Listed price of a car is is lower than on a contract.

Question

On the ad, the dealer listed price of a used car $13,495. 
 
Upon visiting, the dealer told me that I could not get the same price on cash and that the cash price was $16,495. But if I do the financing, I'll get a discount of $3,000, and my MSRP would be $13,495. I kept asking the dealer about the breakdown, but he kept mentioning it that I'll get the contract from the bank. I took the car on 10/19. I did a rough calculation on a paper with the salesman to ensure my understanding is correct, and below was the breakdown that I drew.  
MSRP 13,495 
Advance -7,000 
Tax and document charges 1,500 + 500 
Net finance amount $8,500 approx  
 
Three weeks later, I got a mail from bank where I got my account ID. I signed up and  found that the financed amount is $17,260.  
 
I called the bank and requested the contract. The contract breakdown amount is 
Cash price of vehicle 18,995 
Advance -7000 
Sales tax 1,496 
Unpaid balance 13,491 
Filing fee 171 
2 years warranty 3,000 
Document 598

Melissa Totaro · Answer

Assuming the facts stated in your question can be proven the dealer violated New Jersey regulations and Consumer Fraud Act by, among other things, refusing to honor the advertised price.  A consumer who suffers a monetary loss as a result of a business violating the Act can sue the business for triple damages, plus attorneys fees.   Because of this fee shifting element of the Act  consumer law attorneys will often represent consumers on a contingency basis.   You should contact a consumer law attorney and arrange to provide a copy of the advertisement and all documents you have related to the transaction.

Q: Listed price of a car is is lower than on a contract.