Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

I hoping you can help me. The account in on XXXX reporting open and that it should be close or written off .I am being reported delinquent. 
In XXXX I had a XXXX XXXX XXXX. It started having problems, shutting off midstream while driving. I took it to the XXXX dealer to find it what was wrong and was told that it would cost me more than it was worth to fix and I should get another vehicle. This took place on a Friday. A salesman convinced me to test drive a XXXX XXXX XXXX that had all the bells and whistles. I filled out the paper work and was told that I would hear from the bank during the week. That next week I got a phone call telling me I was approved for the car but I had to come to the dealer right away because the bank rep is only on the premises on that day andwould be leaving by XXXX XXXX. He also told me I could drive home that day with the new car. I went to the dealership and immediately after work and was ushered into a vechicle that looked just like the one I had test drove the week before except some of the bells and whistles were missing and it was an older modelXXXX! I was convince to speak to the finance manager and work out a deal because I was not approved for the XXXX but I could get the XXXX. I was asked to leave my XXXX in the service area and go speak to the finance manager. I expressed my discontent about the salesperson telling me I was approved for the vechicle that I test drove to get there to find out that was not the case. The finance   manager told me my credit could get me the XXXX not the XXXX .I told him that I had not test driven the car and I didn't know if I would like this one. He assured me if I didn't like it after test driving it that I was not obligated to purchasing it. He convinced me to fill out the paper work to save time. 
I had given a check the first time as a deposit on the XXXX. 
Once I filled out the paper work I went to the salesman and he said we would test drive the XXXX and for me to get in the car and he would meet me at the bottom of the ramp. 
It was getting late around XXXXXXXX.After waiting 15 min for the sales person I saw the General manager and asked him to find out what was taking the sales person so long. He responded he was on his way home and he didn't know. I waited about 1/2 asking someone in side to located him. I drove back up to the service delta and it was closed with my XXXX inside. I was furious so now the dealership is closing and no sales man around. This dealer is about XXXX miles from my home. 
I had no choice but to drive the car off the lot and I had to pick up my children. 
I return the car the next day very upset and was told my car was taken to auction!!! I called a lawyer. The lawyer set up an appt a week later because this all happened a week before XXXX .The General manage and the Finance manager and the sales person. 
all lied and said that was the car I originally put the deposit on and now I was having buyers remorse. 
I felt very intimidated because they all ganged up on me. They would not give me back my car so I left with no vechicle. I didn't have any money to retain the attorney because I need to buy a car now. 
The bank Santander the finance company says I owe them for the XXXX XXXX which I never had and it's ruining my credit. This was XXXXyears ago and they just out on my credit report that I am 180 days late!! 
I really need your help to unveil these people who scam woman. 
Thank you for your attention I have attached a statement from the attorney.