Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer loan department,

Vehicle loan Taking out the loan or lease Maryland

Over charging of interest on auto loan. I purchased a - Volkswagen Jetta on - -, - in the amount of $20000.00 and on - -, - I went to trade the vehicle in and was told that I still owe $19000.00 and the value of the vehicle is only $6000.00. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is $19000.00. I inquired why I still owed almost the same amount on the vehicle after paying $520.00 for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the $20000.00 an interest amount of $17000.00. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in -/-/- I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.