Am I being petty ?

[u/Itshouldbeeasier9585]

My husband and I own a small business and have used the same fleet salesman at the same dealership for over 10 years. In January 2025 we signed the lease on my new personal vehicle. Same lender we always use, autopay setup immediately as usual. Yesterday we get a call from the collections department of our lender, we have over $200 in late payments plus $80 in late fees. After some back and forth with the lender and calling our sales guy, turns out the finance guy didn’t input the correct sales tax. Apparently sales tax changed Jan 1st of 2025, we signed Jan 9th 2025. The discrepancy in sales tax made our payment about $15 more than the lease agreement we signed. I always opt for paperless billing and we have had no clue about the monthly $15 underpayment, until the phone call yesterday. I’m refusing to pay the late payments and late fees. It’s purely principle for me at this point and I believe the dealership should cover it, plus cut me a check covering the discrepancy for the remainder of the lease. Am I being unreasonable?

[u/Micosilver]

You can be upset at the dealer, but in my opinion - the lender is at fault. They accepted the contract, and they failed to notify you for months while they knew about the discrepancy. Once the dealer gets the contract funded - they have limited visibility into your lease.

[u/redvines_1 → u/Micosilver]

I can’t believe the lender funded it with incorrect tax honestly.

[u/Grandpas_Spells → u/Micosilver]

Highly likely the emailed statements pointed this out starting from month 1.

I'd review the original paperwork. I find it unlikely the lender funded a deal with the incorrect tax. That's all computerized.

[u/tatersellscars → u/Micosilver]

Ask to see the signed contract showing the higher payments. Monthly payments don’t just change after you’ve signed. The dealership must of had a resign. If the resigned without you ask for more than the discrepancy.

[u/Micosilver → u/tatersellscars]

Monthly lease payments do change if the tax rate changes, it happens all the time.

[u/GatorWok → u/tatersellscars]

Must have

I can never let this go on Reddit.

[u/DavefromCA]

R/legaladvice

Is say they have a right to recoup what they missed out on and make the payment right going forward.

[u/Vegaskwn → u/DavefromCA]

This ⬆️ Yes it’s dealers fault, yes it sucks, and id be irritated too but at the end of the day its the government you owe the money to and with it bring this far into it they won’t be able to do anything to adjust the payment to make it right. Crazy how long it took you to find out about it though for sure..

[u/ryangilliss]

I'm guessing you set up your autopay for a fixed amount as opposed to the total due for the period

[u/trentthesquirrel]

Yeah, this is on the lender for accepting the contract and not kicking it back to the dealership to correct with you.

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Thanks for posting, /u/Itshouldbeeasier9585! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of anything.

My husband and I own a small business and have used the same fleet salesman at the same dealership for over 10 years. In January 2025 we signed the lease on my new personal vehicle. Same lender we always use, autopay setup immediately as usual. Yesterday we get a call from the collections department of our lender, we have over $200 in late payments plus $80 in late fees. After some back and forth with the lender and calling our sales guy, turns out the finance guy didn’t input the correct sales tax. Apparently sales tax changed Jan 1st of 2025, we signed Jan 9th 2025. The discrepancy in sales tax made our payment about $15 more than the lease agreement we signed. I always opt for paperless billing and we have had no clue about the monthly $15 underpayment, until the phone call yesterday. I’m refusing to pay the late payments and late fees. It’s purely principle for me at this point and I believe the dealership should cover it, plus cut me a check covering the discrepancy for the remainder of the lease. Am I being unreasonable?

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.