Sorry so long, but if you don't read it all here is what to take away from this.
1. Do not buy a vehicle from Beaver County Jeep, Dodge, Chrysler in Chippewa.
2. Finance directly through your own bank.
3. Be sure to review all details on documents .
4. TRUST NO ONE! Especially when their job is to sell you something!
I have bought four vehicles from Beaver County Jeep, Dodge, Chrysler in Chippewa with two of them being this month. Never will I buy from them again and I discourage others from doing so. I went because I know an "friend" who is a dealer there. If you do buy a vehicle there, be sure to go over the paper work with a fine toothed comb!
I was adamant on the price I could afford monthly on a vehicle and that I only wanted a five year finance. The salesman showed me one car that he highly recommended. It was bigger than I was used to and got less gas mileage. He assured me it was a great value, which I believed. I thought this guy was a friend and honest. I trusted him. But, the payments were higher than I wanted.
The finance guy came back and said I had good credit and it was a 6% interest rate. But he kept coming back with a payment higher than I wanted and asked if I would consider a longer finance term. I said no, no longer than fie years! It was a long night and he came back and said ok, I got what you wanted. Still the payment was a bit higher than I wanted, but I could deal with it. I got the vehicles. By the way, this happened with both vehicles I purchased within one week. The second one was a co-sign and that person definitely couldn't afford a higher payment. It was bad enough they said the interest rate in that one was 12%!!! Regardless of the bank quoting an 8% interest rests one week prior. We finished the agreement after closing time. When signing the papers the finance guy was rushing and flipping through everything fast. I did catch one discrepancy in the paperwork that they correct. They commented on how I pick up on stuff. As he rushed through the papers he looked nervous and said his boss was going to be upset because "he gave us warranties at face value". I came to find out it was because he was trying to get over on us! Because he gained my trust with lies he did!
Two days after the second purchase, I found out that all dealership financing personnel can add up to 2% extra interest on top of what the bank said. The dealership keeps that 2%!
I tried to finance directly through the bank. By then my credit went too low from the recent credit checks and purchases and I could not get approved. My bank asked me what the finance term was and I said five years. They said are you sure, because most people think that and it's actually longer. I said, oh no, it is definitely five years because I told them I didn't want any longer than that. She told me to check and make sure. When I checked I found that they made it for 75 months!!!!! They had a promotion going on and the dealer was supposed to make sure I got $50 for a test drive also, never did!
I attempted to contact the dealer and finance manger. I spoke to one who said another manger was who I had to talk to and he would tell him to call me that day. Two weeks later and no one has called.
This salesman and finance guy are the dynamic duo! Working very hard together to get every penny from you they can! Which is great for the dealership also and why they never called me back!
I wish there was a way we consumers could LEGALLY be protected from this bullshit! One thing I know I can do is put in a complaint with the Better Business Bureau! read more