Debt collection -- Attempts to collect debt not owed -- Complaint #16224225
Complaint Overview
Complaint ID: 16224225
Company: Santander Holdings USA, INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29420
Date Received: 2025-09-27T12:00:00-05:00
Date Sent to Company: 2025-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the reporting of a voluntary repossession on my credit report from XXXX XXXX XXXX XXXX I made multiple payments on this account prior to the voluntary repossession, but the reporting does not accurately reflect my payment history. Furthermore, the dealership handled the account in a way that may have resulted in inaccurate or incomplete reporting. I request that the account be investigated and verified with proper documentation of payments. If the lender can not substantiate the reported information, I request that the account be corrected or removed from my credit report.
Frequently Asked Questions
What is Complaint #16224225 about?
Complaint #16224225 was filed against Santander Holdings USA, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-09-27T12:00:00-05:00.
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 (Debt collection) 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.