Consumer complaint received 2023-05-18
Company: ALLIANT CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
RE : Additional charges added to two loans without our knowledge or consent by this dealership. I have taken the steps to negotiate with this dealership unsuccessfully and they have refused a full refund of the undisclosed charges of " RV Complete Warranties ''. Adding " Additional charges '' to a loan without our knowledge or consent is not legal. I have read this through research and by talking to other well known dealerships. We purchased the RV from XXXX XXXX XXXX Texas on XX/XX/XXXX during the finance process the loan originator for our financing told us the lender etc and provided signature pages only not the full " buyers order '' we were never made aware there was a " buyers order ''. We were lead to believe we were signing loan documents on for XXXX XXXX XXXX XXXX IL. I spoke to XXXX on XX/XX/XXXX and they strongly suggested we file a complaint with the BBB as well as filing a complaint here. We did that file with the XXXX  on XX/XX/XXXX. During the loan process were only provided signature pages. The dealership added " Additional Products '' to our loan without our knowledge or consent. Neither the sales person XXXX XXXX or the loan originator XXXX XXXX never shared information regarding " RV Complete '' we did sign forms included in the signature pages that said RV Complete and we thought it was services provided included in sales price. The total charges added to our loan without our knowledge or consent is {$12000.00} for this purchase. We left the dealership without any paperwork and did not receive any paperwork for several weeks after the purchase they arrived via US mail. To add to the issue we decided to take this RV back and trade for another before we discovered to charges added to the first purchase. They would not allow a trade only a consignment sale. At the time of the second purchase they repeated the process above and charged us an additional {$15000.00} to our second loan. They also made a very unethical comment to us they said " if the other lender called about the new loan to tell them the other RV was a boat '' which was a lie. We contacted XXXX XXXX @ XXXX a manager at " RV Complete '' to dispute these charges and actions. He refused to remove the charges. 
The total amount added to two loans and hidden from us is {$28000.00}. If we had decided not to keep the first RV and look at our payoff of the loan because of the deception during the process I am not sure we would have discovered the charges until much later. After much reseach and talking to other people who had puchased RV 's elsewhere with " warranty offerings '' that were disclosed I learned this is a regulated industry with protections to keep this from happening. We are in a business ourselves that services the RV Community and are regulated by the department of insurance in each state. We hold ourselves to the standards of the Department of Insurance. We are seasoned RVers and have never had anything like this happen to us in fifteen years during RV transactions. If we had been offered the " Additional Products '' would would have refused them. My concerns are if they were able to deceive us they have more than likely repeated this practice more than once. When researching XXXX XXXX on the internet it reveals their " Main Industry '' as insurance NOT RV sales.

Company response to consumer: Closed with explanation