I submitted an electronic/online credit application with an auto dealership listing my social security disability and child support payments as my only sources of income. At the dealership they asked me about my former employer such as the number, my former supervisor's name and they even asked if I knew someone at the company that would lie for me and state that I stilled worked for the company and I flat out said NO, not knowing that they would later resubmit my online application adding the employment information and a whooping $2200 a month salary on top of my disability and child support payments and this was all done without my permission so that I could get financed as I found out 8 months later. On the day I visited the auto dealership they submitted my application to several auto financing companies while I was there and the salesman told me that they were having a hard time finding a company to finance me because my credit was so bad...probably due to my divorce. I was told that I could take the vehicle home and that they would call me back to sign the paperwork once they had found a company to finance me...yeah right, they already knew who they were going to send me to for financing...the highest interest rate bearing finance company in the U.S... DRIVE FINANCIAL. About a week after taking the vehicle, I received a call from Drive Financial and they asked me about my down payment amount and then verified my address, phone number etc. but they never verified my source of income...which was no big deal to me as the verification call was being recorded. I was called back to the dealership to sign the papers backdated to the date I drove the vehicle off the lot and when I saw the high interest rate I was in shock and when I asked why the interest rate was so high the finance manager said that it was due to an acquisition fee...I thought that since I had taken the vehicle I had no choice but to agree to the terms. I am paying a total of $33, 000 for a 2008 Hyundai Accent that cost me $13, 000 with a trade-in and down payment and the vehicle is now worth $8, 000...you do the math. Also, the auto dealership committed fraud and forgery by resubmitting my electronic application with the employment information they received from Drive Financial, since they do this all the time they were smart enough to not call the vendor used to verify my employment and salary history called "the Work Number, because the Work Number would have them listed on my data report as an organization that verified my employment/salary history thereby aiding in the deception. Drive Financial did the dirty work and not only that but if Drive financial approved financing for me based on the income amount listed on the credit application do they not need proof of said income? When Drive called "the Work Number" (3 times within a 5 day period) they were notified that I no longer worked for the company even so, the vendor was still able to provide them with my start date and end date with the former company (aiding in the fraud) listed on the resubmitted credit application, Driver was not given any salary information which is why the monthly salary listed on the resubmitted application is incorrect. I did not provide the dealership with a copy of a current paystub because naturally, I did not have one, the only proof of income I provided to the auto dealership was a copy of my disability and child support award letters... my actual income. Basically, Drive Financial and this auto dealership and the auto dealerships associated with this one do a lot of business together ... for financial gain on both ends. Drive knew that my monthly income was only $2400 but yet they still financed me based on the unverifiable income amount listed on the credit application $4200. If I made $4200 a month I could make the payment of $388 a month for 72 months with no problem but as it is, I only get $2250 a month and occasional child support of $230 a month and if Drive Financial is doing this to others than that is probably why so many individuals are getting their autos repossessed by Drive Financial...we are being financed on inflated income amounts, Drive could not justify financing us if they were based on our actual income and not false or inflated incomes. If anyone out there has been denied financing by Drive Financial or RoadLoans and the principle reason for your denial was "did not meet the minimum income requirement" and your monthly income was anywhere between $2200 and $2500 a month we might have a class action lawsuit against them. Also, If we can prove that Drive Financial engages in predatory lending to women, disabled, minorities, or low income individuals that could also generate a class action lawsuit because the more we know the better. I implore anyone submitting an electronic/online credit application that if the dealership does not send you a copy/receipt of the credit application you submitted online please, make a print screen or copy for your records because had I done so, they would not have able to commit electronic forgery and fraud. Lastly, if anyone in the chicagoland area purchased a vehicle auto Family Hyundai, World Hyundai, Bob Watson, or Watson Motorsport you might want to request a copy of your credit application to make sure they did not inflate your down payment or income amount or even your employment history in order to get you financed. I believe I can prove damage because this fraudulent act has caused me to suffer economic harm which could led me to the loss or a repossession because I did not financially qualify for the vehicle based on the financial qualifications I provided it was all based on fraudulent unverified income.

Okay, so I got sucked into this old 91 toyota station wagon due to the time because I didn't have enough money. The dealership is Mint Auto Sales, sold me the car leaving out the part who is financing me ok.

Mint auto sales told me because my credit wasn't so great I needed a cosigner, and so my sister cosigned it. Mint auto sales said I had to deposit 1, 500 for the 91 toyotal old station wagon and that the car is being sold for 4, 000 only. Mint auto sales said my montly payment was only going to be 220 dollars because of my bad credit.

But here's the thing, if my sister who has great credits in her 800's, why am I paying 250 for a really old car. So they kept saying it was because of my original credit, and that my car is only being sold for 4 grand and they have a great business partner who would finance me the car for 4 grand, also that the more I pay the faster the car would pay off. They left out my annual percentage rate. The dealership didn't even really let me read the paper because he was flipping crazy fast, the mexican guy said, "eh no worries man, you know the deal, it's basic stuff with you buying the car, need your sis to sign, you sign, and we offer this warranty and gap insurance that will cover you for any loss of the car value if due to repo, totaled in an accident, and when it can't be sold back for 4 grand, ya know."


So I bought the gap insurance/warranty.

Next I signed all the paper. Mint auto sale said I needed to put another 300.00 that includes my gap insurance, other fees they forgot to mention for the warranty incase my car breaks down. That the 1, 500 was not included with the gap/warranty. I didn't have the money but they let me drove it home and told me to come back in two weeks to pay the 300.00. I went back after two weeks for the 300.00 payment. The guy said I forgot to sign some paper work. Stupidly I signed it!

He even offered me full coverage insurance for 60.00. the first day I bought it too. I said, no hidden fees right, he said no. A week later the car insurance "broke insurance" sent me a letter saying I'm not longer qualify because I didn't make a full down payment, and that my first down payment was only 60.00 and I left out the 300.00 that was my monthly insurance payment. Yikes! What a scam.

Next my biggest nightmare came true. Drive off financial sent me a yellow card with the title, Drive Financial. I'm thinking that's not the full name of who I signed it with when I looked back at the paper work. Also, the yellow card was cheapily printed and hand written with the amount I would owe in 5 years. (interesting, 5 years) The whole amount was 16, 800.00 for the 1991 toyota camry. Now that's crazy. I couldn't afford to have worse credit than where I am at already since I'm screwed into this crap.

So I kept paying but up to the 2nd month. The lady from drive financial told me I was getting my car repo if I don't get insurance. I said, I have full coverage with progressive insurance. She said, "well I
never got a statement from them that you made a payment, " and
I'm thinking what the hell, since when do they have me personally go fax them every month of insurance that I have?

She adds on "hun, you are driving our car without any insurance, we cannot take that risk" Although I paid it two days ago, and it has not been posted yet, unless the lady really did call, she would have known that it was paid, plus progressive is a well known great insurance that doesn't mess up usually. So the lady kept arguing and arguing that if she does not receive a fax by noon my car will be gone. So I even had progressive fax her.

Next she did that the next month again. I was getting really tired of their shitty service. Somehow I fixed the problem that wasn't even a problem to begin with.

by the 4th month, I told drive financial that I would be a week late for my payment. The lady said ok, just keep me updated. Plus I always go in person to pay, and they're located on madison avenue too. within
5 days, not seven days, my car got repo. I called, the lady said it was because I never made a payment within those 5 days, that I had no insurance at all because I didn't fax her the paper, she needed to be updated every month on insurance coverage. What the hell!
NOw I'm pissed off! FIrst I got scam by Mint auto sales, who is their buddy, and by Broke insurance, and next Drive Financial who supposely went by drive off financial so that I couldn't google their business. NOw I call drive financial and say "I"m willing to pay for what the cars worth only. I'd like to refinance or else I'm not keeping that car, the lady goes "ha ha ha hunny you're definitely going to have to make lots of payment towards the tow yard, and to us, and getting insurance." I said no, I'm only going to buy the car for what it is worth, you guys said 4 grand now 16 grand, that's a real big difference. Fyi, I told you that it was going to be a week late, and now the car is gone and there's a bill at the tow yard, I'm not paying the tow fee, nor the tow yard. If you were a smart business you wouldn't have tow a car just like that no more than a week, and honestly having people fax you every month for insurance coverage is crazy, and by causing me to have to pay a tow yard fee, what makes you think there would be more money put into the car if it's going towards a tow yard? Kastly why would you think a person would want to do business with you for all this trouble, plus you're just going to lose a car, lose business with me, why don't you just sell the car for a real deal and not lose any profit at all when I know you guys won't go back for the wagon when the tow yard is more than the car would be worth the longer the car stays there."

The lady said "bitch, I don't think so." Then i said fuck you, and hung up. Anyway that was the worst shittiest business I have ever dealt with in my life.

That business needs to be shut down along with mint auto sales who is in business with them.

Later I got a message from drive off that I owe 16, 800 exactly.
I went back to mint auto sales about my gap insurance and why do I owe anything. Mint says you never bought gap. I show them my receipt, mint says you never bought it, drive off financial bought it. I said why the fuck would they buy that insurance to cover my ass and why do I get the receipt, obviously I bought it. NOw mint says, ok, so if you bought it, it doesn't cover repo, it only covers total. I said, first of all, why would I need that when I know a lot of full coverage car has their own insurance on car accidents, total type of coverage on
cars. They go, fine you say what you want, we don't have a record of you buying a car from us, we don't have your paper work anymore than two weeks when you bought it. I said, well then that is fraud to begin with when you guys stated that if I was not satisfied with the car in no more than a month, I can bring it back. I remember after the first week, it made some noises. THen suddenly my car wouldn't start until I've tried starting it like the 6th time. Mint auto sales didn't want anything to do with me seriously.

So again, do not do business with DRIVE FINANCIAL, MINT AUTO SALES, and BROKE INSURANCE (not brooke insurance fyi). I"m dead serious!

This company has given me so much grief and stress, I have even had to go to ER for chest pain and now need a cardiac work-up.

I am not a young woman. I owe the money, but I, like millions of other Americans am having a very hard time. I am truly doing the best I can and will pay what I owe as I can. I work Full Time and am not on any Govt. programs.

I am just tired of being abused. I thought it was against the law. I don't know what to do. I cannot answer my phone. They wake me up and run my cell bill up and I have to have my cell phone for my job.

I am a visiting nurse and I work long hours and get no relief form these people ever. They are relentless.

I can not understand why is it when you ask to talk to a supervisor about your payments and history you can not, they put you on hold and say they will talk to the supervisor first.Actually I believe they are just setting the phone down and biting down on a donut or two. They actually wanted to keep charging me late fees because I did'nt separate the late fee and regular payments.So they wanted to keep tacking it on and I told them you DO IT, your computer can adjust it. And reviewing your payment history is a JOKE, I never can Figure it out where it goes, I have till Aug 2012, WE WILL SEE THEN, John

This company's customer service *** they do not want to hear any thing you have to say. You can't stick with one representative, when you call you deal with one then when you call back you have to deal with someone different because "they are unable transfer you to the one you all ready talked to" so you have to repeat every thing you just talked about with the previous one. I feel that they should be put out of business. You should not have to deal with this crap.