I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins. 
