SANTANDER BANCORP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
To summarize, with more details below for XXXX XXXX XXXX XXXX, Santander Bank, ( main office in XXXX, and or United States, after Santander Bank of Puerto Rico Division was sold to XXXX XXXX, but Santander Bank still exists ) - Santander is not a collection agency : is the financial institution where the credit was originally granted in the case of this 2 accounts, and where this same 2 accounts were paid as agreed, until the payments for the loan, were prohibited? See evidence : Document XXXX XXXX XXXX XXXX HOW IS THAT NOBODY FOUND THAT STRANGE OR IS THAT THIS WAS CLEARLY SEEN BUT NOBODY CARES, AS THE EVIDENCE INDICATE - The Certified Payment Agreement for a XXXX XXXX Master Card with Santander Bank was made to be paid directly and only to the same Santander Bank, faster, it was optional, and never included verbally, or in writing, the option for the Bank to sell this credit card to a collection agency, after the agreement started and was certified in writing? See evidence : XXXX XXXX XXXX and Merge Result Document - Is not correctly reported, not even after it ended with all payments on time!!! See evidence : Document Merge Result ( 16 pages from Federal Court Document ) and Documents called XXXX XXXX XXXX XXXX XXXX XXXX MasterCard XXXX XXXX From Document called 2nd Brief XXXX XXXX XXXX not included, in case someone decides is worth a look, too large exceeds file limit here. evidence shows Judges do not care, much less others. Supreme Court Document from XXXX XXXX XXXX included : XXXX See also Document Rehearing Denied Details below : Today, Saturday, XX/XX/XXXX, I received by regular mail 2 letters from XXXX XXXX XXXX XXXX related my complaint number XXXX - XXXX filed through the C.F.P.B. about the incorrect credit reports made by XXXX Santander Puerto Rico over the past years regarding my 2 accounts I paid to them as agreed, no matter, Santander Bank never wanted to recognize the facts at the 3 main credit bureaus unfairly affecting my credit report scores at the 3 main credit bureaus, and earning the unfair denial of the first option for a simple consolidation loan at XXXX XXXX XXXX XXXX, to which I applied last XX/XX/XXXX, and the application number ends in number XXXX as shown within one of the 2 letters from XXXX XXXX XXXX XXXX XXXX. This 2 letters from XXXX XXXX arrive nearly 5 months after their response to my C.F.P.B. complaint of XX/XX/XXXX, but the main reasons for this new complaint are not only to request that XXXX Santander updates my credit report regarding my Certified Payment Agreement for the XXXX MasterCard Credit Card I paid directly only to Santander Bank XXXX XXXX XXXX ; Is to emphasize the following facts, disregarded by Judge XXXX XXXX at the local U.S. District Court for the District of Puerto Rico, then by the U.S. Court of Appeals for the First Circuit in XXXX, MA, and then by the Supreme Court of the United States, under my Petition number XXXX last XX/XX/XXXX and on XX/XX/XXXX : This facts are the following : 1. Judge XXXX decision prevailed through the 3 federal courts system no matter he clearly wrote and quote : The Court does not weigh the facts Please refer included Document number XXXX Filed XX/XX/XXXX Page 2 of 10 Judge XXXX final opinion and judgment HAS NOTHING TO DO WITH THE VERIFIABLE EVIDENCE I SUBMITTED : FIRST, TO THE SAME SANTANDER BANK, THEN TO THE 3 MAIN CREDIT BUREAUS, THEN THROUGH THE C.F.P.B.TO THE 3 CREDIT BUREAUS, AND SANTANDER BANK AT THE SAME TIME, THEN TO 3 FEDERAL COURTS, HAVING THE SUPREME COURT AS ONE OF THE LAST RESOURCES, BUT THEY SEE CASES BY PETITION, AND RECEIVE BETWEEN 7,000 TO 8,000 PETITIONS EACH YEAR AND DECIDE TO HEAR ONLY A FEW. 2. There is another federal agency that investigates frauds committed by business and government professionals, and this includes the federal judges, no matter how complex, please see https : //www.fbi.gov/investigate/white-collar-crime 3. I really do not see what the complexity is in this specific case, because : - Santander Bank is not a collection agency, but the original financial institution where my credit for the Santander Personal Loan and Santander XXXX XXXX Master Card were originally granted. All my constant communication, since XX/XX/XXXX before a problem started affecting my payments with Santander Bank was maintained since a discrimination problem at work affected my regular monthly payments to this 2 referenced accounts, through the granted payments extensions for the loan, which require a payment, and for the credit card also through their Central Office Bank Officer named Mrs. XXXX XXXX back then, and this evidence was presented to Santander, the credit bureaus, the C.F.P.B., and to the 3 federal courts ; See evidence included, original communication sent from Santander XXXX Branch as XXXX XXXX, and Scan 3 hand writing shown by female Santander Officer, and one of the many faxes sent from Santander XXXX XXXX XXXX Branch not all communication with Santander included. - In the case of this 2 accounts with Santander Bank, I never decided to pay no attentionto the Bank and this problem, like other people that pay no attention and banks had no other choice than to sell the accounts to a collection agency : - that was not the specific case here at all : Santander Bank received constant evidence on my part of the status of my situation with my employer, which ended in a discrimination complaint I filed, and also ended at the 3 federal courts, but also all the payments extension and agreements were made and paid directly to the same Bank where the credit was originally granted, Santander Bank : 4. I was able to re-start the regular monthly payments back in XX/XX/XXXX, more than 4 years 4 months ago, but, Santander Bank decided not to specifically report all this to the 3 main credit bureaus. 5. Instead, Santander Bank decided to report this 2 accounts as under collection, charge off, paid after loss, but all that is false : the accounts remained at Santander Bank, the original institution, after all this and by the time my regular monthly payments re-started : none of this 2 accounts had to go to a collection agency, because both were fully updated and paid as agreed at the same Santander Bank : SANTANDER BANK NEVER HAD TO CALL A COLLECTION AGENCY FOR THIS 2 ACCOUNTS : THEY DID IT BECAUSE THEY TRIED TO JUSTIFY SELLING MY CREDIT CARD TO A COLLECTION AGENCY IN SPITE OF MY CONSTANT COMMUNICATION WITH THEIR OFFICER XXXX XXXX, TO TRY TO RECUPERATE MOST OF THEIR MONEY FASTER ; - NO MATTER THEY HAD TO IGNORE ALL MY PAYMENTS EXTENSIONS, GRANTED BY THEM!! MY CERTIFIED PAYMENT AGRREEMENT, AND THAT I FULLY UPDATED WITH THEM THE LOAN BACK IN XX/XX/XXXX UNTIL THEY, SANTADER BANK, DECIDED TO PROHIBIT MY REGULAR MONTHLY PAYMENT TO THIS SAME LOAN BACK IN XX/XX/XXXX, TO MAKE THIS SAME LOAN ACCOUNT UNFAIRLY APPEAR AS FAILED TO PAY, WHEN THAT WAS NOT TRUE!!! - BY THIS TIME, THIS SAME LOAN WOULD BE 8 MONTHS TO BE FULLY PAID WITH A FINAL ADDITIONAL PAYMENT NOT SHOWN ON THE SAME LOAN NOTEBOOK WHICH IS USUALLY MUCH LOWER THAN THE REGULAR MONTHLY PAYMENT 6. NOW, SANTANDER BANK IS ALSO FAILING TO REPORT ON TIME THAT THE CERTIFIED PAYMENT AGREEMENT FOR MY CREDIT CARD ENDED EARLIER, WITH THE LAST 2 REQUIRED PAYMENTS MADE IN JUST ONE LAST XX/XX/XXXX. As I type this, XXXX XXXX, Saturday, XX/XX/XXXX Santander Bank has not reported this to the 3 main credit bureaus. This same Santander Jet Blue Master Card Credit Card is paid in full since XXXX XXXX, XXXX, but they do not care to report that on a timely manner after all this, presented once again here. See evidence included.
11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
Yesterday, Thursday, XX/XX/2019, I decided that due to the incorrect credit report information that still appears on my report from Banco Santander Puerto Rico, who against the Law, the Fair Credit Reporting Act, keeps reporting my 2 accounts with them as bad Debt, Charge Off, Collections, but all that is not true as the evidence included clearly shows, the only choice I had to cover an unexpected expense from the company called XXXX, was to apply for a Secured Credit Card, and after years with this unsolved problem, which is now waiting for the Appellate Judges Judgment and the U.S. Court of Appeals for the XXXX XXXX, under Appeal No. XXXX, the fact is daily expenses and emergencies still have to be covered, and with the help of my Mother XXXX XXXX XXXX and a cash advance from my XXXX Credit Card now part of the Bank called XXXX XXXX, I was able to find the {$300.00} required in order to apply for this XXXX XXXX XXXX Secured Card, which is a Bank product precisely designed to help re-establish our credit, but no matter I was a former XXXX XXXX XXXX client, with a credit card with them that I closed years ago in good terms, a credit card that passed to XXXX XXXX XXXX when they bought XXXX XXXX XXXX years ago, they denied this Secured Credit Card. I am including evidence from a credit report, showing that I had a XXXX XXXX XXXX credit card, but the incorrect reports from Banco Santander simply are making my credit possibilities reduced to Zero, and is probably impossible to qualify for a personal loan, just to cancel the remaining balance with Banco Santander under this conditions, because they keep reporting that I am not paying my accounts with them, which is completely false. Both accounts are Paid as Agreed, in spite of a Discrimination Problem at work, currently waiting for a specific date at the Supreme Court of the United States, next XXXX XXXX 2019, as the included evidence shows. I was able to fully update this accounts, even keeping contact all the time with this Banco Santander Puerto Rico during the whole year I was without inclome, even with some intermediate payments to both accounts, which was supervised by the same Banco Santander Puerto Rico internal customer service, and Mrs. Miss XXXX XXXX was one of them, from their Central Office. Please see the documentation included showing all this the truth. I sued Banco Santander after they decided not to recognize their obligation to comply with the Law called Fair Credit Reporting Act, no matter the evidence sent first to the same Bank, then to the 3 credit bureaus, and then to the Bank, the credit Bureaus, through here at the C.F.P.B. With a a main Bank violating the Fair Credit Reporting Act like they do with me in this Case, even a Secured Credit Card could be denied, because XXXX XXXX XXXX made an automatic decision within 60 seconds : It takes more than that to write just a line here in this specific part of the complaint. Nobody from the Bank saw this evidence, saw I think is better, faster, and possible to send also to the 3 credit bureaus, and to XXXX, which because their unfair request of a full payment for a balance that was not past due, denying my request to divide the payment, or to accept a partial payment until days before next XXXX XXXX, as they approved many times during the past year due to this same problem, because I had no choice but to apply for this payment extension for extra time to pay that XXXX was offering. Now, because of their finance department bad decisions in this case, against me no matter I am their customer for more than 12 years and counting, I can't simply leave XXXX and buy a new cell phone from another company with a pre-paid offer, without hurting my finances in the middle of this unfair problem. See the evidence. I don't want to continue at XXXX, as I informed them even to a Supervisor who tried to convince me over the phone a couple of days ago, but I will have to stay because under this unfair conditions provoked by Banco Santander, not even XXXX XXXX XXXX wants to approve a Secured Credit Card .This is impossible.
04/21/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PR XXXXX	Web
( Fu ll complaint appears in pdf document calle d My CFPB complaint against Santander, inc luded with the files to support my complaint her e. ) The evidence shows, Banco Santander is doing the following, trying to summarize.1. On XXXX XXXX XXXX , XXXX XXXX from Banco Santander, offered to me over the phone, a Payment Arrangement with the same Santander Bank of Puerto Rico ; by this time, the account was not sold yet to XXXX XXXX , or to any other Collection Agency a t all, and this was confirmed by the same XXXX XXXX on that same phone call ( pdf : XXXX XXXX XXXX XXXX phone call XXXX XXXX XXXX XXXX page XXXX de XXXX ) 2. On XXXX XXXX , XXXX , I, made the required first payment of this Payment Arrangement, and this is confirmed by the letter dated XXXX XXXX XXXX , from XXXX XXXX XXXX of the same Banco Santander de Puerto Rico. This letter certifies th e Payment Arrangement, and it is sent only after the first payment of this arrangement is received by the Bank.3. On XXXX XXXX , XXXX , Santander informed with another letter, received on the first days of XXXX XXXX , that they sold this Master Card Credit Card I have with them to collection agency XXXX XXXX , no matter this same account was under a certified payment agreement with their own Bank, because the first payment of this same agreement was made on XXXX XXXX XXXX , and the letter made next day by Santander Ba nk certifies this payment agreement. XXXX . See pdf named Banco Santander is do ing the following to summarize ; the letter dated XXXX XXXX XXXX fro m Santander was l ost, but documents from XXXX XXXX Law Offices, assigned by XXXX XXXX Representative in XXXX XXXX dated XXXX XXXX , XXXX , and XXXX XXXX Letter, dated XXXX XXXX , XXXX , and the black and white copy from XXXX alerts of XXXX XXXX , XXXX XXXX , and XXXX XXXX XXXX shows evidence that this account was sold and it is still under Collection Agency XXXX XXXX . Also was included, the latest XXXX XXXX response from XXXX XXXX , XXXX , in which they indicate also, that a complaint could be filed here at the C.F.P.B. again st Santander, th e company which reported they sold the account to th e Collection Agency, after been paid under payment agreem ent. 5. On XXXX XXXX , XXXX , Santander wrote a letter to me, in which they informed they received my complaint of XXXX XXXX , XXXX , in which I asked Santander, to correct the information appearing on my credit report ; because the account was sold.and that they the same date XXXX XXXX , XXXX , proceeded to make the adjustments asking XXXX XXXX , XXXX , and XXXX , to update my information so my account appears as active and with a balance of {$5600.00}, which is a lower balance than the XXXX reported by XXXX XXXX on the XXXX XXXX XXXX , which was {$6100.00}, exactly {$510.00} less. XXXX . The XXXX XXXX , XXXX letter from XXXX Bank XXXX XXXX XXXX , clearly says the account is active ( XXXX in XXXX ) a nd with a lower balance than the one I was able to pay by that time, but becau se Santander b locked this account I have with them from their own Bank Website I am unable to send you a print screen image of it, or to send a Statement of Account from Santander because this same account was sold to XXXX XXXX . No matter it appears this same account is active w ith Santander the fact it is still active but at XXXX XXXX , th e Collection Agency, not in Santander, and I ca n't see this same account at the Santander website either, so I ca n't send images of my payments, and balances, with the dates either to the C.F.P.B. This was confirmed once again by XXXX XXXX , after repeated claims on my part, last XXXX XXXX XXXX . ( jpg XXXX XXXX XXXX XXXX XXXX to XXXX )
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web
Last Friday, XX/XX/XXXX, more than 2 months ago already, I was able to qualify for a small loan at XXXX XXXX, a division of XXXX XXXX, here in Puerto Rico, which allowed me to fully update the past due balance of this installment loan I made with Banco Santander Puerto Rico, back in the year XX/XX/XXXX. The amount paid last XX/XX/XXXX, was {$2000.00}. If any of you look at the included documents with this additional complaint made because of this problem, that this Bank is more than aware, the same Bank web site is not reporting as of today, any amount in late charges, or any kind of past due amount for this same loan. But, the reported information at XXXX, shows that there is a past due amount for this loan, of {$8000.00}, which is not true. If you at the C.F.P.B. take a look at the document included here called, " Incorrectly reported by Banco Santander past due XX/XX/XXXX 2 ", any of you will see that it shows the current balance, as " XXXX XXXX '' in XXXX of {$10000.00}, and that screen shot is from just minutes ago, at XXXX XXXX local time, today, XX/XX/XXXX. The same bank web site also shows, the next payment amount as " XXXX XXXX XXXX XXXX ", in XXXX, which is {$260.00}, the regular monthly payment, which is due next XX/XX/XXXX, and this appears right below the {$260.00} amount. Below the XX/XX/XXXX date due date appears the date of last payment, which was XX/XX/XXXX, in XXXX as " XXXX XXXX XXXX XXXX ", so this loan is been paid as agreed by myself, monthly, since I recovered my job last XX/XX/XXXX, and it also shows the number of late payments as XXXX, in XXXX as " XXXX XXXX XXXX XXXX XXXX ". It also shows that there are no charges due for delays, it shows XXXX, in XXXX as " XXXX XXXX XXXX XXXX XXXX " so if there are no late payments, no charges due for delays, it simply shows the current balance, the next payment and the date of the previous payment, who can explain why this same loan continues to be reported to XXXX by Banco Santander as Past Due by {$8000.00}? What else I have to show to this Banco Santander? They have already all the evidence, e-mails, phone calls to the correct people at the Bank, this Bank was also never paid to any collection agency, but always was paid at the same Banco Santander and its local branches, so why they still report it as past due to XXXX, damaging unfairly my credit report? There is no justification for this. Why this loan is not reported as Pays as Agreed to XXXX, because that is what it is more than 2 months ago, because there are no past due balances, and no charges due for delays either? Please see the enclosed evidence, including new evidence about another complaint I submitted today using the same Banco Santander complaint system, which is not working in this case, and the evidence recieved today from XXXX, one of the 3 main credit bureaus. There is a letter sent to XXXX XXXX, from XXXX XXXX XXXX XXXX, that was never answered by her, or anyone representing the Main Office, no matter it was written in XXXX, appears attached here as XX/XX/XXXX XXXX XXXX XXXX, and was sent from Banco Santander XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX, Puerto Rico, on XX/XX/XXXX. Also, this same Banco Santander said they will re-purchase my credit card account with them, which was sold to XXXX XXXX no matter it was under a certified payment agreement with the same Bank, and the letter confirming this arrived, from XXXX XXXX Representatives : that XXXX XXXX credit card is not showing at Banco Santander web site, and still appears as XXXX balance at XXXX, because it was sold to XXXX XXXX. This 2 things are hurting my credit report recuperation efforts in an unfair manner.
05/21/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PR 00949	Web
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.
06/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35758	Web
My complain is against the Banco Santander of XXXX XXXX, Puerto Rico. The Bank made a mistake in their systems and sent incorrect information to the credit bureau 's agencies, XXXX, XXXX, XXXX and XXXX. Since XXXX XXXX 2004 I have a mortgage loan with Banco Santander from which I was and I 'm the primary loan owner. All my credit history was reflected in my credit reports for the past eleven years until a recently. A change was made in the mortgage loan account to remove my ex-husband from the account ( as agreed on the divorce settlements and court ). " Apparently '', a mistake was made by the bank were their systems sent the incorrect information to the credit agencies and all my eleven years of credit history were eliminated and transferred to someone else. During the process to open a dispute with XXXX and XXXX to correct the error made by the bank, I learned that they transferred my credit history to someone else ( apparently my ex-husband ) by the instructions or information received from the bank. I contacted the back to inform them about the error and to open a dispute to restore my credit history and to reflect my current balance due in the credit reports. Today, the bank has not yet contacted any credit agency to correct the error. All my credit history was deleted from the Transunion data systems and even do I sent them evidence to prove that I 'm the owner of the account they ca n't restore the data until the bank resubmit my credit history. My mortgage loan payments and history are now reflecting in someone else report and since the error occurred ( close to 2 months ago ) every payment I made to my loan y going thrust someone else credit account. I need your help to restored my eleven years or credit history in my credit report and to reflect accurate data which includes current amount due and the payments history. I have all the necessary evidence to prove that I 'm the owner or the loan and the property in question. I 'm afraid this could be a security breach or something done intentionally to favor someone else that has not rights over the loan, the credit history or the property purchased with this loan. I 'm concern that the bank is not taking the necessary measure to contact the credit agencies and fix the issue. None of the process issues to report listed in your first question of this complain is applicable to the issue that I 'm complaining about.
07/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27215	Web	Older American
Since XXXX of this year I have been trying to get the bank to make a correction in my credit report for an account reported incorrectly. I had a personal loan that had a balance of about {$1800.00} in XXXX of 2013 and it was about 30 days past due. I contacted the bank and indicated that I could pay the amount in full if an adjustment was made to the interest rate already paid and a waiver was granted for the accumulated late charges. After several phone conversations, the bank agreed to let me pay off the account with a discount. The amount of discount was {$570.00} which consisted primarily of late charges. The loan was paid off in XXXX of 2013. In XXXX of 2013 the bank reported the debt as charged off to the credit bureaus. The account was 30 days past due at the time the bank agreed to a discount, but reported the account as 120 days past due and for that reason was charged off. The account never reached 120 days past due to justify being charged off as the report to the credit bureau indicates with the charged off code. Subsequently, the account was sold to an investor. The investor sent me a collection letter, however, after I explained the situation the investor verified the information with the bank, and they proceeded immediately to delete the information in the credit report and sent me a letter indicating that I have no debts with them ; however, the bank refuses to do the same and continues to report incorrectly an account they do not own anymore. I have disputed the information in the credit bureaus, but when the credit bureaus contact the bank, the bank indicates the information is correct and takes no action. The bank refuses to change the credit report despite several conversations and after two bank officers agreed with me that the account is incorrectly reported and promised to make the required changes. Also, the bank has not returned the cancelled promissory note despite several requests on my part. Please see attached letter which explains in details the problem. As resolution for this matter, I want the bank to delete completely the account from the credit bureau since their actions have caused considerable damage since I have been trying to obtain a loan for a house I have under contract for deed, and I have not been able to obtain a loan.
07/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00703	Web
My name is XXXX XXXX XXXX XXXX, the mortgage account number is XXXX. This loan is with Banco Santander de Puerto Rico. At XX/XX/2015 I was working a Loss Mitigation process with the Santander Bank in Puerto Rico, at the same time the bank was filing motions to the court with the intention of executing the property. In This case the debtor was submmited the Loss Mitigation Package complete and the bank indicated the alternative was aproved are a payment plan but at the same time the bank and your legal representation submmited to the court a motion in continue the foreclosure process. This action is in total violetion with the Regulation X and incurred in " Dual Tracking ''. Respa indicated the following : " The rule restricts dual tracking, where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. If a borrower submits a complete application for a loss mitigation option after the foreclosure process has commenced but more than 37 days before a foreclosure sale, a servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until one of the same three conditions has been satisfied. In all of these situations, the servicer is responsible for promptly instructing foreclosure counsel retained by the servicer not to proceed ''.
05/13/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	MI 49546	Web
This is a response to complaint # XXXX which was responded to us by Santander Bank. Their response is inaccurate and untruthful to say the least. They state that they sent a letter in XX/XX/XXXX and received no response. If they sent the letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then they should've known that I left the property because that's what they agreed to. In fact, the house was listed after that and pad locked so I wouldn't have access. I also gave them my forwarding address and my email address. I lost my job and came to Michigan to live with family to rebuild. Foreclosure was a traumatic experience and I reached out to cooperate so I could move on. In addition, if what they are stating is correct, it took from XX/XX/XXXX to XX/XX/XXXX to foreclose? Is that a timely response? Is that acceptable to the CFPB? Below is what they are reporting to my credit report. I just want the accurate information reported, they had possession of the home as of XX/XX/XXXX How could I be late in XXXX, XXXX, and XXXX if I didn't own the property? They sent one letter in XXXX years? They knew I would cooperate because I was in contact with them since I wanted to make the process as easy as possible. I didn't want my house to just sit empty and I wasn't angry with them, I just couldn't find work. I owned the home with no issues for close to 9 years prior to that and I paid on time until I fell on hard times. 120+ Lates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST ; FORECLOSURE STARTED In addition, I have tried to call several times when I discovered these errors and they were not helpful. I left several messages that weren't returned or they were rude when I did manage to reach a live person. I need the CFPB to help with this for this reason. Thanks,
06/05/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	XXXXX	Web	Servicemember
I live in Italy with my American military husband. I 'm not working because of this situation. The situation that I have is that in XXXX I communicate with the Santander Santander for a lost mitigation why I was left without the income of unemployment to complete the payment of my mortgage. I had the apartment rented. They proposed a shortsales for my tenants. But they did not accept. The difference in the payment of my mortgage with the rent was more than 300 . Plus the condo was asking for a spill for {$1400.00} upgrades. Then the bank proposed to me voluntarily. He asked my husband and mine for statements. Forms, evidence of non-payment student loan and my capitulations to process the grant. I fulfilled all your demands. Then they made me break contract with the tenant. And make them evict the apartment. After the process was completed, I was required to pay attorney fees for the grant. I reminded them that I have no income and that I have capitulations with my husband. Then I demanded original capitulations what I could not send because then I could not recover them. The lawyer who made them no longer lives in PR and can not do anything for me. The bank was harassed because it saw my husband 's income on the statement. I asked them to stop harassing and they closed the case for voluntary giving after I fulfilled all their requirements. They demand the original capitulations. They did not accept their certification or the affidavit that the Italian lawyer offered them. They only want to damage credit. The tenants moved. The apartment was empty since I do not have the income of them. I have a chapter XXXX bankruptcy in XX/XX/XXXX . The bank hurt my person when what I asked for was help to lower the payment. The keys were sent to the bank by mail in a certified manner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Santander Loss Mitigation Specialist Santander Puerto Rico Ave. XXXX XXXX XXXX XXXX XXXX , Puerto Rico XXXX Tel : XXXX XXXX XXXX XXXX Ext. XXXX Fax : XXXX XXXX XXXX XXXX e-mail XXXX
05/26/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR XXXXX	Web	Older American
On XX/XX/XXXX a lockdown was declared in Puerto Rico due to the COVID-19 Pandemic by PR Commonwealth Governor, XXXX. XXXX XXXX XXXX. Among the governor Executive Order 2020-23 provisions to help citizens deal with the pandemic economic impact, there was a relief remedy for banks to provide a moratorium of three ( 3 ) months mortgage payments, which could be paid once the 3rd month was reached or be moved to the end of the loan. In my case, of the three choices for moratorium that the Bank offered, I applied for the Option 3, which was to move the payment for the end of the loan. This application was sent by email to Banco Santander of Puerto Rico on XX/XX/XXXX, and as of today, XX/XX/XXXX, I haven't received yet an official response from the Bank regarding my application, either for acceptance or denial of the application. I have been under the Chapter XXXX Bankruptcy Court since XX/XX/XXXX, and all my monthly payments for the debt during year XXXX and for the first trimester of year XXXX were up to date, until the lockdown was declared effective in XXXX XXXX XX/XX/XXXX, time from which I have been out of my job due to the COVID-19. I have provided follow up emails ( XXXX, XX/XX/XXXX & XX/XX/XXXX ) and telephone calls ( XX/XX/XXXX & XX/XX/XXXX ) to the Bank in an effort to find out an official response from them regarding the moratorium request, but all what I have received from them are default email letters describing their program scope and Plan availability, but nothing regarding acceptance or denial of the application. I have been paying on a monthly timely basis the loan debt through the Chapter XXXX Trustee, but obviously, its difficult to pay in full the part belonging to the mortgage until I can return to my job, which I expect to be at some point during the month of XXXX. This situation is making me to feel anxious and desperate since its my desire to protect and continue paying my mortgage, but need some relief support towards this objective.
08/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00719	Web
I am writing regarding timely processing and disbursements of Escrow Payments. I have had a mortgage with Santander for MANY years. In XXXX after the impact of Hurricane Maria I performed my first Insurance claim and everything ran rather smoothly. Now in XX/XX/XXXX with the impact of the Earthquakes I tried to initiate a new claim and then is when I find out that since XXXX Santander had cancelled my insurance policy and I have no coverage even though my Escrow account has the funds paid by me, Santander just did not perform the Timely Escrow Disbursement nor did they notify me. I continued to be charged the full monthly payment which included the Insurance policy portion. Santander is claiming that Santander Insurance cancelled the coverage in XXXX and that I was not notified because they were not able to contact me. This is hard for me to believe because I have had many calls with Santander Collection and Santander Loss Mitigation, every time I get a call I do respond. My house has been significantly impacted by the ongoing earthquakes and I have been pushed back and forth between Santander and Santander Insurance, each blaming each other but neither are assuming responsibility. We are currently in the peek of the hurricane season, which this year is a very active one. I have had XXXX XXXX XXXX just thinking that I have no coverage. Mr. XXXX XXXX ( Director ) at Santander reached out last week requesting information in order to get a new policy in place, when I asked status upon my claim of the damage he reassured that Santander will not be paying anything because there was no active policy.
02/13/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NH 033XX	Web
I have had a credit card with Banco Santander Puerto Rico for several years. I pay my balance off every month on time, so my credit history with the bank is excellent. Even though I was a resident of PR in XX/XX/XXXX, due to a work assignment I traveled to New Jersey in XX/XX/XXXX for several weeks. Since the due date on my credit card was XX/XX/XXXX, I mailed my payment on XX/XX/XXXX from New Jersey, just like I had done several times in the past. Under normal circumstances, 13 days was plenty of time for the check to arrive and be processed before the due date. However, hurricane Maria struck the island of PR on XX/XX/XXXX, which among other things, caused the US Postal Service to stop operations and delay all mail activity to and from the island. For this reason, my check # XXXX in the amount of {$2500.00} ( credit card balance due on XX/XX/XXXX ) did not arrive on time at the bank. This check was reflected on my account on XX/XX/XXXX, 14 days after the due date, and 27 days after I mailed it. To reiterate, my credit card payment arrived late at the institution not because of negligence or inability to pay, but because one of the worst natural disasters that has ever struck PR delayed the postal service. The bank charged me {$60.00} in late fees on XX/XX/XXXX. I disputed the charges on a letter sent to the bank on XX/XX/XXXX. On XX/XX/XXXX the bank replied stating that the charges would not be cancelled because my payment arrived late, even though it was through no fault of my own.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 49546	Web
I ran into trouble with my mortgage back in XX/XX/XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XX/XX/XXXX. They are reporting late 's as of XXXX of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XX/XX/XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.
02/28/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00603	Web
I make a deposit of XXXX dollar in a ATH machine in the outside of my bank local, and they never credit it to my account. I submit a claim to them and suggest them to check the video camera. Then they send mi a letter where they said that the video show the envelope was empty which is completely false. I check the video with them and it is clear that I put the money in the envelope. I never put back the money outside the envelope. They reject to give me a copy of the video which it is clear they are hiding something, After I ask them for the transaction journal and the show me a list of transaction that show I cancel the transaction which I suspect is an altered list for three reason. First I never cancel any thing during my transaction, the machine give a confirmation number in the screen. Second The machine do not allow cancel once the money is inside and it is contradictory with the version of them of finding an empty envelope inside. Third if there were a cancelation of my transaction they would said me that in the letter since they said that they check the ATH transaction also. They stole me a {$200.00} dollar and them betray me with a very respectfully letter suggesting I am doing some trick which I found very offensive. I have direct deposit in this bank, XXXX account including my house mortgage and I have been client of them for 15 years.
03/23/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 009XX	Web
Unlike in the US, about 90 % of the customers that have mortgages do not bring a hazard insurance policy to the closing, thus the bank affiliate place the hazard insurance. Last XXXX an insurance company started offering a policy directly to the client offering a 20 % cash back if there were no claims on the hazard policy. A lot of clients have decided to purchase this policy. However since the hazard policy is paid from the escrow account, altough the client has chosen the new policy, Banco Santander Puerto Rico has declined to follow the clients order. And instead of paying the policy chosen by the client, they pay the policy that they had on file, which most of the time is to their insurance affiliate. The order of the client is signed electronically with the e-sign program. The bank excuse for not paying the policy is that they are waiting from their legal derpartment to see if they can accept the electronic signature. Since XXXX Banco Santander has said theat they are waiting from the legal department. We are now in XXXX and they are still providing the same excuse. Meanwhile Banco Santander is using the money in the escrow to pay their subsidiary and not paying the policy chosen be the client, thus depriving the customer of getting the 20 % cash back.
06/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	PR XXXXX	Web
XXXX XXXX. On XXXX XXXX, 2016 Banco Santander forwarded a letter to me advising me of a second notice of payment. This letter was given to my son by a neighbor which we do not know, because it was placed in their mailbox incorrectly. The issue is that Banco Santander violated my privacy by providing in clear view inside the address window my full name, address, the reference being a personal loan, including my account number, the total amount due for the loan, and that it was a second notice. This violated my rights by a financial institution by providing in open view private information that should have not been previewed in plain sight. I made contacted Banco Santander on XXXX occasions. XXXX XXXX ( supervisor ) on XXXX/XXXX/2016, And XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX. As of this date my financial institution has not return my calls made any attempt to contact me nor provide a resolution to this date. This issue openly embarrassed me in front of my neighbors, and my children. I formally request an investigation, and fines to correct this abusive practice by Banco Santander. Enclosed are pictures of the envelope as received.
08/05/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 009XX	Web
By XX/XX/XXXX XXXX Santander XXXX returned to me over {$13000.00} in " error '' charges they had incorrectly made to some of my Commercial Bank Accounts ( ie # XXXX ). We held then a personal meeting at their XXXX XXXX XXXX XXXX in XXXX XXXX where they ( XXXX XXXX, XXXX XXXX, etc ) told me that for " seeing only '' my accounts via internet the charge would only be $ XXXX/month from then on. However they did not comply with that disclosure/promise and instead repeatedly kept on over charging my account from XX/XX/XXXX through XX/XX/XXXX up to {$3200.00}. They should keep the agreed $ XXXX/month x 18 months = {$270.00} and return to me the excess money the took from my account ( $ XXXX $ XXXX {$2900.00} ). I have all evidence and correspondence of efforts made with several of their present employees trying to get my money back during recent months in XXXX. Thanks for your kind attention. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/04/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00685	Web	Servicemember
My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property.
05/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	XXXXX	Web
Good afternoon I have my mortgage with XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Since last year I been asking the for my Billing Statement and they refuse to send me the document instead the continue send me a regular payment book, This is not providing me with the information require by Billing statement Act. Today I call again and spoke with the servicing manager XXXX XXXX and she told me that they are not obligate to send this document they are sending this document only to the clients with direct payments. they have more than 2,500 loan on servicing and refuse to comply with the Billing Statement establish on XX/XX/2014. My Loan number is XXXX and my full name is XXXX XXXX. My phone number is XXXX I appreciates your help on this matter
09/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00924	Web
XX/XX/2015 I start a Loss Mitigation process with Banco Santander in Puerto Rico. This process Get complicated because of a Health condition that happen To me and after that My divorce. I keep contacting and providing a complete package For Loss Mitigation throught a representative while I was sick and thereafter contacting The Bank. This week a person from The court leave a Foreclousure note with My neighbors violating My privacy rights, and they, My neighbors turned that To me when I Came back Home How is that possible, that I asked For Help and now what THEY did was " spread My confidential information without giving me an opportunity and in violation of The fue process Please I need Inmediate Help
12/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00705	Web
During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.
05/16/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 006XX	Web	Servicemember
XXXX XXXX, Florida XX/XX/2020 I made a reservation by phone and when arrive there with my husband theres nobody and the hotel was under construction, nobody answer the phone and nobody at the front desk. I already made a dispute with banco Santander of Puerto Rico and they dont approve the credit. I made many efforts by phone with the hotel with no positives results. Banco Santander Remove my credit for the {$120.00} and charge again the money because I have to call the hotel for the solution. Thats the response at my dispute.
07/29/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00624	Web
The company dont review the attached letter I receive from them. They sent a letter advertising that the charge of overdraft is {$0.00}. They are rascals. Are thefting money from my account before sending a letter advertising that the charge is {$0.00}. They sended a letter without descriptions of the charges. Charged are described as balance cobrado a poor quality statement. Transactions undescribed. A XXXX of response have made these rascals. Read my evidende. Rascals.
09/20/2016	Yes	Credit card	Billing disputes	PR XXXXX	Web
I have been trying to dispute this account on my credit report for months and have not heard back. I have sent numberous dispute letters to the credit bureaus and to Santander. They are failing to delete this account from my credit report because it is actually reporting twice on my credit report which is a violation of the FCRA. I have contacted an FCRA attorney who said I can sue for this but wanted to see if you could remove it to save us XXXX the trouble.
09/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00612	Web
iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. They charge {$10.00} for it and it can not be pay. They sum it to the mortage. I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. These is clearly an obstruction for me to refinance.
04/29/2015	Yes	Credit card	Billing disputes	PR XXXXX	Web
I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.
07/13/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00739	Web
We complied with a chapter XXXX. Once we received our release the bank states we are behind a month on our mortgage payment. I stated to the bank this can not be and followed proof. Till this day the bank is still not honoring my request to update and make us current on our mortgage payment. I filled a formal complaint with the state commissioners office for financial institution only a month ago.
07/10/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 009XX	Web	Older American
I asked for a moratoriam of payment for three months in the payment after a huracane and they accepted, went to pay and they did not accept the payment. They offered to try for a modification. After several months providing information they denied without much explanation. Now they want to foreclose.
07/17/2020	Yes	Checking or savings account Savings account	Managing an account Fee problem	PR 00624	Web
I have enough funds on my account and the bank is charging for non sufficient funds. Inclusive the bank sent me a letter indicating that there will be a {$0.00} charge for the ( false ) non sufficient funds on the account. This is a theft from the bank Santander of XXXX XXXX.
12/26/2016	Yes	Bank account or service Savings account	Using a debit or ATM card	KS 66049	Web
XXXX in XXXX is abusing elderly clients who use their customer service because they believe the states of our nation are unrecognizable and those of us whose accounts are compromised, they will never deal with ones complaint because they feel XXXX is a foreign country.
02/20/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00778	Web
I have been charge {$0.00} during a period of five months for a service I did n't activate or even require and which was activated with my consent, even after calling to deactivate the service the service has been charge twice after the first call to deactivate it.
09/15/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 009XX	Web
The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.
09/15/2020	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	PR XXXXX	Web
Point of Sale system closed on XX/XX/2019, but still getting charged monthly for merchant service. I contacted bank and case was opened last year. I still have not received funds back.
12/26/2019	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	PR 00624	Web
The bank auto creates a false transaction of XXXX $ to avoid a transfer of {$2000.00} that generates on the account a fee of {$5.00} and another for {$1.00}.
11/09/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR XXXXX	Web
I process a payment for rental a car online and card was accepted but when we visit the location they refuse to accept the card and decline the service.
09/16/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	PR XXXXX	Web	Older American
My account was hacked. I sent a claim but my money was never returned.
02/26/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	PR 00754	Referral

12/27/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	PR 00681	Referral

12/26/2019	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00624	Web

10/30/2019	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00953	Phone	Older American

07/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	PR 00716	Referral

07/25/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00692	Referral

07/09/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PR 00971	Web

05/29/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PR 00971	Web

05/15/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00970	Web

04/04/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

03/26/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 34746	Web	Older American

03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00646	Web

12/03/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web

10/19/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00953	Referral

10/18/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00919	Referral

10/01/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

07/05/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web

06/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00729	Web

04/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00613	Web

03/30/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00777	Web

03/15/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	PR 00983	Phone

03/12/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	PR 00777	Phone

03/12/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00754	Web

03/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00949	Phone

03/09/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00925	Referral

02/23/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 11727	Phone

02/02/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00925	Referral

12/29/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement		Postal mail

12/12/2017	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00925	Referral

09/29/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00735	Phone

08/22/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00956	Referral

07/27/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00907	Referral

05/26/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00953	Web

04/06/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00778	Web

03/20/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00680	Referral

03/07/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

03/03/2017	Yes	Credit card	Billing disputes	PR 00926	Referral

10/12/2016	Yes	Credit card	Billing statement	PR 00725	Phone

09/19/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00692	Referral

09/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00733	Postal mail

07/28/2016	Yes	Credit card	APR or interest rate	PR 00729	Web	Older American

06/06/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00652	Web	Older American

05/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00791	Web

04/21/2016	Yes	Credit reporting	Incorrect information on credit report Account status	PR 00988	Postal mail

04/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19083	Web	Older American

04/05/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00925	Referral

03/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00983	Fax

03/23/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00733	Referral

03/09/2016	Yes	Credit card	APR or interest rate	CA 90802	Postal mail	Older American, Servicemember

01/05/2016	Yes	Credit card	Other	PR 00907	Referral

12/22/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00911	Postal mail

12/21/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened to sue on too old debt	PR 00602	Web	Older American

12/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00646	Web

12/03/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	PR 00918	Postal mail	Older American

11/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00926	Web

11/13/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00949	Postal mail

11/12/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00970	Referral

11/02/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00623	Referral

10/15/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00949	Postal mail

10/08/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00969	Referral

10/07/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 12078	Web

09/30/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00918	Referral	Older American

09/22/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MA 02740	Referral

08/28/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00949	Postal mail

08/27/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00926	Referral

08/21/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00911	Web

08/06/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00921	Phone	Servicemember

07/14/2015	Yes	Bank account or service Savings account	Deposits and withdrawals	MA 01841	Phone

07/13/2015	Yes	Credit card	Other	PR 00949	Postal mail	Older American, Servicemember

07/05/2015	Yes	Credit card	Credit determination	PR 00693	Web	Servicemember

07/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00919	Web

06/29/2015	Yes	Mortgage Other mortgage	Credit decision / Underwriting	PR 00913	Web

06/29/2015	Yes	Other financial service Check cashing	Excessive fees	PR 00667	Referral

06/23/2015	Yes	Credit card	Closing/Cancelling account		Postal mail

06/16/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00627	Phone	Older American

06/15/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00682	Referral

03/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	PR 00637	Postal mail

03/06/2015	Yes	Credit card	Closing/Cancelling account	FL 32835	Web

03/05/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00694	Referral

03/03/2015	Yes	Credit card	Billing disputes	PR 00924	Phone

02/04/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PW 00913	Referral

02/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00646	Web

01/16/2015	Yes	Bank account or service Cashing a check without an account	Account opening, closing, or management	PR 00738	Phone

10/28/2014	Yes	Bank account or service Cashing a check without an account	Deposits and withdrawals	PR 00956	Web

10/26/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00966	Web

10/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00984	Web

09/03/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00959	Phone

09/02/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00913	Postal mail

08/11/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	PR 00784	Web

07/15/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00771	Web

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	PR 00720	Web	Older American

06/27/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00664	Referral

06/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00968	Web

06/03/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PR 00646	Phone

05/30/2014	Yes	Credit card	Bankruptcy	PA 19136	Web

05/23/2014	Yes	Mortgage Other mortgage	Other	PR 00791	Referral

05/20/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00674	Phone

05/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00968	Web

05/08/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00705	Postal mail	Servicemember

05/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00907	Web	Older American

04/23/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00795	Postal mail	Older American

02/26/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PR 00956	Web

02/19/2014	Yes	Credit card	Billing disputes	PR 00717	Referral

02/04/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00968	Referral

01/27/2014	Yes	Credit card	APR or interest rate	PR 00923	Phone

12/13/2013	Yes	Consumer Loan Personal line of credit	Managing the line of credit	PR 00949	Referral

09/11/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00736	Postal mail

08/06/2013	Yes	Credit card	Billing statement	PR 00965	Web

07/18/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00777	Phone

05/14/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00745	Referral

03/29/2013	Yes	Consumer Loan Personal line of credit	Managing the line of credit	PR 00982	Web

03/28/2013	Yes	Bank account or service Checking account	Account opening, closing, or management		Fax

03/08/2013	Yes	Credit card	Closing/Cancelling account	NJ 00623	Web

03/08/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00678	Referral

02/20/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NM 87112	Postal mail

01/17/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 18328	Referral

01/08/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IA 51502	Phone

01/03/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00985	Referral

01/03/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20718	Referral

09/13/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00936	Referral

09/12/2012	Yes	Credit card	Billing disputes	NJ 08827	Referral

06/26/2012	Yes	Credit card	Application processing delay	PR 00791	Phone

05/31/2012	Yes	Credit card	Collection debt dispute	PR 00772	Referral

05/07/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00920	Referral

05/03/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PR 00907	Referral

04/02/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00919	Referral

01/22/2012	Yes	Credit card	Other	PR 00920	Referral

01/17/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00983	Postal mail