Date Received: 2018-07-23T00:00:00
Product: Mortgage debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: My bankruptcy was discharged in 2014. The lender of the loan in question ( Santander ) was also listed in the bankruptcy and the loan was discharged. The original lender ( XXXX ) was bought by Santander bank. Apparently, Santander is assigning loans and has started sending bills for this very same discharged loan. I also just found out that Santander has managed to add a ” delinquency ” on my credit report which is of course affecting my credit score. I suppose to benefit them in some way, the entry on my credit report goes back to right before I filed for bankruptcy. My thinking is they did so to make it look like it wasn’t added to the bankruptcy. Yet again, I have never had an account directly with this bank. They have essentially fabricated a new account in my name, and established their own line of delinquency, so they can attempt to collect the debt that has already been discharged.
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State/Zip: NJ 080XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2971055
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