id. Plaintiff asserts that Santander requires him to disclose his real-time physical location and remain on the phone during withdrawals, or face further restrictions. Id. He alleges that Santander previously canceled his ATM card without cause, refused to mail replacements to Plaintiff’s

current address, and forced Plaintiff’s family members to incur expenses for forwarding banking materials. Id. Plaintiff claims he filed a lawsuit (he does not identify the case number or jurisdiction) against Santander in August 2025. Id. Plaintiff asserts that the January 30 account restriction occurred after his alleged protected activity and constitutes reprisal and retaliation. Id. On February 25, 2026, Plaintiff’s bank account was allegedly restricted again. Id. He asserts he spoke to agent Luis who treated him abusively and placed him on multiple holds. Id.

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Christopher L. Martin v. Santander Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/christopher-l-martin-v-santander-bank-scd-2026.