I had a car financed with HSBC. I stopped receiving statements and come to find out my account was sold to Santander. Santander could have cared less about my payment being late even though I had no idea what had happened. I have had some kind of problem every month since this new company took over. I ended up refinancing with someone else. Santander said they never received payoff for the car even though the check had been cashed three weeks earlier but they reported me to the credit bureau saying I was delinquent. Now I have to deal with that. GREAT customer service huh??? read full review »