Complaint / review text:
I had gone to Auto World in July of 2010 and spoke with about getting a car for myself. I had a few choices and he ran my name to see if I would be approved. I wasn't and he told me I would need a cosigner. So I went back about 2 weeks later to see if my boyfriend was an eligible cosigner. Throughout the entire 2 hours I sat there, all he kept saying was, "This is looking good... Looking good" and told me to come back the next day.
Then the game of telephone began and he had called my cell phone and my work phone to ask more questions. The entire time, my understanding is that I will be the primary on the car.
I also discussed that I couldn't pay anymore that $250 a month and I was told, "No problem. I'm working on it." I went down the next day with my cosigner, ready to "seal the deal." What turned out was my boyfriend would have to have the loan and I would be the cosigner but the payments will be under my account and I can have the car and loan all in my name in 6 months.
My payments would be $470 a month, which was twice the amount I was able to pay. He had convinced me to enroll in IntelliPay which would be bi-weekly payments, my payments would be reduced to $300 after 6 months, and that my first payment wasn't due until September... So I had time.
I ended up driving off the lot with a brand new Kia Forte Coupe and couldn't have been happier. I was told that I would receive the registration and title in the mail and that I wouldn't have my 1st payment until mid-September.
When I drove off the lot with my new car on 7/29, they told me that I would have to come back the next day to set up payments. I went back and got my paperwork only to see that my 1st full payment of $470 was due on 8/20, which was not what I was told. So I go home with my car, was congratulated again and gave $100 in cash, but I still owed $300 is registration fees.
The following week I went on vacation and every single day I received phone calls from the bank, the agent and from the finance manager as well as text messages from them saying that I was going to lose my car if I don't call back. When I called back, he said that their was an issue with the insurance and that it was easily fixed and everything was fine.
That was 2 weeks ago. Now for the past week, I've gotten calls saying its an emergency. He was with a customer whenever I called and never called back. Finally, I got in touch with the finance manager who said they need the car to scan it and register it to do inventory on the car. Then that turned into, "The bank denied your loan. You have to bring your car back now or it will be repossessed tomorrow."
I left the lot with that car on 7/29 and on 8/19 they tell me the loan was denied. I had to empty out my car of all my belongings and return it after a month of being told it was my car. They told me I would receive my old trade in and all my money back. They gave me a loaner car until they got my old car back from Nassau County. They took my Kia keys out of my hand and handed me keys for a loaner Maxima that's falling apart and took my Kia away, saying that I'll get all my money back the next Tuesday.
Now the next day, 8/20, I get charged the $470 for my 1st payment. So now I'm paying for a car I no longer have and when I contacted the bank they informed me that the loan was declined and that I would have to get my money back from IntelliPayment, which is a completely different company.