A woman from San Antonio has called the Jeep Wrangler the car of her dreams. So you can imagine her joy at owning one, only to feel her pain and despair as she was told that the best car she had ever had, her Wrangler, was taken from her.
TikTok user Nelly (@nel.9) filmed herself in a recent video, clearing her belongings out of the SUV and not happy at having had to do so. This, however, wasn’t due to her having missed a payment or being unable to afford the car.
In her video, Nelly said that the dealership had got in touch after she had cancelled a refinance for the car in June after the paperwork had worn her down. She thought that was the end of it, and she was happy to carry on with her payments for the SUV.
So Nelly had quite a shock when she logged into her account to make her monthly payment, only to see that the dealership had paid the entire loan off. She knew that couldn’t have been a goodwill gesture, so after over two hours trying to get in touch, she finally got some answers.
What Happened to Nelly and Her Jeep Wrangler?
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In early June, Nelly said that she went to refinance the car as her rates had dropped. “I was like, why not, let’s do it,” she said in her video. However, two weeks into the process, she said the paperwork had worn her down so much that she decided to pull out of the refinancing. “They’re always calling me like, hey, actually we need this, we need that, and I grew tired of it,” she said.
About a month later, Nelly logged into her dealership account to make her monthly payment on the Jeep. So you can imagine the shock she had when she saw the dealership had paid off the loan. “They are technically now the owners of my Jeep,” Nelly said on TikTok. What made things worse was that it took over two hours for her to get to see the manager of the dealership.
“They kept saying the manager is busy,” said Nelly. When the dealership finally met with her, it turned out a clerk had paid off the loan by mistake. The fix on offer was a new loan, this time with $3,000 knocked off and a lower APR. Nelly turned the offer down, as she was fed up with the situation and decided the dealership could keep the car. “I refuse to continue doing business with this type of dealership,” she added in her video.
Did the Dealership Really Own Her Car?
Some people who watched her video said that the dealership hadn’t become the owner of her car. The car, as she is in Texas, should be titled in Nelly’s name. Even if the dealership had paid off the remainder of her loan. The title, when the lien is released, goes to the registered owner and not to whoever sent the money to pay it off. Ownership transfer happens via a separate act.
This raises the question as to whether Nelly had signed another document that transferred ownership to the dealership. During the two weeks she tried to refinance the car, a document she submitted may have changed the ownership. Some said that the offer from the dealership was a tell, and suggested they didn’t own the Jeep Wrangler and had admitted to messing up. Either way, Nelly was not happy about the situation.