Organization is engaged in fraud, and is currently trying to defraud me with: Spot Delivery Sales – This type of NC auto fraud occurs when a dealer manipulates a buyer into believing they have been financed at an agreed upon interest rate. Financing Fraud – There are many variations on this type of auto fraud in North Carolina. Some of the more common include incorrectly calculating or utilizing credit score reporting, deferred down payments, or negative equity, unlawfully inflating sale prices for credit customers, illegal use of conditional delivery agreements, and engaging in “packing” schemes. Undisclosed Damage or Mechanical Problems – This type of auto fraud can involve failing to reveal an accident, failing to reveal that a car was a returned lemon or failing to reveal that the car was a rental return or salvage vehicle. Laws regulating North Carolina auto fraud prohibit auto dealers from deliberately misleading consumers. That is why we urge car buyers to ask directly whether their proposed purchase was in an accident. The car dealer is required to tell you. Undisclosed Vehicle History – Selling a vehicle without disclosing its previous history is a violation of the law. Loan packing – Adding unwanted products to bump up monthly payments is a violation of the law. Title fraud – Title fraud may be part of other schemes, such as failure to disclose that a vehicle was a previous rental car or was a lemon bought back by the manufacturer.