Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer Loan department,

Vehicle loan Problems when you are unable to pay Problems when you are unable to pay Texas

I opened a loan with Santander -/-/- and was financed - at 16.99 % interest rate on my loan for 72 months which should equate to $26000.00 in finance charges equaling a monthly payment of $370.00 and I have been paying $370.00. I made my payments accordingly over the next 4 years. I tried refinancing my loan in -/-/- as well a trade in my vehicle around the same time. Come to find out I was severely upside down and no one would finance me a new loan with my vehicle as a trade or refinance because my debt owed was to high. At that time I allowed my vehicle to repossessed due to the amount owed. I feel I am a victim of a predatory lending from Santander and now my credit history is be slandered and portrayed worse than it actually is by Santander as well. I have disputed the reporting of my account as per my rights of FCRA due incorrect payment history reporting, first date of delinquency on my account repeatedly reported inaccurately, a charged off account reporting open 9 months after repossession, as well as being billed car payments after the repossession monthly adding further debt to my past due amount. I paid over $15000.00 over the four years that I owned the vehicle and recently discovered that I have been charged unfairly resulting in a higher car payment and erroneous finance charges I have paid more than enough and I been subject to unfair damages. Per state law I am to receive a notice after repossession regarding the sale of my vehicle as well as a statement after the sale, I have did not receive any of the required notices that I am entitled. Due to the unfair predatory loan and false credit reporting action I am requesting full deletion of Santander accounts on are 3 major credit reporting agencies ( -, -, and - ) I have enclosed some documents for your review take note of the federal truth in lending section in regards to my finance charges and monthly payment.