Consumer complaint received 2020-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Americas Car-Mart, Inc.
State: KY

Complaint narrative:
I lost my job in XXXX XXXX I got on unemployment insurance and the car company I purchase the car from know this I have even told they face to face to my account representative and to her I need to change my job information on my account because I dont not work for that company any more that Im getting unemployment now so is that my payments can be lower because Im only getting from unemployment is {$530.00} every two weeks and my payments for car mart is still {$190.00} But before I start my Complaint on XX/XX/XXXX I sign all the paperwork they never mention a seasonal payment to me so I purchases the car thats when I was working I even ask them if something was wrong with the car because I knew something was wrong with the car I just want to say what the car dealership will say they say no the car in perfect condition so I test drive the car it  was a noise in the motor and my alignment was damaged because my tires was wobbly and very loose so they fix the motor a couple weeks later car mart call me to come pick the car up and the car wasnt fix the motor was still bad and then they fix again but I also told them about my tires because my axe was mess up before I test drive the car and they never fix my axe and its in my contact for them to fix my axe never got that fix I had to fix a lot on that car that including brakes axle alignments starters for the car and all the thing they suppose to do fix my that in my contact never got done I did it with my own money to fix the problem because they said some of thing I lost that is not in my contact and they told me in was my Responsibility to fix the problem on the car but I sit down an read my contact all and car XXXX was suppose to fix my Axel my starter because its part of the motors and he was a part of my contract that they supposed to fix anything wrong with the motor or the exit of the car which they never dead I had to come out of pocket to pay for the damage of the car and then Ill top of that I have a schedule of {$810.00} on XX/XX/XXXX post to be a seasonal payment never heard of the Seasonal payment they want to pay the {$810.00} XXXX altogether as a payment now all the other car lights XXXX XXXX XXXX XXXX XXXX XXXX Automall all of the car lots they do no credit checks They never heard of a seasonal payment only Car Mart has received payment and that is really illegal to have a seasonal payment basically got is taking text money for the people that work hard for that money you want us to pay season payment plus the regular payment that we are paying some people cant afford to make a season payment and I have one for next year of XX/XX/XXXX of {$610.00} So on Saturday XX/XX/XXXX I had a little car accident before I got a chance to contact car mart they already pick my car up because they want me to pay XXXX for the seasonal payment plus the {$190.00} payment as well I told my account representative you never give me time to tell you the car was wreck and they told the car anyway but I have all my information and my contact so you guys can see this for yourself because I never in my life heard any car lot having a seasonal payment which means they have it scheduled when taxes times are around each year

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