Consumer complaint received 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Mitsubishi XXXX XXXX located at XXXX XXXX XXXX XXXX at the XXXX XXXX never gave me my bill of sale at the time of purchase. All I remember is the XXXX who was the finance guy scrolling through a bunch of paperwork on the tablet and I signed my name. I dont remember signing the bill of sale nor looking at it. I believe my signature was copied and pasted. As you can see in the documents my signature looks exactly the same! The only document I signed was the paper sales tax transaction return paper that I was told was the bill is sale! XXXX XXXX who is the Volume Car sales XXXX scrolled through the documents and just told me to sign my name and that my APR will be 9.45 % The attached paper work is what I received as the final price on my car not the paper that states XXXX. And if everything was being recorded at the XXXX department as XXXX said, none of this shouldve ever happened to me. If paper work as well as email communication is what you need in order for me to prove my case I will give it to you. I am just one person so if I am not being heard here I will take matters further to the FTC. I am just climbing the ladder. 

As you can see I have attached the final price of the car XXXX showed me. The total price of my car was suppose to be {$21000.00} with my {$1000.00} down payment. I was very furious when I found out this document was not my Bill of Sale. I found out this was not my bill of sale once the Capital One Account was opened in my name. {$25000.00} was what I saw as the todays payoff and the principal balance as {$24000.00}. I have a attached a picture of the car listed price and the auto loan that was opened in my name. I immediately went up to the car dealership and spoke with XXXX and XXXX about this. 

I was BEYOND confused! I started to get an attorney but then I went to the dealership and I was able to cancel the warranty and gap insurance. If you can see the emails I have attached back and forth from XXXX on this madness. Ive also attached the paperwork of the warranty and gap insurance being canceled. This is what I call HIDDEN FEES. 

I dealt with this during XXXX and Im still dealing with this now. This is insane! The dealership does not answer their phone calls either I had to drive up there a countless number of times so thats gas money which isnt cheap by the way. This is not just a matter of improper credit usage in my name but I was scammed at this dealership. I dont believe I signed all the paper work that was shown to me either. Everything was done on a tablet. My signature had to be forged.. copied and pasted! If you look at those lines completely my signature looks THE EXACT SAME! 

If you just take a second to look at the paperwork of the bill of sale the dealership gave you, you will see in actuality the car I saw the price listing on was in fact {$18000.00} not XXXX Im not even sure where my {$1000.00} down payment went towards? I will attach a picture of the listing of the Mitsubishi XXXX suv listing price. 

I paid the auto loan in a lump sum because of how much interest was building up. I understand my name is on the paper work. But whos to say the dealership didnt copy and paste my name! 

We can settle this if I am awarded the amount that was loss from the dealership, time and suffering or we can settle all this in court. I was not given my bill of sale in the first place I was given the other sheet. I will take matters further with Mitsubishi. The cost of the car in total I was told at this dealership was {$21000.00} and its also stated on the paper work I have attached! If this was not my bill of sale why was this given to me??? I want an answer. 

Not only I have been going through stress, pain and suffering but I have loss so much time and sleep over this! If the attached document isnt the bill of sale XXXX dont understand WHY it was given to me. And why XXXX told me this was the full cost of my car! A video of me and the finance guy was recorded in the finance room. They have a camera hovered over his shoulder I guess because this dealership has scammed other hard working people. And you will see that the paper work given to me was the price I agreed on to buy the car which was {$21000.00} Theres no way I wouldve paid {$24000.00} for this car. There were a ton of hidden fees that I was not aware of. Documentation fee, Public Officials, Sales tax, Extended warranty, XXXX XXXX and XXXX insurance. I was not aware of it because it wasnt listed on the paper I was given attached to this email. I even had to email the finance guy to give me a copy of the bill of sale and warranty. Please see the attached emails of me and XXXX back and forth. 

When I tried to return the car a week later after learning about all the hidden fees and after the total price of my car on my Capital One Auto loan which was XXXX thats the price of a whole new car! I was refused and declined when I tried to return the car. I explained to them this was not what I agreed to! They didnt care. XXXX, the sales XXXX told me I would have to pay {$2200.00} plus this would go on my record as a repossession. I believe I was scammed and lied to. 

I didnt want to damage my credit as I am in the XXXX which is great standing. 
I also needed a car to get back and forth to work. And I didnt see the reason to pay {$2200.00} for a car a dealership put hidden fees on.

Company response to consumer: Closed with explanation