If I could give this place 0 stars I would. My experience with them happened in June, and I was so upset it almost ruined my whole summer. Tracker was having a low interest rate financing special so I decided to look into a bass boat. I dealt with Frank, the owner. I was told that the boat I liked on the showroom floor was the last one, no more 2013's would be coming in so if I liked it I would have to make a decision quick.
I ended up putting a deposit down and was advised I would hear from them within 24 hours about the financing. (Its Tracker financing, who farms it out to no-name banks). After 48 hours passed with no contact I followed up with Frank. They informed me that I didn't qualify for the lowest interest rate. I have my credit monitored and can call up my score at will. The number Tracker was pulling for me was 70 points lower then my actual score. I was insistent that the score was wrong and that I wasn't interested in purchasing the boat for a higher interest rate then I qualify for. They said they'd continue working with Tracker on it. Throughout the process Frank denied knowing anything about how the financing worked and blamed everything on Tracker.
As a few more days passed without word I began to get frustrated. I contacted Frank and told him if I didn't get a straight answer soon I was calling off the whole thing. Finally on Saturday (4 days in) I received a message from Frank that I had been approved for the 2.99% financing and I should come in to finalize things. When I went in, I found out the financing paperwork wasn't there, that he was in contact with Tracker who would call me directly. Frank said he was surprised they hadn't already called me, so it would be any time. Two more days pass with no word from ANYONE. I called Frank on the Monday who again acted surprised that I hadn't heard anything, and now informed me the rate wasn't 2.99%, it was 4.5%.....WHAT? I now realized I was being "handled" by this guy and couldn't trust anything he was saying. I called off the sale.
Well, the truth of everything came out the next day, Tuesday, now almost a week from when I started. Tracker called me directly, completely unaware of anything that had transpired the last week, offering me 5.75%!! I about lost it. When I asked about the 2.99% and the 4.5% I was offered, he didn't know what I was talking about. So it turns out Frank was feeding me false rates so I wouldn't drop the sale. Did he think I wouldn't look at the paperwork before I signed it?
Tracker ended up stepping up, apologizing for FRANK and reducing the interest rate. They also informed me the boat I wanted had already been sold, but more were coming in (remember that FRANK told me it was the last one). The finance guy also told me the reason my credit score was so different is that they use an "enhanced" score...lenders can choose to pull only parts of your credit, skewing the actual number.
If I had been given the low rate initially I might have agreed, but by this point I didn't want to have any dealings with Dover Marine and Frank ever again. If I buy a Tracker I will either pay in cash, get my own financing or work directly with Tracker...no dealer involved. You know when the OWNER of a business is unethical, the whole place is tainted. Stay away. read more