I haven't Time to write this-
So I'm going to copy/paste what i reported to the BBB.org.
Kristen from ESCO called me with the original auto loan offer after emailing me.in both correspondences, she stated that I had been approved for a car loan up to $27k with an additional $2k bonus. I spoke with Kristen again to confirm the offer and to explain my circumstances - I had already been approved for a loan from the company where I am purchasing the car. I was interested in a competitor's rates. She said that I was contacted due to the information I provided online for Poor Credit Auto Loans and confirmed that even in my situation I had been approved for the loan. I had to come in only to prove my identity and finalize paperwork so that I could receive the check for the car. I also expressed to Kristen and Julie over the phone after a few more calls I was relying on a friend for transportation, I would have to cross two bridges, and call out of work that day.
Even still, they refused to do any phone negotiations or paperwork until I came in person. On route, I passed ESCO Motor cars after mistaking it for a car dealer. I called the finance company again to confirm that they were not a car dealer. I spoke with a female manager and was assured that their location managed off-location financing and that it was ok to come in.
Upon entering, I gave the sales rep my paperwork and began the process. However, he began negotiating a down payment. Then he explained that they were not a Car Dealer, but a Bank Owned Car dealership. I was not able to follow their logic. He also explained that the only way to receive the check was if I had perfect credit, like 720. I expressed my disapproval of the situation, and I had been mistaken by coming. The Sales rep continued to try to work a deal with me impressing me with better deals from cars on their location and introduced me to his manager to press the matter.
They completely avoided the purpose of my visit; which was to fill out their paperwork and receive a check for a different car elsewhere. I lost $200 today in pay and travel to this location.
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