Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WESBANCO BANK, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Overcharging and Potential Deceptive Practices in Sale of Wheelchair-Accessible Vehicle Dear Consumer Protection Division, I am writing to formally file a complaint against a XXXX XXXX regarding the sale of a wheelchair-accessible vehicle that I believe involved overcharging and potentially deceptive business practices. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( XXXX # XXXX ) with XXXX miles. The vehicle was already modified with a used rear-entry, lowered floor, and manual ramp conversion. The total price paid was {$46000.00} at an APR of XXXX %. The vehicle was marketed as fully modified for accessibility, but I later discovered that the price I paid $ XXXXsignificantly exceeded the fair market value for comparable vehicles, even when accounting for modifications. Despite advising that this was a personal-use modified vehicle, banks classified it as a commercial vehicle. 

Based on current market estimates for similar vehicles, the fair market value range is approximately {$28000.00} to {$32000.00}, with an average of {$30000.00}. This indicates an overcharge of {$16000.00}, or XXXX  % above the average market value. 

This significant markup, particularly for a used conversion, raises concerns under the XXXX  XXXX XXXX XXXX ( XXXX XXXX ), which prohibits unfair or deceptive acts or practices in trade or commerce. I was not provided with a clear breakdown of the modification costs, and certain fees were not disclosed until the final paperwork was presented. 

I respectfully request that your office investigate this matter and determine whether the dealership engaged in unfair or deceptive practices. I am also seeking guidance on potential remedies, including a refund or adjustment to the sale price. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Vehicle Valuation Summary XX/XX/XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX : XXXX Mileage : XXXX miles Purchase Date : XX/XX/XXXX Purchase Price : {$46000.00} XXXX : XXXX  % Accessibility Modifications : Rear-entry, lowered floor, manual ramp ( used ) Estimated Market Value ( XX/XX/XXXX ) : - Base Vehicle Value ( Unmodified ) : {$12000.00} {$14000.00} - Used Accessibility Conversion Value : {$8000.00} {$12000.00} - Total Estimated Market Value : {$20000.00} {$26000.00} - Average Market Value : {$23000.00} Depreciation Since Purchase : XXXX  % Conclusion : The purchase price of {$46000.00} is approximately XXXX  % above the average market value of {$23000.00}. This significant overcharge may support a claim under XXXX XXXX XXXX XXXX if the dealer failed to disclose the markup or misrepresented the vehicles value. 

Due to the 'value ' I am unable to refinance with any bank, the vehicle is also being listed as a commercial vehicle despite advising bank that this is a personal vehicle van.

Company response to consumer: Closed with explanation