Subpoena related to a 2022 transaction at Red Rock Hyundai in which allegedly forged signatures were discovered by a credit union on purchase documents for a used 2020 GMC Sierra truck. Mr. Acevedo, the customer who tried to buy the vehicle, was the victim in the case.
Jesus Acevedo, the victim of the alleged 2022 forgeries in the case, received a subpoena dated 8/29/2024 in the state’s case.
In January, 2022 Mr. Acevedo attempted to buy a 2020 GMC Sierra pickup from Red Rock Hyundai. He was never shown any of the documents from his purchase while he was at the Hyundai dealership. He saw them for the first time at the Sooper Credit Union, where he went to arrange financing. A loan officer printed out the documents from the sale and saw four signatures that didn’t look like Mr. Acevedo’s signature. He showed the signatures to Mr. Acevedo, who affirmed they were not his. One of the questionable signatures was on an agreement to buy a $10,000 extended warranty that Mr. Acevedo wasn’t told about and did not approve.
Jesus Acevedo’s signature next to the signature a Red Rock Hyundai employee forged on a contract in his name that would have added a $10,000 extended warranty to his contract, had he not caught the forgery while at his credit union to arrange financing.
People have sent information to AnneLandmanBlog that indicates customers of Grand Junction Red Rock dealerships have had their signatures forged on documents, and that such forgeries have likely been a problem at these dealerships for some time.
Did you buy a vehicle from a local dealership only to find out later you were defrauded in some way? Can’t afford an attorney to help?
Fortunately, there’s another, completely unpublicized way car buyers can get compensation for a fraudulent deal committed by a dealership.
Surety bonds
Colorado law requires every licensed motor vehicle dealer to carry a surety bond. The bond is meant to protect customers from fraudulent business practices.
A surety bond guarantees financial compensation to customers who incur monetary loss as a result of an auto dealer’s fraud, negligence or failure to comply with all of Colorado’s laws and ethical guidelines that govern the sale of vehicles. In order to get a dealer’s license from the state, all dealerships must purchase a surety bond to the amount of $50,000. Individual salespeople must also be bonded, to the amount of $15,000.
If you have evidence that a dealership committed fraud in your deal, for example if you found forged signatures on contracts or agreements, found extra charges were added were to your contract without your knowledge, the dealership submitted false information about your finances and the vehicle you were buying to lenders on your credit application (like inflating your gross salary or the length of time you’ve lived at your current residence, or claimed to lenders that your vehicle has fancier features like leather seats and a sunroof when it doesn’t), or if you were charged a higher interest rate than expected on your loan without your knowing, or if you were charged a higher price than the advertised price, or if the dealer told you had to buy additional products in order to buy the vehicle you wanted, or if the dealership submitted fake utility bills in your name to lenders, you can make a claim against the dealership’s surety bond to recoup the loss you incurred from the fraud.
Above is an excerpt from a 2023 lawsuit (pdf) brought by a Grand Junction couple against Red Rock Auto/Red Rock Hyundai describing how they discovered Red Rock Hyundai had fabricated XCel and AT&T bills in their names to include with the credit application for a loan on their vehicle. Neither one of the couple has an AT&T account.
How to file a claim against a dealership’s surety bond:
1) Identify the insurer that sold the dealer the bond**,
2) Contact the insurer and ask them to tell you their procedure for filing a claim,
3) Gather evidence of the fraud, for example the documents from your sale, your credit application, dates and times the fraud happened, the names of employees involved, copies of your signature if you think your signature was forged, a full description of what happened, the amount of money you are out because of the deal and the basis for the figure, and submit it all to the insurer with a letter saying “Dealership [fill in name]” defrauded you and you want to make a claim against the dealership’s surety bond.
The insurer will investigate your claim and pay you after they verify the facts of the case.
**How do you find out which insurer holds a dealership’s surety bond?
It’s public information that’s buried on the Auto Industry Division’s website. Here’s how to find it:
Scroll down to the blue “Quick Links” bar and click on it for the drop-down menu.
Click on the link for”Active Facility License Listings.”
In the bulleted sentence right below the page title, click on the blue link for “Active License Lookup.”
In the Active License Lookup web form, click the blue link in the third bulleted sentence that says “Click here to search for a facility instead of a person.”
In the facility search form, type the name of the dealership. [Hint: For the best result, use broad search criteria. For example, if you’re looking for Red Rock Nissan, just type “Red Rock.” If you’re looking for Grand Valley Auto, just type “Grand Valley.”]
Mug shot of Tiffany Momilani Miller, former Red Rock GMC financial manager, who was arrested for forgery, criminal impersonation and identity theft last year
In the search result box, click on the blue name of the dealership.
Scroll down to the dealership’s “License Bond Information.” You’ll see the name of the company that holds the bond for the dealership, and the bond number, which is like an insurance policy number.
Put the name of the bond issuing company into a Google search to get the company’s contact information. Call the company and ask them to tell you their process to file a claim against a dealership’s surety bond.
Above is the page on the Colorado Department of Revenue’s Auto Industry website with the surety bond information for Red Rock Hyundai, naming the bond company and the bond number.
Surety bonds protect customers from financial losses they incur from doing business with an unscrupulous auto dealer. It’s free to file a claim against a dealer’s surety bond, so if you were defrauded in the course of buying a car, file a claim to get compensation for the fraudulent deal. The bond company will pay you and then seek reimbursement from the dealer.
Also…Report the fraud to law enforcement
Dealers that use fraudulent practices will continue doing so until they get caught and sent to jail, because they make a lot of money off such crimes.
dealership inside city limits, fill out the G.J.P.D.’s financial fraud packet, file it with the G.J.P.D., meet with a cop to explain how you were defrauded, and include a copy of your fraud packet with the documents you send to the surety bond company.
You can also report the crime to the Colorado state Attorney General as an automotive complaint and write reviews on sites like Google Reviews, Yelp, Cars.com, the Better Business Bureau, etc.
The more records you make of the crime and the more such crimes get reported, the better off everyone will be, and the easier it will be to make a solid case to the surety bond provider so you can get your money back. And it’s free to do all of this, except for the time it takes to do it.
Note that all of the crimes in the following video have been committed locally by a notorious auto dealer that has five stores in Grand Junction, so it pays to know how to make a claim against a dealer’s surety bond to get compensation for a financial rip off:
Local baseball fans will now be confronted with the name of “Red Rock Auto” at every turn in their Jackalopes game day experience. As part of the sponsorship deal, the Diamond Club at Suplizio Field will now “officially be renamed the “Red Rock Auto Diamond Club,” and fans will now enter Suplizio Field through gates re-named the “Red Rock Auto North Gate” or the “Red Rock Auto South Gate.” The grill is even named the “Red Rock Auto Grill.”
Bryan Knight, the now former part-owner of Red Rock Auto dealerships
The sole local owner of the Red Rock Auto dealership chain, Bryan Knight, has been pushed out of the company.
Documents from the Colorado Department of Revenue show Mr. Knight, who oversaw the Red Rock dealerships and had long been listed as a partner and minority owner of the Red Rock GMC and Honda stores, is no longer an owner of record for any Red Rock stores.
The rumor that Mr. Knight had been pushed out of Red Rock Auto came on January 19, when someone in the local auto industry contacted AnneLandmanBlog to say “Bryan Knight no longer works at Red Rock.”
Rumor: In a reversal, Red Rock got fleeced by a customer
On December 12, 2023, the Federal Trade Commission (FTC) finalized the Combating Auto Retail Scams rule (CARS) to end the most common abuses that dealerships like Red Rock Auto in Grand Junction have long perpetrated on customers when selling cars. The CARS Rule was scheduled to go into effect on July 30, 2024. [See above last minute update].
Note that “Bookcliffs Investment Group, LLC” is not be confused with “Bookcliffs Financial Planning and Investments,” which is an entirely different company unaffiliated with Reade and Adams’ business.
A former employee of Red Rock Hyundai in Grand Junction who quit as an act of conscience last year previously gave an interview in which he told how Red Rock financing and insurance (F&I) employees had been fleecing people and submitting false information to financial institutions on the sales side. The same person also worked in the service department at Red Rock Hyundai, so I contacted him again to talk about how service is billed at these dealerships. The conversation ranged into a discussion of other service practices as well.
The former employee revealed some disturbing practices he’d witnessed in the service department at Red Rock Hyundai. These, combined with what he had seen happening on the sales side weighed heavily on his conscience and led up to his resignation. Some of what he said he had seen included:
A second former Red Rock GMC financial manager has been charged with forgery, criminal impersonation and identity theft within the last month after posing as a customer on a phone call to the Canvas Credit Union to try to expedite a customer’s vehicle loan.
Matthew Morris acted as an accomplice to Tiffany Miller, the first Red Rock GMC financial manager charged with the same crimes in early August. Both Morris and Miller were fired from Red Rock, but in her arrest affidavit Miller pointed to Red Rock management as pressuring her to commit the crimes. In the same affidavit (pdf), Morris said that Red Rock GMC Sales Manager Tyson Chambers and General Manager Caleb Stillman both knew he and Miller were making the fake calls to
Tyson Chambers, General Manager of Red Rock GMC
the lender and that they “and essentially encouraged the behavior.” Morris added that “he was terminated [from his job] not for making the call, but for being caught.”
Mug shot of Tiffany Momilani Miller, a former Red Rock GMC financial manager who was arrested earlier this month on charges of forgery, criminal impersonation and identity theft. (Photo: Daily Sentinel/GJPD)
Former Red Rock GMC financial manager Tiffany M. Miller was arrested earlier this month and charged with forgery, identity theft and criminal impersonation.
The biggest takeaways from it are summarized below:
A couple was trying to buy a vehicle from Red Rock GMC at 741 N. First Street, and applied for a loan through the dealership. After they left with the vehicle, two Red Rock financial managers, Tiffany Miller and Matthew Morris, phoned the customers’ lender and posed as the couple, in a claimed effort “to verify the information on the auto [credit] application,” and “expedite the loan process.”
In addition to posing as the customers, Miller falsified information on the customers’ credit application, including who the primary driver of the vehicle would be, and the length of time the couple had lived at their residence, and she falsely stated the car had extra accessories it didn’t actually have, including running boards, rear bucket seats, a rear entertainment system and blind spot monitors. The customers told GJPD investigators the car they were purchasing had none of these features. These items would have increased the value of the vehicle to the lender. (Note: This is a practice that, according to a former Red Rock finance employee is called “Power Booking,” that is aimed at increasing the value of the car to the lender to get the customer a bigger loan.)
The Grand Junction Police Department (GJPD) first sent the case to the Colorado Department of Revenue’s Auto Industry Division (AID), the enforcement agency for dealerships. Months later, the AID sent it back to the GJPD because “the allegations are for felony criminal activity.”
Red Rock GMC General Manager Tyson Chambers said Red Rock GMC got “locked out” of Canvas Credit Union via their online lending platform, Credit Union Direct Lending (CUDL), because of the “victim complaint and the potential forgery on the loan application.”
Tyson Chambers, General Manager of Red Rock GMC, who, according to Miller’s arrest affidavit, pressured Red Rock Human Resources Manager Amy Felix to lie on a form about why Tiffany Miller had left Red Rock. Felix told a police investigator Tyson had ordered her to lie on the form because he “didn’t want to ruin [Tiffany Miller’s] life.”
Tyson Chambers fired both Tiffany Miller and Matthew Morris, the two GMC financial managers who posed as customers on the phone call to the lender. Morris later told the GJPD criminal investigator that he was told that making calls posing as customers was “just part of the business and everyone knows they do it, to include the banks.”
By comparison, non-Red Rock new car dealerships in G.J., like Western Slope Auto, Bozarth Chevrolet, Grand Junction Subaru & Volkswagen, and Grand Junction Chrysler Jeep Dodge logged no customer complaints within the same time frame. This begs the question of why is there such a big difference between how Red Rock has operated, and how these other dealerships operate?
Think Trouble: Red Rock’s proprietary USB key-style thumb drive that they use to hand people their documents
Since Red Rock dealerships’ shady sales tactics were first exposed in this blog, people have been digging out documents from their vehicle purchases at Red Rock, examining them and continuing to discover expensive extras added to their contracts that they didn’t know about and signatures on them that people say are not theirs.
One of these people is Natasha Bury-Wilder, a hard-working single mother of three employed in home care, who says she got taken twice by Red Rock Nissan and ended up in a deep financial hole as a result.
Red Rock got this free media from the Daily Sentinel on January 19, 2023, with this photo of their donation to Court Appointed Special Advocates (CASA). Red Rock also got Joy Thompson of CASA to say “We love Red Rock” on a January 19, 2023 local KREX-TV news segment about the donation.
After a company has been outed as over-the-top greedy, there’s nothing left for it to do but make conspicuous donations to local charities to score public relations points and blow smoke to make people forget about how their business has harmed the community in the long term.
That’s likely why, near the end of 2022, after all the unseemly tactics Red Rock Auto dealerships had been usingon customers to fleece them out of thousands of dollars over the last 7 years were exposed, Red Rock suddenly started ramping up its donations to local charities and promoting their donations in ads on TV and through free media given to them by local TV stations and newspapers.
A company that ingratiates itself to reputable charitable causes as a way to distract from its immoral acts is engaging in a form of “greedwashing,” a term developed during the taxpayer-funded federal bailouts of the big banks during the economic crash of 2008-2009:
An open records request to the Colorado Department of Revenue Auto Industry Division (AID) seeking all complaints submitted about the major Grand Junction auto dealerships over the last two years showed no complaints were submitted against Western Slope Auto, which sells Ford, Lincoln & Toyota, no complaints were submitted against Ed Bozarth Chevrolet & Buick, no complaints were submitted against Grand Junction Chrysler-Dodge-Jeep-Ram, and no complaints were submitted against Jim Fuoco Motors or Fuoco Honda in 2021, before it was sold to Red Rock Auto Group in April of 2022, but within the last two years at least 15 complaints were submitted about Red Rock Auto Group’s stores. There were at least two more complaints beyond the 15 documented ones the Auto Industry Division sent that were submitted against Red Rock, but one of them was still undergoing investigation and they could not release information on it, and the other was dismissed after the complainant chose not to pursue it further. Another complaint against Red Rock was submitted to the Colorado State Attorney General, who is investigating it. This makes a total of 18 known complaints lodged against Red Rock Auto Group stores in Grand Junction in the last 2 years.
Dale Sundeen, the Colorado Department of Revenue Auto Industry Division’s criminal investigator who was investigating Grand Junction’s Red Rock dealerships, quit his job with the state and went to work for Red Rock Auto Group as their “Corporate Director of Compliance.”
After examining paperwork from their transactions at Red Rock dealerships, more people report they’ve found forged signatures on their contracts and other documents from their deals:
AID Investigator John Bulman (Photo: Golden Police Dept)
The Colorado Department of Revenue’s Auto Industry Division (AID) has assigned a second criminal investigator to help the with the Red Rock dealership cases.
The first investigator looking into Red Rock is Dale Sundeen, who’s been with the Colorado Department of Revenue since 2008 and has been the agency’s western slope investigator for over ten years.
The additional investigator is John Bulman, who joined the Auto Industry Division in 2022 (pdf) after working for the Golden Police Department, where he was awarded Golden Police Officer of the Year in 2020.
Jesus Acevedo, the victim of the alleged 2022 forgeries in the case, received a subpoena dated 8/29/2024 in the state’s case.
An open records request to the Colorado Department of Revenue Auto Industry Division (AID) seeking all complaints submitted about the major Grand Junction auto dealerships over the last two years showed no complaints were submitted against Western Slope Auto, which sells Ford, Lincoln & Toyota, no complaints were submitted against Ed Bozarth Chevrolet & Buick, no complaints were submitted against Grand Junction Chrysler-Dodge-Jeep-Ram, and no complaints were submitted against Jim Fuoco Motors or Fuoco Honda in 2021, before it was sold to Red Rock Auto Group in April of 2022, but within the last two years at least 15 complaints were submitted about Red Rock Auto Group’s stores. There were at least two more complaints beyond the 15 documented ones the Auto Industry Division sent that were submitted against Red Rock, but one of them was still undergoing investigation and they could not release information on it, and the other was dismissed after the complainant chose not to pursue it further. Another complaint against Red Rock was submitted to the Colorado State Attorney General, who is investigating it. This makes a total of 18 known complaints lodged against Red Rock Auto Group stores in Grand Junction in the last 2 years.
