Napleton Autopark Napleton Dodge Deceptive Sales and Finance Tactics Lakepark Florida

I received a letter fron Capital One Auto Finance ofering me a prequalified auto loan. I took the letter and went online and applied for the loan. I was approved online for $26,250 at a 5.15% which would be a payment of $422 a month for 72 months. I printed the approval letter and took it to Napelton Dodge on 6/19/2015 after looking online to find a car I wanted. The salesman and I came to an agreement of my trade in and 26,250 out the door on a 2015 Dodge Charger. I did not drive my trade in to the dealership so I told them to start the paperwork and I'd be back with the trade in. I get back at 6:45 pm and sit down with the finance manager. We sat in his office and he chit chatted me for a half hour. I thought we were waiting for some paperwork to come in but then without any new paperwork arriving we began the process. He began explaining things to me and told me "I included GAAP insurance in there for you, I also added an extended warranty that would increase your payment by $7 a month." Then he told me "Capital one came back at a 9% interest rate so I have to place you with a different company but I got you an 8% with Chrysler Capital." I explained that capital one had already approved me at a 5.15% interest rate which was the only reason I elected to purchase a new car. He told me that Capital one closed at 7:30 pm so we could not call them to straighten out the actual rate. Which I now know is why he chatted me up for so long. I told him I would not take the deal and finally he offered me a 5.99% at $481 a month which I agreed to.I signed the paperwork but it was late so I didn't fully read it and took the car home.

The next morning when I woke up I began to read through the contract. The GAAP insurance wasn't included it was $850 for 75 months. GAAP insurance is only needed during the first 2 years of a loan while the loan is greater than the value plus GAAP coverage on my car through my insurance company was $140 for 2 years. I also found that the extended warranty that I was told would only add $7 to my payment was $2000 and cost about $22 a month. Also he added 3 months to my loan term extending it to 75. I immediatley called Mike at the dealership on 6/20/2015 and was told he was busy, after 3 more calls and no response I went to the dealership and asked for a manager. I spoke with the sales manager on Saturday 6/20 at 7 pm and he told me it was a very busy weekend but he would speak to finance and make sure they don't submit the paperwork and we would resolve the problem Monday morning.

First thing Monday morning 6/22/2015 I went to the dealership to resolve the problem and sat for 30 minutes waiting to speak to the manager and once everyone sat down to talk they told me the contract was sent by Fedex that morning and there was nothing they would do about it. When I asked why the manager didn't stop the contract from going out the smirked and said "I can't answer that question." I left and called Capital one and spoke to a representative who told me that the pre approved offers are submitted through a special online portal and that my original loan with them was never submitted through the portal and that a 9% was never quoted to the finance manager. So he lied about submitting the loan to the lender that referred me to that dealership and quoted me an interest rate that was 3.85% higher so that I would finance through Chrysler Capital so that he could get a higher commission payout for processing the loan costing me hundred of dollars over the life of the loan. On top of all of that when I left to pick up my trade in they had the car washed and left hairline scratches in the clear coat. They offered to rewash it but made no offer to fix the damage.