Consumer complaint received 2021-10-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Not sure if what I sent went through. Trying again to submit complaint. For 2 years I have been diligently working on obtaining an new home. I was approved for a home with credit scores in XXXX 's and above for XXXX XXXX. My next review of my scores will be in XX/XX/XXXX. 

My due date to make car payment is the XXXX of each month. In XXXX ( on or before the XXXX ) I received a call asking for payment. I sent {$490.00}. A few days later another call came in asking for payment and I sent another payment ( thinking that something went wrong with the first payment. Internet has been slow these past few weeks. So I contacted the company and asked for a copy of transaction history to see what had happen to my payments. I had the two confirmation text, but I was still getting calls so was concerned. I saw that I also had a email from fico.com stating that my credit rating had drop from Santander submission. I went to check and my Fico scores were now in the high XXXX. All three bureau had dropped my points by XXXX points. I was very upset and contacted Santander. 

I spoke to first Santander representative and she stated that my account was 30 days past due. I stated that my monthly due date was XXXX each month. She stated she did not see that in her system. I stated that it is in the system, because 3 years ago I requested the date change and it was approved so that my due date would fall near my pay date from work. I asked to speak with manager and a man name XXXX came on the line. He verified my payment date of XXXX ( employee ID XXXX ). I stated to XXXX that I had a copy of my payment transaction history from Santander for the last 2 years and it showed where I made 2 payment in XXXX ( which covered XXXX and XXXX ) within the 30 days time period and that this may have thrown off the count for them. XXXX referenced a XXXX missed payment, which I stated that that date was within the 30 day time frame as well and that that time period was marked over 30 days late as well in error. I asked if the mis-reporting could be corrected and he stated no that Santander does not make corrections to credit reporting on dates that fall out of the 30 day window. I stated to XXXX that for XXXX years, I have paid on time within the guidelines and at the end of the conversation I realized that this company did not want to admit their fault. 

I am providing the Santander transaction history for 2 years and a snapshot of myfico to show that every month I have pay within the guidelines and only have 2 past 30 days in which they are not past 20 days ( due date for payment is XXXX each month ). 

To say that I need this corrected asap is an understatement. For mortgages, the scores have to be XXXX and above and I was in the XXXX and high XXXX. 

I in turn need this corrected as I have done exactly what I was suppose to do.

Company response to consumer: Closed with explanation