Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am financed through alliant credit union, I have attempted to call alliant credit union to let them know that the add-on was forced and that I would like it removed. The national customer service phone number stated that this was an in-house financing through XXXX XXXX and that is an indirect sales team which they could not transfer me to. The call center representative also noted that they do not have access to that document and they can not further help me. 

On XX/XX/year>, I went to the XXXX XXXX XXXX XXXX XXXX  and was purchasing an RV trailer. The sales representative said that the XXXX XXXX XXXX package was optional and it was listed as optional on the sales contract. I asked for more information on this package add-on and they would not provide it in writing. I contacted the Corporate chat live, and they would also not release this information. I began to ask them if this was optional on the chat live and they would not release that information. On XX/XX/year> when I agreed to purchase the vehicle I asked for the lets go camping package to be removed. The general manager, XXXX XXXX would not remove this package, and the sales representative stated that they do not sell any RVs without this package. They also stated if I was not to purchase this package, they would not sell the RV or the financing would not go through to prevent me from purchasing the vehicle. I notified them that I am a California resident and Im entitled to California consumer protection laws. They said the general manager XXXX XXXX did not care and has the right to refuse to allow me to purchase this vehicle. They told me its listed as optional, but is indeed mandatory to purchase the vehicle. They had my deposit already, so I purchased the vehicle in contest of this add-on and notified them that I was making a complaint with the consumer finance, I was told if I were to file this complaint that the financing would be in jeopardy and they were still not be removing the optional add-on. This add-on is listed as {$1900.00}. 

I asked in writing for them to state the problem and that they would not sell me the vehicle unless I purchased the optional, lets go camping package as they charge every person and sale. 

The company refused to put this in writing and said that they would have another reason to not sell the vehicle in the event that I kept pressing the issue. 

XXXX XXXX of XXXX, particularly XXXX XXXX is violating all the rights that are provided to consumers in California. If they were to audit the sales records and interview, the people who purchased the RVs, they would indeed see that they do not sell any RVs without this package and it is being forced by XXXX XXXX, general manager of XXXX XXXX XXXX XXXXXXXX. 

This company has violated : The California Business and Professions Code, especially Section 17500 and Section 17200, provides protections against unfair or deceptive business practices. These sections prohibit businesses from engaging in false advertising, misrepresentation, and unfair coercion. 
* If a dealer forces a consumer to buy optional add-ons ( i.e., charging for things that the consumer did not choose voluntarily or that were falsely presented as mandatory ). 

I want to be noted that the company sales team has told me that This complaint could result in my trailer financing not being completed or being refused.

Company response to consumer: Closed with explanation