I inadvertently used a Santander account to pay a XXXX phone bill. It must have been on a selection list I did n't notice. In any case there were insufficient funds to cover the payment. I only really use this account to transfer funds to my daughter 's college account. I received XXXX notices, XXXX postmarked XX/XX/XXXX ( XXXX days after the transaction date ) and another on XX/XX/XXXX 7 days after the fact telling me I had XXXX days to remediate the issue. All the while I had already been charged an additional {$35.00} fee for not adding funds to the account.. That seem like an unscrupulous business practice. I was told by their representative that I have to continually review my account and I was out of luck. That 's ridiculous ... They know enough to send a notice but wait XXXX days to send it to ensure XXXX % of the time they 'll get another {$35.00} .... 
