All I can say is that everything above is happening to me. I had two car loans with Soveriegn bank that Santander has taken over. In 3 months time they have sent double statments on both loans (one of which I accidentally paid twice), they generate statements 8 days before the payment is due leaving no time to actually get the statement write a check and mail it. Heaven help someone who goes out of town for a week and doesn't pay ahead without a coupon.
They charge a ridiculous $11 to pay on line. They now have an extra payment which they won't acknowledge AND the guy is trying to tell me the account is past due. PAST DUE?? IT is OVERPAID by one payment. He tells me it is my problem to send them a payment, they aren't obligated to send a statement or a coupon book, that's only a courtesy.
I was seriously so angry I said alot of bad words and beat the keys out of my keyboard and broke off the little legs. In 3 months time I am so frustrated over Santander I am about to have an aneurysm. I'll bet I've called them 20 times.
We originally bought 2 classic cars through JJ Best Banc who funded through Sovereign then Santander took opver. NEVER again. We are in the classic car industry and will no longer recommend JJ Best Banc because they still use Santander.