Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Crystal Motorsports, LLC
State: FL

Complaint narrative:
Hello, I recently started a claim with you, the CFPB back in XXXX  of XXXX, the claim ID is XXXX. You guys sent that complaint to the federal reserve of XXXX for them to investigate due to me believing that I was wronged by the bank. However, during that investigation the Federal reserve XXXX  XXXX XXXX found that I was a victim of fraud. However, it was not only the bank that committed the fraud against me. The XXXX dealership actually committed the fraud against me. Myself and the federal reserve noticed during their interview with me in XXXX of XXXX. The Vice President of XXXX XXXX XXXX  wrote a letter attempting to explain how they are so innocent and did nothing wrong, but within that letter she incriminated herself and the dealership. She stated that I, XXXX XXXX submitted an application to XXXX XXXX XXXX  stating my income was {$3600.00} per month and she claimed to have my initials and signature on the application too. She actually mailed myself, and the federal reserve bank copies of the actual application. However, on that application everyone whom looked will clearly see that I signed and initialed my income of much lower than {$3600.00}. In fact my income at the time was only {$1100.00} each month from XXXX. However, due to the 125 % markup we were allowed, my income that I signed to was {$1600.00} per month. Apparently, I was informed that the dealership submitted my application electronically and that is when thy committed the fraud. It is a very long story and I have it typed out in detail in a PDF that I will upload. However, it will be the exact writing that I submitted to you guys back in XXXX of XXXX with the following ID XXXX. I will upload this PDF so you can understand exactly what happened to me and not get confused when I start this complaint after that one ended, but please keep in mind that they do go together like one big story and if you read that PDF first and then this, everything will make more sense. I will also upload the letter from XXXX XXXX XXXX  that i spoke about from the Vice President, a copy of the Demand Letter that was sent to Crystal Motor XXXX in an attempt to make things right. Once you investigate this case you will see that I was wronged and I am entitled to a whole lot of retribution and I do need your assistance, please. You will see that the car dealership took advantage of my XXXX. I informed the dealership that my income came from XXXX and at the time I was on so much pain, and anxiety medicine that I should not have been attempting to negotiate any type of contract. I was literally nodding off while at the dealership. I did not have the income for a car loan and I was well aware of this which is why I wanted to trade in my XXXX XXXX XXXX that was paid for and I was told I would get {$7600.00} for the trade-in value. I wanted to purchase a XXXX for advertised {$10000.00}. However, due to them taking advantage of me, I was told that the bank would not approve me for so small of a loan for a car that had over XXXX miles on it, but I did get approved, but it was for a much higher priced vehicle. I literally signed like 3-4 papers and I had that car. However, you will see that between the car payment and insurance payment that was more than my XXXX check was. The car dealer gave me a XXXX XXXX that ended up being blank and told me all of my contract would be on that XXXX, but it was blanked. The dealer increased my income and submitted it fraudulently to the bank to get me approved and for them to earn their commission. However, what they did to me was an absolute horror. Please read the attached PDF which will explain everything in detail of the transaction and losses. Since the Federal Reserve 's investigation and findings of fraud against me some major things have happened. First, I randomly received a satisfaction of judgement from the XXXX XXXX XXXX stating the judgement that was put against me in XXXX of XXXX by XXXX XXXX XXXX was Settled in full, but I never paid them a XXXX. So, I contacted the lawyer that was on the forms and I found out that XXXX XXXX XXXX  had to pay an enforcement to the Federal Reserve. XXXX XXXX XXXX  ended up suing Crystal Motor XXXX for a large amount of money. Part of that lawsuit however, the bank forced Crystal Motor to satisfy the judgement that was against me along with paying several court imposed fines to the bank itself. When I contacted the federal reserve for details i was told that even though I am the victim, I am not entitled to any information regarding this case. However, he was allowed to tell me that my case was sent to the internal investigations unit of the federal reserve for possibly criminal prosecution. I have been without a vehicle since my car was illegally repossessed. I had a lawyer send a demand letter over to the dealership requesting that I get made whole by giving me a vehicle valued between $ XXXX {$30000.00}, give me the trade-in value that we agreed upon of {$7600.00}, a per diem for each day that I have been without a vehicle, and attorneys fees... I attached a rough copy of the demand letter that was sent. However, they were given 10 days to reply and they refused to even acknowledge that they received the demand letter. However, prior to sending the letter, the Loss Manager was communicating with myself and my lawyer through email. I did a quick XXXX search of crystal motor XXXX and I am sure you will notice too that they have been accused and found guilty of committing fraud on numerous occasions but somehow still have a dealers license. For some reason, and I do not know or understand why, but they love to go to trial and lose miserably. It is a shame too because I am a XXXX person who has been without transportation for several years now and it this needs to get resolved. Yes, I want to pursue criminal charges. Yes, I do believe that I am entitled to all of the money that i ever paid towards the vehicle, the money I lost, the car that I traded in and the car that was reposed back. 

I know that you will probably have many questions for me and will probably need me to send over all of the documents that I am about to upload to you on multiple occasions and I will have no problem doing this for you. Just pleas remember that I am XXXX which is why I have a hard time typing and it doesn't seem like I was too detailed within this brief but the PDFs I will upload will fully explain everything. If you need to contact myself feel free to email or call me at any time of the day. XXXX, or my email of XXXX. I look forward on hearing form you guys and us finally being able to put this to bed. Someone if not many people should be going to jail over this and I am shocked nobody has yet. I was informed to resubmit this claim with you guys again but for me not to say it was the bank who did me wrong and have you guys investigate the car dealership because the federal reserve only has oversight on the capital city bank and you, the cfpb actually has oversight and the power to enforce actions and get me my car and money back, plus some interest and whatever other penalties you can think of. 

The PDF File labeled XXXX XXXX XXXX, will be the letter from the bank in which she incriminates the dealership and the bank too. I also included a copy of my original application in which you can see I put my proper income and I signed and initialed it too. Compare my application with the letter from the bank and you will instantly see the fraud the dealership has done. 

I have the entire case file that I received from XXXX XXXX XXXX  during the federal reserve investigation. I attempted to upload it to you, but the file was XXXX. So, I just thought of compressing it so it will fit your security features so I will upload it. you will see a bunch of receipts, but the main thing to look at is my application and the VPs response for the fraud. Thank you for your help. Sorry if i made things confusion but I'm confused myself, still. 

Okay, I was about to submit this but I felt the need to comeback and update you. Crystal Motor XXXX I guess has been selling a lot of their dealerships. They do still own the crystal XXXX XXXX in XXXX, that is how I was able to get in touch with their house lawyer, XXXX to get the demand letter submitted. I couldn't find their exact name in the drop down, and I used the crystal motorsports LLC one, but they pretty much are all them This is just how shady they are that they feel the need to hide their businesses. simple XXXX search shows numerous counts of fraud that they committed. Now, they screwed me royal. Was forced to pay tens of thousands of dollars to satisfy the judgement that they got against me. When I spoke to their counselor, XXXX, she informed me that the owners and herself were well aware of me and that she will get the demand letter to them as soon as we send it. However, that was over a month ago and they haven't responded back. I guess some people just never learn their lesson and love to get drug through the mud. Please, have no mercy on them as they didn't and still do not have any pitty for the damage that they have caused me and my family!

Company response to consumer: Closed with monetary relief