Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
Hello my name is XXXX XXXX I purchased a XXXX XXXXXXXX XXXX XXXX from XXXX XXXXXXXX in XXXX Az. I don't know where to begin with my complaints because there are so many of them since the start. The first 3 weeks of having the car my car was towed by XXXX police department due to the dealership not registering my car. I was able to get the car out with my insurance card and with the application for the title through XXXX Which cost me close to XXXX now from beginning payment one my payments were XXXX every XXXX weeks.somehow they were charging close to XXXX every XXXX weeks. Never was given an actual bill.the agreement was XXXX and it would be considered late after the XXXX Day and that would apply a 5 % late fee or XXXX dollars which ever is less. The fee would only be a XXXX time fee per transaction. Reminder I purchased this car on XX/XX/XXXX not even giving a discount for XXXXXXXX XXXX deals although on there advertisement it said it would. The day of purchased I was approved for XXXX different vehicles and was only shown one. I told the XXXX XXXX I wanted to see the other ones he said there were no keys for them vehicles.remind you this is my first. Time purchasing a vehicle through dealer ship. I have no education in this at all. When he showed me the XXXX  it was ok but it was not ready to be sold. It was covered in filth and had dents in them. He told me that I could later turn the car back in and discuss a different vehicle with my finance company.The papers we signed we never got our copies let alone not even to read what was signed. Through out the 6 months of having the vehicle told my finance company of other vehicles I guess that was not true I was told I couldn't get another car. I made payments late but they got payed with late fees. Somewhere in XXXX of XXXX I should have XXXX caught up but was not advised that XXXX was taken from my car payment to pay for my plates. when I asked for a receipt and wanted the original one from XXXX they never gave one to me. I checked online under my account and the amount was only XXXX and change. I contacted them and told them again I would like a receipt that was provided to you from mvd for my records they never gave to me or even credit my account with the accurate amount that was paid. I told them over and over that I was not comfortable sending them money and not knowing how my money is being applied to my account. I also told them that usually when making payments a company gives there customers a receipt leaving a balance. Numerous time after making a payment they would call saying we owed XXXX I would be like how I've been paying and my payments are XXXX I always included the XXXX dollars for the late fee.on XX/XX/XXXX one of the ladies I emailed said I was only 2 payments behind .I still didn't know why because I figured they reimburse me when my vehicle was towed since when I had spoken to someone at XXXX XXXXXXXX and they said they could help with situations like that. And again I wouldn't know because I don't have copies of my contract.he also advise me to ask the finance company to defer the XXXX payments that was owed so it would help me being current. On XX/XX/XXXX I was emailed stating I was 30 days late on my payment I don't know how because I made a payment for XXXX on XX/XX/XXXX. XXXX payments one for XXXX and another for XXXX in XXXX XXXX don't know how they get that I was 30 days late on a payment. The only thing I do have was my XXXX receipt that's how I would pay them. The last time I spoke to them they were coming up with more numbers and I don't even know how I ow so much if I was paying them they never helped me at all. They said they didn't defer payments or lower them.whrn I told them about having problems with the vehicle they couldn't help with that either.im sure there had to be some kind of warranty I only had it not even a year and it was giving me problems.i gave them over XXXX dollars when you calculate the total of payments to what has be applied it comes out even. I told them they could have there car back since it seems they didn't want me to have it. They refuse to get give me anything that I was entitled.eversingle payment they was trying to get XXXX out of my account.that was not what I agreed to paying.i feel that they scammed me outta money when I asked XXXX for invoice they deny it to me .I need them for records for when situations like this happens I can show my proof.the only thing i have proof of payments and all emails that were written between them and i

Company response to consumer: Closed with explanation