Drive Financial review: Drive Financial Fraudulent Financing 5

I submitted an electronic/online credit application with an auto dealership listing my social security disability and child support payments as my only sources of income. At the dealership they asked me about my former employer such as the number, my former supervisor's name and they even asked if I knew someone at the company that would lie for me and state that I stilled worked for the company and I flat out said NO, not knowing that they would later resubmit my online application adding the employment information and a whooping $2200 a month salary on top of my disability and child support payments and this was all done without my permission so that I could get financed as I found out 8 months later. On the day I visited the auto dealership they submitted my application to several auto financing companies while I was there and the salesman told me that they were having a hard time finding a company to finance me because my credit was so bad...probably due to my divorce. I was told that I could take the vehicle home and that they would call me back to sign the paperwork once they had found a company to finance me...yeah right, they already knew who they were going to send me to for financing...the highest interest rate bearing finance company in the U.S... DRIVE FINANCIAL. About a week after taking the vehicle, I received a call from Drive Financial and they asked me about my down payment amount and then verified my address, phone number etc. but they never verified my source of income...which was no big deal to me as the verification call was being recorded. I was called back to the dealership to sign the papers backdated to the date I drove the vehicle off the lot and when I saw the high interest rate I was in shock and when I asked why the interest rate was so high the finance manager said that it was due to an acquisition fee...I thought that since I had taken the vehicle I had no choice but to agree to the terms. I am paying a total of $33, 000 for a 2008 Hyundai Accent that cost me $13, 000 with a trade-in and down payment and the vehicle is now worth $8, 000...you do the math. Also, the auto dealership committed fraud and forgery by resubmitting my electronic application with the employment information they received from Drive Financial, since they do this all the time they were smart enough to not call the vendor used to verify my employment and salary history called "the Work Number, because the Work Number would have them listed on my data report as an organization that verified my employment/salary history thereby aiding in the deception. Drive Financial did the dirty work and not only that but if Drive financial approved financing for me based on the income amount listed on the credit application do they not need proof of said income? When Drive called "the Work Number" (3 times within a 5 day period) they were notified that I no longer worked for the company even so, the vendor was still able to provide them with my start date and end date with the former company (aiding in the fraud) listed on the resubmitted credit application, Driver was not given any salary information which is why the monthly salary listed on the resubmitted application is incorrect. I did not provide the dealership with a copy of a current paystub because naturally, I did not have one, the only proof of income I provided to the auto dealership was a copy of my disability and child support award letters... my actual income. Basically, Drive Financial and this auto dealership and the auto dealerships associated with this one do a lot of business together ... for financial gain on both ends. Drive knew that my monthly income was only $2400 but yet they still financed me based on the unverifiable income amount listed on the credit application $4200. If I made $4200 a month I could make the payment of $388 a month for 72 months with no problem but as it is, I only get $2250 a month and occasional child support of $230 a month and if Drive Financial is doing this to others than that is probably why so many individuals are getting their autos repossessed by Drive Financial...we are being financed on inflated income amounts, Drive could not justify financing us if they were based on our actual income and not false or inflated incomes. If anyone out there has been denied financing by Drive Financial or RoadLoans and the principle reason for your denial was "did not meet the minimum income requirement" and your monthly income was anywhere between $2200 and $2500 a month we might have a class action lawsuit against them. Also, If we can prove that Drive Financial engages in predatory lending to women, disabled, minorities, or low income individuals that could also generate a class action lawsuit because the more we know the better. I implore anyone submitting an electronic/online credit application that if the dealership does not send you a copy/receipt of the credit application you submitted online please, make a print screen or copy for your records because had I done so, they would not have able to commit electronic forgery and fraud. Lastly, if anyone in the chicagoland area purchased a vehicle auto Family Hyundai, World Hyundai, Bob Watson, or Watson Motorsport you might want to request a copy of your credit application to make sure they did not inflate your down payment or income amount or even your employment history in order to get you financed. I believe I can prove damage because this fraudulent act has caused me to suffer economic harm which could led me to the loss or a repossession because I did not financially qualify for the vehicle based on the financial qualifications I provided it was all based on fraudulent unverified income.