Consumer complaint received 2020-11-17
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Santander USA Consumer is still up to there deceitful tactics in trying to harm me financially.I am filing this complaint against Santander Consumer violating my rights under the FRCA and FDCPA. The third party XXXX XXXX XXXX did delete it from my credit report but Santander Consumer is still reporting it on my credit report account # XXXX. I have been in contact with FTC they told to reach out one more time to see if they would delete this item from my credit .I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX There are multitude of violations that they are harming me as consumer by reporting : 1 ) They are reporting to the credit bureaus inaccurate history which causing financial harm and defamation : US Court of Appeals , Ninth Circuit , No.00-15946, Nelson vs. Chase Manhattan . Extent of damages incurred by the wronged party will be deemed by the courts. 2 ) They failed to report to the credit bureaus that it is being disputed. Protection under the FCRA Section 623 fine of {$1000.00}. 3 ) The credit bureaus refused to correct information after I proved proof of inaccuracy, willfully injuring. Protection under the FCRA Section 623 CUSHMAN v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220.4 ) Santander Consumer are " Reaging '' my account by reporting the date of last activity instead of the date of 1st delinquency. Consumer Protection afforded by FCRA Section 605 ( c ) fine of {$1000.00}. They also are not showing on my credit the charge-off amount and the 7 year reporting is not listed. As a consumer according to the Attorney Generals Office claimed that Santander Consumer USAs subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default. I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC. So, as I stated XXXX XXXX XXXX who brought the loan from Santander Consumer did deleted from my report. They could have kept on there for 7 year but they knew they were inviolations.So, I am asking one more time yes I have been told by the Assistant Attorney General I am going get paid because of Santander Consumer actions against me. I don't want the money I just want them to do right and have this item removed from my credit report. If they dont delete these items from my credit report for the violations to forwarded it to the Assistant Attorney General office that is over sending the money to the consumers that were validated. So, they can file legal actions. This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; Santander Consumer XXXX XXXX XXXX XXXX Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office. I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit. I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint in respond to the letter I received from Santander Consumer USA on XX/XX/XXXX.. The Assistant Attorney General Office said that Santander Consumer USA that there charge off be removed from credit report under there name. This is under terms of relief for the consumer : engaging in credit repair for affected consumers. Please remove this item with every CRA asap.

Company response to consumer: Closed with explanation