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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.'"

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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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Jesse (not verified)    May 26, 2025 - 7:42AM

This happened to my daughter a few years back.
At 19 She wanted to get something more fuel efficient then the Explorer I got her at age 16.

She found a pre-owned Focus at our local Ford dealership. She wanted me to check it out but I was at work so the dealer pulled her credit to make sure she would qualify and they got her pre-approved for the car and let her take it home so I could look it over.
(She left (my) Explorer there and drove the Focus home to show me)
She liked the car and it checked out good on the Carfax and autochex reports so I was good with it. It was also priced right...BUT the ac wasn't cooling correctly. I told her to have them agree to fix the ac before signing the final papers.

She went back the following day and told her salesman that she will buy the car but they needed to fix the ac first.

He looked at her and said "young lady, you already own the car" it's your car now. You were approved for the loan this morning.
She immediately called me and told me what they said.
I confirmed that they took advantage of her being nieve and a first time buyer, she was told she needed to sign all these papers just to bring the car home to show me the car.

Salesman told her she bought a used car without a warranty so she would have to pay to have the ac fixed.
Salesman also demanded my daughter bring them the title to the Explorer. An Explorer that wasn't being traded in as it was titled to me (Dad)

I told my daughter to get her Explorer back and come home. We will find her another car. She tried and the salesman refused to give her the keys to the Explorer. He then got smart with her telling her that "buyers remorse doesn't work around here"

After work I went down there to get MY Explorer back and the salesman refused to give me the key saying that she traded the Explorer in. I made sure he knew that she did not trade in a vehicle she doesn't own. This salesman basically took full advantage of a 19 year old buying and financing her first car on her own. Not to mention only gave her $500 for a low mileage 4 year old Explorer on trade. My daughter said they never talked about the Explorer because she told the salesman that it was her dad's vehicle.

I called my lawyer. He contacted the owner of the dealership and within 4 hours they were calling her asking her what she wanted to do to move forward.
They offered to kill the deal and she could come get the Explorer. They offered to fix the ac free of charge. They offered her 12 months of free oil changes. They offered her a 24 month, 24k mile bumper to bumper warranty on the car if she kept the Focus.

She decided to keep the Focus. They fixed the ac and gave her the 24k mile warranty on the car free.
They also brought my Explorer to the house while I was working.

The owner of the dealership ended up calling me directly and apologized for his salesmans tactics and assured me it was being addressed harshly. I think they let him go as we never saw him working there again after that.
It ended up working out ok in the end, especially with her getting the extended warranty for free. It needed a transmission replacement like 9000 mile later. All covered under warranty.

Keith Daniel (not verified)    May 26, 2025 - 8:06AM

What state is this? I can't believe you actually signed every document needed to get the car transferred to you. Plus they don't have the title for your car. I would call your states DMV or who ever handles auto dealerships, and tell them that's tge route you are going. Plus refuse to give them title to your car. Make some noise. That is shady business.

Arr Dee (not verified)    May 26, 2025 - 8:48AM

1.Very shady business practices by dealership for trying to dupe customers.
2. Customers who actually believe a dealership wouldn’t practice shady business techniques.
3. Sign nothing before a test drive.
Unfortunate circumstance this young mother has put herself in.
Shame on the dealership for their need to use this style of sale and they need to be called out publicly.

Barry Davis (not verified)    May 26, 2025 - 8:56AM

This is why you read what you're signing. The salesman can say anything to you. He can even tell you lies to make the sale. By signing the contract YOU agreed to the terms. Friday to Tuesday means the 3 days has passed and you're now bound by the terms of the contract YOU SIGNED. Hindsight is 2020. She should have driven her car home and came back with her husband on Monday before signing anything. I'm sure the salesman told the lie that 68 other people are looking to buy the car right now and if you wait any one of those 68 people are going to swoop in and buy this cream puff of a used car. Time is of the essence. No, it's not. That POS Ford will still be there on Monday. Then the AC would have broken on that day.

Patti (not verified)    May 28, 2025 - 12:24AM

In reply to by Barry Davis (not verified)

This is why car dealers should be held accountable. These practices should be illegal and they should be shut down, fined, prosecuted,. There needs to be consequences for the bold faced lies they tell and this story, much like my daughters story, shows they know they are shady crooks and don't give a darn because there are no consequences.

Jeff davis (not verified)    May 26, 2025 - 9:10AM

If I were the husband I would have went back and used my spare key and took the old car back and call a lawyer

Mr. Wright (not verified)    May 26, 2025 - 9:16AM

Girlfriend, don't fall for that scam! Additionally, it's the dealership's vehicle and they are responsible for any repairs. This is unacceptable for a Ford dealership to attempt to take advantage of a young mother, interested in purchasing an SUV. I would never go back to that dealership and file a report with the Better Business Bureau.

Leek (not verified)    May 26, 2025 - 9:20AM

They ran a scam on her. The rule of thumb when making any large investment like a house or car, is to ALWAYS have your spouse present when signing paperwork. Her husband would've likely questioned the salesman's urgency. She should've been patient enough to wait until his day off so that he could've been there with her.

Tommy (not verified)    May 26, 2025 - 9:32AM

You’re missing the obvious solution. Publish the name and location of the dealership, the name and a picture of the salesperson, and the name and phone number of the dealer principal. Use the power of social media to resolve this. It’s very easy to fix this.
BTW - there is another side to this story that you have not told. This gal might not be sharing all the facts. $1300 is not enough $ to replace the a/c. Did she run over something, try to fix it herself , and so on.

Dennis (not verified)    May 26, 2025 - 9:55AM

How is it possible that a contract can be changed after signing? Sounds illegal! Also was she forced to keep the car and being 2022 model didn’t it have a warranty?

Josh (not verified)    May 26, 2025 - 9:57AM

Couldn't she have just said "no thanks" and cancelled the order after the weekend? Don't all states have a 3 day rule where you can return a newly purchased car without question?

Dennis (not verified)    May 26, 2025 - 9:59AM

How is it possible that a contract can be changed after signing? Sounds illegal! Also was she forced to keep the car and being 2022 model didn’t it have a warranty? Who is the ford dealer so I don’t get stuck by their dishonesty?

Brandon cota (not verified)    May 26, 2025 - 10:02AM

Something like this happened to my wife and I when we went to look at a Kia at kalidy Kia on edmond ok. They made us wait a long time just to test drive a Telluride as we were looking at different manufacturers for her vehicle. They told us we had to "get pre-approved " just to drive one, a 50k cat when our combined income is 4 times this amount. I was heavily against it and made it very clear if this is anything but a soft pull, if it hits my credit, I'll be incredibly piss off. They said no it was just soft, against all alarms in my head, I said okay. Still having to wait 20+ more minutes after this we finally got to drive this car. When we got back we told them we'd like to know the value of her trade but wete going to get food. While we were gone, I got alerts on my credit reports they did a hard pull. I called fuming and no one seemed to want to explain it. I will never go back there as it took 2 points off of all my scores and im incredibly pissed off at that. It's part my fault because I should have listened to my gut and walked us out.

Henry Seymour (not verified)    May 26, 2025 - 11:18AM

Do not buy this !! Do not buy anything that's not a Toyota or Honda. I work in the industry, TRUST ME ON THIS !!!

NMK (not verified)    May 26, 2025 - 11:18AM

No discussion of loan terms?
Interest rate, or length? No documents signed that show those numbers? Then that is illegal and I would make sure my lawyer punished them for their disgusting practices.

Thomas E Brock… (not verified)    May 26, 2025 - 11:23AM

Hey Kalyn you should pay the $1,300 then sue the dealer ship on grounds that they put you and you baby at risk both physically and financially. If you win (which you almost certainly will) you may get enough money to buy a better SUV. Just a small suggestion from a humble plaintiff who has a little experience in court. Sue those shysters then buy a Toyota.

Michele Westermeyer (not verified)    May 27, 2025 - 1:47PM

In reply to by Thomas E Brock… (not verified)

I bought a 1986 Ford Escort, brand new. It had 3 miles on it. Two weeks after I bought it my Dad checked the oil and there was none. I kept taking it back to the Ford Dealership and the guy that sold it to me would tell the other worker that I was never to drive my car back on the lot. It was still under warranty, but he wouldn't let anyone look at it. A back up here, he was really anxious for me to buy this particular car. I drove for 8.5 years, putting 3-4 quarts of oil in it every week. I took it to another place and no one could figure out where the oil was going. Not under the car, nor the engine or out the tail pipe. One day after picking it up from inspection, I was half way home and the engine exploded. In 2001 I needed a vehicle for my family and I looked at a Ford Explorer Sport. The guy was in a hurry to sell it. After 5 months of problems I swore off Fords. Before and after the Fords I have only had Toyotas. My first, 2nd, 5th and 6th(present) have all been Toyotas. I will never buy an American vehicle again.

Shep (not verified)    May 26, 2025 - 12:14PM

So what was the final outcome, did she pursue this thru the proper channels, in NYS, in most cases you have 72 hours to cancel a contract.

TJ (not verified)    May 26, 2025 - 12:16PM

It sounds like aside from the AC that needs to be repaired, that she does want the vehicle. Most if not all dealers will have at least a few days guarantee or similar method to make sure that you are satisfied with your purchase. It's clear that the AC was needing repair before she took it home. I'm sure that the dealer and this person could work out that the AC needs to be repaired at the dealerships expense. That ac was not operating properly before are took out home, so it clearly was not checked over by the mechanic before it was offered for sale. If she literally took the car for a regular test ride, and turned on the AC, it sounds like the faulty AC would've been discovered, and then it would've been due the dealer to fix. Also, the price of the car that the person was looking to buy, would've probably been reduced when more. I know that's what would've happened if it were me that was looking to buy the car. So the dealership eating that repair was really on them in the first place. I also would have the dealership have the entire vehicle inspected again verifying that it was all up to spec before taking redelivery. Otherwise, the other option is to have the dealership have a day in court. So, the option for the dealership is either fix the car at no cost to the new "owner", and dealer paid inspection, and possibly lower final price, or free oil changes for a time, car washes, etc, or the other option have a lot more expenses in court