I was nearing the end of my contract when Santander took over my car loan. I am now at the final payment, which should have been paid on 11/07; however, they sent a bill showing a balance of 747.11 but only requesting a 320.00 payment. I made the 320.00 payment on 11/05 and then began receiving the automated phone messages that my account was past due. Now they are claiming that because I had split my monthly car payments in half in the past (due to being paid bi-monthly) that I owe another 431.00 in late fees and that the balance of 747.11 -... read full review »