Camelback Hyundai Camelback Hyundai Kia Screwed me with No Vaseline and I survived! Phoenix Arizona
Camelback Hyundai Kia should not be trusted by ANYONE, especially if you are not familiar with the ins and outs of purchasing a vehicle. Initially my experience was good. I met with their sales person who identified himself as “the Hawk” and we made a connection via telephone and via email which is what I was looking for so I didn’t have to spend 15 hours of my life that I’ll never get back drinking bottled water and eating popcorn, as many dealerships do.
The first car he showed me was a late model car with low miles that appeared to be a returned lease. It was clean, despite being covered in dog hair (I hope it was dog hair), and having a slight odor that no amount of Febreze and other air fresheners can conquer, I haggled with him on the price trying to be sure to over extend myself, and we came to an agreement. He took me into the finance department and this is when the shenanigans began.
Darlene Pizano, in finance chased my fiancé’ out of the room telling me that we were going to discuss private matters, and two weeks later she advised me that everything that occurred in her office was recorded for both of our protection but didn’t advise me of that at the time. It was a case of the old bait and switch. She busied me with filling out things like references, that I had already done two times prior to arriving in her office and sending her emails of income statements (that I also provided copies of prior to coming to her office), and although I wondered where they had went and why I was providing information in triplicate she ran through her speech which involved me signing and initialing but her not providing very much detail at all.
A week later when the finance company called, I learned that the $401.00 payment I agreed to turned into a $470.00 payment. They told me to lie to finance company about my down payment, and they told me that I was enrolled in bi-weekly payments to help me ‘manage’ the payment better. I found out later that their “program” was a 3rd party that they signed me up for who neither I or the finance company had ever heard of who’s 1st month installments would have totaled over $944.00 for the first month… So much for the “help” needed to balance my payments, huh? When I called the finance manager “Gary” about the inconsistencies (i.e. flat out lies) he quickly brushed me of the telephone telling me that Darlene would follow up with me at 12:00 noon that day when she came in and apparently doesn’t have voicemail so you can leave her a direct message.
Darlene called back once, told me mouthful of LIES, and told me to say ‘yes’ to everything the finance company said, and I haven’t heard from her since despite all of the calls, and emails I have made to the dealership. I found out from the finance company that the loan was funded, and I cancelled that crap 3rd party bs, and now that the loan is funded and I only have to work with the lender, I would hope no one EVER buys anything from this place again. They are liars, they lie to the customers, the lenders, and everyone they can get their hands on and all they are about is selling a car, getting your down payment and getting rid of you.
I’m going to post this review everywhere I can, since Ms. Pizano only seems to come in once a week and the Finance Director who has no name on his voicemail and has absolutely no knowledge about anything at all can’t return phone calls and emails. I have half a mind to drive this car back to the dealership and leave it in the middle of the parking lot running with the keys in it because of their bad business practices. The customer relations manager had the nerve to leave a message for me to “congratulate” me on my purchase, when really I just managed to survive getting screwed with no Vaseline and lived to tell about it.
3 Updates & Rebuttals
Eugene
Phoenix,Arizona,
To: Auto dealer fraud Investigator
#4Consumer Comment
Tue, September 03, 2013
Dear
Auto dealer fraud Investigator,
This exact same scenario has happned to me at this dealership in regards to the financing. Camleback Kia did not put the name of the bank that they financed through on my contract nor will they tell me who it is. I have asked them for the bank information and they say that I will find out when my statement comes and not before. They say they are not obligated to tell me who financed my loan and that I agreed to that when singing my contract with them. I want to contact the bank to ensure that they did not receive fraudulent info from the dealer. Is there any way that I can determine who the bank is that has financed me or do I really need to wait until I get a statement in the mail to learn who it is? Thanks!
Jim
Florida,You're No Better Than The Dealer!
#4Consumer Comment
Tue, July 23, 2013
So then, the big bad dealer wanted YOU to lie to the lender? Did you refuse to do so? Nope! You went along with the FRAUD and DECEPTION of the lender. I hope the lender finds out about the scam the BOTH OF YOU pulled on them. I'm sure you'll feel real nice about the CRIMINAL CHARGES filed against you.
Auto dealer fraud Investigator
Scottsdale,Arizona,
Miss Vicki this information is for you
#4General Comment
Mon, July 22, 2013
When the finance manager tells you to lie to the bank that means they probably themselves have already lied to the bank about the deal. There is a way to cause trouble if you find fraud now I'm going to tell you how to find out If the dealership participated in fraud behind your back. I'm sure the dealership will refuse to give you a copy of the credit application that you filled out. They don't want you to have a copy of that and they certainly do not want you to get a copy of what the dealership submitted to the bank to get the loan approved. Most of the time is because those two documents would not match. I catch dealers doing fraud all the time.
Now contact your bank and ask for a copy of the credit application that they received from the dealer. Also make sure you get a fax number to the bank's fraud department. Fax proof of income to the banks fraud department. You want to do this because if the dealership submitted fraudulent documents to the bank and falsified your income that's wire fraud. Also if the dealership sold you a bunch of extra crap and financed it in with the deal and never itemized those items on your contract that's called payment packing that is illegal.
You need to build a relationship with the bank that you were going to be making your payments to you also need to get as much information from the bank regarding the data that the dealership submitted to the bank to get your loan approved. If the finance manager wanted your fiancé out all the office that means they did not want anybody to protect you Or maybe reveal what they thought of the deal. When a finance manager asked one of your friends or your Fiancé to leave the office that should've been a warning sign to you.
What is the name of the bank that's financing your car? Also you need to do a credit report on yourself to find out how many different lenders that this dealership submitted your data to.
Let me explain what a customer goes to a dealership and agrees to all of the numbers the finance manager will print all of those numbers on a contract that will not reveal the name of the bank that you will make your payments to. They do not want to reveal the name of the bank on the contract because they want to send your data to as many lenders as possible and here is why.
Let's say that you agree to a 15% interest rate on your car loan and it's printed on the contract. With out the name of the bank printed on the contract. That means that that dealership can send that contract to any bank that they choose. If you agree to 15% on a car loan And the dealership sends all of the data to a whole bunch of lenders and gets the bank to pass out A BUY RATE at 8% interest. That's called a point spread. The dealership get you bought at 8% but get you to agree to 15%. The dealership scoops the difference As profits called back and gross.
Now let's talk about banks and financing fraud. Often many car buyers do not financially qualified to buy the car of their choice. Finance managers know this but they will not tell the customer that the bank Will not approve the deal. So instead of crapping out the customer that they cannot have the car of their choice. Is the finance manager knows the customer does not make enough money to qualify for the car of their choice. If the customer has good credit the finance managers often send fraudulent documents with fabricated information on them about your income to lie to the bank to get the bank to do the deal.
Huntington national Bank in Ohio the fraud investigator named Jackie knows very well what I'm talking about. They actually made a local dealership by about a car loan and take the customer out of the deal seven months After the date of purchase. Huntington national Bank made a. Local car dealer give all that money back to the bank and the reason was the bank did not want fraudulent loans on their books.
Many car buyers are currently in fraudulent auto loans and they do not know that. All you have to do to find out if you are a victim of predatory lending tactics that include fraud is to contact your automotive lender and request copies of the documents that the dealership submitted to the bank when they got the deal approved. Most of the time finance managers will stretch the truth or lie to the lender about your income and make the bank believe that you make more than you actually do. If a bank contact you and ask you questions about the deal before they fund the deal tell the truth do not let the dealership get away with lying to the bank.
When the dealership tells a lender that you make more money then you actually do, they are setting you up for financial failure and they also prevent the bank from going by their guidelines as to whether they should or should not lend you the money to buy the car.
I tell people every day never sign a contract that does not have the banks name printed on that one contract. If the contract has the banks name on it that means you definitely know who you are gonna be making your payments to. If the contract does not have a banks company name printed on it that means the finance manager is more than likely going to take a shotgun to your credit report and send your data to a whole bunch of lenders which in turn will also pull a credit report on you. When that happens it does your credit report no good.
The finance manager is a guy didn't actually hurt you in a big way and you will never be told what happened to you. No radio station in the valley will ever tell you what I am willing to tell you on this website. No local radio talk show host Will never tell you the inside dirty secrets to the auto industry because he get most of the advertising from car dealers. I challenge you to find any local TV station that will do a story on auto financing fraud. THEY WILL never do that because they do not want to lose advertising dollars from car dealers. That being said, the media does NOT want to protect consumers From scams in the auto industry.
If you take my advice and contact your lender and ask them for the data information that the finance manager sent to them to get your loan approved you might find something fishy. If anybody tells you to lie to a bank that means they are participating in fraud and even possibly wire fraud.
Now my question if you found out that you were in a fraudulent auto loan would you still want to keep the car ? Anybody that's knowingly in a fraudulent auto loan and wants to keep the car they deserve to get whatever happens to them. Setting yourself up for financial failure is easy to do in the auto industry.
I would love for you to fax over proof of your current income during the day you bought the car to the bank so they can re evaluate your deal. To me something feels fishy.
Your pain can be their gain in the auto industry. I have a question is the bank that you are going to be making the payments to do they have anywhere off reports ? I don't know the name of the bank otherwise I would've already done some homework on that banks name. If you provide proof to the bank that you do not make the money that the bank has been told that you do make and they keep you in the car deal that means they do not care about fraudulent activities from anybody.