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Billing problem. My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thensel