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How to spot auto loan fraud Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering you interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare data at no cost - so you can make financial decisions without a doubt. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that are featured on this website come from companies who pay us. This compensation may impact how and when products are featured on this website, for example, for example, the sequence in which they appear in the listing categories, except where prohibited by law for our loans, mortgages, and other home loan products. But this compensation does not influence the information we publish, or the reviews that you read on this site. We do not contain the vast array of companies or financial deals that may be accessible to you.


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4 min read Read Published February 28, 2023
Written by TJ Porter Written by a contributing writer

TJ Porter is a contributing writer at Bankrate with over eight years of experience writing about financial matters. TJ writes about a range of subjects, including .

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to control their finances by providing clear, well-researched information that breaks down otherwise complicated topics into bite-sized pieces.

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When scammers targeted homeowners in the housing downturn, car loan frauds are beginning to draw the attention of the government watchdogs. These scams range from illegal techniques for financing that force consumers into unfavorable finance agreements, to deceptive negative equity deals that leave consumers in debt for more car loan debt than they anticipated. Most scammers target owners of cars who need to catch up on their bills and wish to avoid getting their cars confiscated. These scams can be costly to avoid, so be aware of the dangers to look out for. The scam of car loan modifications scams. A loan modification scam is a fraud created to extort your cash without offering a service. The car loan modification scammers promise to lower your auto loan payments. In exchange for helping you achieve their goal, scammers charge an astronomical amount upfront. Scammers usually demand fees upfront or unusual forms of payment. They can also try to convince to sign an agreement, and they will usually ignore checking your credit score. They may also advise you to not make auto loan payments as they "negotiate" with your lender. It's not uncommon for scammers to ask for additional money as they continue their"efforts" on your case. In certain cases the scam firm may ask you to make car payments directly to them instead of your lender. "The scams are similar to the mortgage loan change scams with the scammers telling customers that they may be able to stop their car from being repossessing and they can reduce their monthly payment," says Gregory Ashe, senior staff attorney with the Bureau of Consumer Protection at the Federal Trade Commission. Repossession can occur after just 2 or 3 months not paying. The longer you put off making a contact the lender, the less alternatives you will have. "Auto lenders are not usually offering lower interest rates or decreasing the principal balance of a car," Ashe says. "If any relief is to be obtained, it's generally to extend the length of the loan to lower the monthly payment or postpone payments due to late payments until the end of the loan. There will be a higher cost over the life of the loan but there's no significant savingshowever, at least you have a chance of affording your car payment." How can you avoid
To avoid becoming the subject of a vehicle loan modification fraud To avoid being a victim of a scam, the FTC recommends that you do so as when you are aware that you will And ignore any false promises of lower vehicle payments from shady companies.

Yo-yo financing scams A offers a favorable interest rate to the buyer, only to yank it off to make an already-committed buyer agree to worse conditions. Here's how it is done. A car dealer leads buyers to believe the financing is final and will accept a trade-in or down payment, and permits the buyer to leave the dealer with a brand-new vehicle. A few days or even weeks later the dealer will contact the customer and inform them that the financing was not able to be completed. The buyer must come back and sign a new agreement generally with less favorable terms. Sometimes, the dealer has already sold the trade-in vehicle which leaves the buyer to select between higher rates or no car at all. These scams often target consumers with less financing options, as they have . Yo-yo lending is not legal in every state, says Paul D. Metrey, executive vice president for regulatory affairs for the National Automobile Dealers Association in McLean, Virginia. But there are also conditional sales and spot deliveries which are legal. In fact, the FTC is currently drafting a for car dealers that includes language to protect consumers from the yo-yo finance traps. If it is enacted, the rule would prevent dealers from misrepresenting when the transaction is actually finalized. What are the best ways to stay clear of
To avoid a yo-yo scam Buyers can go to the dealership with secured before the scheduled time. It is likely that you will get a better interest rate through a bank or credit union that there is an existing account. Also, bringing in the money already secured will give you .

Negative equity scams FTC has taken administrative action to address Truth in Lending Act violations in the way that dealers handled negative equity. The dealers failed to clearly explain to customers that even though they promised for "pay the balance" the outstanding balance on a trade-in but they actually took that negative equity and applied it to the new car loan balance. A few customers complained that they didn't realize that until they signed their new auto financing documents. "Consumers should study the documents before they sign it, since it doesn't matter what's written. It's what's written," Ashe says. "If you don't comprehend something, don't sign it." What can you do to stay clear of
After reviewing the loan documents, make sure to ensure that the amount is the amount you agreed to pay. If there are additional costs you aren't sure about, ask the finance department at the dealership for a detailed explanation of these costs. The trade-in must be considered as a distinct transaction. Although you may choose to make an existing loan, the dealer needs to be clear about how that will affect your loan.

Loan packing Dealers may make you feel pressured to and from services when you purchase a car. These might include extended warranties , tire rotation, rustproofing and service contracts. Although some of these products are useful, the majority are not. The main goal of the seller in this instance is persuade customers to spend more. Be aware that you are under no obligation to agree to any additional items. If any of the options interest you, consider negotiating the price for the extra item just as you would bargain the cost of the car. Keep in mind that when it's added to the loan, you're paying interest on it. How can you avoid it?
Find out what's available and then see what you can make yourself or purchase in a different shop. It is possible that you can find the options or services for an affordable price and with superior quality without having to wrap the costs into the loan.

The most important thing to remember is that loan modification scams target vulnerable buyers who are not creditworthy or are late on their payments. If it appears too good to be true, then it probably is. If you're struggling to pay your loan the best option is talk to the lender directly. Most lenders will be willing to collaborate with you if you show that you're making an honest effort to continue making payments.

Written by Contributing writer

TJ Porter works as a contributing writer for Bankrate with over eight years of experience writing about finance. TJ writes about a wide range of subjects, from to .

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping their readers feel confident to take control of their finances by providing precise, well-studied data that breaks complicated topics into bite-sized pieces.

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