Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, there were over 50 transactions made via XXXX and paid by my bank Santander Bank that I did not authorize nor know the individuals to whom the payments were made out to. I have a XXXX account which I use to send and receive money from people I know and trust. However, These transations were made to people that I don't know, have never sent money to, with strange descriptions and for small amounts that totaled $ XXXX. I never received a email from XXXX XXXX for any of these transactions. I was notified by " Santander Bank '' via text early that morning on XX/XX/XXXX and thats when I became aware of these transactions. The text message from Santander asked me to verified if I had authorized those transactions and if I did not, to contact the fraud department to start a claim. I immediately replied to my Bank stating that I did not authorized those transactions, contacted the fraud department, and opened up a claim. Per my inquiry, Santander told me that I did not need to open up a claim with XXXX as they were going to conduct the investigation with XXXX and were going to keep me updated. Months later, Santander responded to me via a letter and confirmed it by phone, that they made a final determination regarding the claim and reported that the investigation had determined that no error occurred and are now asking me to pay them the money back as they gave me a provisional fund. 

I contacted XXXX and initiated a claim with them. However, they told me that my account with them is closed, that it can not be re-openned and that it's Santander that has to deal with the situation. XXXX reported, per my inquiry, that my account is closed due to a violation of their terms and service and they would not provide me with any other information. XXXX encouraged me to contact Santander as the money was paid by them to these individuals. 

I consider myself a victim of a fraud and the way it was initiated and authorized is unknown to me and that's the reason I'm seeking for assistance in handling this situation. I have explained multiple times to Santander and XXXX that I did not initiate nor approved these payments/transactions. 

Heres is the List of unauthorized payments in my account : 1. Date : XX/XX/XXXX 2. Payment amount : {$2.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$11.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$13.00} 3. Recipient name or $ XXXX : XXXX ( refund failed ) 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 


1. Date : XX/XX/XXXX 2. Payment amount : {$12.00} 3. Recipient name or $ XXXX : XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 


1. Date : XX/XX/XXXX 2. Payment amount : {$120.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$28.00} 3. Recipient name or $ XXXX : XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$27.00} 3. Recipient name or $ XXXX : XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$25.00} 3. Recipient name or $ XXXX : XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$24.00} 3. Recipient name or $ XXXX : XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$16.00} 3. Recipient name or $ XXXX : XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$17.00} ( failed ) 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$9.00} ( failed ) 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX XXXX. Payment amount : {$12.00} ( failed ) 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$14.00} ( failed ) 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$47.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$52.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this d, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$72.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$53.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$24.00} ( failed ) 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$12.00} ( failed ) 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions. 

1. Date : XX/XX/XXXX 2. Payment amount : {$56.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$54.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$47.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$29.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$23.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$14.00} 3. Recipient name or $ XXXX : XXXX XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$2.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$2.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$15.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$17.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$17.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$16.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$16.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$13.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$14.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$13.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$13.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never send money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$12.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$11.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$30.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$30.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX XXXX. Payment amount : {$29.00} XXXX. Recipient name or $ XXXX : XXXX XXXX XXXX. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$29.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strangide descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$28.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$28.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$30.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never send money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$27.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$27.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$26.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$26.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$25.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$24.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$24.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$22.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$21.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$21.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$20.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$19.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$17.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$15.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never send money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$14.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$36.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$35.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$34.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$32.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$31.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$29.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$27.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$23.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$21.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$19.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$17.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$13.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$13.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$11.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$27.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$25.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$23.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$21.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$19.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, witidh strange descriptions 1. Date : XX/XX/XXXX 2. Payment amount : {$1.00} 3. Recipient name or $ XXXX : XXXX XXXX 4. Reason you are disputing the transaction : I did not authorize this payment. I dont know and I have never sent money to this individual, with strange descriptions