Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
1 ) Summary SAFCO failed to properly handle my loan-level dispute, relied on altered/deceptive dealership documents, ignored submitted evidence, continued billing during my dispute request, and issued a conclusory determination without investigating. The dealerships conduct indicates fraud ( backdating, unauthorized add-ons, multiple contract versions ). Because SAFCO funded or accepted these materials and refused to open a proper dispute, I request a full loan unwind, restitution for my {$14000.00} down payment and unauthorized charges, deletion of the tradeline, and other remedies described below.

2 ) Key Facts & Timeline ( concise ) XX/XX/year> : I formally requested a loan-level dispute with SAFCO. 
XX/XX/year> : I provided supporting documents. 
Multiple follow-ups XXXX XXXX XXXX ; SAFCO phone rep admitted SAFCOs contract does not match my contract. 
SAFCO continued billing and sent a bill due XX/XX/year>. 
SAFCO issued a written response that did not address any specific evidence or contact the dealership. 



3 ) Concrete Evidence ( attach as Exhibits 110 ) Exhibit 1 Advertised Vehicle Price : Internet listing showing Internet Price {$30000.00} and {$220.00} dealer fee.

Exhibit 2 Dealer Contract Screenshot : Cash Price {$38000.00} ; Sales Tax {$2200.00} ( ~ $ XXXX above advertised price ). 
Exhibit 3 Down Payment Proof : Down payment {$14000.00} shown in contract itemization.

Exhibit 4 Lender Contract : Amount Financed recorded as {$30000.00} ( does not match contract math ).

Exhibit 5 Add-On Documents : XXXX add-on products added without my consent ( XXXX XXXX XXXX XXXX, Key Replacement, Maintenance Plan, Dent Protection, additional {$3000.00} product ). 
Exhibit 6 Finance Manager Email : Please cancel all XXXX attached coverages. ( admits add-ons existed and were cancelled after the fact ). 
Exhibit 7 Backdated Cancellation Forms : Date of Request : XX/XX/year> / Customer Signature Date : XX/XX/year>. 
Exhibit 8 SAFCO Statement : SAFCO statement indicating no products/warranties listed on my account.

Exhibit 9 Email Threads : Multiple emails showing evasive and inconsistent dealer responses and failure to reconcile numbers.

4 ) Specific Violations & Legal Issues FCRA Furnisher dispute handling failures : failure to open dispute same day ; no dispute ID issued ; no investigator named ; improper investigation before dispute activation ; continued billing/reporting.

Deceptive practices/ Consumer protection violations : lender relying on potentially falsified documents ; failure to reconcile dealer vs. lender contracts.

Possible fraud / forgery by dealer : backdated documents, unauthorized add-ons, multiple contract versions. 
Harm : misapplied {$14000.00} down payment, inflated loan balance, risk of credit harm, continued billing and collection risk, emotional and financial harm.

Company response to consumer: Closed with explanation