Santander Consumer USA / Auto Loan / unlimit charges and fees
I purchase my vehicle back on 2005, finance with citifinancial auto. I have nothing but problems since santander consumer usa get involved with the auto loan back on june or july 2010. They are horrible, on customer service (I belive they don't have that), I call harrasing always with very bad actitud, was hard to explain that if payments has been made to my account for five years, is beacause I 'm comited to do so. But now that the last payment is next month, they send a letter offering a payoff balance of $6300.00 when I call to ask if their is a mistake, they said that the late fees, payment charges and other charges are being charge from my monthly payments and after interest charges a minimun has been post to the principal. Is like all or almost all my monthly payments are post against interest and charges. And all kind of charges that none of us has a clue how many they are since could change any time without notice.?!!!
I ask for a wait to negociate this issue, I also ask for a manager and they told me they have many (but never giveme a name). After 3 days they fax me a modification contract that is an insult to fairness and honesty. If a lawyer is reading please contact me, this is ridiculos they offer 18 months more on a new contact with more interest and fees that ever. After this i'm not sure if I should return my car after 66 payments or if continue paying, because after reading about the way santanders consumer usa conduct their bussiness probably i'll never have my car title.
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