This company has a horrible track record with consumers and all this information can be found simply by doing research. They overcharge consumers and leave them with a balance that's unexplained. After consumers assume they have satisfied their loan, they repossess their vehicles because of outstanding balances that they were unaware of in turn charging them more fees to reclaim their vehicles while continuing to collect these unexplained fees and ruin their credit. All this information is readily available through research and most complaints are questionably related. In my case, I called them because my loan matures in March 2014 and the math on my statement did not match up. When I called I explained to them that my loan matures in March but after March I will still owe 3222.95 left. The lady seemed like she had no clue how to respond. Without listening to my concern, she then decides to just email me my payment history. My loan was originally with Citifinancial and was bought by Santander. As she is speaking to me I was trying to explain to her that I am reviewing the statement she sent but all she kept saying was "review your statement and call us back" I said "Ma'am I AM reviewing my statement and I don't understand it so why am I calling back? She said again, "Review your statement and call us back" I immediately told her I wanted to speak to a manager because I got the impression that she was just trying to get my off the phone. When the manager got on the phone it just got worse. She would not allow me to talk and acted as if was on mute and did not stop talking when I was trying to ask questions. Her conversation was all financial jargon and seemed like a scheme to make me say "UGHHH ok, I understand" She said, "pull your bank statements and if you have information to prove these late payments were not legitimate we will adjust your account." So, I decided to do as she said and unfortunately my bank only goes as far as 36 months and I needed to go back 5 years. I had to pay 30 dollars to get my statements beyond 36 months to 5 years. After reviewing line by line I provided all the proof I had that proves everything they said was false. I have provided letters, bank statements highlighting all payments and the statement they sent me to a fax number provided by the company during the phone conversation. A over a week went by and not an email or any response confirming they revived my fax or anything. Today I put all my paperwork in an envelope sending it certified mail with signed receipt mailed back to me. I never chose this company this company chose me and they are ripping people off by confusing them and to this date and over a month later. no response. Many complaints have been filed and consumers are not treated fair and it seems that there is no resolution or regulations with this company. I have reported them to multiple organizations. I ask for consumers to raise their voices and let's expose this UN-AMERICAN business.I will exhaust every effort I can through the military and civilian resources to let my voice be heard.