Consumer complaint received 2021-01-03
Company: SANTANDER BANCORP
State: PR
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

Complaint:
To summarize, with more details below for XXXX XXXX XXXX XXXX, Santander Bank, ( main office in XXXX, and or United States, after Santander Bank of Puerto Rico Division was sold to XXXX XXXX, but Santander Bank still exists ) - Santander is not a collection agency : is the financial institution where the credit was originally granted in the case of this 2 accounts, and where this same 2 accounts were paid as agreed, until the payments for the loan, were prohibited? 
See evidence : Document XXXX XXXX XXXX XXXX HOW IS THAT NOBODY FOUND THAT STRANGE OR IS THAT THIS WAS CLEARLY SEEN BUT NOBODY CARES, AS THE EVIDENCE INDICATE - The Certified Payment Agreement for a XXXX  XXXX Master Card with Santander Bank was made to be paid directly and only to the same Santander Bank, faster, it was optional, and never included verbally, or in writing, the option for the Bank to sell this credit card to a collection agency, after the agreement started and was certified in writing? See evidence : XXXX XXXX XXXX and Merge Result Document - Is not correctly reported, not even after it ended with all payments on time!!! 
See evidence : Document Merge Result ( 16 pages from Federal Court Document ) and Documents called XXXX XXXX XXXX XXXX XXXX  XXXX MasterCard XXXX XXXX From Document called 2nd Brief XXXX XXXX XXXX not included, in case someone decides is worth a look, too large exceeds file limit here. 
evidence shows Judges do not care, much less others. 
Supreme Court Document from XXXX XXXX XXXX included : XXXX See also Document Rehearing Denied Details below : Today, Saturday, XX/XX/XXXX, I received by regular mail 2 letters from XXXX XXXX XXXX XXXX related my complaint number XXXX - XXXX filed through the C.F.P.B. about the incorrect credit reports made by XXXX Santander Puerto Rico over the past years regarding my 2 accounts I paid to them as agreed, no matter, Santander Bank never wanted to recognize the facts at the 3 main credit bureaus unfairly affecting my credit report scores at the 3 main credit bureaus, and earning the unfair denial of the first option for a simple consolidation loan at XXXX XXXX XXXX XXXX, to which I applied last XX/XX/XXXX, and the application number ends in number XXXX as shown within one of the 2 letters from XXXX XXXX XXXX XXXX XXXX. 

This 2 letters from XXXX XXXX arrive nearly 5 months after their response to my C.F.P.B. complaint of XX/XX/XXXX, but the main reasons for this new complaint are not only to request that XXXX Santander updates my credit report regarding my Certified Payment Agreement for the XXXX MasterCard Credit Card I paid directly only to Santander Bank XXXX XXXX XXXX ; Is to emphasize the following facts, disregarded by Judge XXXX XXXX at the local U.S. District Court for the District of Puerto Rico, then by the U.S. Court of Appeals for the First Circuit in XXXX, MA, and then by the Supreme Court of the United States, under my Petition number XXXX last XX/XX/XXXX and on XX/XX/XXXX : This facts are the following : 1. Judge XXXX decision prevailed through the 3 federal courts system no matter he clearly wrote and quote : The Court does not weigh the facts Please refer included Document number XXXX Filed XX/XX/XXXX Page 2 of 10 Judge XXXX final opinion and judgment HAS NOTHING TO DO WITH THE VERIFIABLE EVIDENCE I SUBMITTED : FIRST, TO THE SAME SANTANDER BANK, THEN TO THE 3 MAIN CREDIT BUREAUS, THEN THROUGH THE C.F.P.B.TO THE 3 CREDIT BUREAUS, AND SANTANDER BANK AT THE SAME TIME, THEN TO 3 FEDERAL COURTS, HAVING THE SUPREME COURT AS ONE OF THE LAST RESOURCES, BUT THEY SEE CASES BY PETITION, AND RECEIVE BETWEEN 7,000 TO 8,000 PETITIONS EACH YEAR AND DECIDE TO HEAR ONLY A FEW. 

2. There is another federal agency that investigates frauds committed by business and government professionals, and this includes the federal judges, no matter how complex, please see https : //www.fbi.gov/investigate/white-collar-crime 3. I really do not see what the complexity is in this specific case, because : - Santander Bank is not a collection agency, but the original financial institution where my credit for the Santander Personal Loan and Santander XXXX XXXX Master Card were originally granted. 

All my constant communication, since XX/XX/XXXX before a problem started affecting my payments with Santander Bank was maintained since a discrimination problem at work affected my regular monthly payments to this 2 referenced accounts, through the granted payments extensions for the loan, which require a payment, and for the credit card also through their Central Office Bank Officer named Mrs. XXXX XXXX back then, and this evidence was presented to Santander, the credit bureaus, the C.F.P.B., and to the 3 federal courts ; See evidence included, original communication sent from Santander XXXX Branch as XXXX XXXX, and Scan 3 hand writing shown by female Santander Officer, and one of the many faxes sent from Santander XXXX XXXX XXXX Branch not all communication with Santander included.

- In the case of this 2 accounts with Santander Bank, I never decided to pay no attentionto the Bank and this problem, like other people that pay no attention and banks had no other choice than to sell the accounts to a collection agency : - that was not the specific case here at all : Santander Bank received constant evidence on my part of the status of my situation with my employer, which ended in a discrimination complaint I filed, and also ended at the 3 federal courts, but also all the payments extension and agreements were made and paid directly to the same Bank where the credit was originally granted, Santander Bank : 4. I was able to re-start the regular monthly payments back in XX/XX/XXXX, more than 4 years 4 months ago, but, Santander Bank decided not to specifically report all this to the 3 main credit bureaus. 

5. Instead, Santander Bank decided to report this 2 accounts as under collection, charge off, paid after loss, but all that is false : the accounts remained at Santander Bank, the original institution, after all this and by the time my regular monthly payments re-started : none of this 2 accounts had to go to a collection agency, because both were fully updated and paid as agreed at the same Santander Bank : SANTANDER BANK NEVER HAD TO CALL A COLLECTION AGENCY FOR THIS 2 ACCOUNTS : THEY DID IT BECAUSE THEY TRIED TO JUSTIFY SELLING MY CREDIT CARD TO A COLLECTION AGENCY IN SPITE OF MY CONSTANT COMMUNICATION WITH THEIR OFFICER XXXX XXXX, TO TRY TO RECUPERATE MOST OF THEIR MONEY FASTER ; - NO MATTER THEY HAD TO IGNORE ALL MY PAYMENTS EXTENSIONS, GRANTED BY THEM!! MY CERTIFIED PAYMENT AGRREEMENT, AND THAT I FULLY UPDATED WITH THEM THE LOAN BACK IN XX/XX/XXXX UNTIL THEY, SANTADER BANK, DECIDED TO PROHIBIT MY REGULAR MONTHLY PAYMENT TO THIS SAME LOAN BACK IN XX/XX/XXXX, TO MAKE THIS SAME LOAN ACCOUNT UNFAIRLY APPEAR AS FAILED TO PAY, WHEN THAT WAS NOT TRUE!!! 

- BY THIS TIME, THIS SAME LOAN WOULD BE 8 MONTHS TO BE FULLY PAID WITH A FINAL ADDITIONAL PAYMENT NOT SHOWN ON THE SAME LOAN NOTEBOOK WHICH IS USUALLY MUCH LOWER THAN THE REGULAR MONTHLY PAYMENT 6. NOW, SANTANDER BANK IS ALSO FAILING TO REPORT ON TIME THAT THE CERTIFIED PAYMENT AGREEMENT FOR MY CREDIT CARD ENDED EARLIER, WITH THE LAST 2 REQUIRED PAYMENTS MADE IN JUST ONE LAST XX/XX/XXXX. As I type this, XXXX XXXX, Saturday, XX/XX/XXXX Santander Bank has not reported this to the 3 main credit bureaus. 
This same Santander Jet Blue Master Card Credit Card is paid in full since XXXX XXXX, XXXX, but they do not care to report that on a timely manner after all this, presented once again here. See evidence included.

Company response to consumer: Closed with explanation