I'm reading all your complaints, and yes they do sound horrible! But we have got to take some kind of action! First of all you should start with a complaint with your Better Business Bureau. Do you know this company has a B+ rating with them? A- rating under their Santander Company name! Call your newspaper and news stations! I'm already 2 down and 3 more 2 go! I will be calling my newspaper and news stations, and if no success with the BBB or Credit Bureau's, I will get a lawyer! It will take a Judge to tell me they won't fix my Credit Report! Take Action People! read full review »