Santander Bank has been unable to provide to me my loan documentation. I have been told I must have opened the account “verbally”. Over the years I had try fighting this, I had tried disputing late items on my credit report because I have no terms of this line of credit and therefore they cannot legally report me to a credit bureau. I have been told that I am not able to access the line of credit because I had 2 late payments. I am told I am responsible for late fees on the account, however I still have no terms of the loan.
Additionally, when making payments over the phone I was told several times I could make payments to principle and not forwards fees. Turns out these payments were applied to principle payments only for the first month due but anything beyond that minimum payment due was applied to the fees. This created additional reporting of negative items on my credit report.
Over the years Santander Bank has bullied me into terms I have no way of knowing what I agreed too and no way of knowing if what they are reporting is even allowed or accurate.
I have asked several times for loan documents and they have been unable to provide. They have reported 20 or more negative items to Transunion alone.
What would you like the company to do to fix the problem? (optional)
Remove account from credit report.
Financial compensation for time spent on issue, stress in my personal life and for inability to access credit due to negative impact on credit score.