Let me make this very clear to Santander Consumer. It is NOT necessary and condescending that your Response letters keep insinuating I am NOT knowledgeable about how our Simple Interest Method is Calculated. If, Santander had a true auditor and reviewed my audit it would be noted that I am fully aware of the calculation method of the XXXX corners of our Contract. Therefore, stop that verbiage. 

Additionally, your response letters keep referring to additional accrued because of the DUE DATE. It is not additional accrued interest because the daily interest rate is calculated as days between payments. Stop this verbiage too. 

You are incorrect about the first two payments accrued interest was not fully satisfied until XXXX XXXX, XXXX. As Santander has previously stated " The Interest Accrual period commences at the Date of Purchase. Therefore, the purchase date is XXXX XXXX, XXXX. The first payment was received XXXX XXXX, XXXX at ( XXXX. ) The daily interest rate is 15.49 from XXXX XXXX thru XXXX XXXX at 18 days. The finance charge is XXXX the principal applied is ( XXXX ). The second payment ( XXXX ) the daily interest rate is 15.38 at 26 days between payments. The finance charge is XXXX. ( XXXX ) is ADDED to the Unpaid Principal Balance. 

HERE IS SANTANDER FIRST 'S MISTAKE : YOU CHARGED 40 DAYS OF INTEREST FROM XXXX XXXX, XXXX THRU XXXX XXXX, XXXX. 

Our first payment is XXXX XXXX, XXXX NOT XXXX XXXX, XXXX. The first payment was 18 DAYS NOT 82 DAYS. The second payment is 26 days between payments. This is fraud. 

The third payment you applied the entire XXXX to interest. Now, Santander has charged us XXXX in interest. 

The fourth payment XXXXyou applied XXXX to interest. Now, Santander has charged us XXXX in interest. This calculates at 124 days between payments at 15.49. Santander has now received a total of XXXX payments at XXXX and only XXXX was applied to the Unpaid Principal Balance. 

According to Santander you did not receive any payments from us until XXXX XXXX, XXXX. In fact, you received the first early payment on XXXX XXXX, XXXX for a total of XXXX payments. however, your calculations are not giving that result to the Unpaid Principal Balance. This is fraud. 

Santander has clearly breached our contract. The Unpaid Principal balance as of the fourth payment is XXXX. Santander Unpaid Principal balance is XXXX. 

I have clearly proved this point pursuant to my XXXX audits based on Santander 's statements and have ended with the same correct payoff balance. Also, I have proved your starting balance on XXXX audits is incorrect, therefore, every calculations for interest charged and amounts applied to the Unpaid Principal from that point forward is WRONG and fraud. 

As for the XXXX XXXX, XXXX, Santander 's own Account History shows XXXX transactions for XXXX XXXX debit, and XXXX credits. This is a NSF check, therefore, I am NOT sending Santander a canceled check. The XXXX credit you applied XXXX to interest, the XXXX credit you applied XXXX to interest. The XXXX debit you applied XXXX to interest. Once again, this creates a inaccurate Unpaid Principal Balance. 

As of XXXX XXXX no late fees can me charged to my account due to the paid in advance status. You have all my correspondence regarding this issue. Credit those late fees. Prior to XXXX XXXX credit my account for accrued additional interest due to the Contract is calculated days between Payments. 

XXXX continuously proves a fraud audit. My audits have sustained the same accurate payoff balance. The correct payoff balance is XXXX not including late fees prior to XXXX XXXX. Additionally, remove the 30-Day Late for XXXX XXXX from our credit report. This is fraud.