Santander Consumer Bought My Sovereign Auto Loan, Santander is charging fraudulent fees, saying we've missed payments (untrue) Dallas Texas

We received a letter explaining that Santander bought our Sovereign Auto Loan, and that our automatic payments would simply continue without interruption.

Payments are pulled from our savings account, ensuring there's always plenty of money in there.

On July 3, we received a printed statement saying we'd missed a payment and that we were being charged a $10 fee. Santander said we had insufficient funds. After speaking with 2 customer service reps and chatting online with one, I did as they said and faxed our savings account statement proving we had plenty of money. My bank also confirmed that they NEVER saw a pull from Santander. Obviously something happened during the transfer.

I was told I had to make 3 "physical" payments by check to be "in good standing" to resume automatic payments, and nobody ever confirmed they received my fax.

Today I got our statement... including a $10 undescribed "fee" and a $5 "late charge." I called again (furious) and now they're saying we had a returned check. Not even possible. They also said that our bank has to call them and tell them directly that they never saw a pull.

So we, the consumer, are being charged ridiculous, unvalidated fees and having to take every action possible to reverse them.

This is unbelievable...

M****
Westford, Massachusetts
U.S.A.