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Report: #292444

Complaint Review: Bill Heard Chevrolet - Union City Georgia

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  • Reported By: Atlanta Georgia
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  • Bill Heard Chevrolet 4310 Jonesboro Road Union City, Georgia U.S.A.

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My son had a 1991 Dodge Dynasty that finally gave out on him and would have cost more money than the car was worth to repair. I suggested to him he might as well try to see if he could get anoter car. I took him to Bill Heard Chevrolet, Union City, GA and the salesperson sat down with us took some information came back and told us he did not have established credit that he would need a co-signer. We tried to get a co-signer but could not, and then the salesperson asked me about my credit score, and when I told them they said oh sure you can co-sign for your son.

The salesperson then told my son and I that they would go talk with the finance department to see what they could work out, and they came back and said no problem. We then went to see an individual by the name of Jose (don't have last name) who handled the final process with the papers. Since I had an open account already with the finance company, Americredit Financial Services they would put his loan through them. They came back again, and said everything is okay, no problem. We were told as soon as we get the papers drawn up you will be able to drive out in a new car. My son drove home in a 2008 Black Chevrolet Cobalt. He was completely satisfied with the deal and more than satisfied with the car.

On Monday, December 17, 2007 @ 12:20p.m., Marvin Freightman, Floor Manager, called my office leaving a message that I needed to call him it was very important and left his cell phone number (404) 512-8994. I was not at work on Monday because I was home sick. He then called my home about 12:30p.m. and told me I needed to come in so they could finalize the loan on the car. He did not say at any time on my home, office, or son's cell phone that there was a problem with the loan.

He never once said anything about the loan did not go through or that my son would have to bring the car back. I told him my son is the driver (owner) of the car, I just co-signed for him to get the car. I told him my son was at work and would not be able to come in until about 3:30p.m., Mr. Freightman said no problem. He then called and left the same message on my son's cell phone. My son and I both went to Bill Heard Chevrolet, Union City, GA and that's when we found out the bad news after we got to the dealership.

My son had the car for a week before we were ever notified that there was a problem with the loan. When I tried to sit down and talk with a Mr. Harry King, Manager Customer Relations, he sat there and told me that what happend was unfortunate but that what my son and I went through was the nature of the business. He told me he has had people who had possession of the cars for as long as 30 days, and had to return them because there was some sort of problem with the financing.

When my son and I drove off the lot with the car, before we signed one piece of paper, we were told that the financing was okay and that the deal had gone through. They said they would not have to go through other companies to try and get financing for my son's car because they would just use the same company my car is financed with, Americredit Financial Services, Inc. That company name is on all the Retail Sales Agreement that my son and I signed. They now tell us I do not qualify and that he would a different co-signer.

They said they could get him in another car, but it would be a car for under $10,000. We walked over to the Used Car Sales Office and that's when they said well because my son did not have established credit he would need to put down about $1,500 to $2,000 down. I immediately told them no that he did not have that kind of money besides you already have $400 that you took off his debit card and you retained the $1,000 rebate for the Cobalt for a total of $1,400.00 down payment.

We got up and left the dealership. I demanded to be given a ride home because we drove the Cobalt there, and was told I'll see what I can do by a Mr. Kevin Rainey. I told him no I need a ride home, and that 's when he informed me that I'm doing this as a courtesy, I don't have to provide you a ride home. We got a ride home. Another salesperson came along and took the car back.

I am pursuing possible legal actions. I have called and spoke with a Customer Relations Representative from General Motors - Chevrolet Division. One thing I do know for certain I will never set foot on Bill Heard Chevrolet's lot again no matter where they arre unless I am with an attorney. I will never buy another Chevrolet, nor will I buy a General Motors car. You don't do business like this and expect to build a rapport or customer base and expect repeat customers. They have definitely lost me.

Jocylen williams
Atlanta, Georgia
U.S.A.

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This report was posted on Ripoff Report on 12/18/2007 05:16 AM and is a permanent record located here: https://www.ripoffreport.com/reports/bill-heard-chevrolet/union-city-georgia-30291/bill-heard-chevrolet-union-city-ga-bill-heard-chevrolet-approved-my-son-with-me-co-signi-292444. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
11Consumer
0Employee/Owner

#11 Consumer Comment

You are not the only one

AUTHOR: Thom - (U.S.A.)

POSTED: Wednesday, December 19, 2007

I don't care what dealership you go to, they all do this. I am an Insurance Agent and can not tell you how many clients I have who have gone in, obtained their car, signed the papers and drove off to only be called several days later informing them to bring it back. Just because you sign the papers does not mean you have finished the purchase on the vehicle. The financing must be paid before the deal is finalized.

Numerous dealerships "shop" the rates you will be paying for the car. You see, dealerships sell the loan to a lender for a set percentage based on your credit. Anything above the buy rate from the lender is bonus for the dealership. If another "buyer" comes in with a lower rate the dealer will switch the loan to the other company with out your really knowing what is going on. Why do they do this, because the dealerships makes more money.

Now, if you purchase the vehicle at night or on a weekend, the dealership may not be able to "sell" your loan but, obtain interested parites. If they know they have interested parites they will pick one and then place this on the loan paperwork. If this or any other buyer do not wish to purchase this loan then the dealership may have the car returned to them since financing is not complete. This is stated in the contract and is fully legal.

I strongly suggest you obtain lending from your Credit Union, Savings & Loan or Bank if possible. Normally if your credit is not the best and you have a relationship with one of these you will have an easier time purchasing the vehicle. Also, you have the ability to know what your purchase limit is and can negotiate a cash deal. However, dealers are not always happy with cash deals because they are not making money on what is called, the back end (financing kick backs, warranties and the such). If you have solid credit you will have no problems at the dealership.

All-in-all, check your credit before you leave to purchase a car. Go to a website for an auto loan company and see if you are able to be approved. Many times, the dealerships are going to them for the loans.

I hope this explains the reason and I hope this helps others.

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#10 Consumer Comment

You are not the only one

AUTHOR: Thom - (U.S.A.)

POSTED: Wednesday, December 19, 2007

I don't care what dealership you go to, they all do this. I am an Insurance Agent and can not tell you how many clients I have who have gone in, obtained their car, signed the papers and drove off to only be called several days later informing them to bring it back. Just because you sign the papers does not mean you have finished the purchase on the vehicle. The financing must be paid before the deal is finalized.

Numerous dealerships "shop" the rates you will be paying for the car. You see, dealerships sell the loan to a lender for a set percentage based on your credit. Anything above the buy rate from the lender is bonus for the dealership. If another "buyer" comes in with a lower rate the dealer will switch the loan to the other company with out your really knowing what is going on. Why do they do this, because the dealerships makes more money.

Now, if you purchase the vehicle at night or on a weekend, the dealership may not be able to "sell" your loan but, obtain interested parites. If they know they have interested parites they will pick one and then place this on the loan paperwork. If this or any other buyer do not wish to purchase this loan then the dealership may have the car returned to them since financing is not complete. This is stated in the contract and is fully legal.

I strongly suggest you obtain lending from your Credit Union, Savings & Loan or Bank if possible. Normally if your credit is not the best and you have a relationship with one of these you will have an easier time purchasing the vehicle. Also, you have the ability to know what your purchase limit is and can negotiate a cash deal. However, dealers are not always happy with cash deals because they are not making money on what is called, the back end (financing kick backs, warranties and the such). If you have solid credit you will have no problems at the dealership.

All-in-all, check your credit before you leave to purchase a car. Go to a website for an auto loan company and see if you are able to be approved. Many times, the dealerships are going to them for the loans.

I hope this explains the reason and I hope this helps others.

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#9 Consumer Comment

You are not the only one

AUTHOR: Thom - (U.S.A.)

POSTED: Wednesday, December 19, 2007

I don't care what dealership you go to, they all do this. I am an Insurance Agent and can not tell you how many clients I have who have gone in, obtained their car, signed the papers and drove off to only be called several days later informing them to bring it back. Just because you sign the papers does not mean you have finished the purchase on the vehicle. The financing must be paid before the deal is finalized.

Numerous dealerships "shop" the rates you will be paying for the car. You see, dealerships sell the loan to a lender for a set percentage based on your credit. Anything above the buy rate from the lender is bonus for the dealership. If another "buyer" comes in with a lower rate the dealer will switch the loan to the other company with out your really knowing what is going on. Why do they do this, because the dealerships makes more money.

Now, if you purchase the vehicle at night or on a weekend, the dealership may not be able to "sell" your loan but, obtain interested parites. If they know they have interested parites they will pick one and then place this on the loan paperwork. If this or any other buyer do not wish to purchase this loan then the dealership may have the car returned to them since financing is not complete. This is stated in the contract and is fully legal.

I strongly suggest you obtain lending from your Credit Union, Savings & Loan or Bank if possible. Normally if your credit is not the best and you have a relationship with one of these you will have an easier time purchasing the vehicle. Also, you have the ability to know what your purchase limit is and can negotiate a cash deal. However, dealers are not always happy with cash deals because they are not making money on what is called, the back end (financing kick backs, warranties and the such). If you have solid credit you will have no problems at the dealership.

All-in-all, check your credit before you leave to purchase a car. Go to a website for an auto loan company and see if you are able to be approved. Many times, the dealerships are going to them for the loans.

I hope this explains the reason and I hope this helps others.

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#8 Consumer Comment

You are not the only one

AUTHOR: Thom - (U.S.A.)

POSTED: Wednesday, December 19, 2007

I don't care what dealership you go to, they all do this. I am an Insurance Agent and can not tell you how many clients I have who have gone in, obtained their car, signed the papers and drove off to only be called several days later informing them to bring it back. Just because you sign the papers does not mean you have finished the purchase on the vehicle. The financing must be paid before the deal is finalized.

Numerous dealerships "shop" the rates you will be paying for the car. You see, dealerships sell the loan to a lender for a set percentage based on your credit. Anything above the buy rate from the lender is bonus for the dealership. If another "buyer" comes in with a lower rate the dealer will switch the loan to the other company with out your really knowing what is going on. Why do they do this, because the dealerships makes more money.

Now, if you purchase the vehicle at night or on a weekend, the dealership may not be able to "sell" your loan but, obtain interested parites. If they know they have interested parites they will pick one and then place this on the loan paperwork. If this or any other buyer do not wish to purchase this loan then the dealership may have the car returned to them since financing is not complete. This is stated in the contract and is fully legal.

I strongly suggest you obtain lending from your Credit Union, Savings & Loan or Bank if possible. Normally if your credit is not the best and you have a relationship with one of these you will have an easier time purchasing the vehicle. Also, you have the ability to know what your purchase limit is and can negotiate a cash deal. However, dealers are not always happy with cash deals because they are not making money on what is called, the back end (financing kick backs, warranties and the such). If you have solid credit you will have no problems at the dealership.

All-in-all, check your credit before you leave to purchase a car. Go to a website for an auto loan company and see if you are able to be approved. Many times, the dealerships are going to them for the loans.

I hope this explains the reason and I hope this helps others.

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#7 Consumer Comment

Too late ?

AUTHOR: Atlanta Guy - (U.S.A.)

POSTED: Wednesday, December 19, 2007

Had you come to ROR BEFORE you went to Bill Heard instead of AFTER, you would have seen the numerous reports on these dealerships. In fact, Bill Heard is featured on the HOME PAGE of ROR as being the worst place in America to purchase a vehicle. Save yourself some future grief and ALWAYS research a company before doing business with them.

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#6 Consumer Comment

Too late ?

AUTHOR: Atlanta Guy - (U.S.A.)

POSTED: Wednesday, December 19, 2007

Had you come to ROR BEFORE you went to Bill Heard instead of AFTER, you would have seen the numerous reports on these dealerships. In fact, Bill Heard is featured on the HOME PAGE of ROR as being the worst place in America to purchase a vehicle. Save yourself some future grief and ALWAYS research a company before doing business with them.

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#5 Consumer Comment

Too late ?

AUTHOR: Atlanta Guy - (U.S.A.)

POSTED: Wednesday, December 19, 2007

Had you come to ROR BEFORE you went to Bill Heard instead of AFTER, you would have seen the numerous reports on these dealerships. In fact, Bill Heard is featured on the HOME PAGE of ROR as being the worst place in America to purchase a vehicle. Save yourself some future grief and ALWAYS research a company before doing business with them.

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#4 Consumer Comment

Too late ?

AUTHOR: Atlanta Guy - (U.S.A.)

POSTED: Wednesday, December 19, 2007

Had you come to ROR BEFORE you went to Bill Heard instead of AFTER, you would have seen the numerous reports on these dealerships. In fact, Bill Heard is featured on the HOME PAGE of ROR as being the worst place in America to purchase a vehicle. Save yourself some future grief and ALWAYS research a company before doing business with them.

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#3 Consumer Comment

BILL HEARD IS INCOMPETENT

AUTHOR: Margaret - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Of course you cannot blame Chevy or GM for the stupidity of a Bill Heard delarship. They have an extemely bad rep here in Houston. One of 2 dealers which are the worst to the area.
Perhaps you can try another GM dealership and obtain another Cobalt since your son liked the car. Since he was promoted at work maybe he can come up with at least $1000 for a down payment.

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#2 Author of original report

Update **Debbie, Cincinnati, Ohio 12/18/07 6:22a.m. Auto Loan Papers

AUTHOR: Jocylen williams - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Thanks much, but we did have the loan papers that stated the same Finance Company as my car is financed through. We signed an extensive amount of papers, and I asked them repeatedly, are you sure everything is okay, and was told yes, it was a done deal. They secured a $400 cash deposit from my son's Visa Debit Card, and now we're stuck trying to get that back. My son is completely devasted. He is now without a vehicle and with a way to get to a job that is about 30+ miles away from where we live. I normally leave my house at 5:00a.m. to get to my job.

This morning, 12/18/07, I took him to work leaving my house at 3:15a.m. because he has to be to work at 4:00a.m. He just got a job promotion and is training for a Lead Op position with his employer. I'm not finished with this.

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#1 Consumer Suggestion

This is a common practice....

AUTHOR: Debbie - (U.S.A.)

POSTED: Tuesday, December 18, 2007

Unfortunately, this is a pretty common practice among car dealers. They want to get you into the car "of your dreams" (or as close to it as they can get) and send you on your way so that if something comes up later (as in the financing), you've already driven the car, fell in love with it and probably shown it to your friends and family.

Same thing happened to me at the ripe old age of 19. I spied a beautiful Chevy Beretta GT on a Chevy dealers lot. Drove it, fell in love with it, filled out a credit application and that was about it. I never did sign any loan papers, but the sales guy was all "oh yeah, everything is fine - drive home in YOUR NEW CAR! Enjoy it!". Me being a naive 19 year old, I did just that. I drove around town, showed all my friends, I was giddy!

Three days later I get the call that the financing won't go through, and I need to bring the car back. I was crushed! Once I got back to the dealer, he said that I could keep the car if I had $2000 down. Needless to say, I didn't have that kind of money and left with nothing. Lesson learned.

NEVER EVER EVER leave the dealership in the car unless you have ALL the signed, finalized loan paperwork in your hands. NEVER! Make sure it states CLEARLY what bank you're financed through, the interest rate and monthly payment. Your first clue should have been when you "only signed one piece of paper" which was probably just the credit application. Auto loan paperwork is extensive, you would have walked out with a fat envelope stuffed with paperwork. Some dealers will even try to get you to "try out" the car for a few days before you sign anything at all! The key is to get you to want to keep it bad enough that you'll pay any amount to do so. Ridiculous.

My question is - what are they going to do now with a "brand new" 2008 Cobalt that has probably a hundred miles or so on it? Seems like they're losing money on the deal as well.

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