Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending
State: AZ

Complaint narrative:
The company in question : XXXX XXXX landing- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX Email address : XXXX Phone contact information : ( XXXX ) XXXX XXXX ( XXXX ) XXXX text msg Approximately XXXX weeks ago I received an ad from credit karma to refinance my used vehicle. I have refinanced my vehicle XXXX other time through a similar situation offered to me by credit karma. So I chose to take this offer and proceeded in the refinance application process. The previous time that I did this it took XXXX hours to conclude the entire thing. Documents were signed under notary on a video call. And everything was concluded quickly and easily. This circumstance has not been the same. They kept asking me for more and more documentation. Many of the documents that I sent were returned as not usable and that I needed some other form of proof of residency of pay and that sort of information. I played along for XXXX weeks. And then realized that I was just not happy with the way that this was being handled. They also requested {$190.00} discrepancy payment be made because there was some discrepancy between the full amount owed on my current loan and what they could qualify me for. I'll be honest. I thought in the back of my mind that that was BS when I first heard it, but it was XXXX of those thoughts that you slipped by my radar, my conscious radar. I should have listened to that thought. Because my credit is good enough that {$190.00} would have never made a difference in a {$14000.00} car deal. I used a credit card to pay that {$190.00}. It was after that that they told me that now my proof of residency was no longer valid. And I needed more proof. So I dug up more documents and gave them complete descriptions that they asked for as to More proof of my residency. Everything I sent them more than proved this information. I have all of these transactions saved in text form on my phone. Late in the evening I received a text from the XXXX that was handling this procedure stating that now she understood the full circumstances of my situation. That they most likely would not be able to offer me the original deal that they had. But there were XXXX other offers on the table and that they would just simply transfer the information to those offers. This was after I had already clearly told them that if we didn't conclude this with my other loan paid and the new loan starting today that I was going to decline to do business with any longer. I signed a notarized power of attorney for transfer of motor vehicle in front of a notary. I wasn't too concerned of that at the time because that's pretty standard in a refinance. I have that document. And the wording of it is very vague and it basically says that anybody that they deem fit to have power of attorney over the lien on my vehicle. They can give that power too. I believe that this is an outright scam. And I'm doing everything in my power to put the brakes on it. This was a seemingly legitimate offer through credit karma on my credit account with them. That is the only reason why I trusted to move forward because I've done it once successfully already. I requested XXXX as to how I can rescind my application for refinance with their company XXXX XXXX as well as reverse this process and to refund my money. However, I'm concerned about this power of attorney that I signed. And this is why I'm taking this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation