Complaint Review: Roseville Toyota - Roseville California

This Review is for Sales, Financing, Special Financing, and Management. No interactions with the Service or Parts Department.

BUYERS BEWARE, even if you have a signed contract, made a $2,000 down payment, and made your payment on-time, Roseville Toyota may still try to take your vehicle back from you after 37-47 days.

Since I had a previous bankruptcy and a newer job, I sought out special financing at various dealerships. After speaking and working with the special finance staff at Roseville Toyota, I purchased this vehicle from them on 10/25/14 and gave them $1,000 as the down payment.

Within 10 calendar days, Roseville Toyota found a lender to finance the vehicle for me with my credit and work history but based on terms different than what was agreed to on 10/25/14. Roseville Toyota requested I come in to re-sign another contract with an additional $1,000 down payment; which I did on 11/04/14.

On 11/15/14, "Armando" called requesting proof of residency for the other two individuals residing at the home. He said acceptable examples of this proof were paystubs, utilities bills, bank statements, etc. I sent via mobile text photos the documents to "Armando".

On 11/18/14, "Cara" called stating they still needed the information requested by "Armando". This time, I sent two emails with attachments to "Armando" and "Sean". After sending these emails, I received no further communication from Roseville Toyota until 12/11/14.

On 11/20/14, the DMV titled the vehicle with me as the registered owner and mailed the proof of registration.

On 12/11/14 (47 calendar days after Contract #1 and 37 calendar days after Contract #2), individuals from Roseville Toyota called me to tell me I have to return the vehicle. They said the lender kicked the loan out and they weren't going to finance the vehicle for me.

On 12/12/14, I spoke with individuals at Roseville Toyota and they threatened me with vehicle repossession, application fraud and legal costs plus fees associated with reclaiming "their" vehicle.

On 12/15/14, I spoke with the special finance manager who said due to lack of lender financing they need the vehicle and there's no in-house financing available with Roseville Toyota; a member of the Sullivan Auto Group. I explained to each of the callers the situation as I saw it on both Contract #1 and Contract #2: "Seller's Right to Cancel". They had me come in within 10 calendar days to re-sign. Either way, it was already past the 10 calendar days for the Seller's Right to Cancel. Roseville Toyota and Sullivan Auto Group should be held responsible for their actions of harassing, intimidating, threatening and lying to a buyer/consumer.

On 12/19/14, the 1st monthly payment of $344.40 due on December 19th was delivered to Roseville Toyota via USPS Certified Mail.

As the "Buyer", I held my end of the contract on multiple occasions. As the "Seller-Creditor", Roseville Toyota should hold their end of the contract by finding a lender on these terms or to in-house finance the vehicle within their dealership or Sullivan Auto Group. I believe they also have a business by the name of "Sullivan Auto Credit" so it is difficult to believe that they are unable to "in-house finance" as they claimed by phone.