Consumer complaint received 2018-10-21
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Dealer was selling XXXX XXXX XXXX  XXXX vehicle for {$10000.00} with automatic climate control, the vehicle sold to me was a XXXX XXXX XXXX XXXX with no climate control not stated on the website for {$10000.00}, when I bought the truck it did not come to my attention that the seat reclining handles were missing and the front grill was being held on by zip ties none the less being very immature and irresponsible I gave a {$2500.00} down payment to dealer, somehow the vehicle cost went up from {$10000.00} to {$11000.00}, the dealer stated to tell the financer that it was a XXXX extreme package and he sent a text message to my phone with picture to provide the financers claiming they would not permit the loan for some reason, I have attached both photos of the website cost and pictures sent from a ( XXXX ) area code that is from XXXX the sales man at auto source in banning CA. I still have the original radio and speakers that came in the vehicle, as the pictures he sent have a touch screen radio leather seats, and electric reclining seats, sun roof, chrome handles, and chrome rims as you can see in the first photo the vehicle he took the picture out of do not even have the 4x4 control over the radio as the one he sent me, nothing came with the vehicle as I stated I  was young and gullible and went along to make sure I got this vehicle. I got the vehicle this year in XX/XX/XXXX because I had gotten a new better paying job and I've been paying it off every month but 3 months ago my son was born and I lost my job I cant continue to pay for this vehicle, I have had no luck finding work I called Veros credit ( The Loaning company ) and informed them on this situation I asked if they could re-finance the vehicle and they stated they do not re-finance, they offered to postpone payments for two months while I find work but it would still incur interest at about 4 $ a  day and that was unreasonable given the circumstances I need a vehicle to find work in my profession but right now I cant get anything even XXXX turned down my resume because I didn't have the " proper qualifications '', I also asked if I gave the vehicle back if they could forgive the debt as I installed {$5000.00} worth of parts and accessories to the vehicle including {$2500.00} for 4 '' lift kit, {$250.00} for a 1 1/2 body  lift kit, {$350.00} touch screen radio, {$200.00} back up camera, {$2000.00} for off road tires and wheels, {$200.00} for brand new leaf springs, brake disk, brake pads, and  drum brakes, not to mention all the parts I've replaced including but no limited to thermostat, water pump, radiator, clutch fan, power steering pump, spark plugs, oil every 3,000 miles, oil filters, coolant, and power steering fluids. They informed me that they could only take the vehicle in and sell it at auction and I would still owe the left over the vehicle however it does not make sense to give them the truck and still owe 4-6 thousand dollars that still incur interest over time with no vehicle, they also gave me a  17 % - 24 % interest rate even though my credit was at XXXX and my ex girlfriend ( girlfriend at the time ) was at 640-680. The amount charged for this vehicle at that time was not even near the dealer ship trade in cost nor the value of this vehicle as a private party sell. this was the very first vehicle I had ever bought and it was a complete mistake I had just paid off my debt and got into this debt that now I cant afford please advise and help.

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