Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I saw a add for America 's Car-Mart XXXX XXXX Texas, for the XXXX XXXX XXXX guaranteed {$590.00} down payment for anyone who brought in 6 individual {$10.00} or more unwrapped toys. my spouse and I went and met with a sales person around 1 on XX/XX/XXXX and they pointed out the vehicles on the lot that were the XXXX XXXX XXXX  approved vehicles. 
So we test drove one and brought the toys back and they accepted them and then they said '' I can get your down payment down to {$500.00} today if you agree to make deferred payments on your first XXXX notes? '' I asked her if that would make the monthly note any better and she said " Not a whole lot but if you came in and like say you got a tax check you could come in when you get that check and pay certain amount down as a seasonal tax payment and that would lower your monthly payments. '' We nodded and said " oh, ok but yes we agree to pay a deferred payment on the first 3 notes, how much extra is it? '' The monthly car note was {$620.00}, they said the deferred amount is {$100.00} extra every month for the first 3 months to go towards the down payment, remind you we came in for the {$590.00} toy drive and had the {$590.00} or XXXX needed to just go with that, I paid {$720.00} a month in XXXX, XXXX, and in XX/XX/XXXX on the XXXX I paid {$620.00} because online when I logged in it said {$620.00} instead of {$720.00} like it did the two months prior, then it asks online do you want to put this towards your yearly payment or monthly? I clicked and paid monthly, and I was curious why it said I owed {$1700.00} still??? I called and they told me that they had explained to me it was absolutely required that a seasonal tax payment be made and that they chose to take my payment for that month and put it towards their yearly payment, then they unlawfully and non peacefully re possessed the car not even two weeks after receiving my payment and me communicating with them letting them know that I did not know and I am ok with paying the {$720.00} a month but it was down right scam artist of them to do what they did. 
They are still trying to charge me for that ride, and the repo man injured me and my family because we were inside of the vehicle when he slammed from behind in a public area and busted the tail lights out and even put a flat in our back tire, the man laughed with kids screaming in the vehicle as it was lifted into the air, with multiple witnesses including the police, the man insisted he had documents to take the vehicle and he had talked to the GM at the Car-Mart in Back XXXX texas and XXXX personally asked him to do what he did because I could n't drive a vehicle that started running hot the second I'm getting XXXX ended and jacked up by a tow truck driver and that's all with me being lied to tricked and wrong fully deprived of property that I fully paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation