• Report: #1056697

Complaint Review: Daytona Toyota

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  • Submitted: Wed, June 05, 2013
  • Updated: Thu, June 06, 2013

  • Reported By: Terry — Daytona Beach Florida
Daytona Toyota
451 North Nova Road-Daytona Beach, Florida Daytona Beach, Florida USA

Daytona Toyota Daytona Beach Toyota Daytona Beach Florida

*Consumer Comment: Right...Its All Their Fault!

*Consumer Comment: Terry Here's some insider information you might want to look into

*Consumer Comment: Buyer's Remorse

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 Daytona Beach Toyota 451 N. Nova Rd Daytona Beach, FL Re: 2008 Chrysler 300 VIN To Whom This May Concern: Please consider this correspondence as a formal request to negate the above-referenced car loan that I received on Friday, May 31, 2013 at the Daytona Beach Toyota Dealership in Daytona Beach, FL. I was misled into signing an agreement for a vehicle trade-in by being given false information regarding the terms of the loan. I DO NOT want the car, nor do I want to proceed in processing the loan that was presented to me on May 31, 2013. When I arrived at Daytona Toyota, I was immediately greeted by a salesman named Br. Bembry. I had come to the dealership in order to have a belt repaired on my 2006 Nissan Maxima, but Br. Bembry insisted that he could put me in a newer model car and keep the amount of my Maxima car note the same with a low interest, 60 month loan. I do not know much about math, financing or interest rates, but I have purchased three vehicles over the past twenty years from this dealership and I trusted the integrity of the people that work there. I expected them not to lie to me in order to make a sale. As it turns out, Mr. Bembry did not disclose accurate information. He told me that the agreement of the contract was for a 60 month term when actually the agreement for 72 months. I was misled, and he failed to disclose that the contract was for 72 months as the contract was being negotiated. Additionally, it wasn’t until I got home with a 2008 Chrysler 300 that Mr. Bembry said was such a “deal” that I realized that I was guided the wrong way. I know that you can feel my pain. I returned to car lot on Saturday morning, June 1, 2013, to return the car and pick up my vehicle because I was unhappy with the terms of the contract that I had discovered the night before. Mr. Bembry told me that he had no intentions of releasing my vehicle or voiding out the contract. I am very upset because I have been victimized by Mr. Bembry and the Toyota dealership because he lied to me. I am a retired senior-citizen in need of an additional part time job in order to meet my current bills and financial obligations and I DO NOT want this car or the higher note that accompanies it, nor do I want a longer loan term. According to Blue Book, my Nissan Maxima is currently valued more than the Chrysler that I was duped into taking home on the previous day. Now I want to return the car and get my old car back. I would not have signed over my car and agreed to take the Chrysler 300 had I known the true terms of the agreement. Thank you, in advance, for cancelling this loan transaction before it is processed. Please reach out and help me. Sincerely,


This report was posted on Ripoff Report on 06/05/2013 02:32 PM and is a permanent record located here: http://www.ripoffreport.com/r/Daytona-Toyota/Daytona-Beach-Florida-32117/Daytona-Toyota-Daytona-Beach-Toyota-Daytona-Beach-Florida-1056697. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Right...Its All Their Fault!

AUTHOR: Jim - ()

You sign a contract obligating yourself legally to terms and conditions....terms and conditions YOU don't even bother to read.  Then you blame the salesman, age, math and who knows what.  PLEASE...get yourself a keeper! 

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#2 Consumer Comment

Terry Here's some insider information you might want to look into

AUTHOR: Auto dealer fraud Investigator - ()

Terry a lot of dealerships will lie to customers just to make the deal FLY.  Now I'm going to give you some information step-by-step to find out if you are in what might be a fraudulent auto loan I can't tell you that you are or you are not, you will soon find out. 

First of all who filled out the credit application did you fill it out or did the car salesman fill out the credit application ?  There is a reason why sales people like to fill out the credit application for you.  They want the credit application in their penmanship.  That way when they write something down they can say that's what you told them.

Now what you do is you go to your auto lender and ask them for a copy of the information that they received from the dealership when processing your auto loan.  Tell the lender that your dog chewed up your address book and your day planner and you need to get some of that information to rebuild your day planner And your address book.

I'm sure that the dealer never gave you a copy of the credit application that was used to process your auto loan at the dealership.  I'm sure you have some kind of an idea what was written down on the application when you bought your car.  I know a particular dealer Chevrolet dealer in the United States that submits fraudulent auto loan documents to lenders behind the customers back to get loans approved. This particular Chevrolet dealership was informed by the customer that the customer only need $1200 a month gross income.  Which means this customers take home pay was probably close to 900 a month.  The dealership told the bank that the customer made over $5000 a month income.  So in this case the dealership was willing to commit wire fraud to get a loan approved

I was able to get the customer out of this deal because I proved to the lender that the dealership lied to the lender to get the loan approved. In this particular case the customer did have a copy of the credit application she filled out the day she bought her car and in her penmanship she told the dealership only made $1200 a month gross income. I told the customer to get a copy of the credit application Information that the dealership submitted to the bank. I told this lady to make sure she gets a copy of that information from the bank. The bank was Huntington national Bank based in Ohio.

Once she got a copy of the data that the bank sent her and she had a copy of the credit application that she filled out when she bought the car she seen the difference I told her that they were able to do this because the bank would not look at the deal because she had such great credit.   Most of the time lenders do not take a huge microscope to a deal if a customer has great credit.  most of the time will just approve the deal Based upon what's been served up to them and that they've got a beautiful credit report on the customer. 

So call up your lender until the lender that your dog chewed up your day planner and you need some of the information that they have on file to rebuild your address book regarding references.  Also did the dealership sell you an extended warranty or maybe a LoJack or maybe some kind of all credit life disability insurance In the finance office when you were signing all the paperwork ?  Did you pay cash for those extras or did they finance it ?

If those extras were financed and they want itemized on the contract the dealership could've done what's called payment packing it's against the law. If they sold you these extras make sure that your lender knows about these extras that were financed in the deal but never itemized on the documentation.  Go Google payment packing when financing a car.  What a dealership does payment packing it's against the law the dealership is supposed to inform the lender of everything that you're purchasing and everything that's being financed all has to be itemized.

I know there a lot of people to post comments on these reports that have no clue what they're talking about I do.  Law firms across the country that represent consumers that are victims of auto dealership fraud hire me as an expert witness to help them win cases against car dealers that rip consumers off. I tell you this so you know that I know what I'm talking about.

Also you might want to contact the customer relations department at Toyota motor Corporation and ask them if they have your correct address on file. There's a reason for that because if there's a safety recall notice on your car Toyota motor Corporation needs to know your correct mailing address. That way if there's any safety recall notices they can send them to you.

Some dealerships don't want customer to get what's called a CSI survey in the mail from the automotive manufacture. So what they do is falsified RDR records and put false addresses on there when they ship that data over to Toyota motor Corporation or any other auto dealer to prevent you from ever getting any CSI survey. They don't want their unhappy customers to tell the manufacture how poorly the customer was treated.

We have to remember sales people in auto dealerships and other industries and finance managers in auto dealerships two deals every day so they tell each other in many cases how to take advantage of the consumer in the new tactics that some have developed.  Many of the scans in the auto industry are not revealed to the public with television newspapers and radio because that's where most of that media get their advertising dollars so consumers are not going to be informed of current scams in the auto industry. 

I really don't believe that you have buyers remorse I understand where you're coming from when they told you 60 months but they contracted you at 72 months. I'm sure they didn't have a highlighter and highlight the 72 months on the contract so you would know how long the term was.  

I sincerely hope the information that I have posted here is very helpful to you. Next to all who were thinking of buying a new or used car.  If you're thinking about buying a car stay away from tent events. When most dealerships have a tent event they do not bring the weak sales people to that tent event sale.  They bring the sales people that have the ability to rip peoples heads off 

Auto dealers spend big money to have to have tent events it's a costly event and they want to make sure that every customer possible is sold a car. So they are not going to bus over the week pukes to the tent event that can't sell anything. Most of the time when you go to a tent event you're only going to talk to a shark that has the ability to chew you up and spit you out and dump you in to a car deal. 

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#3 Consumer Comment

Buyer's Remorse

AUTHOR: Robert - ()

You have a severe case of Buyer's Remorse...unfortunatly that is not a reason to void a contract.

Unless you signed a blank contract(which being a retired senior citizen one would think you would know better), ALL of the terms were disclosed for you to read BEFORE you signed the contract.  

The time to decide if you can afford the payments is BEFORE you sign.  The time to decide if you want a 72 month loan is BEFORE you sign the contract.  The time to decide if they are giving you what you think you should get for your trade is BEFORE you signed the contract.  Because once you sign the contract...it is your car.

If you know you are not good at math..then it is YOUR responsibility to bring someone with you who understands it. 

Unless there was some other sort of fraud that you can prove an Elder Abuse siituation, hope you enjoy your new car.  Oh and what would those cases be?  Well if you put on your application something like you had an income of $500/month and they gave you payments of $600/month.  Or if you have a 6 year loan and you are 100 years old right now.

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