Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer Loan department,

Vehicle loan Managing the loan or lease Managing the loan or lease North Carolina

My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. -/-/- I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. -/-/- my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( -/-/- ), our mortgage company informs us that Santandar reported us 30 days deliquent -/-/-. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit


same day. I spoke with a manager named - who informed me that there was no record of Santandar reporting to the credit bureaus since -/-/-. I asked - for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!