I just received a letter from santander, they bought out citifinancial auto, I got this letter 2 days ago, now they want me to pay a late charge because they say they sent me a letter last month. I phoned them to set up a payment arrangement and they want me to give them an extra 12 dollars, to process my payment, I ask her if that was for her Christmas bonus! I have 1 year to pay my truck off, I am so pissed!!! read full review »