Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I made all XXXX payments to Santander plus XXXX, because I deferred my payment four times during the six year course of the loan. With the deferments my contract paid out XX/XX/XXXX. They tell me I owe over eight thousand dollars in fees. I have been continuing to make monthlyl payments waiting to get enough money to talk to an attorney. I still do n't have money to hire an attorney. Even though I have never missed a payment that I did n't make up, all through my loan and even now they have been and still are reporting me 30,60, & 90 days past due. I called today to get the payment dates they say I missed, because each time they tell me I 'm behind and each of the representatives would give me different dates. Today which is a first, the representative says I have n't missed any payments. I ask then why are you reporting me late every month. In essense she say XXXX my payment is due on the XXXX and if it is not received by the XXXX I am 30 days past due or more depending upon how many days are in the month. Even though my payment is due on the XXXX of XXXX for XXXX and I do n't owe for any other months, If the payment is not received by the XXXX of XXXX I will be reported over 30 days past due. Because I wo n't be making my payment until the XXXX. Because that 's the way my pay period falls. I get paid every two weeks and sometimes it 's on, before, or a few days after. They say I have XXXX day grace period but I always pay in the same month to avoid them repossessing my car. And yes except for this time which the first they did n't say that I was behind or that I am in danger of my car being repossessed. My it 's because of all of the lawsuit they are quilty of. But yet the are still reporting me late. I have not missed a payment since they illegally repossed my car XX/XX/XXXX. And I always pay in the same month, it XXXX the last day of the month, but it 's in the same month. This has and still is causing me a financial hardship financially and they have ruined my credit illegally. It great the XXXX Department suied Santander on behalf of our service individuals for the same things they are still doing to me, but what about the rest of us. Does being a citizen of the United States account for anything, knowing they are doing to other citizens what XXXX Department sued them for doing to service members. Should n't we be recompensed, should n't they be made to take their lies from our credit reports, should n't I received back the money they are embezzling from me. Oh, I have to pay if I want a way to get to work. Do you not count, I 'm too old to join the service but my father, now deceased XXXX. He 's buried XXXX just outside of XXXX, my home town. Do n't you think every citizen deserves justice from this and any other predator. I 'm not the only one who has had or have a loved XXXX or someone they care about who has served this country. All of us should have your help we are the offspring or parent or sibling of someone who has served our country. What about us????????

Company response to consumer: Closed with explanation