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

Problem with fees charged. I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX 's sale of a used vehicle to me, valued significantly above its reported market value, and the unethical practices of SANTANDER Bank in financing the purchase. Despite realizing the discrepancy, SANTANDER Bank has consistently imposed exorbitant late payment fees, making it impossible to keep up with payments, with the majority going toward fees rather than reducing the principal balance. Despite my request for a copy of the contract to validate these charges, SANTANDER Bank has been dismissive and uncooperative, instead pressuring me into making additional payments. This behavior, coupled with threats of repossession, suggests fraudulent practices by SANTANDER Bank. Immediate in