Consumer complaint received 2020-05-14
Company: First Help Financial, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX - I went to XXXX  XXXX dealer and bought a new car.I gave them {$5.00} down payment in cash, paid {$550.00} for a GAP insurance and financed the rest of the value with the Financial Institution First Help Financial , which was indicated by the Salesman and negotiated by him. All negotiation was done by Salesman which I have emails that proved that I gave him my personal information. It was the first time that I was buying a new car so he told me that it would be better if I give my personal information to him so he could deal with the financial institution. XXXX- After almost of 2 years paying my auto loan on time ( paid {$17000.00} ) and without any late payment I contacted the financial institution First Help Financial to inform them that due to Covid- 19 Pandemic I had a substantial loss of income and I could not pay my loan on time the way that I was doing for all the time that I had my car loan. XXXXEven with all challenges due to this pandemic and my economic hardship situation I paid my car loan and they charged me a late fee. After this payment I asked the institution to send my contract copy loan so I could compare with the contract that I had in my hands and see if I could refinance my car loan with another financial institution with a better interest rate since my credit score improved drastically. XXXX First Help Financial sent the contract to me and for my surprise the contract that they sent has a signature that was not mine. IT WAS FORGED. Another thing is that the contract that they sent to me was different from the one that I signed with the XXXX XXXX XXXX. The amount financed is different from the contract that I have in my hands. Also the down payment value is different and the gap insurance does not appear in the forged contract. XX/XX/XXXX After realizing that FRAUD I contacted XXXX XXXX dealership by email and by phone and asked them to send the contract in my email. The contract that they sent to me has the same FORGED SIGNATURE which I do not recognize as mine. XX/XX/XXXX I contacted XXXX XXXX and First Help Financial again by phone and by email and explained that the signature is not mine and I do not recognize that contract. I also contacted the GAP insurance company XXXX XXXX, which is the company that the salesman told me that I have my GAP insurance/ contract signed by me and the company said that according to my VIN number they never had any contract with them. I have in my hands a contract with GAP Insurance which I bought at the moment that my cars purchase. After realizing that I was the victim of a scam I am constantly trying to contact the companies involved in this contract. All emails and documents that I have proves my situation and how hard I am willing to solve this problem. I had a financial loss but more than that I am concerned about my signature being frauded.I do not trust XXXX  XXXX and First Help financial anymore and I want to void the contract, my money back and return the car. With all documents and emails I can easily prove that my signature was forged. As a result of this unfair or deceptive act or practice, I suffered injury or loss of money as follows : {$5.00} Down Payment, {$550.00} GAP Insurance ( XXXX  XXXX ) {$17000.00} ( First Help financial )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief