Consumer complaint received 2021-11-03
Company: American Finance LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
After purchasing the XXXX XXXX XXXX from XXXX XXXX, XXXX DE in XXXX of XXXX, I agreed to lease the vehicle with American Finance Company. After test driving the vehicle, I noticed that they had the air conditioning blasting in mid- XXXX. The car drove great, and there were no indication lights on. After driving it off the lot, I turned off the air. In two days, the engine light came on, and so I took it back to XXXX Co. The mechanic stated that there was a small part on the engine the size of a pea that was bad. I had a warranty on the vehicle. American Finance immediately stated that I had to take the car to their service station. Which I did. After a week or so I picked up the vehicle. Soon after, American Finance called and stated they needed to place a device inside of the car. Right after that, I drove the car, and there wasn't any light on, and then a few weeks later, the engine light came on again. I called the warranty station, and they stated that the warranty had expired. I took it to auto zone, and they stated something about the coolant pack, and that they couldn't read the codes. I took it to a mechanic, and they took the car apart, and still couldn't find what was wrong with it. I kept putting coolant in the car, and nothing worked. By this time, I had already paid American Finance XXXX, and the car total was XXXX. I told them several times, after purchasing the vehicle that something was wrong with it, and that their company didn't fix the car. They stated, 'well that really your problem. The car would break down in odd places, and frequently. American Finance picked up the broken car with my things inside. While at their gated facility, they broke the window in my car, and some of my personal items were stolen. They called me the next day, and told me about it. I asked them how did someone break a window in a tightly secured gated parking lot? They gave their apologies, and stated that they would repair the window. I also find this to be criminal. At the end of the story, I requested the remaining balance to be voided due to the car being a lemon. They then harassed me afterwards, and stated no, youre going to pay for the vehicle, as they sent garnishment for my wages. I believe the company intentionally sold me a car that wasn't any good, and that they also didn't fix the car, after I took it to their repair shop. I'm asking the courts to diminish the wage garnishment, and void the remaining balance on the vehicle. I will be pursuing this further as I believe, that they intentionally sold me a vehicle that wasn't operable. Attached I have a receipt and picture of the XXXX XXXX diagnoses, and also the reference from the mechanic that service the vehicle. To add to the evidence, I had asked American Finance if I could have one last mechanic take a look at it, and they stated, '' absolutely not. If someone could please look into this matter, as I have been harassed by them on a constant basis. They are charging me judgment fees, and interest, which totals XXXX 'm asking the courts to delete this payment to {$0.00} due to them selling me a car that was a lemon, and not operable, and not fixing the car. Also, for criminal activity that they performed while the vehicle was in their procession. 

XXXX XXXX vs American Finance, LLC Thank you.

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