Complaints

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• Initial Complaint

  Date:06/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against **** ****, who owns both My Value Cars (the dealership) and Auto Lending Finance (the lender), for breach of contract, unethical lending practices, and a wrongful *************** July 2024, I purchased a dodge ram 1500 truck from My Value Cars, under the condition that the A/C system which was non-functioning at the time of purchase would be repaired. This promise was part of the sale and considered essential to our agreement.Despite months of repeated follow-up, the repair was never completed. **** ****, who acted as both the seller and the lender, continued to delay or ignore the issue. Eight months later, the A/C remains broken.Due to this ongoing breach of contract, I paused payments through Auto Lending Finance while seeking legal counsel. At no point was there an attempt by Mr. **** to resolve the core issue or formally address the contractual breach.Then, without any formal notice or third-party involvement, **** **** personally repossessed the vehicle despite being the one in violation of the contract. This was a clear abuse of his dual roles and a deceptive tactic that left us without transportation or resolution.**** Dotys operation as both dealer and lender appears to be self-serving, unethical, and possibly predatory, using his control of both businesses to silence customer complaints and retaliate when held accountable.I am seeking one of the following:A full refund of all payments made to Auto Lending Finance A formal investigation into the business practices of both companies financial compensation for its loss and related damages I also believe this complaint should be made public, as **** Dotys actions are not only unprofessional but may be legally actionable. This situation has caused undue stress, financial harm, and a complete loss of trust in both businesses he operates.

  Business Response

  Date: 06/17/2025

  Response to Complaint by Mr. Timothy Owens
  Business: My Value Car Rentals / Auto Lending Finance
  Date: 06/17/2025

  We are responding to the complaint filed by Mr. Timothy Owens regarding
  his 2006 Dodge Ram 1500 and his account with Auto Lending Finance. Below is a
  summary of the events from our perspective, along with a response to the claims
  made.
  
  Vehicle Purchase and Warranty Repairs
  (Warranty: 3 months or 3,000 miles)

  Mr. Owens purchased a 2006 Dodge Ram 1500 from My Value Car Rentals on August 22, 2024. Throughout the course of his ownership, we performed
  extensive repairs, many beyond the warranty terms, at no cost to him. These
  included:

  September 5, 2024: Vehicle brought in for A/C
  concerns and an alignment. Both issues were repaired and a complimentary
  loaner vehicle was provided.
  
  October 25, 2024: Vehicle returned for an engine
  misfire. Our mechanic disassembled and rebuilt the engine. Mr. Owens was
  provided with a free loaner during the entire repair period. That loaner
  was returned with damage that Mr. Owens did not pay for.
  December 9, 2024: Vehicle brought back for
  running rough. Review of mileage showed Mr. Owens had exceeded his
  warranty (he had reportedly taken a trip to Portland, Maine, logging over
  3,500 miles). Despite this, we replaced the engine entirely at no charge.
  Another complimentary loaner was issued, which was also returned damaged,
  and again no reimbursement was made.

  March 10, 2025: A/C reported blowing warm. We
  replaced the blower motor and recharged the system.

  March 20, 2025: Passenger side A/C issue
  reported. An HVAC control head unit was ordered

  March 31, 2025: Part was installed but failed
  to work. A replacement was ordered from a different supplier.

  May 30, 2025: Mr. Owens was contacted to let
  him know the new part had arrived and was ready for installation. He
  declined the repair via email.

  At no point during this time was Mr. Owens without a vehicle. He was
  provided a loaner during each service visit. Notably, two of those loaners were
  returned with damage that Mr. Owens acknowledged, but asked us not to report to
  his insurance. We did not pursue the matter further, nor did we withhold
  vehicle service due to the damages.
  
  Financing and Business Separation
  My Value Car Rentals is the dealership that sold the vehicle to Mr. Owens. Auto Lending
  Finance is the independent licensed finance company that provided financing
  for the vehicle. Mr. Owens states he stopped making loan payments due to a
  "breach of contract." However, Auto Lending Finance was not involved
  in any warranty repair decisions, nor was it in breach of its contractual
  agreement.

  The only agreement between Mr. Owens and Auto Lending Finance is
  the vehicle finance contract. Mr. Owens was responsible for making his monthly
  loan payments under the terms of that agreement.

  My Value Car Rentals for its part, upheld its obligations and even went beyond them, repairing
  the vehicle outside the warranty period and providing free loaner cars, which
  were not required by the warranty. We find no evidence or basis for a breach of
  contract.
  
  Repossession
  At the time of repossession, Mr. Owens’ loan was in default.
  Additionally, he had removed the license plate from the Dodge Ram and
  transferred it to another vehicle purchased from a different dealer, further
  indicating he had moved on from the vehicle.
  The repossession was carried out by Auto Lending Finance only after
  standard procedures were followed and all other options had been exhausted. The
  vehicle had been left with the battery and the plate removed—indications of
  abandonment. These actions were documented.
  
  Allegations of Misconduct
  Mr. Owens' allegations that Mr. Josh Doty acted unethically or predatory
  are false. Mr. Doty did not sell the vehicle but, as the owner, worked directly
  with Mr. Owens to ensure the warranty was honored. Mr. Doty's involvement with
  the lending side was limited to his role as a representative of Auto Lending
  Finance, enforcing the terms of the finance agreement.
  
  In Summary
  * Mr. Owens received multiple major
  repairs at no cost, including a full engine replacement, even after the
  warranty expired.
  * He was never without a
  vehicle while repairs were ongoing.
  * Two loaner vehicles were returned
  damaged without reimbursement.
  * He defaulted on his auto loan and
  ceased communication.
  * He removed the license plate from
  the truck and placed it on another vehicle.
  * The repossession occurred only
  after the loan was delinquent and standard procedures were followed.

  Despite these circumstances, My Value Car Rentals and Auto
  Lending Finance acted in good faith throughout the process, and repeatedly
  went above and beyond to support Mr. Owens both mechanically and financially.
  
  We respectfully request that this complaint be reviewed in full context.
  We also ask that Mr. Owens uphold his responsibility to reimburse us for
  damages to the two loaner vehicles. If he would prefer to go through his
  insurance company, we are happy to provide damage photos and repair invoices. 

  We remain committed to ethical, transparent, and customer-first practices
  and appreciate the opportunity to present our side of the story.

  Sincerely,
  Jackie Doty
  Admin
  My Value Car Rentals
  ?? (941) 786-9230
  ?? [email protected]
  

  
  

  Customer Answer

  Date: 06/20/2025

   
  Complaint: 23446094
  
  I am rejecting this response because:

  1. Condition of the Vehicle & Repair History
  Purchased on August 7, 2024, the truck immediately presented mechanical issues, starting with a non-functioning A/C system. Over the next nine months, the vehicle spent approximately 80% of the time in the dealers shop for multiple repairs.
  This included three engine replacements, all due to mechanical failure. These repairs, though described as goodwill by the business, were in fact necessary to make the truck roadworthy and were covered under warranty or related obligations.
  The A/C system remained non-functional throughout the entire ownership period despite repeated attempts by the dealership to fix or rig it, with no lasting resolution.
  
  ?
  
  2. Loan Status & Alleged Default
  Due to constant repair-related downtime, the business voluntarily deferred multiple payments, which their records will reflect.
  After continued unresolved issues, including the third engine failure and no A/C, we informed the business that we were seeking legal advice and paused payment accordingly.
  This was not abandonment or ghosting. We kept communication open, and our contact information never changed.
  Importantly, no Right-to-Cure letter or formal notice of default was ever issued before the repossession on June 19, 2025, in violation of the finance contract and Florida Statute 537.012.
  
  ?
  
  3. Abandonment Narrative
  The truck was parked in our fenced-in yard with the battery disconnected (due to ongoing repair issues).
  We temporarily moved the plate to another vehicle out of necessity not to abandon the truck, but to maintain access to transportation for work while we awaited legal guidance.
  The lender knew exactly where the vehicle was, had full access to us, and was never blocked from communication.
  
  ?
  
  4. Loaner-Vehicle Claims & Out-of-Pocket Costs
  While the business did provide some loaners, their statement that we were never without a vehicle is false.
  On multiple occasions, my husband had to miss work entirely or pay out-of-pocket to rent trucks for his business including rentals from ********** and Enterprise.
  These additional financial burdens were a direct result of the dealers failure to maintain the vehicle in working order or provide consistent alternatives.
  Additionally, no damage claim forms, written loaner agreements, or insurance involvement was initiated by the business regarding alleged loaner damage. We were never notified formally nor given a chance to respond or dispute before it was brought up in their BBB reply.
  
  ?
  
  5. Misrepresentation by Mr. **** & In-House Financing
  After repeated breakdowns, we asked Mr. **** **** directly about swapping the truck for a different one. He claimed they could not due to negative equity and stated that in-house financing was no longer offered.
  However, a large sign on the dealership still advertised in-house financing, and public records show Mr. **** is listed as principal of Auto Lending Finance confirming that they do in fact finance in-house.
  The only option they offered us was a trade-in vehicle in unsafe, poor condition, which we declined.
  
  ?
  
  6. Communication Record
  Contrary to their claim, we did not cease communication. Our final contact attempts were made in mid-June 2025, just days before the vehicle was repossessed.
  We remained open and available throughout, with no attempts by the business to formally resolve the matter before repossessing the truck.

  We are committed to resolving this in good faith but will pursue further legal remedies under the Florida Consumer Collection Practices Act (FCCPA) and Uniform Commercial Code if needed.
  Sincerely,
  
  ******* *****, **** ******* *****