Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Tesla, Inc.
State: NY

Complaint narrative:
I purchased a XXXX model XXXX XXXX through the XXXX app. The vehicle price after incentives was roughly {$XXXX}. I have been dreaming of this car for years its something Ive always wanted and dreamed off. I currently work at the XXXX XXXX minutes away from home and need a vehicle to get back and forth to work. I applied for financing through my bank XXXX XXXX  they approved me for {$XXXX} so I was still short XXXX for my dream car. I contacted my XXXX advisor and let them know I was approved for {$XXXX} financing but short for the remaining. They told me that was okay to apply for the remaining amount through XXXX, in which I did & they approved me for {$XXXX}. XXXX weeks had gone by and I was ready to pick up my vehicle. I went to the XXXX dealership in XXXX, ny with my {$XXXX} financing check for the remaining amount since they approved me for the {$XXXX} and I signed all the paperwork. I arrived the sales rep took my check scanned it it uploaded in the phone and he took me I was all set. They released a {$XXXX} car to me!!!! A XXXX XXXX a few weeks after I purchased my vehicle stating they lost my check!!!! How do you lose a {$XXXX} check. They wanted me to contact my bank and receive a new one in the mail. A XXXX XXXX then reached out to me on XX/XX/XXXX stating to me I had to financing companies and that wasnt allowed that I needed to either pay {$XXXX} in cash and take the XXXX loan or pay the {$XXXX} cash and pay the XXXX XXXX  loan. Its the holidays and I have medical bills I dont have that kind of money lying around most people dont I reached out back to the XXXX that same day and never received anything back yet!!! Ive had the car in my possession for almost 45 days now. They knew before weeks prior to me picking up my vehicle I had XXXX finance companies. I wasnt aware that was a rule but they shouldve know that!!!!! Theyre a car dealership they should know the rules and never allowed it. They released a {$XXXX} car to me knowing I had XXXX fincance companies? This is their mistake not mine. I have the vehicle title with my name on it and XXXX financing on it for the XXXX. A {$XXXX} car is sitting in my driveway with my name on the title and they want me to reapply for financing???. I already had XXXX hard inquiries on my credit due to applying I might not even get approved again how can they repose me vehicle if I never defaulted on my loan????. This is their XXXX up not mine .. they knew about the multiple financing companies and allowed it!!! They released the vehicle too me and accepted my check knowing and allowed it! Ive had paid XXXX months of car insurance on the vehicle and a car payment. XXXX needs to have accountability and allow the multiple financing companies or take a loss on the vehicle. Ive been working XXXX  days a week XXXX hoursssss a day at my job while trying to deal with this. Ive been beyond stressed out, mentally and physically exhausted and drained trying to figure out answers and waiting for a response from XXXX. So one day Im supposed to just wake up and my vehicle be gone because of their mistake?. If the roles were reversed they would come at me so hard.

Company response to consumer: Closed with explanation