Consumer complaint received 2024-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: APG Financial Inc
State: UT

Complaint narrative:
I left this XXXX review for them 2 years ago : Buyers Beware! Want to hear my story of how they're trying to get away with selling me a XXXX, and doing the bare minimum to simply hide the problem? XX/XX/year> The day I was buying the car me and also the salesman XXXX XXXX noticed a knock somewhere In the front steering system... so while I was doing the paperwork ( a whole different issue in itself ) they Allegedly worked on the car for 2 - 3 hours ... extra after having everything finished... so I drive off the lot thinking I have a great Newer car then the one I got taken to the cleaners when trading in ... ( did not receive any inspection paperwork or emissions paperwork when leaving with the new car... which now I know is a Big Red Flag! )... well about 6 days later I hear the knock... I thought hmmm maybe a rock came up and hit the under carriage, because they fixed it ... right? WRONG! I heard it again XXXX days after so I brought it in to have an inspection done on it XX/XX/year> ... needs Completely XXXX XXXX and Rear Struts because they are leaking. Also new sway bar with an alignment. So I contacted them after leaving some bad reviews ... the manager XXXX XXXX, he said he'd take care of the issue and to bring it in XX/XX/year> at Noon... so I do, left it there at XXXXXXXX XXXX I get call saying they have fixed the issue ... by tightening a Nut to the Control Arm ... Hmmm .... well I go in to get the car ... the Lady manager there says they fixed it .... again. By tightening the nut and she explained. So I asked are my struts fine then? Was Big O Tires wrong? She said no... they are leaking and wet, but that's not a safety issue. So keep an eye on it and let me know how everything goes... she did not give me paperwork I asked about it. She said there was no paperwork to give me .... hmmm well I do plan. On taking my car in XXXX to XXXX XXXX XXXX  to see if there is anything wrong with my newly purchased vehicle... so next time your really into a car... tell them you're going to test drive it to a shop you trust to have it inspected before you purchase it... save yourself the XXXX and. Time and money. Speaking of money the salesman told me they where gon na give me {$4500.00} of the {$6000.00} I owed on my trade in... so I'd end up eating the {$1500.00}... I was ok with that ... but when it came to signing paperwork .... SURPRISE! He was simply lying to me and twisting up the numbers... I ended up eating {$4500.00} and they gave me a measly {$1500.00} for a car I could of sold for XXXX in a matter of days ... Look I could keep going but I think you get the point .... Go Somewhere Else To Buy Your Vehicle! 

Sincerely- XXXX XXXX ( A customer they manipulated ) And refuse to make things right ... even after contacting the Manager. Luckily I have saved XXXX person I work with from going there and being manipulated Into a horrible deal with a horrible company. Hopefully I'm able to save others the misfortune I had with them by simply going to another dealer. 

P.S. If Your Leasing A Vehicle From Them Do NOT Trade In For A Different OneThey Will Give You Much Less Then The Actual Value Of The Vehicle And Their XXXX XXXX Text Or Email Trick Lies For Marketing Purposes. I Got Taken To The Cleaners. I would have been better off selling it myself and paying off the rest, then getting another vehicle {$1500.00} XXXX XXXX for a Car I could have sold myself for {$3000.00} minimum! XXXX XXXX their salesman is very good at twisting up words.. I Will Never Refer Anyone To Them And I Will Be Taking My Business And Money ( 100 % On Time Payments ) Somewhere Else The Next Time I Need A Vehicle. Do Not Do Business With Markosian Auto OR XXXX XXXX XXXX. Horrible Companies! 

That was 2 Years ago they have recently been sending threatening Messages to my cell phone the second I'm late on a payment which is in DIRECT violation of 18 U.S. Code 894 and after doing more research I have found multiple Violations Such As 15 U.S. Code 6801 NO clear and conspicuous Disclosure was Given to me on that. I have made Several Requests for the contract of my XXXX XXXX, has been met with Severe Resistance or Silence. Also {$1000.00} Was Put as down XXXX and other violations of 15 U.S. Code 1605 are Suspected in the contract they are withholding. Also note I have RESCINDED THEIR POWER OF ATTORNEY as I am the Living soul with a heartbeat that is Attorney in Fact For ALL matters Involving My Name, regardless Capitalization, Punctuation and such.

Company response to consumer: Closed with explanation