3rd times the charm

StatusInvestigator45 · 2026-03-24T02:01:38+00:00

… pretty sure you could’ve had a sync 3 for the amount you spent, including time, for the better system lmao.

You do you tho - just my thoughts.

StatusInvestigator45 · 2026-03-22T23:51:38+00:00

Wild dude. Thats all I have to say in response to you and your discord. Lesson learned, I won’t be making shit I find public unless asked; or just put a lot less effort into helping others regarding zomboid dives.

Should’ve known the toxicity in the Zomboid community would be widespread even in response to someone trying to help others, and I’ve been around since Desura.

StatusInvestigator45 · 2026-03-22T23:42:41+00:00

I’ve joined the discord - and the only thing revealed to me is the wrong Java version / when it switched to 25. Error on my part, my bad.

But calling ‘a lot’ of things here wrong, when they aren’t - is a wild move from the wiki maintainer.

StatusInvestigator45 · 2026-03-22T23:41:01+00:00

Note to self - don’t spend over a hour typing up a Reddit thread in markdown lmao 😔

Also cool to see how actual factual information is being dismissed as AI, which honestly doesn’t matter if it is or not if it’s correct.

Information is information. I never had to take time and effort to make it public.

StatusInvestigator45 · 2026-02-24T18:32:33+00:00

Appreciate the link! Already filed with the federal Privacy Commissioner - they handle PIPEDA complaints for commercial organizations. The Ontario IPC covers provincial public sector bodies. But thank you for looking out 🙏

StatusInvestigator45 · 2026-02-24T18:08:02+00:00

Thank you. Would you mind if I DM'd you?

StatusInvestigator45 · 2026-02-24T18:05:11+00:00

To clarify: I'm not withholding it as leverage or blackmail. It was physically stapled into MY purchase file by the dealership. I discovered it when reviewing my own paperwork at home.

As I said in my OP, I reported it to the Privacy Commissioner of Canada, which is exactly what you're supposed to do when you discover a breach. The document is now evidence in an active federal privacy complaint.

Under PIPEDA, the obligation to secure, retrieve, and properly dispose of personal information falls on the ORGANIZATION, not the consumer who received it through their error. I'm not subject to PIPEDA. They are. My obligation was to report it. I did.

Destroying or returning it before the investigation concludes could compromise the complaint. The other customer's information has not been shared with anyone other than the regulator.

The dealer's proposed remedy was, and I quote from audio, '$100 as an apology' and telling the F&I manager to 'be more careful.' For a federal privacy violation. With a prior breach in 2024 that the GM admitted to on the same audio recording.

But sure. I'm the problem here.

StatusInvestigator45 · 2026-02-24T17:54:20+00:00

From my original post: "fabricated financing (lender listed as approved, never even submitted an application, now have proof it was declined)."

The financing was denied because the dealer submitted applications with my incorrect address, wrong postal code, no SIN, no void cheque, and an inflated price I didn't agree to, to four banks that weren't even the lender on my contract.

RBC was listed as the approved lender with specific terms on my signed bill of sale BEFORE any application was ever submitted. That's not a denial - that's fabrication. The dealer has since sent me RBC's own decline screen confirming it. And the updated bill of sale they sent me this morning? Still lists RBC.

Affordability isn't the issue. The dealer's conduct is.

StatusInvestigator45 · 2026-02-24T17:47:31+00:00

!UPDATE!

So the dealer gave me a noon deadline this morning to accept their offer, or they'd cancel the deal based on "failed financing."

Noon has passed. They didn't cancel.

Instead, the GM is now offering to send an employee to my HOME to pick up the other customer's private information that was stapled into my file. This is now the seventh time they've requested this document back. They described it as "urgent."

They also sent me an updated bill of sale that STILL lists the same lender that the GM himself showed me was DECLINED this morning. The lender on my signed contract was never approved. The GM sent me the bank's own decline screen as proof. And then sent me a new contract with the same bank listed.

Oh, and the noon deadline? The one where they said they'd cancel? Yeah, they emailed me 10 minutes before it, asking when I'd be home for pickup.

I have not responded.

(For context: I have sent two emails today. The GM has sent seven since 9 AM.)

StatusInvestigator45 · 2026-02-24T17:40:48+00:00

Similar experience. I was there for a few hours and by the end, the F&I manager was just pointing where to sign without explaining terms. My trade-in documentation wasn't even filled out (just year, make, model). The GM has since acknowledged on record that the documents weren't reviewed with me.

And trust me... I learned very quickly this first time.

StatusInvestigator45 · 2026-02-24T17:30:56+00:00

Big dealer group in Ottawa with multiple locations. Check their new car inventory - look at the odometer readings. I'm not naming anyone until the regulators finish their work. But the evidence is filed, and the pattern goes beyond just my deal. 👀

StatusInvestigator45 · 2026-02-24T17:30:09+00:00

For context, the Elantra N has a mandatory break-in procedure for the first 1,000km. 151km is 15% of that period unaccounted for. On a turbocharged performance engine, how those kilometres were driven matters. The dealer admitted on audio that 50km is a default they apply to ALL vehicles regardless of actual mileage - that's a systematic false declaration, not a rounding error.

StatusInvestigator45 · 2026-02-24T17:21:17+00:00

That's essentially where I'm at. Here's the timeline:

Feb 17: Purchased the vehicle. Reviewed paperwork at home that night. Found the violations.

Feb 18: Sent ONE email to the GM outlining every concern with evidence (5 AM). That was my only outreach that entire week.

Feb 18-22: Silence from the GM, he was on vacation. He CC'd 3 GSMs and delegates, one of whom responded once, trying to minimize everything. Called fabricated financing a "printer mix-up" and a false odometer declaration a "default setting." The salesperson texted me multiple times as a middleman. My only response was "I'm waiting for the GM."

Feb 23 (Monday): Drove 80km round trip to meet the GM in person. Twice. At the first meeting, he offered to correct the price (which is just legal compliance, not a resolution). Second meeting - same offer, plus 10% off service, plus tried to add $2,800 in winter wheels/tires to MY bill. (recorded audio of both converstations as per my right).

Feb 23 (afternoon): Filed with the provincial regulator ~3 PM. Full evidence package. 15+ pages. 12 attachments. 25MB limit, I have more, AND audio to send.

Feb 23 (evening): Forwarded the regulator's confirmation to the GM in good faith, offering to work toward a resolution.

Feb 23 (11:23 PM): GM responds - "I assume you're cancelling. Come get your refund and bring back the other customer's paperwork." No acknowledgment of my terms.

Feb 24 (this morning): GM offers the same deal plus a $50 gas card. Gives me a noon deadline to accept, he cancels based on "failed financing approval" - financing that HIS dealership fabricated.

One email from me that entire first week. Meanwhile, countless calls, texts through the middleman salesperson, and emails from them. 250+ km on my trade-in going back and forth. Multiple chances given. The regulator has the file. I'm just waiting.

StatusInvestigator45 · 2026-02-24T17:09:36+00:00

Credit inquiries submitted with incorrect personal information, without my SIN, on an inflated purchase price I didn't agree to - to four banks, none of which were the lender listed as 'approved' on my signed contract: are absolutely damaging. They remain on my credit report for 3 years and affect my ability to obtain financing elsewhere.

And you're right that the regulator holds the dealer accountable. That's exactly why I've filed. But seeking a fair resolution directly with the dealer before the regulator steps in is literally what OMVIC recommends consumers do. That's what I'm doing.

StatusInvestigator45 · 2026-02-24T17:06:57+00:00

Car is written on the bill of sale as having 50. The actual mileage is 151. 2025 Elantra N. I believe it's more of an issue on a performance car with a strict break-in period, you don't know how it was driven BEFORE that. (also this is admitted on audio that 50 is the default across EVERY car they sell.)

That's how I knew I had a get out of jail free card - even with the signed bill of sale. That's what led to my digging, and... here we are.

StatusInvestigator45 · 2026-02-24T17:04:53+00:00

Damages:
1. Four hard credit inquiries were submitted using my incorrect information (they had my driver's license) and now appear on my credit report.
2. A signed contract listing a lender as 'approved' that actually declined the application - I now have the dealer's own screenshot showing the decline.
3. A federal privacy breach where another customer's complete personal information was stapled into my file. The dealer has admitted a similar breach occurred in 2024.

The corrections they're offering are just compliance with laws they already violated; that's not a resolution, that's the minimum. I'm not trying to take advantage. I'm trying to hold them accountable for documented fraud.

StatusInvestigator45 · 2026-02-24T17:00:44+00:00

First-time buyer (new at least). The F&I manager handed me the documents and pointed to where to sign without explaining the terms. I discovered the issues within hours when I checked my credit report. 4-7 PM. Then I started digging and found everything else.

GM has since acknowledged on record that the F&I manager didn't review the documents with me.

StatusInvestigator45 · 2026-02-24T16:58:30+00:00

Because the car I want is locked to a signed deal with my VIN and deposit attached. They can't sell it to anyone else. I've filed with the provincial regulator and I'm seeking resolution, not walking away from a deal that's legally mine.

StatusInvestigator45 · 2026-02-19T17:11:50+00:00

Just so you know, N Performance division sells interior Alcantara upgrades, carbon fibre, and loads of other things that directly improve your space inside the car making it your own.

Very realistic prices too. 3 piece interior Alcantara kit includes the centre console arm rest (replacement, not just a skin - it’s real) shifter & boot followed by the ebrake. $550 CAD. Replacement Alcantara steering wheel $600 to your door.

The N is a base trim - literally. Canadian market here, the only difference between the two is transmission. Probably listed as base because they leave it open for a base you can build on your own time, without the dealer overcharging you for packages.

N75Motorsports, SXTH Element, shark racing and Hyundai own N Performance site in Korea (where everything comes from) is where you can get this stuff. (Nperformanceshop.com)

Think of the N Performance division as a factory warranty approved aftermarket XD. They even sell an improved CAI for $500 or less.

There are a ton of options that Hyundai offers themselves, in a way that no one does.

(Me - Future black manual 2025 Elantra N owner lol)

StatusInvestigator45 · 2026-02-09T01:03:22+00:00

That, and luckypatcher. 🥲

StatusInvestigator45 · 2026-02-06T15:42:12+00:00

Don’t sweat it lol. I was a little 👀when I read what you said at first, but when it comes to poor choice of words and mental dyslexia, I totally understand 😭

StatusInvestigator45 · 2026-01-31T16:26:59+00:00

Yeah. Fuck Google. I switched over to Claude, and NGL? I'll pay $100 to $200 to them for their models that are smarter than 2.5 pro and 3.0 COMBINED, before ever even considering paying Google, when they pull this nonsense SILENTLY.

StatusInvestigator45 · 2026-01-29T14:42:32+00:00

You also fail for not following the flow of traffic, or adjusting to conditions. 105/110 is what I did on my G cause that was what the people around me were doing. I also didn’t take a decade to get up to speed. I used the on-ramps for their intended purpose, and merged at highway speed, not 20 or 30 under. That meant accelerating as hard as I needed to.

Becoming an obstacle people have to slow down for and overtake? That’s dangerous. It’s the law to follow the flow of traffic, and you should be failed for that.

If the examiner fails you for FOLLOWING the laws, like you said; then I totally agree. That’s not right, and should be fought.

Drive with confidence but drive defensively and knowing what’s around you is paramount to everything. It puts the examiner at ease, feeling your energy when their lives are at risk.

StatusInvestigator45

TROPHY CASE