The Truth
Mesa,#2UPDATE Employee
Sat, August 23, 2008
I was personally involved in this deal professionally for Priscilla, and the following are the real facts (without fabrication) 1) It doesn't profit a dealer at all when a customers credit is un-approvable. In fact, it costs them money, sometimes large sums to bring one back. There is the mileage put on the car, depreciating it. The car in un-available to sell to a credit-worthy customer, costing sales. There is the wear and tear of someone driving it. There are manpower hours wasted that could have been used to assist a different customer. And God forbid, a poor credit customer that is un-approvable wrecks the car. A dealership can only hope that customer keeps their insurance up. 2) Arizona is a spot-delivery state, and one of the most competitive markets in the nation. If a dealer thinks a customer has a chance of getting them approved, they take the car home (unlike areas such as New York where there is a 72 hour cooling-off period where taking delivery during that time frame is avoided). The difference at Chapman Chevrolet is we don't hold their down payment hostage, we give it back. We dont charge for the use of the vehicle. Some dealers keep a customers down payment and charge for miles. Priscilla was given back every penny. 3) Chapman Chevrolet has 3 different documents a customer signs, BEFORE taking delivery that acknowledges that a deal is not complete without bank approval. Priscilla knew this, and signed all three documents. 4) Trade-ins at Chapman Chevrolet are parked in a holding pen with razor wire and round the clock security until the deal is completely clear. Chapman Chevrolet did nothing to Priscilla's trade, she got it back the same way she brought it to us. Because she was creating a scene and spewing obscenities in the showroom, we decided we would fix and/or take care of her concerns just to put this all to bed. 5) After going WAY BEYOND any reasonable consumers expectations without fault, I for one am deeply disappointed she is still upset. Chapman Chevrolet is one of the finest family-owned dealerships in the U.S.A. - and in good standing with the Better Business Bureau of Arizona. 6) I would reccomend to any reader that has credit difficulties to request to be pre-approved if you are worried about the disappointment of having to return a vehicle. Any dealer that cares about you will do that without a financial commitment, certainly us here at Chapman Chevrolet will. Thank you for considering our side of the story.
The Truth
Mesa,#3UPDATE Employee
Sat, August 23, 2008
I was personally involved in this deal professionally for Priscilla, and the following are the real facts (without fabrication) 1) It doesn't profit a dealer at all when a customers credit is un-approvable. In fact, it costs them money, sometimes large sums to bring one back. There is the mileage put on the car, depreciating it. The car in un-available to sell to a credit-worthy customer, costing sales. There is the wear and tear of someone driving it. There are manpower hours wasted that could have been used to assist a different customer. And God forbid, a poor credit customer that is un-approvable wrecks the car. A dealership can only hope that customer keeps their insurance up. 2) Arizona is a spot-delivery state, and one of the most competitive markets in the nation. If a dealer thinks a customer has a chance of getting them approved, they take the car home (unlike areas such as New York where there is a 72 hour cooling-off period where taking delivery during that time frame is avoided). The difference at Chapman Chevrolet is we don't hold their down payment hostage, we give it back. We dont charge for the use of the vehicle. Some dealers keep a customers down payment and charge for miles. Priscilla was given back every penny. 3) Chapman Chevrolet has 3 different documents a customer signs, BEFORE taking delivery that acknowledges that a deal is not complete without bank approval. Priscilla knew this, and signed all three documents. 4) Trade-ins at Chapman Chevrolet are parked in a holding pen with razor wire and round the clock security until the deal is completely clear. Chapman Chevrolet did nothing to Priscilla's trade, she got it back the same way she brought it to us. Because she was creating a scene and spewing obscenities in the showroom, we decided we would fix and/or take care of her concerns just to put this all to bed. 5) After going WAY BEYOND any reasonable consumers expectations without fault, I for one am deeply disappointed she is still upset. Chapman Chevrolet is one of the finest family-owned dealerships in the U.S.A. - and in good standing with the Better Business Bureau of Arizona. 6) I would reccomend to any reader that has credit difficulties to request to be pre-approved if you are worried about the disappointment of having to return a vehicle. Any dealer that cares about you will do that without a financial commitment, certainly us here at Chapman Chevrolet will. Thank you for considering our side of the story.
The Truth
Mesa,#4UPDATE Employee
Sat, August 23, 2008
I was personally involved in this deal professionally for Priscilla, and the following are the real facts (without fabrication) 1) It doesn't profit a dealer at all when a customers credit is un-approvable. In fact, it costs them money, sometimes large sums to bring one back. There is the mileage put on the car, depreciating it. The car in un-available to sell to a credit-worthy customer, costing sales. There is the wear and tear of someone driving it. There are manpower hours wasted that could have been used to assist a different customer. And God forbid, a poor credit customer that is un-approvable wrecks the car. A dealership can only hope that customer keeps their insurance up. 2) Arizona is a spot-delivery state, and one of the most competitive markets in the nation. If a dealer thinks a customer has a chance of getting them approved, they take the car home (unlike areas such as New York where there is a 72 hour cooling-off period where taking delivery during that time frame is avoided). The difference at Chapman Chevrolet is we don't hold their down payment hostage, we give it back. We dont charge for the use of the vehicle. Some dealers keep a customers down payment and charge for miles. Priscilla was given back every penny. 3) Chapman Chevrolet has 3 different documents a customer signs, BEFORE taking delivery that acknowledges that a deal is not complete without bank approval. Priscilla knew this, and signed all three documents. 4) Trade-ins at Chapman Chevrolet are parked in a holding pen with razor wire and round the clock security until the deal is completely clear. Chapman Chevrolet did nothing to Priscilla's trade, she got it back the same way she brought it to us. Because she was creating a scene and spewing obscenities in the showroom, we decided we would fix and/or take care of her concerns just to put this all to bed. 5) After going WAY BEYOND any reasonable consumers expectations without fault, I for one am deeply disappointed she is still upset. Chapman Chevrolet is one of the finest family-owned dealerships in the U.S.A. - and in good standing with the Better Business Bureau of Arizona. 6) I would reccomend to any reader that has credit difficulties to request to be pre-approved if you are worried about the disappointment of having to return a vehicle. Any dealer that cares about you will do that without a financial commitment, certainly us here at Chapman Chevrolet will. Thank you for considering our side of the story.
The Truth
Mesa,#5UPDATE Employee
Sat, August 23, 2008
I was personally involved in this deal professionally for Priscilla, and the following are the real facts (without fabrication) 1) It doesn't profit a dealer at all when a customers credit is un-approvable. In fact, it costs them money, sometimes large sums to bring one back. There is the mileage put on the car, depreciating it. The car in un-available to sell to a credit-worthy customer, costing sales. There is the wear and tear of someone driving it. There are manpower hours wasted that could have been used to assist a different customer. And God forbid, a poor credit customer that is un-approvable wrecks the car. A dealership can only hope that customer keeps their insurance up. 2) Arizona is a spot-delivery state, and one of the most competitive markets in the nation. If a dealer thinks a customer has a chance of getting them approved, they take the car home (unlike areas such as New York where there is a 72 hour cooling-off period where taking delivery during that time frame is avoided). The difference at Chapman Chevrolet is we don't hold their down payment hostage, we give it back. We dont charge for the use of the vehicle. Some dealers keep a customers down payment and charge for miles. Priscilla was given back every penny. 3) Chapman Chevrolet has 3 different documents a customer signs, BEFORE taking delivery that acknowledges that a deal is not complete without bank approval. Priscilla knew this, and signed all three documents. 4) Trade-ins at Chapman Chevrolet are parked in a holding pen with razor wire and round the clock security until the deal is completely clear. Chapman Chevrolet did nothing to Priscilla's trade, she got it back the same way she brought it to us. Because she was creating a scene and spewing obscenities in the showroom, we decided we would fix and/or take care of her concerns just to put this all to bed. 5) After going WAY BEYOND any reasonable consumers expectations without fault, I for one am deeply disappointed she is still upset. Chapman Chevrolet is one of the finest family-owned dealerships in the U.S.A. - and in good standing with the Better Business Bureau of Arizona. 6) I would reccomend to any reader that has credit difficulties to request to be pre-approved if you are worried about the disappointment of having to return a vehicle. Any dealer that cares about you will do that without a financial commitment, certainly us here at Chapman Chevrolet will. Thank you for considering our side of the story.
Shelly
Mesa,#6Consumer Comment
Wed, February 28, 2007
you should really learn how to read what I wrote. I never once said I did an on the spot delivery all of my customers had been approved... to understand the business you have to see both aspects of it, You obviously have not. Banks do pull their approvals for various reasons. If you don't beleive me ask a banker they will tell you it is the truth. they have what they call stips or stipulations... these are items they want and even if you have a written paper saying you make a ceratain amount of money they can choose not to accept it and the deal can go back. This is not the fault of the dealership it is just things that happen. as for the paper work when a deal is billed it is broken down and worked through and repacketed for the dealership files there is room for error. I never said it was right. and for the first posting on here saying dont drive it off the lot try returning after you have sighned the paperwork arizona happens to be a state where the deal is final once you have sighned however this is subject to change on the banks discretion and no one elses I.E. if they choose not to fund as they had originally stated. you need to learn more about the business before you decide thet it is one orginizations fault entirely.
Nate
Malibu,#7Consumer Comment
Thu, December 21, 2006
Steve hit the nail on the head on this one. Shelly is a perfect example of everything that is wrong in the auto sales industry. I do have to add one correction to Shelly's rebuttal: Sending a buyer home in a new car that does not have fianancing already in place is a SCAM! You send these poor people home with a grin on their face in a new car that they think is theirs. They show it off, they switch their insurance over, etc. And you get a denial from the bank. So, you 'help' them by lying to them to get them back in (we lost the paperwork, more paperwork is needed, etc.). Then you write up a different deal that is more unfavorable for them, lie to the bank about their income, and submit it again. Then when all that fails, you tell them to come back again for 'more paperwork', ask them for the keys back, and tell them they cannot be approved for that car. You are truly no loss to the automotive trade. Scamming people is one thing. Scamming people and deluding yourself into believing that you are helping them is sickening. One good thing though is that some states are passing legislation and regulations to stop spot delivery scams.
Steve
Bradenton,#8Consumer Suggestion
Wed, December 20, 2006
Shelly, That is the biggest bunch of BS I have ever heard! Stop blaming the customer for the underhanded tactics of the dealership slimeballs. Spot delivery is the biggest scam going, and it is NEVER in the interest of the consumer! It is ALWAYS in the interest of the salesperson and the dealership. Spot delivery is such a problem, it should be illegal. Consumers: NEVER take possession of a vehicle until you have a loan approved, AND a fully executed loan contract in your hand. This will clearly identify who the lender is, the amount financed and the amount of the monthly payment and due date, etc.
Steve
Bradenton,#9Consumer Suggestion
Wed, December 20, 2006
Shelly, That is the biggest bunch of BS I have ever heard! Stop blaming the customer for the underhanded tactics of the dealership slimeballs. Spot delivery is the biggest scam going, and it is NEVER in the interest of the consumer! It is ALWAYS in the interest of the salesperson and the dealership. Spot delivery is such a problem, it should be illegal. Consumers: NEVER take possession of a vehicle until you have a loan approved, AND a fully executed loan contract in your hand. This will clearly identify who the lender is, the amount financed and the amount of the monthly payment and due date, etc.
Steve
Bradenton,#10Consumer Suggestion
Wed, December 20, 2006
Shelly, That is the biggest bunch of BS I have ever heard! Stop blaming the customer for the underhanded tactics of the dealership slimeballs. Spot delivery is the biggest scam going, and it is NEVER in the interest of the consumer! It is ALWAYS in the interest of the salesperson and the dealership. Spot delivery is such a problem, it should be illegal. Consumers: NEVER take possession of a vehicle until you have a loan approved, AND a fully executed loan contract in your hand. This will clearly identify who the lender is, the amount financed and the amount of the monthly payment and due date, etc.
Steve
Bradenton,#11Consumer Suggestion
Wed, December 20, 2006
Shelly, That is the biggest bunch of BS I have ever heard! Stop blaming the customer for the underhanded tactics of the dealership slimeballs. Spot delivery is the biggest scam going, and it is NEVER in the interest of the consumer! It is ALWAYS in the interest of the salesperson and the dealership. Spot delivery is such a problem, it should be illegal. Consumers: NEVER take possession of a vehicle until you have a loan approved, AND a fully executed loan contract in your hand. This will clearly identify who the lender is, the amount financed and the amount of the monthly payment and due date, etc.
Shelly
Mesa,#12Consumer Comment
Tue, December 19, 2006
You talk about car dealers as if they are bad and the root of all evil. You knowingly went to a dealership to try and purchase a car. DO YOU LIKE THE VEHICLE YOU HAVE? IF SO WHY COMPLAIN? I undertand you felt scammed or duped or whatever but in the end do you like what you're driving because thats what matters. Yes, there are shady dealerships out there but there are shady consumers too. People don't pay their bills for one reason or another and that inhibits their ability to get a good car loan. That is the consumers fault. I have sold cars and I have bought cars. I have told the customer go home until we get you approved with a signed contract... do you know what happened? THEY NEVER CAME BACK.... Imagine that! Most people want something for nothing and there is not anything wrong with that. However complaining and making the company the bad guy is. the second rebuttle on here is just someone with too much time on thier hands I mean who looks all of this up? do you havce bad credit? from what I read you got the vehicle you wanted and still have it. You may be offended by actions and they way you were spoken to but GET OVER IT!!! that is life. I dont complain at the grocery store when I have to pay full price for my items its the same d**n thing. I do sympathise with you and feel bad that you had a bad expirience buying a car but when I was in sales people were always wanting something for free. The banks can come back on a car deal after the delivery requesting more paperwork. it is not the dealer it is the banks so when you dont get approved talk to the banks not the dealer they are trying to help you
Stick
Phoenix,#13Consumer Suggestion
Thu, January 27, 2005
Priscilla, Now it's my turn. If I were you I would make sure that your Isuzu Rodeo loan is up to date. Many car dealers will drop car buyers in what is called a "Spot Delivery" or what a few call a "Yank" You know what I mean by now I am sure. They make you think your loan is approved for a few days or weeks, They then YANK you back to the scene of the slim and Kick you out of what you thought was your new sled, I mean car. Come on Mr. car dealer and tell the truth. You and I both know that many car dealers put some people in "Spots" or "Yanks" because F&I people don't want their UP's to slide down to the next "Sled show" and buy from competition. Maybe car dealers just want to hold on to their UP's until they have run their Buyer's credit through every last lender they can get their fingers on. Not to mention that the buyers credit score slides down the mountain side like a turd from a bully goat. Tell the truth about "Spots" and "Yanks." Its a game that is used in the auto industry to keep the buyer from buying some where else and you know it. Ever see a mortgage company dump a home buyer in a "Spot" or "Yank"? No because the home buyers would be pissed in a big way if they take days off from work to move in a nice home and then were told to pack their s**t after a few weeks and move out. Car dealers can do this crap because they have a big long list of well paid lobbyist that keep laws from being passed to stop this kind of s**t. Don't try to BS me! Nor do we have any AG's in this country that will kick some car dealer a*s. Maybe there is a movement of money come election time that car buyers don't know about. Why not tell the buyer to go home and have a nice night on the town and we "WILL CALL YOU AFTER WE GET YOU APPROVED" and for the buyer to come back and take delivery of the new or USED SLED! You can't do that, you are afraid that they will jet down to the next "SLED SHOW" and get hammered into some other dealer's Spot or Yank. We can't have a dealer down the road get a good hold of our UP's Priscilla many car dealers love this Yank process. It's used to keep or take the car buyer off of the market. It helps keep a buyer from buying a car from the next "Sled Show" Down the street. Take some time and read the Rip Off Reports on what BS the car buyer has to deal with to get their trade in back or how much BS they have to deal with to get their down payment money back. Again don't try to BS me Mr car dealer! Hey Mr Honest Car salesman what can we call this one? Maybe "we forgot to pay off the car Buyer's TRADE! http://www.badbusinessbureau.com/reports/ripoff89428.htm Car Buyer's trade in falls in a REPO HOLE! http://www.badbusinessbureau.com/reports/ripoff89397.htm Hey Mr car dealer what can we call this one? Maybe "Forged my signature' http://www.badbusinessbureau.com/reports/ripoff88651.htm Can we call this one "contracts of many colors Mr car salesman or maybe " new contract to sign? http://www.badbusinessbureau.com/reports/ripoff88289.htm In many states we do NOT have anybody that will pass a 3 day cooling off period. In other words once you sign all documentation you are TOAST if you change your mind. Car dealers do not want you to slid to the next "Sled Show" down the street O I mean their competition. Car dealers playing with the car buyers Credit application after the buyer is long gone home. They try to make the car buyer look better in the bank's eyes so the car dealer is sure to get the buyer approved, even if the car dealer has to play the FRAUD GAME! I am sure you want proof, so go to the rip Off Report and see for yourself. You tell me what you think! Can we all say FRAUD? www.badbusinessbureau.com/reports/ripoff52158.htm Car dealers telling car buyers that if they do not buy the extended warranty they will not get the lower interest rate. And Some car dealers will get the buyer to agree to a warranty during the signing in the "BOX" and then a few days later behind the car Buyer's back they never pay for the warranty they sold to the car buyer. They keep the money. www.badbusinessbureau.com/reports/ripoff84186.htm Priscilla you are not informed of the scams in the auto industry because your local talk radio and local news papers will not bring this kind of info to the public. You ask why I bet! Because the media (TV stations, Talk Radio and newspapers) Do not want to upset the car dealers that are ripping you off! Advertising money is so much more important then informing consumers. You then have to ask Who is on your side when it comes to car dealers. Ripoffreport.com is! Some in the media will say that Car dealer scams are not news! Other types of scams are. Why not car dealer scams? That being said. Hey all of you Ripped off Car buyers can thank your local Media! If you want to put what I say to the test, Contact these fine folks at KFYI 550 AM and ask if what I post is true. Call them up 602-258-5394 or email them all and ask why is it that they will not chat LIVE on the air about car dealer scams and Rip off's. Email them all. Put them TO THE TEST! [email protected] [email protected] [email protected] [email protected] [email protected] Many car dealers do not care about the car buyers. They only care about the bottom line! PROFIT. Nor do car makers care as to what car dealers do to the car buyers, just as long as Sleds are MOVED! Want Proof? Hit this link! www.badbusinessbureau.com/results.asp?searchtype=1&q1=946&q3=&q2=&submit2=Search%21 Priscilla go get a cold beer and have some fun reading more car dealer Rip Off Reports. www.badbusinessbureau.com/results.asp?searchtype=1&q1=38&q3=&q2=&submit2=Search%21 Priscilla don't forget to put the above media people to the test! You will see what I am saying is true!
Susan
Phoenix,#14Consumer Suggestion
Wed, January 26, 2005
I read with interest of the mess that came of your deal with Chapman Isuzu - and have a couple of suggestions on how we can prevent others from having the same thing done to them: 1) Don't DRIVE the car off the lot when you buy one until the financing papers are in order. If it means getting pre-approved first and then picking out a car, it's safer, and there is less room for this type of incident. Car dealers WANT you to get into the car and take it home - and figure if you have to come up with more money to make it work, you will - you already HAVE the car and don't want to take it back. 2) Call the Attorney General's Office in Arizona. Talk to them about filing a bad faith claim.