Consumer complaint received 2020-11-20
Company: New Century Auto Sales, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I purchased my first car on XX/XX/XXXX from Rightway Auto in XXXX, Indiana. XXXX XXXX was is my dealer. I visited him a time before and was offered a deal but I did not like the car. On the XXXX I came in that morning and was sold the first car I was shown that day. It was a XXXX XXXX XXXX. Originally I had different set terms, and including a down payment of a XXXX dollars. But on XXXX XXXX I was told instead that my new down payment would be just XXXX upfront and thats it. As I signed the paperwork I noticed that it stated my down payment was only XXXX. I then questioned him and asked why am I obligated to pay an extra XXXX if my paperwork only states XXXX. He Pulled me outside and called my mother in my cell and told us that the XXXX was for him erasing my inquiries ( I still of course have inquires to this day ). Afterwards we went back inside. He had me sign paperwork m, and he told me to sign it all now and then I can later when I get home. When I tried to further read, he basically tried to rush me through it. All while signing the paperwork he noticed I was concerned about the XXXX. He then told me I can give him what I can but he made sure that I didnt give the extra money along with my XXXX down payment on my card. He said give him the extra money either in cash or in XXXX XXXX. Before I pulled off he asked me did I send it yet. By this time he hounded me a few times, so I placed his XXXX XXXX in my phone and gave him XXXX ( still have records ). He seemed disappointed, but I was still sketchy about giving him money so thats why I sent XXXX instead of XXXX. He also claimed it was detailed before I pulled off, but there were still black spots on the ceiling. I also noticed my radio didnt connect to bluetooth and he told me they wouldnt be able to fix that there. When I pulled off I immediately started to notice my right mirror was crooked and I messeged him via text message to inform him of the problem but there was no response that day. The very next day my engine light came on. Me not knowing Cars, and also taking in consideration that it was a used XXXX, i bypassed it. Even then I never received a response about my mirror hanging. I even notice it hesitated sometimes, sounds wierd after I fill it with gas. Weeks went by, I ended up being without a phone and a family member getting sick with XXXX and needing to quarantine. Around that time I was told by my father that the dealership was trying to get in contact with me. Once I finally got in contact My dealer at Rightway I was told I needed paystubs again. On XX/XX/XXXX, I said through text message my situation, and I also stated I was accepting of having to return the car or any other consequences, partially to have it in writing. He then messaged me back that it was fine, and that he let the bank know. He also stated that there was no need to come up there that day. On XX/XX/XXXX I also told him that I had my payment ready like the contract stated XX/XX/XXXX. The next week came and he called me again on the XXXX ( the day my payment was due ) stating that he needed more pay stubs still. I stated to him I thought it was settled. He explained to me over the phone that I would have to present him the Stubs Because XXXX XXXX  was supposedly still waiting for my paystubs even after the fact. Either that or I will have to give him the car back. I told him I had my money prepared, and he stated that I hold on to it because I still have to pay regardless. On XX/XX/XXXX, I asked for the second time can I return the car and added facts from the contract stating that if my original credit contract was denied that I was to receive full payment on f it was before 60days. I tried to confirm if that information was correct. On that same night XX/XX/XXXX, he text me saying in quote The deal is done. You have to make your car note payment in the morning He then mentioned about my paystubs again. When I exclaimed I was confused and that the contract stated I can return with refund he never responded. He called on the XXXX trying to negotiate but ended up having his voice very intimidating and almost yelling tone, stating that he had been trying to help me for 2months when its actually been 1month and that this is how I show my appreciation by returning the car. He kept saying two months but I received this car XX/XX/XXXX, so its only been a month. Afterwards of me getting upset, he tried to get calm with me again saying that he has kids that are my age and hes just trying to help me. He even stated that he was going to call me on three way with XXXX XXXX  and we were going to make my first months payment the next day even though it was supposed to be in the XXXX. I was concerned because my payment was due the day on the XXXX. I admit he called me and left a voicemail on his cellphone the next day XX/XX/XXXX, but XXXX kind of dont feel comfortable speaking to him any more since he tried to use intimidation and forceful tactics with me after asking about the return policy. I also didnt trust paying him directly since everything seemed so confusing and he in fact didnt have anyone on three way with him when he left his voicemail. I received a letter About two days later stating that XXXX XXXX  actually denied me on XX/XX/XXXX. So there was no way XXXX were waiting for my payment like he stated, nor are they looking for more info because I was denied a month ago. I am now way more concerned than I was before because Im not sure as to why I wasnt able to return the car in when I offered TWICE. I am also concerned because he told me that my deal was done, when it was in fact denied a month ago. I even tried to make payments and was told to wait. Im even upset I was hounded to pay him via XXXX XXXX  for falsely clearly my inquiries that I NEVER asked him to do in the first place. I feel Im being scammed to keep a lemon car because all in all the car isnt really m worth going through such a HUGE hassle.

Company response to consumer: Closed with non-monetary relief