Consumer complaint received 2017-03-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle which was financed by Santander in approximately XX/XX/XXXX and my car was repossessed in XX/XX/XXXX. With that said, I have been trying to get this account off my credit because at worse, this account should have been taken off of my credit report in XX/XX/XXXX and still remains. 
On my report, the first delinquency shows as XX/XX/XXXX which has been pushed back from the actual date of delinquency in the earlier part XX/XX/XXXX at the latest. The high credit on this account is a little over {$16000.00} and apparently, I have paid from mid XX/XX/XXXX to mid XX/XX/XXXX a monthly payment of {$440.00} per month which would account for more than {$26000.00}, which would be over {$10000.00} of amount owed to satisfy this debt. However, I have k no idea where they applied the payments as this debt would have been satisfied per the credit reporting. Fast forward, when I try to have account deleted from my credit report as it should have already been, I am told by Santander that they are willing to accept the delinquent amount of {$5900.00}. How do I owe {$5900.00}? Although I have been delinquent, how do I owe {$5900.00}? doing the math, the vehicle should have been paid for in full, and after it was repossessed, it was sold. if it was sold for said amt. 
why was n't that amount deducted from balance so called owed? 
I have called several times and told different amounts of what the car was sold for, one account, the car was sold for {$5000.00}, another account, it was sold for {$4500.00}, another time I was told it was sold for {$3500.00} to {$5000.00}. Which is it? I again ask for a statement of all transactions done with Santander and transaction of the vehicle being sold, what I received was a blurred copy and my signature. I called again and have n't received anything since. I have been questioning Santander on all of this and get nothing. The blurred copy of the history of payments is the best I received. Lastly, after all of this, I received a XXXX when I received it, I called XXXX credit bureau and the representative called Santander, he addressed himself and advised that I was on the line and wanted to know why they sent the XXXX and why is this account still on my credit report. The representative from Santander advised that I could make a payment right now to satisfy the debt. I advised that I should no longer owe this debt due to the amount of months I 've paid on this account, the fact that they sold the vehicle in question AND, that I filed the XXXX on our taxes last year when I had no intention to but no one from Santander would speak to me when I questioned the form and continued to put me on eternal hold led to file the form has me now, paying the IRS. I did call again after we filed our taxes and that 's when I was able to speak to someone. When I explained that I now have to pay the IRS due to the XXXX filed, I was again, told they could take my payment of {$5900.00} today. 
I explained again, it is not ok to pay a debt that should have been resolved by length of pay, IRS, then paying you today? the representative stated, " we wo n't see the IRS money you send them, you need to pay us now. '' I stated, " at this point, I 've paid 3 fold and this needs to be taken off of my credit. This debt is old, the date has gotten pushed back to keep it on my credit report. 
And the information between all XXXX bureaus is inconsistent. This needs to be taken off all XXXX credit reports as it should have been over a yr. ago at worse.

Company response to consumer: Closed with explanation