Do not use this company. It's a long review but worth the read. Our experience with the company started out great or so we thought. We chose this company because it accepts people with lower credit scores and my partner wanted to be able to build his credit and buy a car. We understood the consequences of paying a higher interest rate, but were willing to accept it. We had no mechanical issues with the car we made our monthly payments on time. We were told when we purchased the car that the company would pull our credit and send the monthly report to Equifax when we're making our payments on time. That did not happen. Neither one of our credits were pulled, and there was no report to any of the three credit bureaus that we were making our payments. In December, the car was involved in an accident. Because of the snow and ice and bad weather it was difficult to work two full-time jobs and collect the data needed for the claim. When all was said and done, the insurance company totaled the vehicle, and an amount was suggested. Because I was not the owner of the vehicle, I advised the insurance company they should make those arrangements with the dealership as to what they would accept. I put F&S Financial, which is the in-house lending company for Free Bridge auto in contact with my claims agent, giving the claim number the agent telephone number and her extension. Vise versa with the insurance. That's when everything went south. We did what we were supposed to do when the accident occurred. It was after hours, so we left a message and then we called back the following morning to report the accident to the dealership. I did so with TJ. The insurance company was contacted immediately. now that everything is supposed to be settled and done the dealership is trying to make claims that we never notified them. They're trying to make claims that they're not able to contact the insurance company for three weeks. They claimed that the insurance company wasn't contacting them back about payment of the vehicle. Within a five minute call, I spoke to the claims department got the total, made sure everything was signed off on and approved. Payment was mailed out the following day. In the meantime, constant harassing calls threats of interest rates for nonpayment, yelling, screaming, unprofessional language, unprofessional behavior in general is all we have dealt with since. The Manager TJ remained reasonable until today when he yelled and became disrespectful. He advised me that Sean (sp) his manager, was aware of my situation and listened in the background and did nothing. Our files have been documented improperly with Barbara at F&S Financial stating she was calling and leaving messages with the insurance company every day. I spoke with the agent who verified that when messages are left, it is sent to an email. She verified through her email that there were no messages in her email from them. To be "devils advocate " she said that there was a time when they were transitioning phones, but keep in mind I speak to them every time I call! They went so far after hours 6:30 in the evening to be exact as to call our phone blocking their number so when we answer the number they just hung up. They did not realize that all you have to do is return that call from your call log and it automatically dials the number back. So when we did so, a live person, Alicia to be exact answered the phone. She immediately started yelling and screaming that she had never spoken to me before and didn't know why I was calling and hung up the phone. We called back they would hang up. They are the most unprofessional, disrespectful company that I have ever experienced. They put on a nice front, but as soon as someone calls them out for being in the wrong the defensive aggressive behavior starts. Do yourself a favor and steer clear. You will find that most dealerships have programs for everyone with better rates. read more
