My question involves a consumer law issue in the State of: california
Date of purchase :7/31/17
Dealership : mazda in Bay Area
I got preapproved through capital one bank for a car loan . I went to a Mazda dealership in the Bay Area of California. They honored my proof of capital one bank for my car loan and I signed all the paperwork and the last step was for them to send " my paperwork ".
A week goes by and I get a call from the finance department notifying me that " they made an error on my paperwork , wrong payment date that capital one bank denied it due to having the wrong date ."
So they sent a driver to have me complete a new paperwork it was the same interest rate and monthly payment was $10 lower and the price of the vehicle remained the same.
So September comes along , I know my 1st payment is due September 23 ,2017. So I called capital one to ask for a statement for my auto loan . They said they did not have one for me , so I asked for clarification and they said , " we never got the revised auto paper work from the dealership,"
So I called the dealership spoke to the same guy who handled my paperwork and he said " oh no I sent your paperwork to chase auto " which is the bank that mazda works with ."
I was so upset ! He said , there's nothing I can do since we have finalized everything.he said the apr and the monthly payment will remain the same . But I won't believe it until I see that in writing. I told him all I am paying is what I signed for.
So I called chase auto loan department and they could not find my loan by my social security number and birthday and I am the only person on my contract. So isn't that weird they would have some trace if the guy did send some paperwork to them.
I called the finance guy back and he told me to be patient and he will make it up to me by having me have a better apr by having my car refinanced . Which I am NoT wanting to do. It's his fault and he needs to fix it . But he tries to tell me to be patient and he will try to get me a better apr. that's some bullshit.
So at this time I have no idea what to do . Are they allowed to have me go with chase when I never ever applied for an auto loan with chase ?!
Date of purchase :7/31/17
Dealership : mazda in Bay Area
I got preapproved through capital one bank for a car loan . I went to a Mazda dealership in the Bay Area of California. They honored my proof of capital one bank for my car loan and I signed all the paperwork and the last step was for them to send " my paperwork ".
A week goes by and I get a call from the finance department notifying me that " they made an error on my paperwork , wrong payment date that capital one bank denied it due to having the wrong date ."
So they sent a driver to have me complete a new paperwork it was the same interest rate and monthly payment was $10 lower and the price of the vehicle remained the same.
So September comes along , I know my 1st payment is due September 23 ,2017. So I called capital one to ask for a statement for my auto loan . They said they did not have one for me , so I asked for clarification and they said , " we never got the revised auto paper work from the dealership,"
So I called the dealership spoke to the same guy who handled my paperwork and he said " oh no I sent your paperwork to chase auto " which is the bank that mazda works with ."
I was so upset ! He said , there's nothing I can do since we have finalized everything.he said the apr and the monthly payment will remain the same . But I won't believe it until I see that in writing. I told him all I am paying is what I signed for.
So I called chase auto loan department and they could not find my loan by my social security number and birthday and I am the only person on my contract. So isn't that weird they would have some trace if the guy did send some paperwork to them.
I called the finance guy back and he told me to be patient and he will make it up to me by having me have a better apr by having my car refinanced . Which I am NoT wanting to do. It's his fault and he needs to fix it . But he tries to tell me to be patient and he will try to get me a better apr. that's some bullshit.
So at this time I have no idea what to do . Are they allowed to have me go with chase when I never ever applied for an auto loan with chase ?!
Dealership Sent My Paperwork to the Wrong Bank
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