I purchased Gap Insurance on a new 2011 auto. I was in a head-on collision and I was not at fault. My car was totalled. I filled insurance paperwork within 30 days. Three months later, Santander Collection people started calling me and said that I owed them $7406, for the balance due to not having Gap Insurance. I called Hardin Hyundai and spoke to Joe, one of the finance managers. He said he would contact Santander USA and send them signed proof of my Gap policy. Santander two months later denied my Gap policy because 120 days had passed, and now they constantly keep calling me, and have put $7406 Charge-Off on my Credit Report. read full review »