Vehicle loan or lease -- Getting a loan or lease -- Complaint #15681306
Complaint Overview
Complaint ID: 15681306
Company: Cig Financial LLC
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Getting a loan or lease
Sub-Issue: Confusing or misleading advertising or marketing
State: Washington
ZIP Code: 984XX
Date Received: 2025-09-02T12:00:00-05:00
Date Sent to Company: 2025-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Subject : Complaint Regarding Misleading Lease Practices at AutoNation XXXX XXXX Dear XXXX Customer Relations Team, I am writing to formally share my experience at AutoNation XXXX XXXX, which left me and my husband feeling misled and taken advantage of. During our recent visit, the dealership presented us with lease figures that did not align with XXXX XXXX XXXX official lease program guidelines or with the offer they had advertised. Specifically : The residual value quoted to us was significantly lower than the official XXXX residual for the same trim and term. As you know, residuals and money factors are set by XXXX and are consistent across all XXXX dealers. Despite my repeated requests ( both via email prior to the visit and again in person ) to see the official residual, money factor, and a transparent breakdown of incentives and equity, the dealership refused to provide that information. Instead, they used numbers that inflated the monthly payment and made the deal appear far worse than the official program would allow. This lack of transparency and refusal to share the official XXXX lease terms gave us the clear impression that the dealership was attempting to take advantage of us. We left feeling like AutoNation XXXX XXXX was trying to scam us, rather than work with us honestly. We know what the official XXXX XXXX XXXX numbers should have been, and we came prepared. The fact that the dealership did not provide those figures when directly asked is unacceptable and deeply damaging to Hondas reputation for integrity. We are disappointed because we expected XXXX dealerships to uphold standards of honesty, clarity, and fairness. Instead, this experience has made it difficult to trust the dealerships intentions. I am sharing this feedback because I believe XXXX should be aware of these practices at AutoNation XXXX XXXX. Customers deserve transparency, especially when financing or leasing a vehicle. We hope that corporate XXXX takes this matter seriously and ensures that all dealerships operate with honesty and in accordance with XXXX guidelines. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15681306 about?
Complaint #15681306 was filed against Cig Financial LLC regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2025-09-02T12:00:00-05:00.
How did Cig Financial LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Cig Financial LLC?
Yes, visit the Cig Financial LLC company profile at readthecomplaint.com/company/cig-financial-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.