Consumer complaint: This complaint is regarding FLAGSHIP ACCEPTANCE XXXX, LLC AND THEIR PREDATORY LENDING PRACTICES- the complaint also names XXXX XXXX XXXX and how I became association with Flagship Acceptance XXXX, On XXXX XXXX, XXXX, I XXXX XXXX XXXX traded in my XXXX XXXX Sentara Sedan 2.5 limited edition vehicle VIN XXXX that was purchased at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX for a XXXX Nissan Versa XXXX XXXX. The new vehicle was purchased at the same location but now under the name of XXXX of XXXX XXXX. I did not want to purchase a new vehicle however due to the cost of maintenance of the XXXX Nissan Sentara, I did not have to many choices due to my credit history and obtaining financing for a used vehicle. My decision to go back to this dealership was because of my past experience when purchasing the XXXX Nissan Sentara and the same sales manager XXXX XXXX who signed the then buyers order and assisted the then sales consultant XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX and also XXXX XXXX was then the manager XXXX. I felt confident since both XXXX and XXXX XXXX who is now a partner with XXXX of XXXX and the honesty and the 15 years ' experience of sales management of XXXX XXXX at the same/newly name XXXX of XXXX. I am the first to admit as I did in XXXX with XXXX who then worked with XXXX XXXX that I have credit challenges with my first care my interest rate was 11.92 %, finance charge {$7300.00} vehicle purchase {$18000.00} total payments {$25000.00} with the total purchase of {$26000.00} and the total cost of the vehicle in XXXX for the Sentara. I was then financed with XXXX XXXX XXXX XXXX and the terms were at 72 months {$350.00} per month with payments beginning on XXXX XXXX, XXXX. ( I was later explain why this is relevant ). When I came to look at vehicles at the XXXX of XXXX XXXX, I was assigned to work with XXXX XXXX XXXX and with XXXX assisting. I wanted to get another Nissan Sentara but I wanted to keep my payments at {$250.00} - {$300.00} per month. XXXX XXXX 's appeared to be a little bother of my request, XXXX stated that I would have to look at a Nissan Versa to stay within that payment. After going back and forth the terms for the XXXX Nissan Vera was my {$500.00} down payment and my XXXX Nissan Sentra trade in, interest rate at 13.49 % with {$9200.00} finance charge the vehicle purchase of {$19000.00} total payments {$28000.00} with the total purchase of {$29000.00}, terms 72 months at {$390.00} financed with Flagship Credit Acceptance with monthly payments beginning on XXXX XXXX, XXXX. XXXX stated to me that like the purchase of the XXXX Nissan Sentara, after six to twelve months of on time payments, He and XXXX of XXXX would help me in refinancing the vehicle for lower payments just like he and then XXXX assisted. After approximately six months I went back to the dealership and the new finance company was XXXX XXXX XXXX, payments with this company was reduced to {$220.00} per month. The decision to make this purchase was based on the promise that if I made my payments on time that I would receive the same assistance and financing. I was promised and also asked by XXXX XXXX XXXX ( Sales Manager ), XXXX XXXX XXXX, ( Sales Consultant ), XXXX XXXX XXXX, Owner ( XXXX Manager ) and XXXX XXXX XXXX ( Account Manager ) when the survey come in from XXXX XXXX to give the dealership the highest ratings. XXXX XXXX XXXX assisted on the financing my tags were transferred from the Nissan Sentra. XXXX XXXX provided a temporary registration Identification and that I would receive a permanent registration no later than 30 days. Then I received numerous calls and emails with the first XXXX from XXXX 

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