Where do I start? I went in for a lease buyout and clearly provided my numbers and the price range…read moreI wanted. My credit was strong, and this should have been an easy transaction. I was even comfortable purchasing GAP and only asked for one thing: an itemized breakdown of all charges.
First, I want to recognize Chris Lynch. Thee salesperson, who was excellent. He listened, understood what I wanted, and worked hard to get the deal done. I left excited to celebrate with my wife because we had purchased a car we loved.
Unfortunately, that excitement changed when I got home and reviewed the paperwork.
I noticed that the itemized numbers didn't add up, the GAP coverage wasn't what I understood it to be, and some charges on the final contract weren't included in the itemization I had been given.
I returned to discuss this with the finance manager, Jefferson Morgan. Rather than simply reviewing the paperwork and explaining the discrepancies, he became defensive and irate. At one point, he told me:
"I provide a different printout with a different total from what you signed because 99% of my customers get confused by the stamps and document charge."
Apparently, I'm the 1%. The irony is that I specifically asked for a detailed itemization because I wanted to understand exactly what I was paying for.
He also referred to the product as "GAP+" and said the products couldn't be sold separately. Yet GAP was shown separately on the itemization while another product appeared to be included in the payoff amount. The issue wasn't simply the total price--it was how the charges and products were presented, which I found extremely confusing and, frankly, deceptive.
When I questioned him about the coverage, I had to ask the same basic question several different ways before getting a clear explanation. He eventually offered to provide me with a copy of what I actually signed, saying they do things this way because they've "been burned before." That explanation didn't make sense to me, especially since the lender had already funded the transaction.
I ultimately cancelled the GAP purchase. Since it was Sunday, I asked Jefferson to confirm the cancellation. His response was that he wasn't going to call me and that I could email him instead. His attitude and lack of professionalism were extremely disappointing.
I also spoke with a sales manager, James, who listened to my concerns, apologized, and said he would call me to confirm the cancellation. Unfortunately, I never received that call.
I will now be refinancing the loan through a credit union offering me an APR about 1% lower. Honestly, even if they had offered the same rate, I would still refinance. After this experience, I have no interest in allowing Jefferson to earn a commission on this transaction.
My advice: review every document carefully before leaving this dealership and make sure the itemized numbers match what you actually sign. Don't assume they do.
If you're buying here, ask for Chris was knowledgeable, professional, and genuinely helpful.
As for Jefferson Morgan and the finance department, my experience was unfortunately the opposite. What should have been a great experience buying a car I love was overshadowed by a lack of transparency, defensiveness, and poor customer service.