Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4495521
Complaint Overview
Complaint ID: 4495521
Company: Santander Consumer USA Holdings INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 76248
Date Received: 2021-06-26T12:00:00-05:00
Date Sent to Company: 2021-06-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a mortgage pending! This company Santander USA is a fraud! I put XXXX down on a XXXX XXXX XXXX with them and, I had all of the car payments set up on automatic draft monthly with my old XXXX XXXX account which I closed down at the end of XXXX! I was sitting at a red light on XXXX and, I was rear ended while sitting still at XXXX in a XXXX mph zone and, the car was totaled out! The car payment was XXXX monthly however with taxes and, processing fees they took out way over that amount monthly as I will send in the document provided below! On my XXXX report which they didnt change they had that I pay the XX/XX/XXXX payment late and, XX/XX/XXXX 30-59 days late that is wrong! They drafted the XXXX payment on XX/XX/XXXX which was one day before XXXX out of the XXXX XXXX account! In addition I sent proof to XXXX & they updated it the exact same! I am furious my XXXX XXXX agent got a pay amount from from them and, they got a payoff, a diminishing value and, a gap insurance check which all went directly to them by XX/XX/XXXX! Which was well over what they quoted the payoff was & an additional XXXX from me also! XXXX XXXX is reporting XXXX and, I sent them profs of payment also! It wasnt a XXXX it should report OK. They got a XXXX & XXXX payment although the car was in a salvage yard & undriveable since XXXX when I was rear ended in it XXXX & they didnt even give me a pro rate for XXXX or XXXX by XXXX my insurance company paid this car in full! Then on XXXX they have that o have a 30-59 day late for XXXX of XXXX I didnt have an account anymore these people didnt pro rate XXXX, or XXXX they got a car payment 3 insurance checks one from gap, XXXX & a diminishing value check all by XXXX of XXXX! On both XXXX & XXXX they stated I settled it for less like its a charge off or a VOS which is killing my excellent credit! It was paid in full not settled for less not underpaid either it was over paid and, I didnt have a account XXXX of XXXX so the XXXX XXXX XXXX late is totally wrong! I need this corrected ASAP I have a mortgage pending this is awful. I was a great customer to them! Years later Im fighting this now I need a mortgage
Frequently Asked Questions
What is Complaint #4495521 about?
Complaint #4495521 was filed against Santander Consumer USA Holdings INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-06-26T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.