Consumer complaint received 2019-10-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have paid in full contract + over charged. I have agreed to pay XXXX XXXX more payment ending loan as of XX/XX/XXXX never disagree with that term. The dealership said my loan would not start til XX/XX/XXXX. Causing 4 more payment to the XXXX XXXX XXXX + in XXXX I had a fur-low from the government which granted 3 more months on the backside too. that turn into 4 given a total of 8 more payment ' half was no my ownership problem but I'm demand to pay it. never disagree with that term because I would like to keep my car. Now their want 20 + more payments talk about consumer fraud and taken advances plus never applying money to the loan accurately and gaining more interest rate to never be apply correctly taken again advantage of a consumer.Then never being told the turth about nothing for this loan. Its ended and I want the title after all money has been paid in full. I have paid more than the loan as of today and money has not been applied correctly and they have more than the loan requested. 
I also have filed a police report with XXXX Police area about the matter. they said to call CFPB and the XXXX. 
Then today conversation : Santander CEO and Attorney : I never disagree to pay the 8 car payment on the back of the loan even though it was not told me the consumer at the begain correctly but XXXX XXXX in XX/XX/XXXX on a recorded line said my payment would go to loan in full after contracted ended. Again that it will go directly to the principle for the last 8 months end of contract. 

Escalations team, XXXX said different 2-3 more year plus more maybe longer to a life time? Then too Mr XXXX who know how to " Amortization is the process of spreading out a loan into a series of fixed payments over time. You'll be paying off the loan 's interest and principal in different amounts each month, although your total payment remains equal each period. '' price said, " Would go on about 20 +  more months. " more interest added. Plus the account should be adjusted from what my XXXX said XXXX would do. Action please follow though in writing. 

After 8 month more he said to follow complains ... .continue on. I told him I dont wish that actions. 

Now Mr XXXX XXXX said he dose not mine to all the pay all of the attorney fees ( mine included ) on a recorded line with Santander because my 8 months that was caused from the Begin of the loan and 4 months though the life of the loans. Adding 8 more months. XXXX & XXXX again that the interest would stop and payment of 8 more months would be all after the contracted end. 

Contract seem now at a Breached but under all ethical means I will pay XXXX to santander for 8 months this in writing. XXXX agreed to this in XX/XX/XXXX and said now as above. Mr XXXX said Different and I nor XXXX signed anything different. Words are not signatures and what was told was not agreed to nor was told me honestly or ethical mean by anyone at Satnader all nothing on one page. 

This problem was said to be closed by XXXX XXXX said, this is not closed on end. please again have your attorney call me and I look forward to seeing where the resolve is and holding santander to 8 more month as agreed to. 

I do not agree to be over charged nor to lied to as you all just went to court over the last few year. He said to keep turning end matter. 
Sure I will. 

This is in writing with no interest moving forward and 8 more payment. Please release title after the 8th Month. Please never over change me as you have already done. 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation