Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Dodge Enterprises Inc.
State: MI

Complaint narrative:
Auto Loan Disputed Contract / Non-Delivery / Misrepresentation On XX/XX/XXXX, I applied to purchase a XXXX Jeep Compass Limited from a Michigan dealership. I was informed the same day that the vehicle had an open safety recall and was not deliverable. I was provided a loaner vehicle while waiting for the recall repair. 

On XX/XX/XXXX, I signed purchase and financing documents after being assured the vehicle would be ready within XXXX days. The amount financed was {$26000.00}. After signing, I learned the transaction included additional products, including an MBPI warranty costing over {$3000.00}, which I had explicitly asked to decline. I was told by the finance XXXX that the warranty could not be removed unless I provided an additional {$2000.00} down payment. I did not agree to these terms. 

From XX/XX/XXXX through early XX/XX/XXXX, I received repeated conflicting delivery dates and then no communication at all. I made multiple attempts by phone, text, email, and in person to contact dealership management but received no response. I never took possession of the vehicle and never drove it off the lot during this period. 

Despite non-delivery, the vehicle was registered in my name, the loan was activated, and VIN glass etching was applied without my knowledge or consent, constituting an unauthorized add-on. More than 30 days passed with no delivery and no meaningful communication. I returned the loaner vehicle and provided written notice requesting rescission due to failure of delivery, misrepresentation of financing terms, and inability to cancel unwanted add-on products. 

I was later told the dealership would issue a new retail installment contract which voided the first contract, pay off and remove the XXXX, and make the first payment while the vehicle was unavailable. This never occurred. I paid {$2000.00}, provided proof of payment, and that payment was mishandled. The lender later reported a missed payment, causing damage to my credit, despite assurances that payment would be handled by the dealership. 

The vehicle was in the dealerships possession for over a month for the safety recall. However, a XXXX entry dated XX/XX/XXXX, states recall-related computer programming was completed on that date even though the vehicle was in my possession, not at the dealership. I received no recall completion paperwork, and I am concerned the recall may not have been properly performed or if at all. 

Additional false service documentation appears on XXXX, including a self-service tire rotation entry dated XX/XX/XXXX, which I did not perform and which occurred while the vehicle was in the dealerships possession. I have only had this vehicle since XXXX XXXX only XXXX the day after I received it I had to take it to XXXX XXXX to get the tires balanced and rotated. The vehicles tires XXXX out of XXXX have low thread which makes me wonder if they removed the tires. The vehicle continues to experience shaking at highway speeds, poor acceleration around XXXX mph, and electrical/safety warning issues. The dealership acknowledged multiple issues but refused to address safety concerns unless payment issues were resolved the same payment I already paid and they lost even though I provided a statement. I also asked to have a consigner and was denied/ received no response causing me to sign alone I believe they tryed to take advantage because I am post bankruptcy. 

I have formally demanded that the transaction be unwound, the loan cancelled, all negative credit reporting corrected, and confirmation provided that I owe no balance or deficiency. I have received nothing. The vehicle is currently parked in front of my home and available for immediate pickup upon written confirmation that the contract has been cancelled.

Company response to consumer: Closed with explanation