Ask The Get Out of Debt Experts Transportation

My Car Loan With Santander Has Had Payments Applied to the Wrong Account

Written by Steve Rhode


Dear Steve,

My auto loan company placed me on a six month reduction in payment per month due to not having a job; however, they refused to give it to me in writing, but they never took the car. Also, they never told me that the reduced monthly payment amounts that they asked for was just the interest amt of the loan.

When I finally received the bills because they were held up for the 6 months, no payments were applied for the loan. Then in another situation, when I would make some payments via Moneygram, I found out that my payments were being applied to the account of someone named Debbie Porter. Thus, they had two different people with he same account number.

Then they had threaten to take my car; claiming, that payments can be arranged. I said, why do I need to payment arrangements when I just paid the bill. In addition, previously they also listed my account under a third name & refused to send me bills for quite some months. Thus, they have been misapplying some of my payments to their bogus accounts.

I was due to received my car title over two years ago, and Santander refused to release it as well as refused to return the overpayments that I have paid. The Attorney General refused to intervene. My loan was originally under Citifinancial, and then was sold without my approval (I specifically wrote on the contract that my loan can not be sold to any one).



Dear Debby,

I would not waste any time on this without either suing the lender yourself or finding a local consumer attorney who handles these vehicle contract issues. One place to look for help is at

This is a total mess that needs to be unwound and if the lender is not willing to do it themselves, you’ll need to poke them with the law.

As far as not selling your account on, just because you wrote that on the contract, unless they approved the change, it doesn’t count.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


Leave a Comment

Scroll to Top