Earlier this year, I noticed my account with them was still on my credit report as charge-off. I called, saying that I had paid as per the agreement and their rep agreed with me. The rep promised to update my account with the bureaus and send me confirmation that the account was settled. This never happened. Instead a collection agency started calling me and also sent me a debt collection letter for the full amount of the account. I called Santander and go the details as to the $65 that wasn't paid that led them to give the account to a collection agency. They refused to allow me to simply send in the remainder to settle, and referred me to the CA. Looking over my copy of the agreement from last Fall, I noticed they didn't put any kind of due date or "pay by" date condition on the agreement. So I am wondering if I can send them a copy of the agreement, a letter explaining that I am paying the remaining $65 as per the agreement, and then expect them to settle. What do you guys think? No way in hell? Would they just cash the check and continue collection activities? Will my money be wasted?