Santander Consumer USA Holdings Inc Consumer Loan Complaint

Santander Consumer USA Holdings Inc Consumer Loan department,

Vehicle loan Managing the loan or lease Virginia

The book value of my vehicle is - dollars and my loan with Santander usa is - principle where as the pay off is -. I now owe - dollars for this months payment which is partially due to - dollars in accrued interest and they also attach - late fees to every late payment. In addition, my monthly payments are a ridiculous - monthly and they will not reduce those monthly payments. This seems like it is a predatory loan designed to make it impossible for consumers to pay off. High interest rates which may not be legal rates, late fees and monthly payments which is too high for a vehicle worth half the price of the loan. Is this legal? Recently, Santander usa lost a lawsuit for overcharging their consumers and paid - in financial relief. Can you help me with this company which practices bad business ethics?