Consumer complaint received 2019-09-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I should not owe still 4 years later over XXXX Started this loan at XXXX and its now XX/XX/XXXX and I still owe XXXX XX/XX/XXXX I sent them over {$1200.00} as they claim I owed misc fee 's and late fee 's and return check fee 's which is not accurate at all, I been making my payments weekly and it seems over the years if my payment came in the XX/XX/XXXX when it was due theXX/XX/XXXX they fee my account. says my maturity date is XX/XX/XXXX was told today it won't be the case now with all this money paid my payments haven't started going straight towards principal as this loan is going into its 5th final year, I get lied too every-time I speak with someone I get a different story, I am sure if and when I deferred payments they added more and still took payment from me, I was charged when I deferred years ago, something is NOT right about this loan and I am looking for an attorney as well someone keeps adding fees to a vehicle that should be paid off XX/XX/XXXX I have much more documents I can send I have saved every chat and every letter. 

This Loan was not by any chance explained by the dealership this was sent years ago to them ( Santander ) my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit wasn't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, their interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase in our loan, which should be decreased as we make our payments that even thou our loan is due the XX/XX/XXXX of every month because they receive it from our bank on the XX/XX/XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until I saw this on our credit report, so I called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape 80 thous miles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there are no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I can't believe we are not the only ones please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.

Company response to consumer: Closed with non-monetary relief