Consumer complaint received 2019-09-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Chrysler Capital/ Santander has been awful. 
I bought a XXXX XXXX 3 years ago so it is under the Chrysler umbrella. This was a brand new car and I was swindled big time by the dealership and Chrysler Capital funding. This car I should have only paid maybe XXXX but I paid XXXX they took advantage of a single mom out of a divorce with zero child support and there with her XXXX kids trying to get a car with crappy credit from divorce which is now much better. The 19 % APR on this car means that after 3 years I still owe XXXX even though I have paid XXXX on this car already. At this point the car is now under water being worth maybe XXXX on a good day. Not only that but XXXX does not stand by their cars and I was sold a piece of crap. I  have had to fix the head gasket, radiator and now the catalytic converter is bad and XXXX has a recall but my car is not on the recall yet and will have to wait until it is. All expensive fixes for a 3 year old car. XXXX has not been helpful and now the fumes from the XXXX XXXX because of the Catalytic Converter now affect my children and me. This car is unsafe and has been a nightmare financially since I could not refinance an underwater car so I am stuck with a car that can kill us. Also I have reached out to Chrysler Capital and have asked them multiple times to lower the APR and their service reps basically laugh at me and say they do not do anything to help even though they send out letters that they have programs to help. When I call in they just say what date  are you making a payment. Also I have been locked out of my online account for months on Chrysler Capital and they still have not fixed after asking multiple times. Right now I am stuck with a bad catalytic converter on car waiting for recall and I have XXXX on this multiple times and they ignore and they should last longer in CA. Chrysler capital which has literally been zero help with the worst purchase and financing of a car not worth any money and making over XXXX on this car. Which is so corrupt and predatory. I am filing this complaint because I want this to be noted at how they are scamming people and trapping them with no way out. 

They are also selling products that are not worth their weight or payment and overcharging and then not standing by the product. The only way out of this nightmare would be to give them back the car which I would gladly do but it would kill my credit which I have worked hard to get back up. Even though as of now with me paying them XXXX I have basically already paid for the car XXXX  XXXX XXXX and brand new basic package should have only been XXXX XXXX XXXX XXXX and XXXX scammed me really was too. They ignored me after the sale too and the way the dealerships treat women is abhorrent. I am filing this claim so people know the truth about these companies and how bad XXXX is and how they scam trusting people and how low they really are. I am sending out same letter to multiple outlets and I hope social media will help in getting this out because these scams should be taken seriously and should be investigated by CFPB because I know I am not the only one.

Company response to consumer: Closed with explanation