Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XX/XX/XXXX Closed XX/XX/XXXX I never opened this account I was a victim of identity theft. I still paid the balance in full of {$440.00} to remove the debt after being harassed by the collection agency. XX/XX/XXXX they updated the account as another 90 days late. Now marked as charged off on my credit report. XXXX XXXX XXXX open XX/XX/XXXX Closed XX/XX/XXXX I had a credit repair line of credit for {$2500.00} I had a XXXX and fell behind. They paused the account, and within being in the pause timeframe they closed the account. I paid the balance in full for removal from my credit report in XX/XX/XXXX. They reported it still having a balance of {$240.00} and now marked as a charge off. Santander Bank gave me a loan {$20000.00} for a vehicle. The dealership sold me a lemon the vehicle was brought to the dealership for major service repairs. While at the dealership the vehicle was stolen from their lot. I also had Gap insurance on the vehicle so the vehicle should have been paid in full. I reached out to Santander and get no response, or they are investigating considering they never recovered the vehicle and I don't have a repossession. Marked as a Charge off on my credit report. XXXX XX/XX/XXXX I put $ XXXX {$9000.00} for a XXXX XXXX XXXX They lied about the vehicle 's accident history and the vehicle needed major repairs. The vehicle need a new air conditioner, new tires, a new battery, a wheel alignment, and kept cutting off. For several months the vehicle was breaking down or in service. I paid thousands out of my pocket for repair was told I was to be reimbursed, and was never paid back. A week after picking up the vehicle from the repair shop they repossessed the vehicle and stolen my grandmothers ashes and I was never able to retrieve any items from the vehicle. The vehicle was later sold at auction. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open XX/XX/XXXX I was the victim of identity theft. I told XXXX XXXXXXXX XXXX I was not the person who opened this account and sent in a copy of my police report. The item remains on my credit report as a charge off. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$6700.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$3500.00} XXXX. XXXX, XXXX {$1500.00} This loans have late payments even though they were in forbearance and a payment was due because of my financial income. I applied for forgiveness for my student loans because I worked a non-profit in XXXX. I worked as a store XXXX for XXXX XXXX in XXXXXXXX XXXX I was inform they would be forgiven. I continue to call XXXX and they claim to never have received my documents. I even sent them my XXXX showing I worked for a non-profit. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date was XX/XX/XXXX I only filed bankruptcy because I was the victim of identity theft. XXXX XXXX XXXX whom is in jail currently sold my personal information. I went to court because someone was applying for student loans in my name to XXXX XXXXXXXX XXXX bought a car, and purchased a laptop under my social. I went to court and to prove identity theft in XX/XX/XXXX I was then awarded by the judge to have the bankruptcy removed from my credit profile. I'm continuously being told I have to wait for to be removed from XXXX XXXX XXXX XXXX XXXX have removed the bankruptcy.

Company response to consumer: Closed with non-monetary relief