Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, putting {$2500.00} down. My car note included the comp and collision insurance, bringing my monthly payments to {$570.00}. There were a few lights on the dash at the time of purchase, but they told me to get it back in the morning and they would fix it. The following day, the car wouldn't crank, and the dash had the battery light on. The car ran hot and shut off. After about 30 mins, the car crunk up, and I took it to the shoThethe transmission symbol was on the dash, and this " Service engine throttle/thermostat '' message was on there. They said changing the battery would fix this issue. They replaced the battery and wiped the dash.The car did fine over the next couple of days, then ran hot again, and the batter light was back on. Now the oil light was on. OK, XXXX made an oil change and cleared the dash again. A hurricane happened on XX/XX/XXXX, and I had to evacuate to Alabama because my mom 's apt was leaking. The car ran hot twice, turning a 10-hour trip into a 21-hour journey to get to Alabama with XXXX of my children with me. From XXXX XXXX to XX/XX/XXXX, The car continuously overheated and made over seven trips to the auto shop to get diagnosed and fix issues with the consistent overheating of the vehicle. The vehicle had five synthetic oil changes during this time as well. 
I replaced a starter, coolant hose, coolant resevior, radiator and fan, massive air flow system, three molded air filters, and purchased 8-10 bottles of full strength coolant which i can break down into two bottles bc iXX/XX/XXXX strength. Finally, on XX/XX/XXXX, after continuously complaining to the warranty company, they sent me to XXXX XXXX and told me that my head gasket had been blown for a while. They told me they could give an exact date but could estimate how long the gasket has been blown due to how thick the smoke is coming from the exhaust pipe and how many things you have to replace quickly. I called and spoke with the warranty department to see if they would cover it, and XXXX, who is a warranty supervisor, told them that they are sending out a third party to see if they find the same issue. He also stated that they may not cover the blown gasket because that's a sign of overheating due toue to poor car maintenance. I was so confused because there was no way he was saying it was poor maintenance on my part when the car had spent more time in a shop and someone under the hood than I've been able to drive it. XXXX tried to give my account to a dealership due good car note paying but, according to them and my contract this isnt offered until a year of consistent on time payments and i only got the car in XX/XX/XXXX. It was a tactic to shut me up. The XXXX dealership said I hadn't made enough payments to qualify for the program. They thought if they could get me out of the vehicle I would let this issue go and they wouldn't be held responsible. I'm on social security and I am struggling. Being stranded in Alabama for 5 months because it couldn't stop overheating. After countless attempts to the auto shop and replace multiple things under the hood with the money, I did not have. I haven't heard anything back about if they have approved or denied my claim. No one is communicating with me unless I call them and even then the information is vague. Me and my children went from hotels, to sleeping in the car, to being in a shelter because I couldn't safely get the car back to Florida. ME and children almost got hit several times in this car due to wucik overheating and shutting down in the middle of highway traffic.

Company response to consumer: Closed with explanation