Consumer complaint received 2023-11-09
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander repossessed my vehicle after my family was XXXX XXXX XXXX  and couldnt work.I borrowed the money from family and got the car back as soon as they would release it. They took the car from a busy mall parking lot where my XXXX XXXX XXXX daughter had driven her car to. She was alone and stranded. They put a gps without my knowledge. I wasnt hiding the car, but arrangements were made to catch up payments. They went and took it from a very busy parking lot at a mall. The issue is this. I didnt notice until a year later my payments Im making only show Charge off. Every payment has been I time since then but not 1 payment on my credit report shows the truth. Its shows CO. They finally told me they can do a charge off of a car goes 120 days over due date. Mine was not 120 days late. The files attached will show you that they recently edited payment status on my credit report to change XX/XX/XXXX to 30 days late. Previously it shows current bcs it was. Then XX/XX/XXXX you can see 2 payments were made then also. They said in may it became 120 days over due. Thats how they said they can list as charge off without updating my payments that I make each month as current. This has ruined my credit. Its destroying my families lives. Please have this removed from the credit bureau. My payments have been on time for over a year and almost half. It doesnt reflect that at all. Theyre trying to cover their tracks bcs recently they edited a payment history on my credit report to show XX/XX/XXXX as 30 days late, when previously it showed XX/XX/XXXX as current. They did this to fit in with the lies being told. Due to XXXX my family was super sick and had a 2nd repossession. They are claiming it was 120 days late but it was not. They said after 120 days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract I signed. They told me they didnt have to disclose this to me. It took a long time for me to finally be told this information. They have ruined my credit due to grossly reporting inaccurate info. I have paid on time for 1-1/2 years, but they wont report 1 single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a CO, and also closed account on my other credit report when Ive been paying on time for going on 2 years. This is a gross misinterpretation of the truth. It is destroying my families life! payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was 120 days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX of {$290.00} and 2 payments in XXXX to get it current. They are a sneaky company doing consumers wrong. My score dropped XXXX points after the reason edit. Please help me. The XXXX is involved now also, and have been communicating to Santander USA. Im paying on time every month but all it shows is CO. How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a XXXX mother of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely from my credit reports. 
1-I am attaching proof of the edit Santander made on my credit report recently XX/XX/XXXX. Youll see the before & after. 
2- Im attaching the payment history as shown on my credit report to show payments were made in XX/XX/XXXX and XX/XX/XXXX. They repossessed it in XX/XX/XXXX. 
3- Im also sending a current bill from them to show you my status is current. 
I demand justice pls.Santander consumer USA are horrible! My account number with Santander is XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XX/XX/XXXX. Also the entire account is pictured with all info in attachments. Thank you

Company response to consumer: Closed with explanation