A few months ago HSBC sold off all their car loans to Santander Consumer USA including mine. I payed off my auto loan last month. Now Santander has sent me a bill for additional 562.36. When I call to ask why they could only say fees. What Fees?! I was always on time with my payments so why would I have fees. They told me if I want my car note I need to pay the fees. read full review »