Stop Banks from deliberately sabotaging the credit ratings of Americans and to Stop banks from committing payment fraud.

Guardian Credit Union, located at 1789 Congressman W L Dickinson Drive Montgomery, Al 36109, allowed a company by the name of Santander of whom I have never applied to, to take my car payments out of my account. They then charged me the NSF fees. They then reported to the credit bureaus that I was two months behind on my car payments. This action lowered my credit score by 200 points. I went from a 720 to a 520 at no fault of my own. This not only affected me, but it also affected the person who cosigned on the loan with me. It brought his score from a 740 to a 480. No loan company will touch me now in order to expand my business. The bank should be punished for deliberately sabotaging our credit ratings.