Vehicle loan or lease — SANTANDER HOLDINGS USA, INC. (OH)

Problem with fees charged. In XXXX of XXXX I signed a loan agreement with ( Santander XXXX ) of which was for XXXX $ with a XXXX % APR on a XXXX XXXX XXXX with monthly payments of XXXX XXXX in the loan agreement it was noted that every day past a late payment would be an additional XXXX $ XXXX day. I have paid over XXXX $ on my loan as of today and STILL somehow owe XXXX $ on my vehicle! I call and try to get an explanation from the loan company but they never give me answer to why whatsoever! I believe there is something illegal going on here and would very much appreciate this situation to get solved.