In February of 2010 Santander Consumer USA took over my loan with HSBC Auto Finance, as HSBC went out of business I think. From the start we had problems with them not applying the payments received on time and adding the following months interest to the current balance. I started sending the payments certified mail, so there would be no late fees as I did not trust the company. Yesterday I've received my what should be last payment notice. On it I've noticed a $3.78 fee, not specified what for. When I called customer... read full review »