Consumer complaint received 2025-12-05 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: CIG FINANCIAL LLC
State: NV

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year>, my wife and I purchased a XXXX XXXX from Autonation XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. 

Before signing, we clearly agreed with the dealershipvia verbal discussions and phone/text messagesthat the deal terms would be : XXXX XXXX : {$28000.00} XXXX XXXX : {$5000.00} ( paid on the spot ) APR : 4.99 % {$1000.00} financing incentive included However, when signing the contract on a tablet, the dealership only pointed to areas for us to sign and did not disclose or explain any of the fees or products included. We were not shown the contract pages, nor given a paper or electronic copy at the time of signing. 

On XX/XX/XXXX, when we reviewed the contract copy, we discovered the following serious issues : XXXX. Unauthorized Add-Ons Without Consent The dealer added products we never discussed, selected, or agreed to : Vehicle Care Protection Plus : {$1500.00} Vehicle Care Protection : {$3700.00} These items were never mentioned to us, and we never gave permission to add them. This constitutes deceptive or unauthorized product packing. 

2. XXXX  Price Inflated Without Our Knowledge Although we agreed to an XXXX  of {$28000.00}, the contract shows : XXXX  increased to {$37000.00} This is nearly {$9000.00} more than the agreed price, without any explanation or consent. 

3. Loan Amount Manipulated The dealership raised the financed amount to : Amount Financed : {$31000.00} Finance Charge ( 48 months ) : {$3300.00} Total Payment Obligation : {$40000.00} This is drastically higher than what we were told prior to signing.

4. Deceptive Tablet Signing Process The dealership used a digital signing process that : Hid the document contents during signing Did not allow us to review any pages Gave instructions only to sign here Prevented us from seeing the unauthorized add-ons or price increases This is misleading, non-transparent, and violates fair disclosure requirements.

5. Dealer Refuses to Respond or Resolve the Issue After discovering the unauthorized charges, I contacted the sales representative multiple times to resolve the issue. 

The salesperson is now completely ignoring my messages and refusing to respond. 

This makes it impossible to resolve the problem directly with the dealership. 

6. Requested Resolution Given the unauthorized products, hidden fees, inflated XXXX price, and the dealers refusal to communicate, I request CFPB assistance to : Cancel the contract entirely and allow me to return the vehicle We have : Proof of agreed pricing through phone/text messages Proof of {$5000.00} down payment A contract copy showing unauthorized add-ons Evidence that the salesperson refuses to respond Autonation XXXX XXXX XXXX XXXX has engaged in deceptive and unfair practices that caused significant financial harm to us. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX, NV

Company response to consumer: Closed with explanation