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The Ford Dealer Is Charging Me $1,300 To Fix A 2022 Explorer I Took On A Test Drive That I Don’t Even Own

Kaelyn is a young mom looking for an SUV to accommodate her growing family. So, she went to a Ford dealer to trade her car in and test drive a Ford Explorer. She's heard they make a great family car. However, her test drive turns into a nightmare. 
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Some car dealers are pulling a fast one on potential car buyers. Is it a scam or a shady business practice?

Imagine going into a car dealer to buy a larger vehicle for your family. You are a young mom with a new baby and you've grown out of your 2018 Ford Focus. It's been a reliable and fuel-efficient car, but it's now too small.

So, on a Saturday, you drive your Focus to the nearest Ford dealer to check out a new Ford Explorer. As you drive to the grocery store, you've seen the SUVs on the lot and heard they are good vehicles for families.

As she recounts in her TikTok clip, Kaelyn (@kaelyng23) did that. However, her test drive of a Ford Explorer turns into a nightmare. 

She says, "I test-drove the 2022 Ford Explorer, took it home for the weekend, and the A/C stopped working. Now, the Ford dealer says I must pay $1,300 to get the A/C unit fixed on a vehicle I don't own."

Imagine her dilemma.   

When she gets to the dealer, they show her the new 2025 Ford Explorer and of course she loves it. However, when they tell her the price, ($42,000) she realized it's out of her reach. So, the nice salesperson shows her a 2022 Explorer with 39,000 miles on it. The price is $29,000 and this is in Kaelyn's price range and fits her budget. 

Next, she takes the SUV out on a short test drive, and likes the vehicle. It has three rows for her growing family, drives well, and she wants to buy it. However, Kaelyn wants her husband to check it out first, and he's working today. 

The salesperson says, "No problem. You can take the vehicle home over the weekend and bring it back on Tuesday after you and your husband have driven it and looked it over." 

Kaelyn thinks it's a great idea. 

The salesperson says, "OK, first we need you to fill out a 'pre-approval' application, so we can see if you qualify for a loan on the Explorer. She doesn't think this is a problem, so Kaelyn fills out the paperwork. 

The salesperson says, "If you and your husband decide to keep the car, and the financing app has already been approved, it will save you time if you decide to buy it."

She says okay

The salesperson says, "Leave your Ford Focus keys. We will lock it up and keep it safe here for you. If you decide to keep the Explorer, we will take it in on trade." 

Satisfied with the Ford salesperson's explanation, Kaelyn leaves her Ford Focus with the dealership, gets in the Explorer, and drives home. 

It's a warm day, so as she's driving home, she turns on the A/C to keep her baby cool. While she's driving, she hears a sound from the front of the car, and notices that the cold air coming out of the vent turns warm and the air conditioner stops working. 

Thankfully, she's almost home, and her baby needs to be fed. Kaelyn pulls into the driveway and turns off the car. When her husband gets home, he looks at the Explorer, and sure enough, there is a problem with the vehicle's A/C. It's not working.

Here is what Kaelyn says, 

"So I emailed them, I texted them, everything, telling them the A/C just quit working," she recounts. "They're like, 'OK, bring it on Monday when we're open.'"

The salesperson then tells her she must pay to get the A/C fixed because she owns the Explorer now. 

"I said no," Kaelyn recalls. "Give me my old car back because I am not paying for a car that I haven't even bought."

"And he's like, 'Well, you have a loan on it,' Kaelyn continues. "I'm like, No, you've made me get pre-approved so I could take it home this weekend, and you said you are not going to submit it to the bank unless I don't bring the car back."

In her TikTok video, she says that when she insisted that she get her Ford Focus back, she was told, "That's not how it works." 

What Happened To Kaelyn is called a "Spot Delivery."

Capital One says that when a car dealership allows you to take a car home for a test drive and then asks for pre-approval for a loan, it's often referred to as "spot delivery" or sometimes "yo-yo financing". This practice is common in car dealerships where they aim to expedite the sales process, especially if you can't purchase the car and need someone else to look at the vehicle, like Kaelyn.

RCB Bank mentions "yo-yo financing" as a term used to describe spot delivery, where the dealer may initially offer favorable loan terms that are later changed after the customer drives the car off the lot. 

Potential Issues: 

While spot delivery is not always a scam, however, what happened to Kaelyn sounds like they were trying to pull a fast one on her. They did not tell her that she had actually purchased the 2022 Ford Explorer as soon as the approval for the financing came through. 

While we don't know what "deal" she signed with the Food dealer, she was not aware of the details of the paperwork and "pre-approval" agreements she signed. 

Bankrate says, "Here's where you need to watch out for common car-buying mistakes. Some dealers may sneak in a clause that says your purchase is "pending approval" — and may still be up for change."

"While this practice is common and not automatically a red flag, it can set you up for yo-yo financing. In this situation, the dealer may approve you for a low rate and then change the terms of your auto loan once you drive off the lot. If you run into any auto buying scam, your best bet is to walk away and find a better dealership to buy from."

Conclusion

Unfortunately, Kaelyn did not carefully review the "pre-approval" contract and was unaware of the clause that made the sale final after the bank approved the loan. 

"They're just holding my car hostage, I guess," she concludes. She states, "I don't even want the car now, and I'm wondering how to get my old car back."

Have you had a similar experience at a car dealer? If so, click the red Add New Comment link below and let us know.

Check out my 2025 Ford Explorer storyMy 2025 Ford Explorer Won’t Start 3,000 Miles In, After Two Weeks the Dealer Still Doesn’t Know What’s Wrong, Should I Keep It Until They Lemon Law It?

I am Denis Flierl, a Senior Torque News Reporter since 2012. My 30+ year tenure in the automotive industry, initially in a consulting role with every major car brand and later as a freelance journalist test-driving new vehicles, has equipped me with a wealth of knowledge. I specialize in reporting the latest automotive news and providing expert analysis on Subaru, which you'll find here, ensuring that you, as a reader, are always well-informed and up-to-date. Follow me on my X SubaruReportAll Subaru, WRXSTI, @DenisFlierlFacebook, and Instagram.

Photo credit: Denis Flierl via Kaelyn

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Comments

Jay Myer (not verified)    May 25, 2025 - 12:26PM

1. Personally, I would not buy a 2022 Ford Explorer. It has very low ratings for Customer Satisfaction. The 2025 big Consumer Reports owner survey reports that owner satisfaction for a 2022 Explorer is 2 out of 5. Kelly Blue Book also reports a low level of Consumer Satisfaction.

2. We need to know more about what the sales people actually said said to Kaelyn. Those facts are extremely important on the issue of whether there was either misrepresentation, fraud, or a material nondisclosure.

3. If those additional facts favor Kaelyn, she should be able to get her money and car back. A very good lawyer could make that happen fairly quickly. Unfortunately a very good lawyer would, understandably, charge much more than the $1300 cost of repair.

4. Even a lawyer of average skills would likely charge more than $1300.

5. The remaining options are for Kaelyn to take her good efforts on social media to a higher level and also to continue to call and visit the head of the dealership. Kaelyn’s truthful actions should eventually prompt the dealership on its own to see that negative publicity will likely cost the dealership much more than the cost of undoing Kaelyn’s transaction.

David Hollenshead (not verified)    May 27, 2025 - 12:14PM

In reply to by Jay Myer (not verified)

I wouldn't go by Consumers Reports as they called the Honda Passport a "best buy" and the Isuzu Rodeo a "worst buy" back when all Passports were made at the Isuzu plant and only differed in available paint colors, interior fabric and tires...
With that said, I wouldn't buy anything that comes with an automatic transmission, especially the Constantly Variable Transmissions by the Import Automakers...
The real issue here is that a dealership is trying to force a young buyer into a sale. I had that happen three times, once by a dealership, once by a private seller and once by a criminal using Craig's list to defraud people. In the first case, the car I test drove was totaled and pulling hard to the left due to a bent uni-body. It turned out that that dealer didn't even own the car it was trying to sell to me. The second was a standard shift GM van that needed a new transmission & linkage which locked up by going into reverse & first gear at the same time during a three point turn. The last was an Audi 4000 Quattro that had a bad wiring harness and its battery was charged just before the test drive. I noticed that none of the gauges worked and with the pushy selling in the passenger seat, I walked away & took a cab to back to my car when it died in an intersection, would not crank over, and had a burning smell and was leaking coolant because the Cooling fan didn't have enough power from the battery to cool the engine...
The moral of the story is that the dealership in this story needs to be investigated and loose their licence, or at least be shamed online for their attempt to force a young buyer into buying a car that they should have sent to the Wholesale Auction...

Dale b (not verified)    May 29, 2025 - 6:01PM

In reply to by David Hollenshead (not verified)

For clarity only the name is the same. The old & new Passports are totally different vehicles. (And neither one has or had a CVT.)
The 'new' one came out with a 9 speed transmission and in 2025 a 10 speed. Built
on the same chassis as the Pilot and with the same 3.5 V6.
The original was an Isuzu with a Honda badge. Without Honda reliability. It provided Honda with a gap filler to expand
it's market coverage. Not the smartest decision.

Tim Edwards (not verified)    May 27, 2025 - 8:42PM

In reply to by DANIEL SMITH (not verified)

I don't think you actually read the article. She was shown a 2025 Ford Explorer first, but could not afford it so she was then shown a 2022 Ford Explorer that was in her price range, which is the car that she then took home for the weekend.

Michael (not verified)    May 29, 2025 - 2:12AM

In reply to by Michael (not verified)

Unless the car had an extended warranty or was refurbished to include a warranty, then it was no longer under factory warranty.

Fords factory warranty is 3 years and 36,000 miles. Car she drove had 39,000 so no longer under factory warranty.

Patti (not verified)    May 28, 2025 - 12:12AM

In reply to by Jay Myer (not verified)

My daughter had a similar experience. Her car was totaled in an accident, so she needed to get a new car. She went to a big dealership in the area, and they pulled the same crap. They said drive it home and if you decide you dont want to buy it, bring it in tomorrow. Of course, they made her sign papers, and shadily rushed her while signing and pulled papers from her and put them at the bottom of their pile without allowing her to read them. The next morning, I went with her to return the car. The person there admits he told her she could return the vehicle but unfortunately his manager overrode him, and she now has to keep the car. It took us hours of arguing, my daughter crying, and us threatening to tell all their customers there on a very busy Saturday the way they conduct business. After several hours, they finally relented and tore up the paperwork. I need to go buy a car soon, but worried these dealers will try to take advantage of me as well. I dont understand why car dealers are allowed to conduct business in such shady, deceitful ways. The prices should be advertised and the cars should be marked with the price as well. They shouldn't be able to add on all kinds of bogus fees . Should be simply car price-down payment, trade in+ tax title license and doc fee. That dealer also asked if she wanted some sort of paint protection, she said NO. They said too bad because they automatically put that protection on when they receive the car. If that is the case, it should have already been included in their asking price!

Michael Basco (not verified)    May 28, 2025 - 2:05AM

In reply to by Jay Myer (not verified)

Crazy thing I wanted to point out is that normally a "Test Drive", is just that. You take the car out for a quick 10-15 minute drive. So how is it that she took it home for the weekend?? I've been car shopping a lot in the last 8 years, and never has a dealership gave me the option to take the car home for the weekend. If they had, offered it would've been weird and I would've told them no, cause I'm not leaving my car on their lot.

CPall (not verified)    May 31, 2025 - 2:12AM

In reply to by Michael Basco (not verified)

I've never bought a car, new from showroom, that I didn't drive for days, not minutes. I've only had one guy tell us no, later that evening, car was delivered to our home to use as needed for 4 days (manager intervened)

Yodan gerard (not verified)    May 28, 2025 - 9:16AM

In reply to by Jay Myer (not verified)

Personality I don't like to tar all with the same brush, however I old enough to tell you that " whenever you go to a vehicle dealership, take the be aware stance. It's like Safari hunt..you know what animal you are hunting but be aware of the many wild animals around can kill you. Especially Ford Dealerships. If you see a successful dealership you see a red flag. Most likely there will be numerous complaints against them.
Two areas of business you are surely to be vulnerable..one is car dealerships and 2.. law offices; they are both legal ways to screw you.

Richard (not verified)    May 28, 2025 - 8:41PM

In reply to by Jay Myer (not verified)

She needs to also file an official complaint with her local Dept of Consumer Protection Affairs in her city or county where the vehicle was purchased and send them all your documentation and any email corespondences with them and they will investigate. My wife and I had to do such for a vehicle that we purchased over a year ago from a used car dealership which showed a set price $15,888 for the vehicle on their website and also from an external auto listing one listing vehicles. In the end of signing the vehicle was listed as sold but for about $10k more and I confronted the guy. Originally we wanted to pay all cash but where told no because it was a repo previously but found out thru sources this is not so and anyone can pay whichever form they wish. Dealership wanted to finance half of it. My wife had very good credit and said that she wanted to use chase bank but was strange that the finance manager of dealership said it was not approved and had to use Wells Fargo. I believe there is a secret incentive with this banking institution and them which is shady and Wells Fargo been accused of several things in the past. We expected to finance only the $5k difference plus taxes, fees and a $3480 service warranty. In the end it was a $19k finance through them. We didn't understand what happened to the $10k we put down. It just didn't add up so we filed with the the County Department of consumer protection. They investigated and we got back $3480 for the warranty which was supposed to be cancelled by them which wasn't and we actually got back an additional $2500 left on the warranty because they failed to cancel it themselves and a penalty of $2000 which they were ordered to pay. We put everything towards the balance of the financing which came close to about what we expected to pay for the vehicle if we were paying full cash and paid off the loan immediately. There were also many complaints online already with similar cases with this dealership. What helped my Case out was also the external website which they initially posted on with original price was nice to send me via email the original price which they paid for to advertise. I suggest using a credit union or use your own bank instead and insist on it or walk away. Use Cash and don't take any krap about that there is a requirement to be able to finance half because it not so. Hope this helps and many others planning to buy.

Mdb444 (not verified)    May 26, 2025 - 12:35AM

Obviously the standard advice of actually reading everything you sign is important, but unfortunately when it comes to contracts they are specifically designed to take advantage of people who are not familiar with contract law or legal jargon(ie most people).

In cases like this it simply makes no sense to sign anything to take a test drive. Certainly nothing with any fine print. Whether it be "pre-approval" or anything else.

Ed nuccio (not verified)    May 27, 2025 - 7:24AM

In reply to by Mdb444 (not verified)

I spent 24 years in retail automotive, there is a little known thing called first payment default. If this happens leave the car on the dealers lot,call the lender let them know you left it on the lot and are not making your first loan payment. And the reason why. That voids the contract and the dealer now has ownership of that vehicle again.

John Miller (not verified)    May 27, 2025 - 9:50PM

In reply to by Ed nuccio (not verified)

Any missed payment breaches the contract in which a party agreed to make payments. It doesn’t release the buyer from the commitment.
What you’re referring to is an implied warranty of merchantability issue and it varies from state to state.
In this case, the legal argument is an unconscionable contract, and failing that, lemon laws, both of which vary from state to state.

Greg Weston (not verified)    May 26, 2025 - 1:29AM

I drove Fords 35 years for work, convinced me to never buy one. Biggest mistake going to Ford dealership especially to buy Ford Exploder.

Alan (not verified)    May 26, 2025 - 3:31AM

"Unfortunately, Kaelyn did not carefully review the "pre-approval" contract and was not aware of the clause that made the sale final as soon as the loan was approved with the bank."

Not only did the beginning of the article repeat itself like three times with a bunch of filler text, but rather than chastising the dealership and their shady practices, blame was placed squarely on Kaelyn, as if she did something that was completely against all common sense. And on top of that, the basis for the article is purely second-hand information, i.e. a TikTok video, and doesn't even attempt to interview the subject. While the insight into shady dealership finance tactics is appreciated, there's a tasteful way to explain these details, and this clearly missed the mark. It's genuinely baffling how low the bar for journalism has become, but none more baffling than how low the bar is for the editor, it seems (assuming Torquenews does have an editor).

Ghost (not verified)    May 27, 2025 - 5:06PM

In reply to by Alan (not verified)

The author didn't get the dealership's side of the story so why would the author blame the dealer without the full story? The author can blame the mom because she signed something without reading - an act that resulted in consequences.

The lesson from thelis article is personal accountability... not that dealers are bad. It does not do any good for the reader to learn that dealers are bad because it's nothing that a reader has any control over. However, readers do have control over what they sign.