Consumer complaint received 2017-04-21
Company: SANTANDER BANCORP
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
( Fu ll complaint appears in pdf document calle d My CFPB complaint against Santander, inc luded with the files to support my complaint her e. ) The evidence shows, Banco Santander is doing the following, trying to summarize.1.  On  XXXX   XXXX    XXXX  ,  XXXX   XXXX  from  Banco Santander,  offered to me over the phone, a Payment Arrangement with the same  Santander Bank of Puerto Rico  ; by this time, the account was not sold yet to  XXXX   XXXX , or to any other  Collection Agency a t all, and this was confirmed by the same  XXXX   XXXX  on that same phone call ( pdf :  XXXX   XXXX   XXXX    XXXX   phone call  XXXX   XXXX    XXXX    XXXX  page  XXXX  de  XXXX  ) 2. On  XXXX   XXXX ,   XXXX  , I, made the required first payment of this Payment Arrangement, and this is confirmed by the letter dated  XXXX   XXXX    XXXX  , from  XXXX   XXXX   XXXX  of the same  Banco Santander de Puerto Rico.  This letter certifies th e Payment Arrangement, and  it is sent only after the first payment of this arrangement is received by the Bank.3. On  XXXX   XXXX ,   XXXX  , Santander informed with another letter, received on the first days of  XXXX    XXXX  , that they sold this Master Card Credit Card I have with them to collection agency  XXXX   XXXX , no matter this same account was under a certified payment agreement with their own Bank, because the first payment of this same agreement was made on  XXXX   XXXX    XXXX  , and the letter made next day by  Santander Ba nk certifies this payment agreement.  XXXX . See pdf named  Banco Santander is do ing the following to summarize ; the letter dated  XXXX   XXXX    XXXX   fro m Santander was l ost, but documents from  XXXX   XXXX  Law Offices, assigned by  XXXX   XXXX  Representative in  XXXX   XXXX  dated  XXXX   XXXX ,   XXXX  , and  XXXX   XXXX  Letter, dated  XXXX   XXXX ,   XXXX  , and the black and white copy from  XXXX  alerts of  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX   shows evidence that this account was sold and it is still under  Collection Agency   XXXX   XXXX . Also was included, the latest  XXXX   XXXX  response from  XXXX   XXXX ,   XXXX  , in which they indicate also, that a complaint could be filed here at the C.F.P.B. again st Santander, th e company which reported they sold the account to th e Collection Agency,  after been paid under payment agreem ent. 5.  On  XXXX   XXXX ,   XXXX  , Santander wrote a letter to me, in which they informed they received my complaint of  XXXX   XXXX ,   XXXX  , in which I asked Santander, to correct the information appearing on my credit report ; because the account was sold.and that they the same date  XXXX   XXXX ,   XXXX  , proceeded to make the adjustments asking  XXXX   XXXX ,  XXXX , and  XXXX , to update my information so my account appears as active and with a balance of {$5600.00}, which is a lower balance than the  XXXX  reported by  XXXX   XXXX  on the  XXXX   XXXX    XXXX  , which was {$6100.00}, exactly {$510.00} less.  XXXX . The  XXXX   XXXX ,   XXXX   letter from  XXXX  Bank  XXXX   XXXX   XXXX , clearly says the account is active (  XXXX  in  XXXX   ) a nd with a lower balance than the one I was able to pay by that time, but becau se Santander b locked this account I have with them from their own Bank Website I am unable to send you a print screen image of it, or to send a Statement of Account from Santander because this same account was sold to  XXXX   XXXX . No matter it appears this same account is active w ith Santander the fact it  is still active but at  XXXX   XXXX , th e Collection Agency, not in Santander,  and I ca n't see this same account at the Santander website either, so I ca n't send images of my payments, and balances, with the dates either to the C.F.P.B. This was confirmed once again by  XXXX   XXXX , after repeated claims on my part, last  XXXX   XXXX    XXXX  . ( jpg  XXXX   XXXX   XXXX   XXXX   XXXX  to  XXXX  )

Company response to consumer: Closed with explanation