Q: What can I do if new car contract shows wrong finance Apr ?
Im asking because it’s shows as 0 but that’s wrong
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- California
- (916) 704-3009
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- Answered
A:
If your car contract shows an incorrect APR of 0%, you should act quickly to address this discrepancy. Document everything by taking photos or making copies of all paperwork, including advertisements, promotional materials, and the contract itself.
Contact the dealership immediately in writing (email or certified letter) to point out the error. Under California law, car dealers must provide accurate financial disclosures, including the correct APR. If the dealer is unresponsive or unwilling to fix the issue, you may have grounds for contract cancellation under California's auto fraud protections.
You can file complaints with multiple authorities: the California Department of Motor Vehicles, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Consider reaching out to the California Department of Consumer Affairs for guidance. You might also want to consult with consumer protection attorney who handles auto fraud cases - many offer free initial consultations and can help determine if you have grounds for legal action under state or federal truth-in-lending laws.
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