Letter states that I owe 1089.66 but will settle for 544.83 . Says previous creditor was Household Bank which my car was financed through but was paid in full through Santander Finance co. two months ago. Iknow this becuase I have the title. Any other accounts with them I do not have. When I went online to check into this, I put the account# in and it came back my social security# and the last three letters of my last name did not match this must be fraud and if it is, can I sue? read full review »