Consumer complaint received 2023-12-24
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/22 salesman text me asking if I wanted to make an appointment to come in. I responded : I'll have to wait. Had an unexpected expense and will need to be paid again to have a down payment If I wanted to proceed with the option to file taxes pay later how does that work To defer my down payment for a later date or when my taxes come in. They text back : last current check stub and file taxes with us here at XXXX XXXX with our XXXX XXXX  program. We've teamed up with XXXX to get you an early advance on your tax refund. When you come into the dealership your  XXXX  will assist you with filling out the tax estimator to see how much you can expect back. We can advance up to {$2000.00} of that now to use toward your down payment. It's a great way to get you into that dream car NOW instead of having to wait 3-4 months from now. If you're interested, I then responded : But if I only need XXXX what Happens the rest of it as I did not want to apply my entire refund to a car just XXXX They responded : we can do the XXXX  XXXX deal with the XXXX today if you wan na come in and we can inform you everything about it At this point I called my salesman and asked again for reassurance of my understanding on the XXXX XXXX program based on the sole fact that I didnt want to pay for XXXX for XXXX  miles and not leave with a car. The salesman assured me on the phone I would leave with a car using XXXX  XXXX. I made it clear I did not have a down Payment. The XXXX  XXXX promotion is advertised on their website and on site and says : drive now pay later use your future refund now Fast forward to arriving, test driving, even signing a contract, and when I was asked for the down payment, I reminded the salesman helping I was using the XXXX  XXXX program. He wasnt very pleasant, and proceeded to educate me on his interpretation of the program and said the program was for higher end vehicles requiring larger down payments and later said the XXXX  XXXX program would work with my chosen vehicle however I was required to pay half down and the other half come from my return. This Involved an increase in my required down payment that went from XXXX to XXXX now bc I wanted to go the XXXX  XXXX route. 

To conclude a very frustrating time, I was forced to leave using XXXX again with my own funds as they would not pay this for me even though they assured I would leave with a car. 

Once it was established I wasnt getting anywhere I was left to find my own way home and the sales  went on as he began calling potential clients and had nothing more to say to me. 

My request for resolution is clarity in writing of this XXXX  XXXXXXXX drive today pay later program and update marketing to clearly outline it isnt true as the salesman confirmed today and left me paying {$75.00} I. Rideshare fees out of pocket.

Bad business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief