Description

Statement of Complaint My name is Clifford James Sheffield. I purchased a vehicle on November 17, 2025, from Mike & Sons Auto Brokers, LLC, doing business as Cash Car Kings, located at 1981 Rock Chapel Road, Lithonia, Georgia 30058. I paid a $4,000 down payment for the vehicle, consisting of $2,000 via Zelle and $2,000 in cash. When I initially inspected the vehicle, the representative pressured me to sign paperwork outside without reviewing it thoroughly. Despite my hesitation, I signed the documents under distress and without a full explanation of the terms. On November 25, 2025, at 12:01 a.m., the dealership came and repossessed my vehicle. Upon reviewing the paperwork more closely, I discovered several concerning discrepancies: The documents claim my first payment was due on November 24, 2025, and then due every Monday thereafter. I was not informed of this schedule, nor was I given a clear explanation. I had not missed any payment, and the repossession occurred less than one full day after the first payment due date. The paperwork indicated an additional $843 deferred down payment, despite my having already paid $4,000. Late charges of $50 or 5% of the payment were listed for payments not received within 10 days of the due date. I was never given the opportunity to make a late payment. It appears that the dealership was waiting for me to be “late” in order to repossess the vehicle and retain my down payment, which they claim is non-refundable. I was not given any notice of the repossession, and it occurred while I was at work. Because I signed under distress and was not properly informed of the payment terms, and because the dealership repossessed the vehicle without proper notice or opportunity to remedy any issue, I am requesting a full refund of my $4,000 down payment. The additional $843 demand is invalid, and the payment schedule and late charges were not properly explained to me. I reserve the right to pursue all legal remedies available to recover my deposit and any associated damages.