Honda of Katy T.J. in Finance and Tiffany Lively, Alex Sansango Dishonest liers Katy Texas
Honda of Katy are a bunch of crooks. Do not buy a car there, especially their finance person TJ. We purchased a car from Honda of Katy on November 7, 2014. My husband told them from the beginning we were not financing through Honda because I had been pre-approved by my credit union to pay for the car.
We needed a purchase contract to give to the credit union so they could create the payoff check. Initially they asked for a copy of my driver’s license because the car we traded in was just under my name and the financing through the credit union was just under my name. The car was purchased on Friday, Nov. 7th, the first contract they filled out only had my husband’s name, the second contract they filled out, my last name was wrong and finally the third contract was correct. As soon as I received the corrected contract on Wednesday, Nov. 12, 2014 I immediately faxed the contract to my credit union. That day the credit union overnight federal expressed the check to the dealership.
T.J., Honda of Katy’s finance person, called my husband today, November 28, 2014, 15 days after they received the check from the credit union and said he had financed the car through Honda Finance because they had not received my credit union’s check in time. I told him it had been overnight Federal Expressed to them on November 12. (the credit union has the Fed Ex delivery acknowledgement). Then, he said they had not cashed the check because the check was just under my name and not my husband’s. Why is that our fault and why didn’t he call us when he received the check?
I told him, the car we traded in was only under my name and I had filled out paperwork to get the car transferred to the dealership, they didn’t have a problem processing that paperwork with that being only under my name. I told him he had been given a copy of my driver’s license the first day we decided to buy the car and it showed only my name. How come they waited 15 days to tell us they were not cashing the credit union’s check because it was only under my name? I told T.J. it was not our fault and I was returning the car because we had 30 days to change our mind and he said we couldn’t return the car. These people are a bunch of crooks. T.J probably gets some kind of kick back from Honda Financing.
2 Updates & Rebuttals
frustratedcarbuyer
Texas,frustratedcarbuyer
#3Author of original report
Mon, December 01, 2014
I had my credit union send me the Fed Ex delivery slip and it shows the check was delivered to Honda Cars of Katy on Nov. 13th the day after the dealership gave us the correct contract. At first they told us they did not receive it. When I told them I had the delivery receipt they told me they received it late. The check was delivered six days after we signed the contract including a Saturday and Sunday.
Ms. Lively also told me it was an easy fix just have the credit union issue a new check to Honda Finance and pay it off. Well I called Honda Finance and the loan was as of November 7, and the interest rate is two and a half percent higher than the credit union and on top of that they are charging me $122.12 in finance fees to pay it off by December 11, 2014.
The credit union will not issue me another check until they stop payment on the check the car dealership has. So by the time they stop payment and reissue another check to Honda Finance I will probably owe another $122.12. On top of that they had the nerve to call us and tell us how rude we were for calling them liers and crooks. What would you call it?
FloridaNative
Palm Beach Gardens,Florida,
Yes, there is a huge commission to the finance guy
#3Consumer Comment
Sat, November 29, 2014
Contact your credit union and have them issue the payoff to Honda Financial immediately. That ought to elminate the commission he received from Honda.
Unfortunately this is a trick that many F&I guys use in the finance department thinking you will give up right away when they tell you it is financed already. Don't let this go. Make sure you get the payoff to Honda Financial right away because that is the only way to hit this finance person in the wallet. They do get paid on the back end from the lender when they throw a loan over to them and the rate is higher than the actual buy rate at which the bank will issue the loan. This back end commission can be substantial and it is time sensitive so pay it off quickly with the CU loan.
The hard part is showing that you didn't approve it because it is right in the contract that you signed. All the confusion the dealership put you through was by design: to take you off guard so you didn't actually review the final contract. Good luck in getting this straightened out.