Consumer complaint received 05/21/2017 about Debt collection (Payday loan debt) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Banco Santander was notified by myself in person, with evidence, about th e problem at my job which is currently been seen at loc al U.S. District Court in Puerto Rico, because I sued my employer as well as 2 other government agencies, for 3 types of discrimination. During the whole year I was not receiving my salary, this bank als o received late payments on my part, with the help of my immediate Family, meaning Parents in this case, Just by the same time the Bank decided to say this account was a lost, soon after I recovered my job, and I immediately notified this in person and with evidence to this bank, that I recovered my job last   XX/XX/XXXX  , and started to work next day on  XX/XX/XXXX , and that as soon as my first salary was available, payments will re-start. The bank first, had on my checking account all the late payments charges, that with my initial deposit to that checking account after recovering my job were collected by the same  Banco Santander. Then, the bank sent a notebook so I can continue with the payments, this account never  actually was at a collection agency no matter the problem at my job and late payments, because I recovered my job and re started the payments before all that happened, why then is been reported as a negative account at  XXXX , damaging all my efforts of credit recovery after paying on time since the job was recovered? This account never had a payment arrangement like my credit card with this bank, which does have a certified payment arrangement with the same  Banco Santander , because I was able to re start the payment before that step, why then is reported as a negative account, as not been paid, when payments re-stared on my part before any certified payment arrangement like th e one  with my credit card? Also,   XXXX   shows that there are no collections on my file? Who can understand this? See the evidence, including the  XX/XX/XXXX  evidence sent to  XXXX   XXXX  from  Banco Santander Central Office, a nd even to th e E.E.O.C., most ly in   XXXX   language, that certifi es one of  the many contacts I had with this same bank about this problem, and I always sent evidence. In this case, the bank was denying a payment extension for this loan, no matter all the evidence they had about this problem, because it was not the Bank  's Policy, and because there was a previous payment extension.  See the evidence sent through  XXXX   XXXX   XXXX   XXXX , from  Santander   XXXX   XXXX   XXXX   Branch in   XXXX   XXXX  , Puerto Rico. There are no sig nificant changes in y credit report at  XXXX ,  XXXX  or  XXXX   XXXX , since   XX/XX/XXXX   until today, is basically the same report, only that recent payments are not posted yet at  XXXX , so the unfairly reported Negative accounts are making the damage for discrimination worse. I will also sent this complain as evidence  to U.S Mag istrate Judge  XXXX   XXXX   XXXX , because the unfair actions allowed by  Ban  co Santander Policies, simply are unfairly damaging m y credit recovery efforts with no reason at all. An d, the Court also have all the previous complaints against Santander filed by me here at the CF.P.B.

Company response to consumer: Closed with explanation