'You’re Probably Not the First One:' Texas Woman Buys Truck. Then She Checks Her Capital One Loan Balance — It’s $13,000 Higher

A San Antonio woman’s truck-buying nightmare has spiraled into a months-long financial ordeal, according to a TikTok video she posted on Wednesday.

User @yesseb.gomez’s video details her side of what she portrays as a harrowing experience with a San Antonio dealership. What started as a search for a specific lifted truck has turned into a $13,000 financing discrepancy that the dealership has failed to resolve for months, according to her account.

“I’m like this close to freaking name-dropping this dealership in San Antonio that is completely ruining our lives,” @yesseb.gomez says in her emotional video, with an on-screen caption reading, “I am so close to a mental breakdown.”

She says the ordeal began several months ago when she and her partner found the exact truck they’d been searching for at a large San Antonio dealership. Despite calling the buying experience “one of the most unpleasant experiences I’ve had ever buying a vehicle,” the couple proceeded because the truck was exactly what they wanted and the price seemed right.

“It was a very specific truck, something that we had been looking for for months, and nothing even came close to it. The price was good. So we went for it,” she explains in the video.

When the Numbers Don’t Add Up

The shock came weeks after the purchase when @yesseb.gomez says she received an email from Capital One, the lender financing the truck loan.

“I log in and I about have a freaking heart attack. I look at the loan total and it’s about $13,000 more than what it should have been,” she reveals.

She says that when she called Capital One to inquire about the discrepancy, a worker told her the dealership had submitted the higher amount. They suggested she contact the dealer to correct it, but that’s where things got worse.

“I call the dealership,” she says. “I couldn’t remember who the finance guy was that did our loan, but I call the dealership, transfer me over to the finance department, and I talked to some random idiot.” 

She says a worker told her, “Yeah, there’s nothing we can do about it. You signed, so you’re kind of screwed. There’s literally nothing we can do.”

The Runaround Begins

Frustrated but determined, @yesseb.gomez says she tracked down the original finance manager through the dealership’s website directory. Despite two weeks of constant calls and emails, she says she received no response.

The couple eventually returned to the dealership to re-sign paperwork reflecting the correct loan amount, with the dealership promising to pay off Capital One and refinance through Toyota, according to a follow-up video she posted later on Wednesday.

In that follow-up video, @yesseb.gomez explains that the dealership claimed it would take up to a week to send the payoff check. That was two months ago.

“After a month of us going back in and doing all of that, Capital One is calling me because, like, I haven’t given a payment,” she explains. When she pressed the dealership for the promised check’s tracking information, she says it provided a number that showed a shipping label had been purchased but never actually sent to the carrier.

“They just essentially bought a freaking tracking or a label that they intended to do nothing with. It seems like the label was bought August 8th. It’s been almost two months of them sending out the check,” she says.

Expert Advice and Legal Options

The situation @yesseb.gomez describes may violate federal and state laws.

The Federal Trade Commission’s CARS rule is aimed at protecting consumers from “bait-and-switch tactics, hidden charges, and other conduct that harms consumers and honest dealers.”

The FTC has recently acted against dealers engaging in practices that resemble the situation @yesseb.gomez describes in her videos.

As recently as December, the FTC collaborated with Illinois and Maryland state authorities to prosecute dealers who carried out so-called “bait-and-switch” schemes where customers were misled about the total pricing of cars, and had extra charges added on after making a deal at an agreed-upon price.

Additionally, the Consumer Financial Protection Bureau carries a wealth of advice on its website about negotiating car finance.

Several commenters also offered practical advice for @yesseb.gomez’s situation. User Robbie Gage377 suggested, “First, you need your original signed documents. Then, contact the attorney generals office and file a complaint. If they did a bait and switch they’ll be dealt with.”

Another commenter, Sidney Aaron, recommended filing an attorney general complaint, writing, “Submit an attorney general complaint. It will be resolved in like 5 mins. I’ve done this with car dealerships numerous times for similar issues and it has worked every single time.”

Community Response Highlights Systemic Issues

The comments on @yesseb.gomez’s videos reveal this may be a broader problem in the industry. User “what the frick” wrote, “Post a Google review and file with BBB, you’re probably not the first one they did this to!”

Another commenter shared their own experience: “This is the new SCAM. same thing happened to me 15 years ago for $500 so I know to watch for it. When I bought my new car a couple years ago they tried to add on 5k in coverage.”

Industry insider Bryan, who identifies as a loan officer, provided technical insight: “Dealerships are SHADY you need to walk up in there and demand a copy of your contract! The dealership or Cap 1 WILL be able to provide a copy (they have to. I’m a loan officer).”

Credit Score Concerns Mount

The prolonged resolution is now threatening @yesseb.gomez’s credit score and future financial plans. Capital One has already reported missed payments to credit bureaus, and she reveals the timing couldn’t be worse.

“I’m literally on a downward spiral, this is just the worst thing that we’ve ever dealt with,” she responds to a commenter. “To make matters worse we were supposed to start the process soon to get a loan to remodel our house and this is definitely going to affect us so much.”

The dealership finally called after her video went live, claiming Toyota had rejected the original refinancing terms but offering a lower interest rate. However, it still couldn’t provide a timeline for paying off Capital One.

“[I asked,] ‘When are you gonna pay Capital One off?’ and she was like, ‘Well, oh, I don’t know,’ but I’m like that’s—that’s the biggest issue,” @yesseb.gomez explains in her update.

For car buyers, this case serves as a stark reminder to carefully review all financing paperwork, demand physical copies of contracts, and document every interaction with dealership staff. As one commenter advised, “Texas is a one party consent state so you don’t even have to tell them you’re recording.”

Motor1 reached out to @yesseb.gomez via TikTok for additional comment. This story will be updated if she responds.