MY auto loan of 5yrs was paid off and closed for 3 months and they auto debited my checking account for $ 453.26 out of the blue, after they had sold a closed loan to SANTANDER financial, and I am fighting to get my money returned, I've done all they requested still no return. Watch out this is bad business. NICE MERRY CHRISTMAS! if you use auto payment of any type be sure that your bank will put a block on you account to stop any further unlawfull withdrawls, this is another way the consumer gets stuck with bad credit. read full review »