Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5990886
Complaint Overview
Complaint ID: 5990886
Company: Santander Consumer USA Holdings INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Alabama
ZIP Code: 36109
Date Received: 2022-09-16T12:00:00-05:00
Date Sent to Company: 2022-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This company is continuing to report a 30 day late when in fact it was an accident and total loss and they were paid out. After the accident when I report the accident to the company I asked what I have to do going fwd and the lady on the phone said that if the accident was reported to my insurance and I said yes. She then said the insurance company would handle the rest of it from their end. When I asked about how the payout works she said that as long as the gap insurance covered the balance then should be nothing else owed but if not I could owe. I then told her that XXXX already said they were covering the full cost. She then said that I should be fine and then I did not have contact with them until later when I seen a 30 day late. So for years I have been trying to get them to remove the late. They have record of when the accident was. They have the full payout so there was nothing else I could have provided. To have this remain on my credit and hurt my credit serves them no purpose. Their company gets nothing out of it but I have been continued to have this as a mark against me. There was nothing for me to hide or not pay them for outside of the fact it was a total loss and they were getting the payout from the insurance company.
Frequently Asked Questions
What is Complaint #5990886 about?
Complaint #5990886 was filed against Santander Consumer USA Holdings INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-09-16T12:00:00-05:00.
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.