Consumer complaint received 2022-06-27
Company: FIRSTBANK PUERTO RICO
State: PR
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:
I decided to include XXXX XXXX XXXX XXXX, because their previous pre approval denials to myself are for the same unfair reasons included here in this complaint, as well as on my more than XXXX complaints filed against Santander and XXXX XXXX, as well as the unthinkable, XXXX Bank, who granted me a loan that I evidenced to them it was to fully update the Santander loan, then they bought Santander division here in XXXX XXXX for {$1.00} XXXX, and decided not to recognize the verifiable evidence showing they granted me the loan, it was used exactly for the purpose I informed to them XXXX in XX/XX/XXXX, and that loan as well as the updated XXXX at santander were both paid as agreed since years ago. I am including evidence about why I can't re apply for pre approval at XXXX XXXX XXXX, their division, no matter their emails keep arriving constantly to my XXXX account recently. Do not know if XXXX XXXX considers this evidence. It was sent through here so it can arrive faster, and for them to see, if they assign a person not a machine to evaluate, that the Fair Credit Reporting Act violations are allowed, as well as Fair Debt Collection Practices Act violations, and nobody does anything about it : XXXX Bank does not provide a space under their pre approval form with no penalty to credit score that I submitted today XX/XX/XXXX, and was denied because as shown in their online provided document, a serious delinquency appears, no matter the evidence I included even up to the Supreme Court shows all that is false, but no matter, no one did anything at any level, credit bureaus, the same Banks Santander and XXXX XXXX, I have to say also the XXXX, which has resources to face this Banks better at the XXXX XXXX when there are violations to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I ask XXXX to put someone, not a machine, to evaluate all this evidence : A summary could be this : Have you ever heard of XXXX main banks presenting themselves as a collection agency at the XXXX credit bureaus? Have you ever heard of XXXX accounts paid only and directly to the original bank, been reported as failed to pay, loss, and on a collection agency, when all that is false? Have you ever heard on main bank reporting a certified payment agreement for a credit card with them, paid directly to them, to the original account number, never to a collection agency, and paid successfully as agreed for XXXX months as the agreement has in writing, being reported as failed to pay, loss, collection, and even as of today, a credit report it still has remaining balance, after more extinguishing all procedures, starting with the same Bank, then the credit bureaus, then the CFPB, and then the XXXX XXXX Courts, but no one did anything? Have you ever heard of a main bank prohibiting a client to continue to pay a personal loan after it was fully updated directly with the same Bank, never to a collection agency, after years it was fully updated and paid as agreed for years after updated, in order to keep reporting without never updating the credit report it was a loss and under collection no matter it is false? All this and more was taken as a last resource to the Supreme Court of the XXXX as well as the XXXX. Corruption Division where frauds by Banks are also investigated, but nothing is happening : Only the pre approval denial like yours at XXXX continue.

Company response to consumer: Closed with explanation