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6889035
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2023-04-25
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Charged fees or interest you didn't expect
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Payday loan, title loan, or personal loan
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|
| Issue |
Charged fees or interest you didn't expect
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| Timely |
Yes
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| Company |
Tesla, Inc.
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Installment loan
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| Date Received |
2023-04-25
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-04-25
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| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
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| Complaint What Happened |
Retail Installment Contract was signed on XX/XX/XXXX for {$30000.00}. Project coordinator asked if we wanted to finance the battery portion of the loan separately at 0 % interest using the HEAT loan program. We agreed, went to a local credit union from the list provided from XXXX and secured the 0 % interest loan for {$11000.00}. The solar installation was completed in XX/XX/XXXX and we were instructed to mail the check to XXXX XXXX ( attached is copy of full email conversation between project advisor and us ).
We received confirmation check was received, however we never received an updated Retail Installment Contract with the financed amount being {$19000.00} even though in the email it said we would. Since the {$11000.00} was now financed separately at 0 %, it should have been removed from the amount financed and we shouldnt have to pay interest on that amount.
We made phone call after phone call to try to get resolution on this matter and each time we were told different things. First they told us the {$11000.00} was applied as a regular payment ( which was not how that should have been applied ). Then we were told it wasnt applied at all and they needed to send us the {$11000.00} back to us. We requested they correct the loan and provide a new Retail Installment Contract to no avail.
XXXX deposited the check for {$11000.00} on XX/XX/XXXX ( copy of deposited check attached ) yet they did not apply it to our loan in any way or correct the contract. Our first payment for our original contract was due on XX/XX/XXXX and since the amount of the loan was never corrected we decided to pay it off, which we did. We sent XXXX a wire transfer on XX/XX/XXXX for {$30000.00} as this was the payoff amount given to us. We could see on the portal that wire transfer was received.
Every step of the financing process has been a disaster and it seems there is not one person who works for XXXX that actually follows up with their customers. Our project coordinator, XXXX XXXX, stopped responding to emails ; we talked to at least 5 different representatives and not one got back to us as promised ; the only manager we actually got on the phone was XXXX XXXX and she had not responded to our emails or called us back.
XXXX has had our {$11000.00} for 11 weeks and have made zero effort to get it corrected.
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| Consumer Consent Provided |
Consent provided
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7880343
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2023-11-20
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Managing the loan or lease
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Vehicle loan or lease
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|
| Issue |
Managing the loan or lease
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| Timely |
Yes
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| Company |
Tesla, Inc.
|
| Product |
Vehicle loan or lease
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| Sub Issue |
Problem with fees charged
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| Sub Product |
Lease
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| Date Received |
2023-11-20
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-11-20
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| Consumer Consent Provided |
Consent not provided
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