In March, the FTC sent warning letters to 97 dealer groups, telling them the advertised price has to be the all-in price, including every mandatory fee.

As you likely know, the marketplaces are now following suit, an important step.

CarGurus is leading here, requiring used listings to show their fees or lose their Deal Rating and slide down in search, as of July 14th.

What we see buyers complaining about in reviews

Across the industry, price complaints have held near 20% of negative sales reviews for three years.

Bait-and-switch, our closest read on surprise fees, is still under 5%, up slightly since 2023. Price transparency frustration has remained consistent over the last three years, but has not grown. 

Generally, Widewail data finds the problem to be widespread. 72% of dealers have at least one review Widewail has flagged with an FTC fair pricing-related issue in the last 3 years.

(If you're curious to see a free sample report of your exposure in reviews, reply to this email and we can discuss our standard process for evaluating your reviews and reviewing the output with you and your team).

We do find complaints rising in one key area across the industry, Financing:

The data in this visual is from the Q1 2026 Voice of the Customer Report and the Widewail Index. Full report here.

Financing complaints have climbed from 12% to 16% of negative sales reviews since 2023, the biggest gain of any money topic in the deal.

There has been a lot of talk in the market about the challenges the listings platforms bring to the current compliance conversation, and we're also happy to see vendors like CarGurus making tweaks. 

Beyond listings, what dealers should do next

For our clients, dealers should consider tackling the following next: customers are telling us that the financing experience is a growing problem.

Widewail's review analysis compliance taxonomy looks at two areas within the FTC's guidance specific to the finance experience.

Undisclosed add-ons
What is this: Customer was charged for products (GAP, VSC, warranty, etching, paint protection, wheel & tire) they did not knowingly accept or that were never explained.

Finance Misrepresentation
Quoted APR / payment / term differed from contracted terms. Includes yo-yo financing (spot delivery then re-signed at worse terms), payment-packing, and rate disclosures.

As an example, we find undisclosed add-ons typically come up in reviews in the following ways:

      - "didn't know about"
      - "did not know about"
      - "found out after i signed"
      - "found out later"
      - "didn't agree to"
      - "did not agree to"
      - "never told me about"
      - "never explained the gap"
      - "never explained the warranty"
      - "didn't ask me about"
      - "added without my knowledge"
      - "snuck in"
      - "snuck it in"
      - "buried in the contract"
      - "buried in paperwork"
      - "vin etching"
      - "paint protection"
      - "wheel and tire"
      - "extended warranty i didn't"
      - "gap insurance i didn't"
      - "gap policy i didn't"
      - "protection package i didn't"
      - "service contract i didn't"
      - "never wanted the"
      - "didn't want the warranty"
      - "didn't want the gap"
      - "added on without"
      - "after i signed"
      - "after we signed"

Compliance blind spots are already being discussed by automotive customers in public reviews today. We're helping dealers today process that information and isolate the key risks worth knowing in the words of your customers.

Reach out to us for a free assessment of the risk level in your customer reviews, along with the key themes. 

This is a one-off analysis, so we only have time to work on five more this month. It's first come, first served, so let's get the process started today.

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