Consumer complaint received 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX and XXXX regarding the error that is being reported on my credit reports, XXXX has removed the old account. This account is an auto loan with Santander which was opened on XX/XX/XXXX, they have reported to the credit bureaus that I have made more payments on the vehicle showing the last payment made in XX/XX/XXXX. They also updated and restarted the account file on my credit report on XX/XX/XXXX. There are several discrespancies with this false and incorrect reporting. I purchased a XXXX XXXX XXXX from XXXX and Santander was the lender. The vehicle broke down 3 days after the purchase and continued to have mechanical issues the entire time I owned the vehicle. I have all of the reports on record every time the vehicle was taken to a mechanic it was added to the reports on the car. But on XX/XX/XXXX I made the last payment of {$610.00} and it posted to my chase account on XX/XX/XXXX. 
I called Santander to send someone to do a Willing Repo and remove the car. They came and picked up the car. I then rented a XXXX rental. XXXX passed and I was contacted by a group of attorneys representing consumers that were part of the Class action Lawsuit against Santander for Predatory Lending etc. ( Very easy to confirm ). Santander lost the Lawsuit. I received {$260.00} from the settlement, but I was also notified that some of the consumers in that lawsuit may have their debt forgiven and Santander may remove the debt from their credit files. So I contacted Santander around XX/XX/XXXX and asked them to forgive the debt and remove it due to the lawsuit and they did not respond to my request, but simply because I called regarding the Lawsuit they falsely reported that I had made payments on the vehicle for several more years after a willing repo. I was financially unable to do that, nor did I ever contact them to negotiate any debt. I have suffered all of these 7 years since my last payment on that vehicle. I have had to pay higher interest rates, and when trying to rent I have had to pay double deposits. I need help to be able to finally have a normal life again. I am so tired of what this has cost me. I will never do business with XXXX or Santander again. I drove that vehicle for the first year with the driveline hanging from one bolt and a manager from the repair debt. at XXXX in XXXX CA tried to call me a liar when I told him that I brought them the vehicle within two weeks after the purchase and notified them of the clunking sound coming from the transmission nearly a year prior. The manager searched his computer and stated that he had no record of that visit with the complaint of a clunking sound. Thank XXXX I had the print out that XXXX had given me in the repair dept stating that nothing was found, but also noting the reason I brought it in. I had taken the vehicle to XXXX nearly a year later and they found the driveshaft hanging by only one bolt ( Keep in mind that I had my XXXX children in that vehicle with me ) driving it when it was operable for nearly a year. Also the car was drinking the gas, XXXX dollars every two to three days. Then the crankshaft pully bolt snapped, found out later that there was a recall on the bolt! 
Please help me get my credit report corrected and back on track. This auto loan was due to come off of my report XX/XX/XXXX. I never contacted Santander to negotiate any debt, I inquired about forgiving the debt, and I have never agreed to any payment negotiations, or made any payment after XX/XX/XXXX. I have my bank statement that reflects the last payment of {$610.00} and the next months bank statement showing the XXXX rental car.

Company response to consumer: Closed with explanation