Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DallasAutos4Less
State: TX

Complaint narrative:
Formal Complaint Odometer Fraud, Deceptive Practices, and Vehicle Defects Date : XX/XX/XXXX To : Consumer Financial Protection Bureau I am filing this formal complaint to report serious violations and deceptive practices committed by an auto dealership involving a used vehicle I purchased in XX/XX/XXXX. I am requesting a full investigation under both Texas law and federal consumer protection statutes. 

1. Vehicle & Purchase Details - Vehicle Purchase Date : XX/XX/XXXX - Vehicle XXXX XXXX XXXX XXXX XXXX XXXX  Dealer : DallasAutos4less XXXX XXXX XXXX XXXX XXXX Texas XXXX - Purchase Price : {$16000.00} - Financing APR Quoted : 19.7761 % - Actual Financing Terms : $ XXXX x 48 months = {$24000.00} XXXX. Vehicle Defects, Repair Failures, and Kill Switch Misuse Shortly after purchase, the vehicle began overheating. I took the vehicle to the dealer for diagnosis and was told it needed an engine oil cooler and other parts. I personally purchased those parts, but the overheating issue remained unresolved after dealer repairs. The vehicle was towed twice at my expense ( {$150.00} each time ), and I missed approximately two weeks of work due to the car being non-drivable. 

Despite requesting relief, I was only granted a 7-day extension. On XX/XX/XXXX, the dealer activated a kill switch device on the already XXXX the vehicle, leaving me without transportation while still expected to make full payments. This action was taken in bad faith and without reasonable opportunity for resolution. 

XXXX. Odometer Fraud Discovery It was recently discovered that the vehicles mileage was misrepresented at the time of sale : - Retail Installment Contract : XXXX miles - Buyer 's Order : XXXX miles - Odometer Disclosure Statement : XXXX miles - Other Internal Document : XXXX miles This suggests an odometer rollback of over XXXX miles. This is a violation of federal law under 49 U.S.C. 32705 ( Truth in Mileage Act ), as well as the Texas Deceptive Trade Practices Act ( DTPA ).

Upon further review of my paperwork and transaction history, I have confirmed that the vehicle was originally sold to me by Dallas Autos 4 Less, while Dallas Auto Finance LLC, located next door, is the entity receiving my loan payments and listed on the financing documents. This structure appears to be a related-party or affiliated business arrangement, possibly designed to split the sales and financing operations while avoiding full responsibility under a single entity. 

Additional documentation references XXXX XXXX XXXX XXXX as a potential wholesale or underwriting lender, and XXXXXXXX XXXX as a possible financial institution connected to the loan or title. Given the known affiliations between these types of businesses in the used car industry, I request that all four entities be included in the investigation for their role in : - Odometer misrepresentation - Deceptive and inflated financing terms- Failure to resolve vehicle defects- Improper kill switch activation - And potential misuse of power of attorney or title assignment forms The business address for Dallas Auto Finance LLC is currently XXXX XXXX XXXX XXXX, XXXX, TX, and it operates in tandem with Dallas Autos 4 Less, which initially sold the vehicle. 



Vehicle Service Timeline Vehicle : XXXX XXXXXXXX XXXX Date of Purchase : XX/XX/XXXX Dealer : Dallas Autos 4 Less / Dallas Auto Finance XX/XX/XXXX : - Purchased a new battery. 

XX/XX/XXXX : - Oil change completed. Dealer identified a sensor issue but declined to service due to electrical nature. 

XX/XX/XXXX : - Vehicle wouldnt start. Jump-started. XXXX tested battery as functional with low charge. 

XX/XX/XXXX : - Car died again. XXXX confirmed battery okay ; advised mechanical or electrical problem. 

XX/XX/XXXX : - Vehicle overheated en route from work. 

XX/XX/XXXX : - Vehicle towed to dealership at XXXX XXXX XXXX XXXX for overheating diagnostics. Cost : {$150.00}. 
( XXXX XXXX, Texas XXXX ) ( XXXX ) XXXX XX/XX/XXXX : - Diagnosed as needing an engine oil cooler. Repair estimate : {$780.00}. Buyer opted to purchase parts independently. 

XXXX XXXX XXXX XXXX  - Ordered and received repair parts. XXXX XX/XX/XXXX : - Requested payment extension due to ongoing repair expenses and hardship. Only 7 days granted. ( Dallas Auto Finance ) XX/XX/XXXX : - Vehicle towed again for part installation. Cost : {$150.00}. 
( XXXX XXXX, Texas XXXX ) ( XXXX ) XXXX XX/XX/XXXX : - XXXX picked up after repairs. Overheated within XXXX mile. Dealer refused further support. 

XX/XX/XXXX : - Payment due. Vehicle still nonfunctional. 

XX/XX/XXXX : - Dealer activated kill switch. I was stranded, pushed the car home, and incurred additional personal cost and distress XX/XX/XXXX Asked DallasAutos4less if I can get into another car due to all the machanical issues and DallasAutos4less replied not unless you pay another downpayment 4. Requested Actions Based on the above, I respectfully request : - Immediate investigation into the dealers sale and mileage documentation - Cancellation of the retail installment contract due to odometer fraud - Refund of all amounts paid, including down payment, towing, and repairs - Damages for missed work and loss of use - Civil and/or criminal penalties against the dealer for violations of state and federal law Enclosed are supporting documents including copies of the installment contract, odometer statement, buyer 's order, repair records, and mileage discrepancies. 

Thank you for your attention to this matter. I am available to provide any further information as needed.

Company response to consumer: Untimely response