Consumer complaint received 2021-07-30
Company: Santander Consumer USA Holdings Inc.
State: IN
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:
I have disputed this account with this company with each of the 3 CRAs some of which I disputed more than once and except for one time the had the nerve to report as accurate each one that had results returned were updated proving that they were falsely reporting. The account closed date has changed about 4 or 5 times as has the last payment date and the amount which they took my money and did not subtract it from my balance as they even show on my last dispute they instead added XXXX $ to the balance which they legally can not do since the account is closed and some times its reported as in collection and some say profit loss written off but Ive never received one default letter then they came and took my car even though according to my bank account statement I was never 120 days behind but because each payment I did make for that month they only applied to the high interest rate payment they reported it late so Im not sure how they actually repossess my property after they wrote off the principal balance as a loss to their shareholders as one customer service agent told me on a recorded conversation about that. So they never sold the debt and they continue to say this is an attempt to collect a debt even though the Supreme Court ruled that this company cant refer to themselves as a debt collector to the consumer if they didnt purchase their debt from another source they cant refer themselves to me as debt collector because they acted as my lien holder and they only have the primary purpose of serving as a credit lender Im pretty sure that they need to sell my car in a reasonably time frame so they can inform me if I can buy my car back since the refused to give me my reinstatement fee for receiving my car back they also have never once sent a debt collector letter or one phone call.yet they report on my credit report sometimes yes and sometimes no that Im in collections but never once have I Gotten one letter or call and Im still waiting for the copy of my default letter from them, seriously why would I Have given them XXXX $ after I knew I was charged off! That money isnt even accounted for anywhere! This company just got sued in federal court in XXXX for exactly the same reason Im asking for your help with the have breached the order of consent that a federal court ordered for XXXX XXXX dollars just 8 months ago and they have no respect for the law and now they are just trying to ignore the very core of the law and think they can continue to break people which Im not the only person that feels this way but Im the one who will start the war because I have faith in the system that you will do the right thing to make them do what they are ordered to do they cant report my car as a loss then turn around and with no debt collector try to use it to make it an asset and hold me for the deficiency. Thats so wrong and on top of all of that the agreed with me that the copy of the bill of sale from the dealership that the give kickbacks to did not sign! 
There is absolutely no signature anywhere on that paperwork from the seller so actually this loan is not even binding and I can prove it because when I brought it to the attention of the creditor they did agree there was no signature on their copy as well But they are gon na just use the previous one that was void due to my wanting to Change my service warranty and then we had a new final agreements which they failed to sign which makes the agreement not binding! So therefore a retail agreement can not be final on a vehicle buyer order that doesnt have both signatures the buyer and the seller which means the terms are not official and you cant draft an agreement with the lender unless the price is mutually agreed upon

Company response to consumer: Closed with explanation