Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer loan department,

Vehicle loan Problems when you are unable to pay New Mexico

My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a - times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.