ComplaintsforNaryan Auto Group Inc

• Initial Complaint

  10/20/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  The sale occurred on 09/30/2021. My wife and I took our preapproval from this dealers bank which had an 8.99% apr and a finance amt of 26,600.00 with 2000.00 down. We ended up paying 4000.00 cash and a post dated check for 3000.00 down and they increased the apr to 18.99% and ended up still trying to finance $37,000.00 after a 7k down payment. They said all was good we received a pink slip and a license plate and we drove home. 2 weeks later they want us to come back in and sign different papers with a different bank. Finally yesterday they decided to repossess the vehicle at 13.15 on 10/19/2021. When I went to the dealership they told me my down payment was forfeited they were keeping it and the car and I never had any financing which I find odd since we had a welcome call with the bank. Unless of course they are in on the scam. Also while at the dealership I was accused of a felony. The finance manager and sales manager accused my wife and I of using “multiple social security number

  Business response

  11/24/2021

  11/03/2021 
  ******* ******* and ******* ******* purchased a 2017 *** **** Vin# ***************** on 09/30/2021 from us, to the best of our knowledge **. and ***.******* paperwork and credit check was verified correctly with us. Any loans we initiate here at Naryan Auto Group have to still go through a full through verification with all finance companies we forward customer loan to. When **. and *********** papers were forwarded to the finance company ******** *********, everything was verified and ******** stated "The deal is being returned non resubmittable due to the customer having used multiple social security numbers. As soon as we got notice of this we contacted *** and ********** and advise them we need to try to put the loan through a different bank or try with a different cosigner. **. and **** ******* came back into the dealership Oct, 15th 2021 after two missed appointments, customers were explained their options going through a different finance company which required more down payment or higher monthly payment. **** ******* stated she wanted her son ******* ******* to cosigner because she believed he had better credit to obtain better financing option. ******* submitted his credit application via our website and I was able to get ******* and her son ******* financing with a different finance company without any additional down payment. I explained to **** ******* that we need her son to come in to sign papers and I would need his paystubs. At that time ******* stated she will get her son's paystubs from him and she had to pick up her kids and come right back to the dealership. **** ******* or *** ******* never came back into 
  the dealership, customers left the dealership that day and emailed paystubs from ******* in a format that the finance companies don't except. After that we explained to both parties involved that the vehicle needed to be returned to the dealership until we initiate a new loan with the new finance company or the vehicle can be returned for a full refund. **. or *** ******* did not show up to the dealership, we even gave the customer an additional day to return their vehicle, on Oct 17, 2021 we completely lost communication with the customer. On Oct 19th 2021 we ordered a repo order due to customers providing fraudulent info and paystubs, at that point the total down payment is forfeited and is will not be refunded. Please see attached paperwork of text messages to ******* and ******* in reference to this matter also attached are papers from the finance company ******** Financial showing fraud with social security numbers and return reason. If you need any additional information in regards to this matter, Please call *** *** *****.

  Business response

  11/24/2021

  11/03/2021 
  ******* ******* and ******* ******* purchased a 2017 *** **** Vin# ***************** on 09/30/2021 from us, to the best of our knowledge **. and ***.******* paperwork and credit check was verified correctly with us. Any loans we initiate here at Naryan Auto Group have to still go through a full through verification with all finance companies we forward customer loan to. When **. and *********** papers were forwarded to the finance company ******** *********, everything was verified and ******** stated "The deal is being returned non resubmittable due to the customer having used multiple social security numbers. As soon as we got notice of this we contacted *** and ********** and advise them we need to try to put the loan through a different bank or try with a different cosigner. **. and **** ******* came back into the dealership Oct, 15th 2021 after two missed appointments, customers were explained their options going through a different finance company which required more down payment or higher monthly payment. **** ******* stated she wanted her son ******* ******* to cosigner because she believed he had better credit to obtain better financing option. ******* submitted his credit application via our website and I was able to get ******* and her son ******* financing with a different finance company without any additional down payment. I explained to **** ******* that we need her son to come in to sign papers and I would need his paystubs. At that time ******* stated she will get her son's paystubs from him and she had to pick up her kids and come right back to the dealership. **** ******* or *** ******* never came back into 
  the dealership, customers left the dealership that day and emailed paystubs from ******* in a format that the finance companies don't except. After that we explained to both parties involved that the vehicle needed to be returned to the dealership until we initiate a new loan with the new finance company or the vehicle can be returned for a full refund. **. or *** ******* did not show up to the dealership, we even gave the customer an additional day to return their vehicle, on Oct 17, 2021 we completely lost communication with the customer. On Oct 19th 2021 we ordered a repo order due to customers providing fraudulent info and paystubs, at that point the total down payment is forfeited and is will not be refunded. Please see attached paperwork of text messages to ******* and ******* in reference to this matter also attached are papers from the finance company ******** Financial showing fraud with social security numbers and return reason. If you need any additional information in regards to this matter, Please call *** *** *****.

  Customer response

  11/25/2021

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  The business never lost contact with either of us and there were never multiple ssn’s used the second ssn is our daughter who is a minor and is mistakingly linked to my wife’s name which is also incorrect on the form. *** is her 1 st husbands last name. Her current last name is ******* and has been since it was legally changed by marriage in 2001. The bank had fully approved this deal prior to Oct 19 because my wife completed the welcome and approval call with ******** *********. Also we were contacted by ******** ********* for a dealer experience survey prior to Oct 19. We had both spoke with the FI and I was preparing to make the first payment when the car was stolen by the dealer. The matter of the Ssn could have been cleared up when the question first arose had someone there had the decency to say something rather than steal peoples money and accuse them of fraud and felonious behavior. We are only requesting the refund of our down payment as the dealer has no right to keep this money which was paid in cash and keep the vehicle. This is not a condition written anywhere on any document. They therefore have should have to return the down payment. 
  
  Regards,
  
  ******* *******
  

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