Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding my experience with Tesla and what I believe to be a series of serious issues involving vehicle delivery, financing, contract documentation, and unauthorized credit inquiries. On XX/XX/year>, I placed an order for a brand-new XXXX XXXX XXXX XXXX. I paid a {$250.00} order fee and subsequently made a down payment of {$6200.00}. I also signed my financing agreement on XX/XX/year>. My vehicle delivery was scheduled for XX/XX/year>. When I arrived for delivery and conducted a walkthrough of the vehicle, I immediately observed significant cosmetic defects, including curb rash, dents, and scratches on what was represented as a new vehicle. I brought these issues to the attention of the General Manager, XXXX, at the Tesla delivery center. At that time, I was presented with two options : 1. Accept the damaged vehicle and have Tesla send it to the collision center for repairs while I was provided a temporary rental vehicle ; or 2. Refuse delivery and wait for a replacement vehicle. Because I had already signed financing documents and made a substantial down payment, I chose to wait for a replacement vehicle rather than accept a damaged vehicle. I was assured that my place in line would be preserved and that there would be no adverse impact to my order. Following my refusal of the damaged vehicle, Tesla repeatedly delayed the replacement vehicle. I was initially advised that a replacement would arrive by the end of XXXX. The delivery date was later pushed back, causing additional inconvenience, uncertainty, and expenses. More concerning, after I received notification that the replacement vehicle was ready to schedule for delivery, Teslas system began requesting that I complete another credit application and submit a down payment again despite the fact that : * My financing agreement had already been signed; * My down payment of {$6200.00} had already been paid; * My order fee had already been paid ; and * I was specifically told by Tesla management that these steps would not be required again. On XX/XX/year>, I received credit monitoring alerts indicating that Tesla had accessed my credit report multiple times. I did not authorize additional credit inquiries, nor was I informed that additional credit pulls would be performed. These inquiries have caused significant concern regarding potential damage to my credit profile and raise questions about whether Tesla had a permissible purpose to obtain my consumer credit information. Additionally, I requested copies of the agreements and documents I signed during this transaction. I was informed that Tesla could not provide copies because the original transaction had been cancelled. I find this explanation troubling, as consumers should have access to records of agreements they signed, especially when a transaction remains unresolved and substantial funds have already been paid. As a result of Teslas actions, I have experienced : * Delays in receiving the vehicle I contracted to purchase; * Significant inconvenience and lost time; * Ongoing uncertainty regarding my financing and order status ; * Concerns regarding unauthorized credit inquiries; * Frustration due to conflicting information from Tesla representatives ; and * Difficulty obtaining copies of documents related to my transaction.

Company response to consumer: Untimely response