Business ProfileforMountain View Chevrolet

Mountain View Chevrolet stole my identity. Not only did they steal my identity, but they unjustly enriched themselves at my expense. Meanwhile I went through the emotional pain and suffering caused by their crimes. They ignored me when I tried to bring these unjust acts to their attention. Now I am at their mercy and teetering on financial ruin behind their criminal actions. I am not asking for any special treatment. I am just asking for my rights to be restored as outlined by Congress in the Truth and Lending Act. Accident Insurance for the Vehicle was supposed to be included in the finance charge by Mountain View Chevrolet. This is not my personal preference or something I was promised by the dealer. This is Federal Law as outlined in 12 CFR Part 1026.4(b)5 and 15 U.S. Code § 1605. The fact that this wasn’t included in the contract constitutes Identity Theft yet again. Mountain View Chevrolet violated federal law when they required and took a down payment on the vehicle from me. Congress enacted the Truth and Lending Act to protect consumers from businesses like Mountain View Chevrolet who willfully violate 15 U.S. Code § 1662(b) and take down payments which are not required to finance any vehicle. Not only are they not required. But they are illegal, because a consumer credit transaction must be all credit. If it isn’t all credit it must be done in all cash. You cannot commingle the two. This is the law Congress wrote, not my personal opinion. Mountain View Chevrolet intentionally misrepresented the Finance charge on my Vehicle. The definition of a Finance Charge is the sum of all Charges. So if the total sales price of my Vehicle was over $80,000 - then how could the finance charge be merely $16,000? The answer is that it cannot be unless Identity Theft and fraud is taking place. With a mistake that big and all of the other fraudulent actions that took place during this transaction, I am left only to believe this was Identity Theft taking place.