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BANCO SANTANDER PUERTO RICO – CFPB Complaint

By on August 14, 2017

Date Received: 2017-05-21T00:00:00

Product: Payday loan debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer 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.

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Company: BANCO SANTANDER PUERTO RICO

State/Zip: PR 009XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2489933

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