Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints): failed to open stream: No such file or directory [CORE/src/Cache/Engine/FileEngine.php, line 395]

                $this->_File = $path->openFile('c+');
            } catch (Exception $e) {
                trigger_error($e->getMessage(), E_USER_WARNING);

$key = 'myapp_cake_model_default_complaints'
$createKey = true
$groups = null
$dir = '/var/www/html/complaints.millsbomb.com/tmp/cache/models/'
$path = object(SplFileInfo) {
	
}
$exists = false
$e = object(RuntimeException) {
	severity => (int) 2
	[protected] message => 'SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints): failed to open stream: No such file or directory'
	[protected] code => (int) 0
	[protected] file => '/var/www/html/complaints.millsbomb.com/vendor/cakephp/cakephp/src/Cache/Engine/FileEngine.php'
	[protected] line => (int) 393
}

Cake\Cache\Engine\FileEngine::_setKey() - CORE/src/Cache/Engine/FileEngine.php, line 395
Cake\Cache\Engine\FileEngine::write() - CORE/src/Cache/Engine/FileEngine.php, line 134
Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 234
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): _cake_model_ cache was unable to write 'default_complaints' to Cake\Cache\Engine\FileEngine cache [CORE/src/Cache/Cache.php, line 244]

Code Context

                ),
                E_USER_WARNING
            );

$key = 'default_complaints'
$value = object(Cake\Database\Schema\Table) {
	[protected] _table => 'complaints'
	[protected] _columns => [
		'id' => [
			[maximum depth reached]
		],
		'date_received' => [
			[maximum depth reached]
		],
		'product' => [
			[maximum depth reached]
		],
		'sub_product' => [
			[maximum depth reached]
		],
		'issue' => [
			[maximum depth reached]
		],
		'sub_issue' => [
			[maximum depth reached]
		],
		'narrative' => [
			[maximum depth reached]
		],
		'company_public_response' => [
			[maximum depth reached]
		],
		'company' => [
			[maximum depth reached]
		],
		'state' => [
			[maximum depth reached]
		],
		'zipcode' => [
			[maximum depth reached]
		],
		'tags' => [
			[maximum depth reached]
		],
		'consumer_consent' => [
			[maximum depth reached]
		],
		'submitted_via' => [
			[maximum depth reached]
		],
		'date_sent_to_company' => [
			[maximum depth reached]
		],
		'company_response_to_customer' => [
			[maximum depth reached]
		],
		'timely_response' => [
			[maximum depth reached]
		],
		'consumer_disputed' => [
			[maximum depth reached]
		],
		'complaint_id_original' => [
			[maximum depth reached]
		]
	]
	[protected] _typeMap => [
		'id' => 'integer',
		'date_received' => 'string',
		'product' => 'string',
		'sub_product' => 'string',
		'issue' => 'string',
		'sub_issue' => 'string',
		'narrative' => 'text',
		'company_public_response' => 'string',
		'company' => 'string',
		'state' => 'string',
		'zipcode' => 'string',
		'tags' => 'string',
		'consumer_consent' => 'string',
		'submitted_via' => 'string',
		'date_sent_to_company' => 'string',
		'company_response_to_customer' => 'string',
		'timely_response' => 'string',
		'consumer_disputed' => 'string',
		'complaint_id_original' => 'integer'
	]
	[protected] _indexes => [
		'company' => [
			[maximum depth reached]
		]
	]
	[protected] _constraints => [
		'primary' => [
			[maximum depth reached]
		]
	]
	[protected] _options => [
		'engine' => 'InnoDB',
		'collation' => 'utf8_general_ci'
	]
	[protected] _temporary => false
	[protected] _columnKeys => [
		'type' => null,
		'baseType' => null,
		'length' => null,
		'precision' => null,
		'null' => null,
		'default' => null,
		'comment' => null
	]
	[protected] _columnExtras => [
		'string' => [
			[maximum depth reached]
		],
		'integer' => [
			[maximum depth reached]
		],
		'biginteger' => [
			[maximum depth reached]
		],
		'decimal' => [
			[maximum depth reached]
		],
		'float' => [
			[maximum depth reached]
		]
	]
	[protected] _indexKeys => [
		'type' => null,
		'columns' => [[maximum depth reached]],
		'length' => [[maximum depth reached]],
		'references' => [[maximum depth reached]],
		'update' => 'restrict',
		'delete' => 'restrict'
	]
	[protected] _validIndexTypes => [
		(int) 0 => 'index',
		(int) 1 => 'fulltext'
	]
	[protected] _validConstraintTypes => [
		(int) 0 => 'primary',
		(int) 1 => 'unique',
		(int) 2 => 'foreign'
	]
	[protected] _validForeignKeyActions => [
		(int) 0 => 'cascade',
		(int) 1 => 'setNull',
		(int) 2 => 'setDefault',
		(int) 3 => 'noAction',
		(int) 4 => 'restrict'
	]
}
$config = '_cake_model_'
$engine = object(Cake\Cache\Engine\FileEngine) {
	[protected] _File => null
	[protected] _defaultConfig => [
		'duration' => (int) 3600,
		'groups' => [[maximum depth reached]],
		'isWindows' => false,
		'lock' => true,
		'mask' => (int) 436,
		'path' => null,
		'prefix' => 'cake_',
		'probability' => (int) 100,
		'serialize' => true
	]
	[protected] _init => true
	[protected] _groupPrefix => null
	[protected] _config => [
		'duration' => (int) 120,
		'groups' => [[maximum depth reached]],
		'isWindows' => false,
		'lock' => true,
		'mask' => (int) 436,
		'path' => '/var/www/html/complaints.millsbomb.com/tmp/cache/models/',
		'prefix' => 'myapp_cake_model_',
		'probability' => (int) 100,
		'serialize' => true,
		'url' => null
	]
	[protected] _configInitialized => true
}
$success = false

Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 244
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Banco Santander Puerto Rico Complaint: Loan servicing, payments, escrow account

#1414739 10 Jun 2015

Mortgage Conventional fixed mortgage

Complaint #1414739 submitted on 06/10/2015 relating to Banco Santander Puerto Rico. Complaint relates to Mortgage Conventional fixed mortgage - Loan servicing, payments, escrow account .

Complaint was submitted via Web and sent to the company on Wednesday 10th June 2015.

Narrative (may be redacted).

My complain is against the Banco Santander of XXXX XXXX, Puerto Rico. The Bank made a mistake in their systems and sent incorrect information to the credit bureau 's agencies, XXXX, XXXX, XXXX and XXXX. Since XXXX XXXX 2004 I have a mortgage loan with Banco Santander from which I was and I 'm the primary loan owner. All my credit history was reflected in my credit reports for the past eleven years until a recently. A change was made in the mortgage loan account to remove my ex-husband from the account ( as agreed on the divorce settlements and court ). " Apparently '', a mistake was made by the bank were their systems sent the incorrect information to the credit agencies and all my eleven years of credit history were eliminated and transferred to someone else. During the process to open a dispute with XXXX and XXXX to correct the error made by the bank, I learned that they transferred my credit history to someone else ( apparently my ex-husband ) by the instructions or information received from the bank. I contacted the back to inform them about the error and to open a dispute to restore my credit history and to reflect my current balance due in the credit reports. Today, the bank has not yet contacted any credit agency to correct the error. All my credit history was deleted from the Transunion data systems and even do I sent them evidence to prove that I 'm the owner of the account they ca n't restore the data until the bank resubmit my credit history. My mortgage loan payments and history are now reflecting in someone else report and since the error occurred ( close to 2 months ago ) every payment I made to my loan y going thrust someone else credit account. I need your help to restored my eleven years or credit history in my credit report and to reflect accurate data which includes current amount due and the payments history. I have all the necessary evidence to prove that I 'm the owner or the loan and the property in question. I 'm afraid this could be a security breach or something done intentionally to favor someone else that has not rights over the loan, the credit history or the property purchased with this loan. I 'm concern that the bank is not taking the necessary measure to contact the credit agencies and fix the issue. None of the process issues to report listed in your first question of this complain is applicable to the issue that I 'm complaining about.

Company	Banco Santander Puerto Rico
Complaint ID	1414739
Date Received	06/10/2015
Product	Mortgage Conventional fixed mortgage
Issue	Loan servicing, payments, escrow account
State/ZIP Code	AL 357XX
Consumer Consent	Consent provided
Company Public Response	Company believes it acted appropriately as authorized by contract or law
Company Response To Customer	Closed with explanation
Submitted	Web 06/10/2015
Result	Timely Response: Yes, Consumer Disputed: Yes

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Synchrony Financial National Credit Systems,Inc.