I pay my auto loan every month and I am suppose to be finish by 12/2011 but my payoff quote indicates over 5, 089.19 dollars and my loan was for 60months NOT 66 months as Santander is charging me...I made a payment the month of June and it took Santander over 10 days to post to my account and they want to charge me for being late. That is NOT the contract I had with CitiFinancial Auto and I did not renegotiate with Santander when CitiFinancial sold to them. I only owe them 2400.00 and they are charging me 5, 089.19 dollars which adds 6 months more to my loan. read full review »