
Lisa of Jacksonville, FL on June 21, 2010
On 6/2/10, I went in to the Kia Dealership of Orange Park in Jacksonville, FL to see if I could get financed for a car. They showed me a 2010 Kia Fonte SX. They had a special event on every Wednesday which does not require a credit check. So I fill out the necessary form for that which instead, it would require me to put down 65% of the $23,264.35 the price of the car. The salesperson asked me if was sure if I wanted them to do a credit check. I said ok. He came back with another man, they told me I was approved for that car. The statement, a monthly payment of $570.00 a month, I disagree and told him it was too high.
Then he told me this is what I can do, I give you $1,800.00 for my trade-in plus the rebate offer and he drop the monthly payment down to $470.00 a month. They lied and only gave me $500.00 for my car. They also told me it would have built my credit score higher and I only have to make those payments for eight months then get refinanced. I told him, I will think about it but I had to go pick up my kids from school. I can go home did my calculated my monthly bills and saw that I could make the payments and pickup my kids and headed back to the Kia dealerships. To inform then I was willing accept the deal. I fill all the finance form transfer my new car onto my insurance to my old car off which raised my rate. I got the car that evening. I was so excited and so were my kids. The next day, I get a call from then asking could I get a co-signer.
So, I contacted my mom, she came over that evening and we went back there we both sign all the forms over again. I did not hear from them until two weeks later, they call me the morning of 6/16. I talk to a man named Chuck. He said to me they finally have my loan worked out and if I could come up there that day. I told him I'd be up there at 2PM. Once there, I asked for Chuck and then gave my file to another man who took me back in the office and told me my mom didn't go through. Could I find another person who could co-sign for me? I call someone else they give him their information and told me no he would not work out either. I then call my sister at work. It was hard for me to get in contact with her but when then, finally did he was out of the office and it was hard to reach her again so my daughter came there. She was also considering getting a car from the day after I got my car and was also approved, they even told her to have me co-sign for her and that she can do the same for me. She had just paid off her car a year ago. She told him that I just co-sign for my mom. He looked her name up in their computer and told her no too. Then, he told me well since we couldn't get in touch with your sister you have to give the car back. I had no choice but to do so.
I am a mother of 4 and on disability. Who only was penalized for not having a limited credit history. Since I paid off a car back in 2002 and didn't apply for any more credit since then. I have a excellent credit history with all the company that I paid my monthly bills too. Also, all the places that I had rented from. My mom has been working with the state of Florida for 25years and had just been approved for a home. I don't understand why I didn't get approved and why it took them two weeks to tell me so. I thought they suppose to have you approve before they let you have a car. The sales tax is cruel and devastating to me, who just want a chance and a reliable car to drive. They should not tell people they are approve when they are not.
The economic damage was that I lost money, changes my car insurance back and forth. The physical damage it caused me and my family. It left me into a depression state, the embarrassment, and the hurt it caused my autistic daughter who don't understand why they took her mommy's car away.