Update: I spoke to JC, the gen manager, and he basically cussed me out and said I was a fucking nightmare. He said there is no way they would back out of the loan and he abruptly hung up on me The FL General Attorney's office called me this morning and we discussed how to proceed with the case and filing charges. The Saga I attempted to purchase a vehicle from Starling Chevrolet Deland. The finance man, Christian, insisted I sign a contract that day and assigned it to Wells Fargo, he said they agreed to finance. I wanted to wait and go through my credit union, but he would not agree to that.so, I signed the contract and took the car.
Two weeks later I had not heard anything, so I contacted WF and they have never heard of me. They said he never submitted my information to them. I contacted Christian and he said WF fell through because I couldn't figure out my income. I had already received a check to REfinance from Navy Federal credit Union but it was unusable because Wells Fargo didn't finance. So he asked if I could finance through NFCU. It took several days because they had to cancel the refinance loan before they can submit a new loan request. He sent me a new contract to sign because it was a new financer. I asked him if it was really necessary and he said yes that you have to sign a new contract if changing financer. NFCU did not work out.
---Finance guy then asked me if he could send me a new contract for GM because they agreed to finance but at 14% not 7% like NFCU.
---I said NO absolutely not I'm returning the car. I am not signing a contract, I do not want this vehicle, it's been too much chaos. He asked if he could send a driver to bring the contract. I said no you can send a driver to pick up the car. I have all this in writing/texts. I never heard from them again. About a week later (a week ago) I got a notice from my Equifax app saying a new line of credit had been opened in my name. I looked and it was an auto loan through Starling Chevrolet Deland! But I NEVER SIGNED A CONTRACT.
---Later found out JC took the deal away from finance man and did it himself, You are so desperate to make a sale, Especially one that was so overpriced and complete price gouging, that he was willing to go to document and ruin my financial life... Just to make a bit of money.
---I've been in regular contact with GM and GM Financial services and they have opened a FRAUD investigation because they said he fraudulently submitted the contract. He crossed out Wells Fargo and wrote GM above it. Apparently, he also increased my income to make it look like I made more money so that they would approve the loan. I also lost one of my jobs during this time frame so my income is only half of what he submitted to GM, so that was fraudulent as well. And the loan is for about $2000 higher than the amount we agreed on. According to 5 attorneys I have spoken to and GM Financial, The dealer needs to back out of the loan since it is fraud. However, I won't go in alone to return the car and insist they back out because the environment is full of toxic masculinity, all men and they all yell. If I go in as a single woman, they will spin everything and make me think I'm wrong and crazy.
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To reiterate and sum up: Starling Deland forged a contract and opened an auto loan with GM for $23,000 in my name without my permission and without my knowledge. It was dated 4/4 even though it was 5/10. During that interval I lost one of my jobs which cut my income in half. So the information he submitted to GM was false. Had they confirmed with me, they would have known this. But no one would take my calls. To this day at the dealership has never told me that they opened a loan. The initial payment was due last week but I could not pay it since it is not mine. As a result it will affect my credit score which I've worked really hard to increase over the last year. It's completely unjust that my credit score should be hurt because they opened up a fraudulent loan in my name. read more