santander consumer usa over charge me late fees and before my month bill is due they take on next Texas

Your terrible spelling and poor grammar are very telling reasons why you are with a subprime bank. Holy moly, that was painful to read.

You managed to get one thing right, however: no, this bank does not care about the "costumer". No bank cares about their customers. That's not their job. Their job is money: loaning money and making money. They did their job for you; they loaned you money. You failed to do your job by paying them back per the terms you agreed to. That's not their fault. That's yours.

Your report does not belong here. Bring your whining to Facebook because the only person doing any ripping off in this story is you.

Oh yes, this sub-prime (deadbeat) loan company has only one goal in mind and that's to get little 'ole you!

You were PLACED with this deadbeat lender because prior to them it was YOU who developed a documented reputation of NOT paying YOUR bills on time.  No banks with a lower APR wanted to do business with you.  So what happens next?  This deadbeat lender decides to take a chance on deadbeat YOU and right on schedule, just like clockwork, YOU fail to make payments to them on time.  Isn't that a surprise!  Not only that, YOU haven't a clue as to how a loan works and how payments are applied first to interest, then to principle and how YOU run up extra interest and late charges because YOU continue to be a serial deadbeat and NOT pay YOUR bills!  Yes sir, its all their fault, isn't it?  Sure is the same 'ole deadbeat wail!