Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Title loan) with Auto Advantage Finance, LLC (OK).
Issue: Loan payment wasn't credited to your account

Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXXXXXX, OK XXXX XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Sales and Finance Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Dear Finance Manager, I first went to the XXXX XXXX XXXX lot on Sunday the XX/XX/XXXX to look at three XXXX XXXX XXXX Trucks. Of course, the lot was closed. I took notes on the vehicles I was interested in ; 1 )  a XXXX XXXX XXXX with some hale damage, scratches and 67000 milages on the OD ; 2 ) a XXXX XXXX and 3 ) a XXXX XXXX. The next day, the XXXX holiday, Monday XX/XX/XXXX ; I went back to the XXXX XXXX XXXX lot @ the corner of XXXX & XXXX XXXX XXXX. It was approximately XXXX XXXX in the afternoon when I entered the dealership and immediately saw a sales rep. sitting in a cubical situated directly in the view of the door I came in. He turned out to be XXXX XXXX XXXX, Sales Associate. I introduced myself and went right into telling him what I was interested in. We went out to the lot and we looked at the XXXX XXXX XXXX XXXX XXXX XXXX truck. He told me it had 67K miles on it and the sale price was {$21000.00}. I responded with wow, thats a pretty high price for a used vehicle. I said something about the hale damage, scratches and last but not least the 67K mileage and that should bring the price down to where I could have payments from {$200.00} to no more than {$250.00} per mo. and still be able to pay full coverage insurance. At first, I was going to hold on to my car because it is paid off and only had 93K miles on it and I didnt think I would need it as a down payment to get into the 5 year old used XXXX XXXX. At the time a t.v. commercial was running for XXXX advertising that you could get in with a down payment as low as {$200.00} to {$250.00}. So I let XXXX know that I was willing to use my car as a down to get into the truck. My XXXX XXXX value was some where around {$4000.00} to {$4500.00}. I told him that I would be willing to pay as much as {$14000.00} for the truck. So, he told me to give him my license, title and proof of my income. He told me while he worked on my deal to go ahead and test drive some other cars just in case they might not come down off the price. So, I asked him if he had any XXXX XXXX on the lot because that is the car that I owned. XXXX pointed out to me a XXXX XXXX XXXX XXXX with 83K miles, priced at about {$12000.00}. It looked good by sight. So we went inside to get started and he asked me if I wanted to test drive the XXXX. I replied yes. He went to go get the keys to get me test driving. Mean while, he came back and asked me if I had my proof of income and Title with me. I told him I would need to go to the house and get it. We initialed some paper work and he went to go see if the car was ready for test driving. When he came back he said there was something wrong with the battery and he had to charge it cause it had been sitting for so long. I told him I would go ahead to the house and get my title and proof of XXXX income. So Im about to drive out of the lot when he runs up to the car and ask me if I wanted to take the XXXX XXXX and test drive it to the house and back. I told him, no, thats alright, Ill be right back in a few. He said he would take his lunch break, then. At that point it was about 15 minutes after XXXX XXXX in the afternoon. 
When I got back XXXX was with another customer, a young female. I sat outside of his office space for a good while. When one of the other sales associates passed I asked him if there was a vending machine where I could buy a soft drink. He replied no but Ill get you one and  proceeded to ask me what I wanted out of a cup of water, a XXXX XXXX or a XXXX? I told him a XXXX XXXX. I sat there for what must have been another thirty minutes when XXXX finally finished with his customer. I gave him my paper work, ( Title and XXXX proof of income ). He had me to initial several pieces of paperwork. I asked him what the paperwork was for, he replied, he said it was to allow me to test drive some of the vehicles ; then he disappeared for a few more minutes going in and out of the showroom area to outdoors. He came back a couple of times to tell me the car was still not ready to test drive and was still charging. When I was about to tell him to just forget it, he said ok its ready. So I took it out for a test drive. I could immediately tell the car was faulty in the engine because there was no power when I hit the gas pedal. I drove north on XXXX XXXX XXXX to the next lighted intersection and turned around. I told XXXX XXXX that the car was faulty and what I experience. He shook his head as if he knew what I was talking about. I asked him if he had talked to the finance office about what I said about my car as a trade in to get into the truck. He replied, Im working on it. So, we went back inside and I sat in his office space for about thirty more minutes when he came in and said why dont I try out something else in my price range. He went on to point out a small gray vehicle with a hatch back and only 40K miles. I told him in the beginning that I needed the truck or the XXXX which has a hatch back for my XXXX work, ( large frame pay-load about 36 X 36 ). So, I took the XXXX XXXX out for a test drive and it handled a lot better than the XXXX XXXX XXXX w/ 83K miles. When I got back I, again, asked XXXX XXXX about the deal I wanted on the truck he said Im working on it. Some more time passed. He finally came back and told me to go ahead and start cleaning my car out. I asked about the truck he again said working on it. Finally, one of the other sales associates came out to the car where I was taking the things out of my car and loading them onto the back of the XXXX. He asked me if I had signed my paper work and I said yes, we did that earlier in the afternoon. So, he took my key to my car and not thing I told him I would have to go home to get my spare. So I finished and went home. It was about XXXX XXXX in the evening when I left the dealership. When I went into my front door I noticed I had a message from XXXX on my phone saying I should come back ; we needed to finish the paper work. I grabbed my spare key and went back. 

I got home, again, the evening of XX/XX/XXXX and did some research and was shocked. I, immediately, called XXXX XXXX to let him know that the deal was not satisfactory, legal and was wrong and to call it off. I told him that the price he gave me for the XXXX was way over priced and did not include my cars value as a trade-in. He told me that the car was selling at $ XXXX and with my trade-in, would have put it, at least, about $ XXXX. XXXX XXXX told me, after I called him before he left at XXXX XXXX, on the evening of XX/XX/XXXX, that it was out of his hands. He told me, oh yea, they gave me {$2000.00} for your trade in. I came back to the dealership at around XXXX XXXX and spoke to one of the sales reps., who was still there, where I saw XXXX XXXX going in and out of his office. I thought he was the finance agent. He said he wasnt and I should come back in the morning to talk with the finance dept. On XX/XX/XXXX I, XXXX XXXX XXXX, was instructed to contact the XXXX financing department, by XXXX, about seeing if I could get some help in re-writing the alarm filled sale, conducted by him, made correct in the infancy of the, supposed, negotiations. He called a number ; it was ringing when he left me in his office, by myself, to discuss the deal, however, the answering machine came on and revealed that the office was closed for the day. I left his office to look for him. I found him sitting in a lounge. I told him he would need to call and get a finance officer on the phone. He kept saying I would have to do it. I insisted he call. He tried and got the same response. Finally, one of the other sales reps. hollered in at him to try a certain extension. The finance supervisor came on, ( XXXX ) and told me everything is final. She did not want to hear that I never had a chance to speak with someone in finance about using my car as a trade-in and that I never saw or signed my titled over to XXXX. 

That was a total misrepresentation of my free and clear title and constitutes fraud. Bottom line is when XXXX XXXX got his hands on my Title he immediately went to another part of the dealership and proceeded to sale my car for what he could get for it and pocket the money. After I signed the last paper he told me, we just, straight up, traded titles across the board. I immediately told him, that is not correct. I made a final attempt to speak with the manager in finance XX/XX/XXXX at about XXXX in the afternoon. I have not heard from anyone else at XXXX on this subject. 



Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation