Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer Loan department,

Vehicle loan Problems when you are unable to pay Florida

In - of 2015 I went to a local - dealership to purchase a used car. I was offered a - Nissan Versa, sticker price was listed at $ -. I signed a sales agreement and put $2000.00 down. The dealership told me they would negotiate my loan, I advised I wanted it to go through my credit union, but they said it would most likely go through " someone else ''. I was allowed to drive off the lot and was told my first payment of $270.00 would be due - -, and to be on the lookout for my loan contract in the mail. -/-/- goes by and I received nothing in the mail. -/-/- I began calling the dealership, requesting information about my loan. I received a confused and vague, " We 'll have to call you back. '' I never received a call. -/-/- comes, and I started calling every week, prepared with money in hand, to make my first payment. No one could give me any answers, every time I called I was told I would be called back. In -/-/-, my calls started going to voicemail. -/-/-, I get a paper message stuck to


the first month 's payment only ( $300.00 ) and requested my information, ( and a receipt ) stating I had never received their welcome packet or loan contract/agreement. -/-/- went this way, they called and demanded I pay what I was behind on, I requested my loan information, stating EVERYTHING above. I was told repeatedly, they sent it, but it was n't until the end of -/-/- that someone happened to check my address, and we found out that the dealership had entered my address incorrectly, mixing up my old address and my new zip code. This address did not exist, and there was no way this could have been forwarded to me. I was told my address was corrected and that I would receive my loan contract, BUT I STILL NEVER RECEIVED IT. -/-/- comes and I stupidly continued to refuse to pay, wanting my loan contract and information. My car was repossessed on - -. I had to pay over $1400.00 to Santander to have the release order made, and then had to pay another $400.00 dollars to retrieve it from impound. Here 's the kicker : throughout -/-/-, -/-/-, -/-/- and now -/-/-, I have had to pay an additional $300.00 dollars to my $ 300 monthly payment. ( - was when I finally received a paper statement in the mail, with only -/-/- 's information, the repossession payment. ) When I called - - to make my - payment, I was advised that this additional $300.00 was repossession fees. I expressed I had been asked to pay a total of $590.00 every month since -/-/-, and asked how long I had to pay repossession fees. I was told that -/-/- 's payment would be the last month of repossession fees and that in -/-/-, my payment would only be $290.00. When I received my -/-/- statement, the total required is $590.00, meaning I 'm still being asked to pay a repossession fee. I feel like I 'm being taken advantage of, because of the repossession I am now at their mercy, being unable to refinance with my CU or any other loan company. They reported this to the credit bureau and now where I was rebuilding my credit and recovering, I am now back to the bottom. In addition to all of this, I checked my online statements, and have realized my loan is for $ -, meaning not only was the sticker price at the dealership wrong, but they lied to me! And I still have not received my loan agreement or loan contract.