JoeSchmoe

FYI Texas residents: there is a petition for the AG to file a similar lawsuit against Santander: https://www.change.org/p/ken-paxton-demand-texas-join-the-34-other-states-in-santander-consumer-lawsuit

Thanks, I will do that.

This particular letter was a result of my email to the CEO

I received the attached letter from Cap One in response to a few GW letters I sent. I’m concerned about the highlighted part....should I keep going or am I playing with fire? I’m in the process of buying a house and trying to improve my EQ mortgage scores before closing so I gotta be careful not to mess any tradelines up. Cap One is my oldest CC and I hit the 2 year mark since my derogatory payments this month.

I meant to add that I just sent in a copy of the settlement to add to my disputes. I don’t know if that will reopen them or not. Let me know if you have any luck!

I posted a thread in the general credit forum but figured this may be more appropriate for the automotive, so I apologize for the cross post: So my question is about this settlement: http://santandermultistateagsettlement.com/Home/portalid/0 I had an SUV repo’d in summer of 2017 (originally purchased in 2012). Since I handed over the keys when they picked it up, I guess they considered it voluntary, so it’s listed as a charge-off. I just wrapped up a divorce at the time and I kept the vehicle as a result but it was still in both me and my ex-spouse’s name at the time it was taken. Fast forward to now and it’s been awhile since they have contacted me. I disputed with all bureaus to try and get it off my reports and it was deleted on EX but it was verified on EQ and TU. Based on the outcome of this settlement, will I be able to get it removed from the other two bureaus? Oh and I’m in TX by the way (not one of the states listed in the lawsuit).

Would this post be better Moved to the automotive financing section?

No worries, thanks. It’s been awhile since I’ve looked at the repo process, I will review.

Correct. And I have not received a paper copy. I disputed after running a report via annualcreditreport.com But technically no, it was actually a repo but they show it as a charge off which I guess is technically less negative than it really is. I know they sent paperwork after it was auctioned but I was going through a wild divorce and a move at the time and those papers are long lost. But I’m also wanting feedback to see if I have any recourse given my state was not part of the settlement.

Any feedback?

I just tried to cancel the EQ online dispute and they said I can’t cancel it. Hopefully the worst case scenario is that info just stays the same. In that case, considering I’m not in one of the states in this settlement, do I have any leverage to get this removed if I dispute via mail?

I’m in TX so I guess I’m out of luck on this settlement.

My pending dispute with EQ was done online but I will by mail with TU.

Thanks. To provide a little background: I disputed it in April on all 3B and it was miraculously removed from EX. I tried again with EQ after this news, so I’ll keep posted.

I have a Santander Chargeoff from a few years ago. Will this mean folks like myself could get this deleted now? Anyone else hear about this? http://santandermultistateagsettlement.com/Home/portalid/0