Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer Loan department,

Vehicle loan Managing the loan or lease Managing the loan or lease Florida

I originally took a loan from Santander on - -, 2012 in the amount of $29000.00. The loan was for 6 years ( 72 months ) at $790.00 per month. To date I have made a total of - payments, which totals $24000.00, and only $4100.00 has been applied to the principal. With all the payments that I have made $20000.00 has been take for interest and only $4100.00 applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for -/-/- and -/-/- of this year, both payments were made on time, but my entire payment for -/-/-, $790.00, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. I have made 31 of the 72 payments of this loan which is % - of the total loan payments agreed upon, yet I have % - ( $25000.00 ) of the principle left to pay. There is a great injustice in this. I would like Santander to correct this account ( - ) so that the principal remaining reflect that 31 payments of $24000.00 has been made.