Santander Consumer USA Holdings Inc Consumer Loan Complaint

Santander Consumer USA Holdings Inc Consumer Loan department,

Installment loan Taking out the loan or lease Ohio

I purchased a - Chrysler PT Cruiser from - in - - California -/-/-, I first was mislead to believe that I would be able to refinance my vehicle after 90 days so I would n't have to pay the high interest rate of 24.99 % which was the amount Santander Consumer USA was offering me. Once I could not refinance I attempted to pay my car off early to eliminate some interest fees, however, Santander would not allow me to pay toward the principle balance unless I could contact them on the day the payment was received for it to be applied as a principle payment ( I contacted them several times to ensure this was their standard procedure ) was told the same information. I also had to return my vehicle at least four times within the first few months of my purchase due to A/C not working, and after the repair shop at - returned my vehicle to me the second time stating they replaced my A/C compressor, the vehicle has not been in good running condition nor safe to drive since then. I attempted to replace the vehicle and called the sales rep. that processed the


from - repair, this time my vehicle was in even worse condition ; my car was loud, making a clunking noise, vibrating from under the hood when in idle position or when - was turned on, to the point that I could barely drive the vehicle, the front grill was hanging off and the hood was not replaced properly, which caused snow to blow through my vents during the winter. I attempted to have all these continual issues repaired but to date they are unresolved. I have continued to make my payments on time for 26 months at $380.00, I am no longer willing to do so, with a payoff balance as of -/-/-, over $11000.00. I am willing to voluntarily surrender the vehicle to Santander, and would like to be compensated for having to deal with unfair sales and loan practices from - and Santander. My vehicle form that was on the window at time of purchase stated that it had been Certified which covered my A/C, I would have never purchased vehicle that was in such poor condition nor did I expect to pay Santander charge extra fees of $10.00 each time I made a installment payment with them over the phone, this addition was not in the loan agreement contract from Santander. I also had a extended warranty added to my contract for the agreement amount of $1800.00 however, over a period of 72 months it would have costed me $3700.00 since the additional amount added to my monthly note was $51.00. This means that my warranty would cost me more then the resale value of my car according to - - - ( if the car was in fair condition ). This entire ordeal is totally unfair, time consuming and stressful. I have been incapable of keeping my doctor appointments and deal with my chronic pain issues and stress related issues due to not having reliable transportation. I hope that this matter can be resolved in a timely manner.