Consumer complaint received 2020-05-07
Company: HGREG.com
State: FL
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:
Good afternoon, my sad story began on XX/XX/XXXX when I chose the scam company HGREG XXXX. 
The seller who made the deal XXXX XXXX helped me choose a XXXX XXXX XXXX for {$19000.00}. The car had a mileage of XXXX miles, which is confirmed by the documents that I saved. XXXX XXXX assured me that the car was XXXX XXXX and therefore it was not in any serious accident. He also provided me with a XXXX XXXX XXXX. 
After I was taken to the lending department, where we discussed financing options and the size of the down payment. They also added {$890.00} to the Pre-delivery Fee, as they told me, financing is possible only if I agree with this. I agreed- but after that they said that XXXX XXXX bank put forward the requirement that GPS Monitoring Device be installed in the car, and this device costs {$990.00} extra and free installation. 
I refused, but they still included this amount in the contract. This is not the main problem - what happened next is completely fraud. Already in the document signed by me and H-Greg - they manually finished {$990.00} after I made a {$5000.00} cash deposit. 
Then they said that the bank again changed the terms and now it requires an additional {$5000.00} deposit - a total of {$10000.00} were made by me that day - including {$990.00} for a GPS device at the request of XXXX XXXX Bank. Only after making {$10000.00}, H-Greg provided me with a detailed Bill with {$890.00} FEE + XXXX GPS Device, they installed a GPS device and an hour later I drove home. 
The next day - this is a {$990.00} GPS device that supposedly required the bank to fall out of the steering wheel to the floor near the brake pedal. I was very upset by the quality of the installation and called H-Greg to fix it, to which I received an answer that this was not their problem - and that I should pay for the installation again if I want them to do it. Then I decided to contact the bank and find out whether they put forward the truth on the condition that I had to buy GPS for {$990.00} - and they replied that there were NO such conditions. Then I called H-Greg again and made a complaint that they deceived me, and that their device also disappeared and stopped working the next day. A representative of H-Greg asked me to come to them and talk with a manager named XXXX about uninstalling the device and returning {$990.00} for it. 
XX/XX/XXXX I arrived at XXXX, and the XXXX manager agreed to uninstall the GPS device, he said that since the car in credit they would send a check to XXXX XXXX so that my balance decreased by {$990.00}. On the same day, they took the car and uninstalled the GPS device. 
I asked to provide me with any documentation to confirm that they will return {$990.00} to my bank- but the XXXX said that only the cashier can do this - and the cash desk has already been closed since it was evening. I believed him in vain. 
About a month passed, and I constantly called the bank and checked my balance, no payments from H-Greg were received. The company H-Greg - gradually transferred me to the telephone line, where they did not pick up the phone or, answered, a person who promised to call back and had never called back. 
Despite the fact that my journey from XXXX to H-Greg XXXX takes more than an hour - I visited them about XXXX times during the first half of XXXX, they always said that they sent a check to the bank, or it was lost, and they will find out and send a new check. After XXXX months of wasting time and nerves, I wrote a review about this on XXXX and then on XX/XX/XXXX I was contacted by the head of H-Greg XXXX XXXX - she assured that she would deal with the situation and pay {$990.00} for the GPS that H-Greg took back. After that, other representatives of H-Greg contacted me- with the requirement that they need. Inspect my car, and so I come to them and leave them to the service. Since I no longer trusted this dealer, of course, I refused. After several weeks of unsuccessful conversations, they stopped responding to messages.

I just forgot about them and partially reconciled to the fact that they are just scammers and I have nothing to do with them. 
In XX/XX/XXXX, I paid the full balance for the XXXX, including {$990.00} for GPS. After full payment, I decided to sell my car and added it on XXXX for sale. 
XXXX gave me the history of the car in which there was information that on XX/XX/XXXX when the company XXXX bought it at auction, the car was marked AUCTION ANNOUNCED AS STRUCTURAL DAMAGE. The mark was for mileage XXXX as in the documents when selling to me. 
H-GREG - they sold me a car that was supposed to pass an inspection and have a Rebuilt Title.

I turned to a certified Auto Inspector, who after the inspection found that the VIN number was missing on the car body, and also the rear right side of the underbody was replaced without proper Rebuilt Inspection and Certification. 
As it turned out later, damage to STRUCTURAL DAMAGE - automatically equates a car with a Car with Rebuilt Title - and the price of such a car is XXXX % lower than a Car with Clean Title. 
As a result of Title fraud and document fraud for evading Rebuilt H-Greg Certification G-Hreg could not but know the fact that the car has STRUCTURAL DAMAGE - as it was indicated when buying at the Auction in the description. They intentionally hid this information. 

- I paid XXXX % more than the cost of this car. 
- I paid {$990.00} for the GPS - which they uninstalled and did not return the money. 
- I risked the life of myself and my family while operating a car that did not pass the inspection after STRUCTURAL DAMAGE damage. 
- I change tires 3 times a year, because cars - I would never buy this car if they did not provide a fake report that did not display STRUCTURAL DAMAGE in history. 

I provide. All evidence, documents, photographs, and I beg you to stop the flow of fraud that H-GREG generates XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation