Before you buy from 365 Auto Sales, pull your own independent vehicle history report -- don't rely on anything they tell you or hand you at signing.
On April 5, 2025, I purchased a 2017 RAM 1500 (VIN 3C6RR6LT8HG604738) from 365 Auto Sales in Katy, TX, financed through Westlake Financial. After the sale, I pulled independent Experian AutoCheck and CARFAX reports and found that this truck had been declared a total loss by an insurance company on February 11, 2025 -- less than two months before I bought it. Texas title records show the title was transferred directly into the insurance company's name on March 7, 2025. Less than a month later, the truck was in 365 Auto Sales' inventory, and I bought it on April 5, 2025.
None of this was disclosed to me anywhere -- not in the Buyer's Order, not in the Retail Installment Contract, not in the Odometer Disclosure Statement, not verbally at the dealership. I financed $21,944.80 over 60 months at 10.69% APR for a vehicle whose insurance total-loss history I only discovered by doing my own research after the fact.
On top of that, every single legal document in my file -- the Credit Application, the Retail Installment Contract, the Buyer's Order, the insurance agreement -- lists my legal name incorrectly, calling into question how carefully (if at all) this paperwork was actually reviewed before I was asked to sign it.
I have sent a formal written notice to both 365 Auto Sales and Westlake Financial and have filed complaints with the Texas DMV and the Texas Office of Consumer Credit Commissioner. I'm posting this so other buyers don't find themselves in the same position: get an independent CARFAX or AutoCheck report before you sign anything at this dealership, and ask directly, in writing, about any insurance total-loss or title-brand history. read more