INGRAM PARK NISSAN IPAC Jeep, Dodge, Nissan, Mazda of San Antonio, TX -  ingramparknissan.com ipacauto.com Financing; Deceptive Trade Practice with intent to Defraud. Finance; Willful Neglegence of Contract Processing San Antonio Texas

I purchased a new Nissan Altima on Jan 18, 2017  from this dealership receiving great service from the salesman. When I was passed to the finance section, during the creation of my loan agreement; an "S-Guard" supplimental warantee costing $1,395.00 was recommended by the finance associate to cover what he said were "gaps" in th enew car warantee, and the "S-Guard" covered bumper to bumper for 72 Months and or 72000 miles. I had not yet received the new car warantee booklet so I took him at his word. I signed the auto loan, including a single sheet of paper describing the ammount and payment terms of the "S-Guard" plan, I ask for details but received no contract for that adddional warantee and was told it would be mailed to me.

Upon receipt and review of the new car warantee, which covered everything for a similar time and mileage period, I returned to th edealership finance area and had the addional warantee cancelled on Jan 23, 2017, receiving a copy of the signed cancellation papers. I was told it could take up to 45 days to get the $1,395 deducted from my loans ammount financed. After 30 days passed I went back to the dealer and insisted on the status of the cancelation as the loan company was charging interest on the ammount. I stopped an attempt to pationize me with rethoric and demanded a copy of the "S-Guard" warantee contract. The same man that initiated it, produced a copy marked sample immediately from his computer.

I read this agreement and found why it had been hidden from me; it covered only drive train issues. I did some research and found the underwriter immediately following their cancellation instructions in an effort to assure cancellation.

Mar 06, 2017 this warantee remained efective and interest was still be charged on it. I called the dealer asking fo rthe general manager and was routed to the finance manager "Monica". Monica said "the dealership can't cancel the S-Guard contract; I (the buyer) had to do it". Monica then told me to read my S-Guard contract and follow the cancellation steps within. I read the cancellation steps in the contract I had marked Copy, and found that all that was required for a full refund was to return the contract to the seller/dealer or to the S-Guard company.

Since I did not receve a contract associated with the warantee plan when I signed it, and still haven't via mail; the seller has has had the contract in their posession since they sold it and the of requirement of returning it is satisfied.

Finance manager Monica called me the following da and informed me that the S-Guard contract had been cancelled mid Feb 2017, and I would see the $1,300.00 in full deducted from my loans ammount financed April 1st 2017. (Mid Feb is when I acted on it with the underwriter). I will have paid over $60.00 in in interest, endured the time and expense of driving to dealer three times, as well as the inconvienience of nailing them down.

Bottom line:

They withheld the available S-Guard contract at time of sale and signature, with knowledge of it's limited coverage and providing misleading and untrue information, for the purpose of additional profit. They did not execute cancellation of the contract as the signafied documents demand continuing their disception and fraudulant practices. The manager telling me they had nothing to do with cancelling those contracts substanciates these nearly criminal acts.

Randy S. Genseal

March 28, 2017