Consumer complaint received 2018-07-28
Company: Reliable Credit Association, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Please mail all corresponding documents to this mailing address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Contact Phone : XXXX Alternate Phone : Email : XXXX Age Range : XXXX Name of car dealership in question : Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Bus Phone : XXXX Email : Website : XXXX XXXX Names and addresses of other businesses involved in your complaint : Reliable Credit INCXXXX XXXX WA XXXX Transaction date : XX/XX/XXXX Amount in dispute : XXXX Explanation of complaint :XX/XX/XXXXme partner went to test drive a XXXX XXXX XXXX at XXXX XXXX XXXX The car was not available for us to test drive but the sales rep insisted on needing us to put the {$2000.00} dollars down on the car to secure the car for us. I was not wanting to put the {$2000.00} until we had the pleasure of driving the XXXX XXXX XXXX. The sale rep XXXX insisted that I give him my debit card to scan in order to hold the XXXX XXXX XXXX for us. Again I was not wanting to give XXXX my debit card out of the fear my card would be charged before we even got to test drive the XXXX XXXX commander. Paperwork was signed on XX/XX/XXXX for the purchase of the XXXX XXXX XXXX but we never got the pleasure to test drive it. 3 days later after having put {$2000.00} dollars down on a XXXX XXXX XXXX that was for sale at XXXX the XXXX XXXX check engine light came on and the car would not speed up past 50 on the freeway. My partner and myself took the car in an were told that their was XXXX dollars worth of repairs needed including a head gasket leak. On XX/XX/XXXX we took the car back and requested out money back. We were approached by sales rep named XXXX who told us that if we put XXXX more down they could fix the XXXX XXXX. I told her that we wanted a car that was already fixed. Then sales Rep XXXX asked us if we had another car in mind. We said yes the XXXX XXXX XX/XX/XXXX. We decided to take the car on a test drive and was even allowed to keep the car overnight but before we finalized our paperwork In XX/XX/XXXX XXXX dollars was extracted from my checking account for the XXXX XXXX that was for XXXX after we had already been denied for the XXXX XXXX XXXX. My partner was so happy with what the car looked like he wanted me to put {$2000.00} more down to secure the car for us as he needed a vehicle badly for work and his credit score was only XXXX which XXXX lied and stated it was XXXX. Within 3 days of us having the XXXX XXXX the check engine light comes on, the car begins smoking from the engine making loud noises as my partner would turn each corner and then locked up on the freeway not being able to speed up past 50 MPH. I am totally upset as I had put {$4000.00} down on a the XXXX and I demanded my partner take the car back. My partner insisted we get the car serviced to see if the issues are minor enough for us to fix. On XX/XX/XXXX within the 30 days of purchasing the vehicle we have the XXXX XXXX serviced and were told that the Valve for the head gasket has a leak, the oil pan gasket has a leak and needs to be replaced the spare tire is completely bald the struts are bad and the repairs would cost us a total of {$4700.00} to fix. Non of the vehicles we purchased showed us what was wrong with the cars nor were we offered any kind of Warranty for our vehicles purchased. In fact I was told my partner was denied a warranty due to his poor credit score.XXXX XXXX never had any of our vehicles service for smog inspections as I requested such documents I was told by XXXX XXXX that XXXX XXXX does not mechanically service their cars. How is it possible that dealerships are able to sell used cars without having a mechanic fix the issues wrong with the car before they resell them? Does ones credit really determines whether or not a car dealership offers one a Warranty. According to XXXX XXXX who I spoke with on XX/XX/XXXX he told me because my partners credit was poor he was not offered a warranty. How many other people have purchased cars from them and the check engine light came on 2 or 3 days later in which one finds out that there is a lot more wrong with the car then what they bargained for. I called to asked them if they could please service the car like they should have done before we financed it for {$16000.00} with putting {$4000.00} but come to find out the car was really financed for XXXX at XXXX percent interest on top of a XXXX down payment. XXXX XXXX laughed in my face and told me I am not the contract holder even though the money came out of my bank account and I should not be calling him 30 days later to address something like this when we should have came in when we first notice the signs. As I was working through XXXX for the XXXX XXXX that job ended XX/XX/XXXX and my last day of class was XX/XX/XXXX of XXXX my partner had work thus is why we were not able to have the XXXX checked out until XXXX. On top of putting down a high down payment for a car that was valued at XXXX my partner and myself were charged XXXX percent interest with a total of XXXX being paid to reliable credit within 42 month 's according to such contract signed. The only way the dealership is willing to fix the XXXX XXXX XXXX car they financed us is if I put another {$2000.00} down with a total of XXXX invested in this car in 45 days of the purchase. this makes no sense to me. The vehicle we purchased is in my partners name XXXX XXXX. This complaint has been filed with the XXXX auto department, XXXX Attorney General, DOL investigations and the federal trade commission yet I am being forced to have to file a small claims against this dealership and Reliable Credit INC because of their continuing probing of their documents and misrepresentation of selling cars that they know are defective. When I questioned reliable credit to see if my partner had qualified for the XXXX XXXX XXXX  which we put XXXX down and it was priced for XXXX according to reliable loan approval process he was denied. Please help us. XXXX   whole defense lies on me XXXX XXXX not being the contract signer when In fact I was not allowed to sign thus contract because I am a student and the money paid for with the car came from my student loans. But according to XXXX my student loans are not certifiable means of earned income

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation