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How to remove 1 late fee due to Covid-19


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My auto loan by Santander Consumer USA reported a 30 day late mark for March 2020 on my credit report. Before they reported this I had contacted them and they said they were assisting customers due to the pandemic. They agreed I could make my payment later and that I wouldn't have any lateness reported. I sent them a letter to request the removal of the late mark. I have a perfect 100% punctual payment record with them for over a year. This is the one late mark and it's due to a pandemic. After seeing they didn't remove I filed a dispute with the credit bureau as one of their reps suggested. I then received a letter from them stating the following:

 

We have investigatedyour dispute and verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report allcustomer accounts to the credit reporting agencies in a consistent and accurate manner.

 

On the bureau dispute they also left the late mark for March and updated my newer payments. How can I get this late mark removed?

 

 

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3 hours ago, Genie said:

Do you think that'll help?

If you have a signed agreement with them that your payments won't be reported late, then yes.  Have you called them and escalated the matter (before or after you sent the letter)?

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On 6/10/2020 at 6:43 PM, cv91915 said:

If you have a signed agreement with them that your payments won't be reported late, then yes.  Have you called them and escalated the matter (before or after you sent the letter)?

The document was made early April after they had reported me late. I didn't know about it as I was informed due to the pandemic they were helping consumers. I don't think they had the extention option in March because they verbally said they'd give me time to pay and then in April it's when they were giving out these extension. Aside from that they billed me a late fee, which I didn't complain about. Most creditors are working with consumers waiving fees, etc. Yet my extension includes March and April. I contacted their executive offices, they deny help. Won't remove it on goodwill. Then, I mentioned the agreement to them. Lady said it was done after they reported late. They don't want to delete a late mark, saying it's impossible...

 

I submitted the document to the burau's. 

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Unfortunately, your story sounds suspect. I don't blame you, it's easy to get distracted by hope and miss actual facts. But at this point you're going to need to go to the next level with this pond scum. 

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My auto loan by Santander Consumer USA reported a 30 day late mark for March 2020 on my credit report. Before they reported this I had contacted them and they said they were assisting customers due to the pandemic. They agreed I could make my payment later and that I wouldn't have any lateness reported. I sent them a letter to request the removal of the late mark. I have a perfect 100% punctual payment record with them for over a year. This is the one late mark and it's due to a pandemic. After seeing they didn't remove I filed a dispute with the credit bureau as one of their reps suggested. I then received a letter from them stating the following:
 
We have investigatedyour dispute and verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report allcustomer accounts to the credit reporting agencies in a consistent and accurate manner.
 
On the bureau dispute they also left the late mark for March and updated my newer payments. How can I get this late mark removed?
 
 

Stop dealing with customer service. Since your letter directly to the CEO and plead your case. Follow up with phone calls directly to their office. I have had success many times doing that.


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  • 2 weeks later...

I mailed the dispute to Transunion with the extension agreemen... to my surprise today the 1 late mark is deleted. With Experian & Equifax I disputed online yet it still shows. I received the dispute reply from Experian with the late mark. I'm guessing maybe trying to dispute it by mail with the rest of the bureau's to see if it works better.

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2 hours ago, Genie said:

I mailed the dispute to Transunion with the extension agreemen... to my surprise today the 1 late mark is deleted. With Experian & Equifax I disputed online yet it still shows. I received the dispute reply from Experian with the late mark. I'm guessing maybe trying to dispute it by mail with the rest of the bureau's to see if it works better.

for something as serious as this, I would never dispute online.

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