I am asking that CFPB acts as a liaison in this matter. I am in a great distress financially, mentally & emotionally with my contract between Santander Consumer USA and myself. When I purchased my car back in XXXX of XXXX my credit score was in the XXXX 's ( due to a XXXX ). Currently my credit score is above XXXX. I purchased this car with the intentions of re building my credit worthiness. Consequently this decision to re build my credit with Santander backfired. I am upside down on my car loan. I owe more than what is worth. Per Santander my account balance is {$11000.00} but the pay off amount is {$13000.00} because of late payments and fees. Per the contract all of my payments have been applied towards interest first for almost XXXX years now. The contract states I will end up paying {$27000.00}. My vehicle is a XXXX XXXX XXXX XXXX with over XXXX miles. It is currently valued at {$2500.00} for a trade in. As of XXXX of XXXX I have been trying to re finance my car loan for a lower interest rate with other banks to no avail. Santander 's interest rate is XXXX. I tried to re finance my car with Santander but they refused to work with me although they offer loans to consumers with poor credit & good credit but does n't offer refinance options ( Santander advertises that they strive to work with their customers ). So far this advertisement is false, inaccurate and misleading. Recently XXXX XXXX declined my car loan application not because of my credit but because of the worth of the car. I am asking for a high loan and the car is not worth it ( attached an email correspondence from XXXX XXXX ). The only company that can help if WILLING is my own finance company Santander. Since in possession of my car I have spent over {$6000.00} in car repairs out my own pockets and {$7500.00} has been paid through my insurance company. In total repairs of my car throughout the past XXXX years has been {$13000.00} ( the car was sold at {$13000.00} before finance charges ). Total money invested to date including car payments and repairs is {$26000.00} out of pocket not including the work XXXX XXXX from XXXX, CA performed on my vehicle due to a RECALL. I still have a remaining amount of {$13000.00} owed to Santander. If I were to pay off the car today a total of at least {$40000.00} will be invested on this vehicle which is farce. This is an injustice to any hard working citizen like me. I have taken all steps necessary to prevent litigation and filing a complaint with the XXXX against Santander who offered me a high interest rate for having poor credit back in XXXX and causing me to have emotional & financial distress. Back in XXXX I paid over {$600.00} to fix the XXXX. On XXXX XXXX, XXXX I paid for XXXX ( receipt attached ) .The following still needs to be repaired on my car : XXXX need to be replaced ; XXXX need to be replaced. Although there is a contract between myself & Santander I am aware that the contract can be disputed through litigation. My next course of action depends on Santander 's response. In addition Santander has been adding more distress to my situation by reporting my late payments to my credit report and lowering my score preventing me from continuing to rebuild my credit worthiness. Late & deferred payments are due to out of pocket car repairs which has prevented me from being on time. Santander is far from working with their customers.