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dolphindan1

Santander

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I had a car loan with Santander open in 2008. in 2013 we were in a total loss accident. After insurance paid we still owed a couple 1000 bucks on the loan. Santander charged off the original account, they labeled it a repo at 1st, but I fought and got that removed, and opened a new account with the remaining balance and immediately made it a charge off. Is this standard procedure?? I have 2 negative trade lines for the same vehicle...I have fought and fought saying there should only be 1 account but no luck.. The original is due to fall off in Jan 2020, however they didn't open the new account till about 2 years later with that negative info...so I still got till 2022 on that account....I guess what I am asking is this legit reporting? can they just open a new account like that, even if the balance owed is still from the original account...I hope that makes sense?

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Where are you viewing these trade lines?

 

Do you have your paper reports from all three bureaus?

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Where are you viewing these trade lines?

 

Do you have your paper reports from all three bureaus?

 

YES they are listed on all 3 bureaus...I do have paper copies....

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After the insurance settlement, did you continue making payments per the terms of your loan?

 

What documentation or communication do you have from them regarding the account?

 

 

Sent from my iPad using Tapatalk

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How did you dispute the accounts?

 

After they came back verified, did you do a method of verification request or ask for copies of the supporting documentation?

 

 

Sent from my iPad using Tapatalk

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I have disputed it as not mine, other with notes, pretty much anyway you can think...I even got lexington law working on it now....I have called and told the bureaus that this is the same account and its should be one tradeline, did BBB and AG complaints...all come back confirmed or Santander says account info is correct....I am under the impression that I should only have 1 tradeline with the balance owed.. and the reporting time frame should still be in effect from the original reporting...I actually did not pay as Santander said account was taken care of and I even got a letter shortly after the accident saying they have relinquished its claim etc....So I was under the impression I was good...then 2 years alter a new account pops up

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You are correct but your previous dispute methods likely cemented the accounts on your report.

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Don’t be surprised when Lexington Law does more harm than good!

 

Lexington Law has gotten a lot done that I seem to not be able too...10 items removed that I tried to get removed...3 items left and 2 of those are the 2 Santander tradelines...So I am happy with my results with them...

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You are correct but your previous dispute methods likely cemented the accounts on your report.

 

Disputing as not mine gets it super glued to the report every time.

 

So if its reported incorrectly...I should be able to fix it...any ideas on how to proceed???

 

After the insurance settlement, did you continue making payments per the terms of your loan?

 

What documentation or communication do you have from them regarding the account?

 

 

Sent from my iPad using Tapatalk

 

How did you dispute the accounts?

 

After they came back verified, did you do a method of verification request or ask for copies of the supporting documentation?

 

 

Sent from my iPad using Tapatalk

 

anyone???

 

Responses to your thread have probably tapered off because you stopped replying to questions and comments that were offered in response your original request for help, and your current path isn't recommended and is unlikely to make anything better (and could very well make things worse).

 

There's really nothing else to do until the current activities with LL are either canceled or run their course.

Edited by cv91915

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You are correct but your previous dispute methods likely cemented the accounts on your report.

 

Disputing as not mine gets it super glued to the report every time.

 

So if its reported incorrectly...I should be able to fix it...any ideas on how to proceed???

 

After the insurance settlement, did you continue making payments per the terms of your loan?

 

What documentation or communication do you have from them regarding the account?

 

 

Sent from my iPad using Tapatalk

 

How did you dispute the accounts?

 

After they came back verified, did you do a method of verification request or ask for copies of the supporting documentation?

 

 

Sent from my iPad using Tapatalk

 

anyone???

 

Responses to your thread have probably tapered off because you stopped replying to questions and comments that were offered in response your original request for help, and your current path isn't recommended and is unlikely to make anything better (and could very well make things worse).

 

There's really nothing else to do until the current activities with LL are either canceled or run their course.

 

 

 

I answered all questions asked as far as I can tell...LL has been cancelled....So how do I proceed???

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