alexisgreene
New Member
ok I bought a brand new car from a car dealership 2013 rav4 I put 15,000$ down and mt interest rate was a 4.0 % and payments of 256.00 a month well he found a company to finance me I signed the papers a couple days later they called me back in and wanted me to sign a new contract with another company so I told them im just going to put 12,000 down and so he gave me back the 3,000 well in the mean time with the new company my interest rate jumped up 6.0% and my payments jumped up to 300 a month well I signed the contract well a couple days later they call me back in to make a new contract again he said capital1 is going to finance the car now... also he said was going to be a better deal with the warranty that came with the car I wouldn't have to buy 1 but then offered me a warranty for 2,220$ and I told him no I didn't need it well he went along with it my interest rate this time was and 10.94 he said it was going to drop down to 3% in under a year and I could trade the car in in a year and get a brand new 1 with a 0% rate well my payments jumped up to 372$ a month for 72 months and I only was suppose to finance for 2 yrs ... i sign the papers 2 days later i get a letter from wellsfargo saying that my loan has been denied for the rav4 i was confused but then i have another letter that came in from wellsfargo the next day or two stating that i have a loan with them for my Toyota rav4 and i owe 20,000 when the car originally was 30,000 subtract the 12,000 for the dp. and on the statement it had the warranty for 2,220 that i denied and never signed for at all also i never signed a wellsfargo contract nore was it ever mentioned at all he told me i had an account with capital1 and that's what my contract says so how can my account be with wellsfargo? i even called capital1 to see if i have had an account or if they have ever opened one at all and they said no that there has never been an account open there under my ssn, name, birthday or vin of the car .... my point is i never signed a contract for wellsfargo to have the loan at there bank and that they lied and said the car was financed with capital1 and also added a warranty when i have already denied it and he did it any way behind my back... i just want to get my money back because they have lied and took advantage of me and they keep adding more and more charges that i have already told them i didn't want that was not in the contract and also i didn't want to say anything until i found out what i could do about the financing but i did call the dealer back and ask him why i had that warranty and he says i don't but its on my car loan through so how is that possible ? is all this legal? is there any way that i can get my money back?? i mean they even sent me a paper saying that there was a 3rd party consultant that told them that i had a house mortgaged also was in debt just down grading me .and 1 more thing the dealer never mentioned wells fargo so the payments were set up to go to the dealer then to capital1 they also lied and said that they talked to my insurance and they transferred the tags and the full coverage insurance to my new car an said they faxed a paper over i end up going to state farm about a week and a half later and he never transferred the tags or insurance so i was riding around with no insurance an bad tags . this is crazy i just want my money and to go some where else to get another vehicle... can some one please help me and tell me what i can do? i have never seen anything like this i am a 69 year old woman my husband just passed an i have no one to turn to right now i would really appreciate it if anyone could tell me anything thanks again...
and i had my grand daughter type this for me she copied everything that i had written we need help please and thank you.
and i had my grand daughter type this for me she copied everything that i had written we need help please and thank you.
