Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, salesperson XXXX responded to inquiry I made on XXXX website. The advertisement marketed aXX/XX/XXXXXXXX XX/XX/XXXX plus for {$16000.00}. Once conversing back and forth with XXXX, he even went on to say the sales price dropped to {$15000.00} to get me to come out to see the vehicle, This took place XXXX. I received a personal injury check XXXX. I immediately called XXXX and told him I would be coming out and I wanted to work out a cash purchase and its important for me to be careful and not be anxious because I have been taking advantage of. Well this opened the door for XXXX to take advantage. I went to the dealership and allowed my card to be debited {$9900.00}. I had maxed out my spending limit for the day. This dealership falsely claimed that I also paid {$16.00} to cover the legitimate terms the contract stated. I have paid my money order after the debit card transaction was processed and I am now certain that they used a card skimmer to continue transactions after midnight to and I was locked out of myXX/XX/XXXX account and my device was XXXX. During this time not sleeping just wondering why I didnt leave with a contract and why was I forced to make instant decisions. During test drive, I didnt drive XXXX did.This was only to use some device XXXX enabled to somehow delete the evidence about XXXX. In worked for a short while but I sent the evidence to others in case something happens. I have paid {$9900.00} cash and {$560.00} each month and a certain amount of the payments are going to principal only if I included inc. I didnt know to do this until they repossessed my car a day early and wouldnt allow me to come back to get it until a certain amount of time had passed. My mother had to take out a loan to get my car back. It was extremely brutal not to mention I was not in communication with them for almost a month immediately after I noticed that they increased the sales price on the internet immediately after they received my {$9900.00} and I drove it home. I had to pay {$2300.00} to get my car back and this was so undeserved. I have no accurate legitimate title record, the vin number to my car translates to a bid site and indicate hail damage. The antenna has been tampered wirh and the images on all reputable sites shows a different car mainly a flat hood. XXXX etc. The estimate I received from the XXXX dealership for value is {$5000.00}. The dealer lied to the police when I tried returning the vehicle on XXXX for a peace officer drop the vehicle off. I couldnt get any information from the dmv. The tag was actually completed on 4-XXXX not XXXX like they told the officer. This dealership has not presented any information on disclosing the truth in lending laws nor have I been provided any full disclosure on the truth about previous claims regarding the vehicle. odometer tampering is illegal. They have not provided any executed official title records. Its all fabricated and signed copies of documents that I didnt physically sign. I called today about payment issues as the new bank XXXX XXXX XXXX XXXX said they dont have any information about the my account or vehicle. I have spoken to them twice. I have not received a phone call back after giving XX/XX/XXXX my information when XXXX From XXXX XXXX XXXX XXXX said I should call. I have ask for my payments to be lawfully allocated but this request has been ignored. I have been deceived and defrauded, I would like to return the vehicle and get my money back, This is a problem for my community as in black and brown people are unprotected. I am certain this is why they can boldly operate in corruption with no accountability whatsoever. its totally unfair. TheXX/XX/XXXXwebsite had removed about 30 of the complaints just like this situation. Its really sad the racial injustice is still being practiced by all the regulators who should be protecting the consumer.

Company response to consumer: Closed with explanation