Consumer complaint received 2018-02-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXXI went with my sister to get a car for her business.She decided to go to XXXX around 4 or 5 pm. I spent about an hour waiting in the car for her to get done because she needed someone to drive the vehicle back. When she came outside she let me know that they had advised her to get a cosigner. I let her know that I only make about 8k a year so I wasnt sure if i would help but i would try. When we sat down with the car salesman he presented me with a contract. I wasnt given a chance to read it im not sure if it was because they were about to close, but they had all of the signature places highlighted and directed me to sign and initial the contract. I did not receive a copy of the contract at that time. I also never received in documentation of the payments required, the principal amount or even given access virtually to this information. 
It wasnt until there were multiple late payments listed in early XX/XX/XXXX that I noticed there was an issue of non-payment. I reached out to my sister but she was unresponsive. I tried to reach out to Santander multiple times, On our first call, they asked me for my address and phone number, Which proves they never had my information in the first place. After several attempts to resolve the issue with Santander by phone and by mail I was forced to file a complaint with the XXXX. Through the XXXX I was supplied the contract which I will include for documentation purposes. You can see that in XX/XX/XXXXthe XXXX XXXX XXXX XXXX address that was mentioned was not my address. I lived with my dad at XXXX XXXX XXXX which he will verify upon request. I will include picture of ID for further verification. I did not receive mail from either XXXX or Santander to either of these addresses. I also noticed that the car had been transferred out of state without notice to me after reviewing the contract that they sent to me through the XXXX. They never attempted to repossess the car per my knowledge and now the car has conveniently disappeared. I told them that I didnt know where the car was but I told them to repo it and per their own documentation they did have knowledge of its location that wasnt expressed to me until my complaint with the XXXX. They obviously didnt do their due diligence in trying to get the vehicle or they did and never reported it. 

After the complaint they did not send me any more information or try to solicit payment. The account was then put into charge off status, again another aggressive move without notice and it wasnt until after then that I started receiving calls. Yet even in its current status they continue to increase the balance of the debt and add additional late payments. Also there are discrepancies between the bureaus reporting of the account. I believe that XXXX is still reporting late payments and it shows a charge off date in XX/XX/XXXX. While transunion just shows last payment which was in XX/XX/XXXX and an unknown charge off date. They have increased the debt amount since then, which I had to dispute separately. And if you look at the document with the contract you can see the inconsistencies.

Company response to consumer: Closed with explanation