Consumer complaint received 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have attached my last XXXX monthly statements on my auto loan with Santander Finance as again they are gouging me for excessive fees ( which is why they wont move my due date to the XXXX from the XXXX, so they can keep doing this! ) and also listed the wrong due date on my most recent statement as XX/XX/XXXX showing I owe over {$800.00} that day which is incorrect!! They got the XX/XX/XXXX pmt!! I am now due for XX/XX/XXXX and will be due for XX/XX/XXXX, so my next payment for those XXXX months which is the over {$800.00} together is due XX/XX/XXXX and includes XXXX and XXXX. payments!! I already set this payment up with them online and by phone now they are emailing me that I need to pay a partial payment or full payment today!! They are intentionally screwing all up on my account to make more fees and try to get me behind as that is what these finance companies do, they try to gouge you for all they can get to get you to fall behind right before the car is paid off, so they can then try to repo it after ripping you off for XXXX years!!! All are reporting the same online!! The XX/XX/XXXX payment returned because they refuse to move my due date out to the XXXX or after, so my autopay then tries to take it out the XXXX which is before my SSA widows pension is deposited to my XXXX account!!! I have told them this repeatedly but they will not move it to the date I ask but only to dates prior to when my direct deposit goes into my bank account!!! Then XXXX charges me a fee of {$30.00} and does not even pay the amount submitted for the ACH and then Santander tacks on a returned check charge of {$25.00} and late fees of {$20.00} or more when I have a XXXX day grace period which they completely ignore!!! They are already gouging me with a 14 % int rate after I have never paid anyone over 8 % in my life but they took advantage of me during the COVID, as I needed another car and they jacked the rates for no reason other than greed!!! I am over XXXX yrs old and a twice widowed mother living on only my widows pension at this time, do ai consider this elder abuse and want you to share this complaint with the FTC and IL XXXX!!!. Now this XX/XX/XXXX payment that returned was paid again when my money actually was deposited from the XXXX, but I could only pay {$350.00} as that was all that was left after bills and Santander Bank and XXXX fees, if they had not gouged me with fees there would have been enough to pay it all, so I was {$40.00} short, they then added this, plus more fees, to my XX/XX/XXXX XXXX which was returned too due to them submitting it again on the XXXX when my deposit does not go into my account until the XXXX, so now I owe that payment and am not even due yet for my XX/XX/XXXX payment, but I talked to them a week ago explained I would pay both XXXX and XXXX payments at the same time when they draft my XXXX payment and set it up to pay it. Now they email me telling me I need to make a partial or full payment right now! No one knows what they are doing there, they do not listen, they refuse to work with me, they are gouging me for fees as they wont move my due date out and this is intentional!! I save copies of all payments I set up for this reason!!! I need your help!!

Company response to consumer: Closed with explanation