Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4907720
Complaint Overview
Complaint ID: 4907720
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: Florida
ZIP Code: 33470
Date Received: 2021-11-13T12:00:00-05:00
Date Sent to Company: 2021-11-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I purchased a XXXX XXXX XXXX just over 6 years ago. I made 72 payments on time and then, in XXXX last year I traded the vehicle in at XXXX XXXX Florida. Subsequently, I received notice in XX/XX/XXXX that Santander USA filed a 30 late notice on my account. I spoke with the Director of Finance at XXXX and he provided me a letter on their letterhead that due to Covid 19 they had a shortage of staff and thus the final payment was delayed. So after 72 months ( 6 years of on-time payments ), the dealership admits wrongdoing in a document signed by the Director of Finance. I also had my attorney provide a letter that stated that once I conveyed the vehicle to the dealership that I was no longer responsible for the vehicle. Thus, after providing these documents personally to Santander and XXXX, and then after hiring XXXX XXXX to submit our case, Santander has yet to remove the 30 day late. I'm an iXXXX and my credit is imperative. My next step is to file a law suit against Santander and I may be able to pursue damages. Santander is liable and they have a duty to acknowledge the auto dealerships admission of providing the late payment. If you can't get this done please obtain the contact name and address for service of process regarding this matter. I can provide the documents if you need them. Thank You, XXXX XXXX
Frequently Asked Questions
What is Complaint #4907720 about?
Complaint #4907720 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 2021-11-13T12:00:00-05:00.
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.