In March of 2008, my brother, Eric Roesner, was an employee of Big Valley Autos in Portales New Mexico...he had been working there for a few months when he decided he wanted to trade in his Tahoe on a new 2008 Dodge Ram. He had good enough credit to get approved for the loan but needed a co-signor to get a better interest rate and that's where my story really begins. My brother called me and asked if I would CO-SIGN the auto loan for him so he could get a better rate, and with a lot of apprehension I said I was ok with them checking to see if I could help. I gave my Social Security Number over the phone to my brother and they pulled my credit to find that I had a near 800 credit score and could help greatly so with a lot of pushing and guilting from my brother and my family I agreed to CO-SIGN. I received a phone call from Rick Harrison, the finance manager, that he'd be fed-ex'ing some paper work for me to sign to get the ball rolling. I obviously could not go to New Mexico for any signings or anything because I live, go to school and work full time in Arlington, Texas.
A few days later I recieved a fed ex package with three documents...I'm still not sure what those specific documents were but I know they were 8.5X11 in regular copy paper, documents. I signed where sticky notes indicated I should sign. But the document I signed didn't have any APR, term, pricing, or any "car" information, so I assumed it was just the beginning paperwork, like credit check form or something like that. Those were the ONLY documents I signed, I never even heard that the car deal went through let alone all of the disclosures that go along with a car purchase, but I had never been a co-signor or needed one so I really didn't know what papers I should sign, see or get copies of. A few months later, July 2008, I started recieving phone calls from Chrysler Financial that the truck payment was late which was obviously very frustrating but my brother ended up making a few more payments so I didn't really think much about it because I thought maybe they just call the co-signor when the buyer is late.
In October 2008, the phone calls got more frequent, the Chrysler Financial collectors were very forceful and rude...treating me like I was some kind of delinquent when I finally asked "Why aren't you contacting my brother? This is HIS car." They responded - no ma'am this is YOUR car...you are the buyer and your brother is the co-buyer. So at that point I was utterly confused...I had no idea how this could have happened because I had only signed a few sheets of paper as a CO-SIGNOR.
My own brother and Big Valley Autos had misused my information and purchased a car in MY name without my consent, they forged my signature on the contracts and other car deal documents that you have to sign when BUYING a car. I never signed a carbon copy of ANYTHING, and since I've begun "investigating" and gathering information for the pending lawsuit I will no doubt have to file, I have found that my "signature" is on documents that I've never seen, I'm even on a trade in consent on a car that wasn't mine to trade in. The forgery is VERY obvious in several places, including one signature where my name is mispelled. Big Valley Autos fraudulently processed a loan through Chrysler Financial, never disclosed to me costs or APR, I never received copies of the documents or contracts. I never even saw how much the car payment was going to be or how much the total truck would cost. And now, over a year later, they say that I signed the papers and it's my responsibility but I didn't sign those papers, they forged my signature...they switched the buyer and co-buyer information which in Texas is a crime...I don't know if it is a crime in New Mexico. But I feel like people need to know that this dealership LIES, cheats and steals your information if it means get a loan processed and a car sold. I hope this gets out to millions of people and that Big Valley Autos learns that cheating consumers, lying to them, wrongfully and fraudulently using consumer information and of course FORGERY is wrong and they will eventually pay for this crime.
Thank You for your time...don't buy any cars from this dispicable company and definitely do not give them ANY information because they will undoubtedly use it fraudulently...I'm sure I'm not the only person this has happened to.
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