Vehicle loan or lease -- Problem with a company's investigation into an existing problem -- Complaint #11782451
Complaint Overview
Complaint ID: 11782451
Company: Santander Holdings USA, INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 92551
Date Received: 2025-01-26T12:00:00-05:00
Date Sent to Company: 2025-01-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Date Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Account Number XXXX Dear XXXX XXXX XXXX, I am writing to formally file a complaint regarding an issue with account number XXXX from a previous complaint I submitted. Despite my efforts to resolve this matter directly with the creditor, the negative information associated with this account remains on my credit report, causing significant harm to my creditworthiness. The account in question has been closed, and I believe the reporting of negative marks related to it is inaccurate and/or unjustified. I have attempted to address this matter with the creditor, but I have not received a satisfactory resolution. Therefore, I am requesting that the CFPB assist in ensuring the removal of these negative items from my credit report. I believe this issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and may involve inaccurate, incomplete, or outdated information being reported. I respectfully request the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my financial history. Enclosed with this letter are the following supporting documents for your review : 1. A copy of my credit report showing the negative items associated with this account. 2. Correspondence with the creditor regarding my request for resolution. 3. Any other relevant documentation related to this account. Please let me know if additional information or documentation is required to expedite this process. I can be reached at XXXX or XXXX if needed. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX Enclosures : Copy of credit report Relevant correspondence Supporting documentation
Frequently Asked Questions
What is Complaint #11782451 about?
Complaint #11782451 was filed against Santander Holdings USA, INC. regarding Vehicle loan or lease specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-26T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.