Robert Rios

Even if there's no way I can prove discrimination based on race or gender, they absolutely wronged me. They refused to sell me a car, damaged my credit, offered me unfair loan terms, refused to negotiate t on race or gender, they absolutely wronged me. They refused to sell me a car, damaged my credit, offered me unfair loan terms, refused to negotiate to anything reasonable, told me send them a check, and then sold the car without telling me the very same day. Absolutely shady business practices-immoral, and probably illegal. As a result, I was harmed. Here is what happened: After scouring the internet for a car that I wanted to buy, I went to the dealership to make the purchase. I test drove the car and it was amazing and so I sat down with the salesperson to buy the car. We agreed on a price and I told him I was already approved but he wanted to see if he could beat the rate. I know my credit score is over 650 and I was attempting to buy a $22,000 car-well within my price range given I make over 4 times that amount annually. He requested a credit application from me and the finance office ran my credit - causing a hard inquiry 3 times that night. The salesperson eventually came back and said that the banks were closed so they couldn't finish the deal that night. He told me they would call me with loan terms in the morning. Late the next morning, they called me asking for 25% down ($5,000) and an interest rate that was 7 percentage points higher than my pre-approval. I told them absolutely not-my pre-approval was for zero down! I would like to use my own bank to finance the car. The salesperson then told me that I had to contact the bank and get them to send a check directly to the dealership. He said he would send me the purchase order. On the next business day, I received the purchase order and called the . ,next day, my loan officer called me back with loan terms that included 0 down and 6 percentage points lower than the dealers only and final, non-negotiable offer. It wasn't the original rate because they discovered that the dealer was charging me 110% of the car's actual value so they increased my interest rate. Nevertheless, I signed the loan with my bank and the bank sent a check to the dealership overnight. I got insurance on the vehicle and started making my way to the dealership to pick it up. While on my way, I got a call from the salesperson to let me know that they sold the car to someone else the SAME DAY they sent me the purchase order and told me to go take out a loan on that vehicle. By this time, it had been over 72 hours and no one had bothered to let me know. The damages I have incurred are that all those hard pulls on my credit have lowered my credit score making it more difficult for me to access capital for at least the next 30 days. I also cannot take out a loan on another vehicle because I already have a car loan for a car someone else is driving. I had to go to the dealership not once but twice to try to collect the check they had received for the already sold car. Now I need to send it back to the bank, at my own expense. As a direct result of this action, I lost, not only that vehicle, but several others that I was looking at that were ultimately sold to other people. I honestly do not know why the dealer refused to sell me the car. I was prepared to buy it that moment and they sent me away. I suspect perhaps they wanted to sell the car to a friend or family member of a salesperson or someone like that. However, I think it is illegal to offer me absolutely predatory and unfair loan terms or refuse to offer me a loan. I think they must have violated some consumer protection or fairness in lending laws. They never gave me the opportunity to come back and sign the papers or to pay any type of deposit when they saw there was another customer interested in the vehicle. They knew I was credit-worthy and they knew they told me to have the bank send them a check for the car and they sold it anyway. They sold it without telling me. It is so unbelievably disrespectful. More

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