the yo-yo, according to people at the federal trade commission. yo-yo might sound like it is making light of the term, but it really is kind of showing you the jerking the consumer back and forth issue that we re concerned about. reporter: the car dealer industry group says vast majority of car deals occur without mistakes or misconduct. when we showed up at the dealer with je ney smith, the salesman said he was doing nothing wrong she signed a document promising to bring the car back if the financing did not go through. reporter: can you show it to me? no. i don t need to show you anything. reporter: he refused again and again to show it to me until the owner showed up and made him turn it over. give it to him. i don t care. i have nothing to hide. reporter: then the truth came out. she didn t sign this. this is signed by you. that s why you didn t want to show it to me. she never signed it. vindication for janey smith and valuable lesson for anyone buying a car. thank y