Sounds like a con game to me. See an attorney. Take your contract.
We do not have a client/attorney relationship until you make an appointment, we discuss your case face to face, I accept a retainer, and we explictly agree to enter into representation.
This sounds like a (unfortunately) typical fraud tactic that dealers engage in when they cannot sell/assign the sales contract to a lender. You need to consult with a consumer law attorney that handles dealer fraud in your area to get a better sense of your options, which might be a full refund and potentially extra compensation depending on the severity of the fraud. Try www.naca.net to find a consumer law attorney if you have difficulty finding someone nearby. Good luck.
DISCLAIMER: This reponse is for informational purposes only and cannot be treated as legal advice. Legal advice depends on the specific facts of the particular matter at issue. Accordingly, you should not rely on or act on any information provided herein without consulting with legal counsel that is licensed to practice law in your jurisdiction. This response does not create an attorney-client relationship between you and the Law Office of Arthur J. Obolsky.
Sorry this is happening to you.
Call Craig Friedberg in Las Vegas right away. He's excellent in these matters. Feel free to mention my name as referring.