Santander Consumer USA Holdings Inc Consumer Loan Complaint

Santander Consumer USA Holdings Inc Consumer Loan department,

Vehicle loan Managing the loan or lease New York

I have an auto loan with Santander consumer Usa. Its a subprime auto loan with 24.4 percent interest rate. My monthly paymant is $460.00 a month. - has been applied to the princable of 24 payments. I notified the company in writing that i was forced to pay an additional $2500.00 down for extended warranty as part of the terms of the loan. Found out the car was still under warranty by -. They said they couldnt refund that money to contact the company that sold the warranty. Turns out they are subdividion of ssntander. I wrote them a letter after they repo my car stating i was on workers comp and can they put a hold on my payments or refinance the loan. They refused. I got my car back after paying the past due amount of $1200.00 and 1 week later the calls started that i was behind by $1500.00. They refused to refi or renogotiate payments. I owe $16000.00 the same amount as the day i purchased the car over 2 yrs ago and total payoff amount is higher. I put $6500.00 down. The ticket price was $11000.00. I know i should expect higher fees because my


this month and again a week later tge collection calls start. They report me 60 days late almost monthly. There is no resolution with the bank. No matter what form of payment i use im charged an addition $10.00 convenience fee. If i mail them a payment they tske their time posting it then charge me late fees and more interest. Im constantly threatened with repos. They wont refund my $2500.00 for the warranty i did not need and never once used. Now that im workers comp my income is half of what it was. I sent them the award letter from -. They dont care. I dont understand how i still owe the exact amount i owed from the day i purchased the car. I dont know what else i can do so i send them every dime i have just to stop them from taking the car in the middle of the night again. I need my car to go to the doctors, surgeons and physical therapy. They even refused to take a lein on my settlement.