Consumer complaint received 2022-09-06
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I was leasing and traded in a XXXX XXXX XXXX XXXX, leased through Chrysler Financial ( Also known as Santander bank ). I traded this vehicle for a XXXX XXXX XXXX XXXX. A month later Chrysler tried to make me pay for the full year of XXXX Massachusetts Excise taxes on the XXXX Compass. I told them they had to file for an abatement with the town, and I would pay only what I owed, which was from XX/XX/XXXX to XX/XX/XXXX. For the next YEAR Chrysler continued to harass me to pay the full amount. Representatives from their company threatened to take away my current car, told me that the bill they were asking me to pay was the amount after the abatement ( which was a lie ). Non stop for over a year they threatened me. I finally filed a complaint with the Massachusetts Attorney Generals office. Once the attorney general got in touch with them, they decided to waive the portion of the excise tax that I owed, but they deleted my entire account payment history from their web site, and despite the Attorney Generals demands it be reinstated, they refused. They lied claiming they could not reinstate it. They sent me a poorly written open ended letter stating the lease was paid, but something to the effect if any errors were found in later accounting they could still come after me for it. They refused to change that language in the letter despite the lease being fully paid by the dealership I traded the vehicle to. A few months passed, and I was alerted to a massive drop in my credit score. Chrysler had reported 120 days delinquent on the XXXX XXXX lease. I was NEVER EVER late with a payment on that vehicle lease. I tried to call Chrysler Capitol Financing however they've got my number blocked in some way now, that if I call, it transfers me to an extension that rings non stop and nobody ever answers it. I immediately got in touch with the Massachusetts Attorney Generals office again. I had been warned by another Chrysler Financial customer to keep an eye on my credit report, as he had done battle with them for his title, and for revenge, Chrysler put lies on his credit report. Now as a result of Chrysler putting the 120 days past due lie on my credit report, XXXX of my credit card companies drastically reduced my credit line with them, further dropping my score. My score went from Good, to Poor in under a week because of Chrysler lying on my credit reports. This will impact me for YEARS! My current lease with them ends in a year and a half and what they have done to me now will make it impossible for me to lease or finance another vehicle without paying substantially increased interest rates! The Massachusetts Attorney General got Chrysler to remove the XXXX day late remark from my credit bureau reports, but the damage is done. I only regained XXXX points of those lost by their revenge lie. The credit card company refuses to reinstate my credit line for XXXX days to to make sure the lie doesnt come back onto my credit report again. And if it does, they said they will further reduce or possibly cancel my credit card all together. I am a single and XXXX person, I work hard to make sure that I keep my credit score up, and Chrysler has absolutely destroyed my credit now by taking revenge on me for reporting them to the Attorney General. I am 100 % sure that by reporting them again to the Federal CFPB, they will likely take further revenge and hit my score again. What they did to my credit report was insert a remark stating " 120 days past due ''. But the payment history still showed on time, and still said " closed paid as agreed ''. However the creditors and apparently the credit bureaus themselves dont pay any attention to the fact its an obvious lie by Chrysler/Santander XXXX inserted for revenge purposes. I need help. The Massachusetts AG said she's done all she can with them. They refuse to comply by reinstating my payment history they deleted from my account, and I need something in writing from them stating what they did to my credit reports was a lie so I can get my credit fixed. They need to contact ALL XXXX credit bureaus and make sure my score is fully reinstated to what it was before they slashed it! I will never ever buy another Chrysler product or ever finance through Chrysler or Santander ever again. This has to be illegal what they did to me, and they need to be harshly punished! 
You may verify all this with the MA AG 's office at : XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | NorthwesternDA.org XXXX XXXX XXXXXXXX, XXXX, MA XXXX XXXX ( XXXX ) XXXX PLEASE help me! 
My phone number is XXXX

Company response to consumer: Closed with explanation