Santander Bank US Consumer Loan Complaint

Santander Bank US Consumer Loan department,

Title loan Received a loan I didn't apply for Pennsylvania

santander bank issued me a over draft acct that i neither asked for now want. they gave me an over draft bill of - which i promptly paid and told the bank rep on the phone. she assured me that after i paid it they would take it off my acct. the following month - was added on as another fee that they said i had to pay for this over draft acct. when i paid the - dollars the rep assured me that this was all i owe and it would be paid off and taken off. i called santander banks fraud dept and got the run around and put on hold for over an hour where they disconnected me 3 times. now there is a collection rep who has called me every day for a month to pay that bill plus late charges and other fees which now total - .i am at wits end because now they 've closed all of my acts and put a negative rating in my credit score which will prevent me to cosign for my daughters student loans. i want to sue them for fraud and punishment damages for putting me into an account i did n't ask for and am forced to pay for. even if i pay this santander tells me that i ca n't get rid of this over draft acct.