Express Credit Auto

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5 reviews & complaints.

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They Think They Own You
Posted by on
Rating: 1/51
OKLAHOMA CITY, OKLAHOMA -- In September 2013, I had a car repossessed due to bad choices on my part. Knowing full and well I couldn't finance another car through a reputable source, I went to ECA and purchased a 2007 Toyota Yaris for $9,996.00. My payment was $300.00 a month ($149.00/biweekly), and I was told that the reason the car was so high in price was due to the warranty.

After having my car for less than 30 days, the blower in the AC/heat went out. The warranty department fixed it for free, but dealing with the warranty department was a huge pain. You have to drop off your vehicle and be without a car for at least a day, which is terrible if you only have one car in the family. I had belt problems that always squealed when the weather was cool or moist, and I took it to ECA Warranty three separate times to have it fixed. I also had a mechanism in the fuel system leave me stranded on the side of the road once, and had to pay the $100.00 deductible to have it fixed through their warranty.

They put a GPS tracker in the vehicle, along with a kill switch. I was dedicated to never being behind on my car payments, so they were always withdrawn the same day I got paid so the money would always be there. One day, I stepped out of work to go to lunch and my car was dead. Originally I thought it was the battery, but I called ECA anyway to see if it had been shut off on their end. When I talked to her, I asked if, for some reason, my last payment hadn't gone through (even though it showed up on my bank statement) and she said, "Yeah, but we just had a glitch so it shut down your car." I asked why I hadn't been notified earlier about the glitch, and she said, "Well, you know now." So basically, even though I'd made every payment and never been at all late, my car was deactivated. I called back later and asked to speak to the manager, and I was rebuffed and told that I had no reason to complain because my car was back on.

I talked to my bank and they agreed to refinance my auto loan at a much lower rate (I went from 23% to 8.49, which is wonderful for someone with a discharged Ch. 7). I called and asked for a payout, which was faxed to me. I was sick that week, so I never made it to the bank and another car payment went through. The next week, I called again requesting an updated 10 day payout. He started to verbally tell me the payout, and when I asked for a written payout, he rudely refused. I said, "I have a payout that was faxed to me two weeks ago, I don't understand why I can't get an updated payout," and he said, "Whoever sent you that shouldn't have, I can't send you another one." I asked how I was supposed to give my bank the information when they needed it in written form, and he said, "Uh, you just use the old one?" in a very condescending manner. I told him the old one was no longer accurate in terms of my balance, and he said that wasn't his problem. So I got frustrated and hung up. He called me back shortly and told me that even though it wasn't his problem, he would email me my payout "just this once". Finally, I got the stupid thing in writing.

Today, I called their finance office to see about dropping off the check for the full amount. They told me to drop it off at the branch from which I bought the car. My loan manager at my bank then did so at 11:30 a.m. I called ECA at 1:00 p.m. to make sure the check had been received, and was told that the check was supposed to be dropped off at their headquarters, which is across town. No one told me this information before that phone call. I have a car payment scheduled to be auto withdrawn this Saturday, and I was told it would take 3 days to cancel the auto withdrawal feature. I asked them if I would receive a refund for the $149.00, since that payment would technically be an overpayment once the bank's check is processed, and she said, "Maybe."

Overall, I knew what I was getting into when buying a car from them. They Target a very shady demographic of people that are bad with money, so it makes sense to overcharge so they aren't losing money. That being said, I had a naive thought that they would treat me with respect because I pay my bill on time, I keep insurance on my car, and I give them no issues. Never have I been late on a payment, never have I let my insurance lapse, and never have I done anything to warrant being treated with a lack of respect. Despite all of this, I still got to experience having my car deactivated due to a "glitch". Imagine trying your hardest to pay all your bills on time and be a perfect consumer and being punished by your car not turning on. I was at work, my car wouldn't start, and I was horrified people would think it was because I was irresponsible. There is no reason for ECA to have such terrible customer service. There is no reason why people that are following the rules should be made to feel so small and humiliated.

If you are in the terrible position of buying a car from them, hear me now: finance with them, then try your hardest to get the loan refinanced somewhere else. They will treat you like crap once they realize you won't be giving them that 18-23% anymore, but you will be free.
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Nightmare customer service
Posted by on
When you are in a tough situation and no one else will sell you a car you go to places like this and they are so kind and understating of your situation. The sales people are the ONLY people trained to be nice with this company! I have purchased two automobiles from this company. I have been loyal and never made a payment late. I have told friends about how easy it was to get a car. My husband was put on military orders and his pay was messed up and we needed them to work with us to let us make our payment 13 days late. We were very respectful and polite when we explained the situation to the representative and we were literally told "I don't know if I am going to do anything about that." My husband mentioned that we have been great customers for 5 years, bought two cars, never been late, recommend them to others and she said "I don't car" (No I did not spell that wrong, that is how she said it!). She told us we can not talk to the women she said has the authority to help us. When we called back a few different numbers and were finally connected to the woman who we were told could approve our request she was twice as rude and disgusting to us. She did not talk professionally to us. She did not use a respectful tone. She actually told my husband at one point he needs to get his priorities straight and stop being lazy. He starts Medical school in August, I think he has his priorities straight. When we called the Vice President of the company to get an explanation to why we have been treated this way we could hear the lady we just talked to cussing about us in the background. This place could not be more unprofessional. They do not care about their customers complaints. They will not change. If you buy from there just make your payments on time every month! Do not think you deserve any respect. And I didn't mention at all the problems with the automobiles performance. We were lucky enough to have my car hydro-locked and get a whole new engine. I am not kidding. It really was a blessing because the cars they sell break down right after you buy them and if we didn't have this new engine we would be having so many more problems like we did with our first car. Hope this review helps you make a decision about wether to buy from them or not.
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Express Credit Auto of Oklahoma City Scam
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OKLAHOMA CITY -- Purchased a car here, was very easy to get qualified for. When time came to complete the paperwork I left their office feeling like I had just made a huge mistake.

Express Credit Auto's Retail pricing for vehicles are marked up at least 100%. For instance, you pay $18999 for a car that's only worth $9K. Their excuse is, you're high risk, so you need to pay more. So High Risk means that Americans who have financial difficulties should be made to feel worse or pay more, never really understood that reasoning.

But because you are paying more for the car, keep in mind, if you're involved in an accident, your insurance company is only going to pay the $9K. And when you tag the car, you're going to pay the sales tax on the $18999 instead of $9K. So you finance the vehicle for 3 years, they will still charge you 21% interest on the loan, so in reality you've paid almost $30K for a car that's not worth $9K. Why not just sell the car for 9K and charge 300% interest so we can feel better about our purchase and actually know that you intend to screw the very customers who keep you in business.

In addition, the cars have GPS Trackers, you don't make the payment they turn the car off. If you drive off the lot and the axis breaks or the frame is cracked, you're out of luck. Which brings me to my main gripe, after being told the car had been put through testing, the cig lighters don't work (need for phone charger), the glue that was holding the ceiling up came undone and started sagging, brakes and Windshield wipers are bad and need replacing, and 2 weeks after purchasing a very expensive vehicle, it breaks down. It's sitting in their maintenance department undergoing testing, has been there all week. No offer for a rental or loaner car and no idea what is wrong with it.

My advise, save your money, pay cash for something until your situation improves then fight the battles with traditional financing and stay away from these type of rip-offs.
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goduke on 01/08/2010:
Ick. Sounds like rough times. You can pull yourself up out of it, though. It may mean a few years of sacrifice, and even perhaps working a second job for a bit to cover, but you can do it.

You're right. These outfits are pretty smarmy and prey upon those who don't feel like they have a choice.
memoryx57 on 01/08/2010:
As I was reading this I was hoping that you hadn't bought this car but found in the end that you had. I think you're probably pretty much stuck with this deal. The only way that I see that you can come out of this is try your best to pay more each month than what your payment is. At least that way you'll save some on the interest. Sorry this happened. I know it's an expensive lesson but hopefully one that won't be repeated. Good Luck..
Stephanie on 11/26/2013:
We actually did the same mistake as you in buying a really expensive car that's not worth what were paying. We just wrecked our truck and being that elected to pay more money and buy their insurance (still paying for our own) we have the option to get a loaner car and if it's totaled they're replacing the truck for us. I'm sure the loaner car they're offering us is going to be crap too. It's a bad situation but we got to work through it until its paid for... We won't be making this mistake again.
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Mislead by Sales
Posted by on
Rating: 1/51
OKC, OKLAHOMA -- When going through purchase process I was told it was a certain price per month and later it turnout it was actually more because it was bi-weekly payments. I was also told if I had issues paying payments they would work with me..they do not they are rude. When I knew I could not afford to keep the car..I was only 4 days behind on payments I told them to come get it because my health was bad I was missing work. They told me that a voluntary repo would result in a 1099 being filed against my taxes. Nowhere in the contract it says this. Never a car from them they mislead you totally.
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Express Credit Auto - Making a living on peoples bad credit.
Posted by on
OKLAHOMA CITY, OKLAHOMA -- I'm going to tell you right now...DO NOT BUY FROM EXPRESS CREDIT AUTO!!!! I don't know how the people that run that place sleep at night. They aren't even human. They prey on people with bad credit and give you a crappy vehicle that barely runs. The mileage on half there vehicles have been changed (cluster replaced). It's a sad place. They get these junk auction cars that look nice on the outside but aren't mechanically sound. They then, get there down payment, get a few high car payments from you and hope that you stop being able to afford the car. They then, take the car back and sell it to someone else while they garnish your wages for a god awefully high amount. These people need to be shut down. I don't know how this is legal.

All I have to say is if you are beig served papers because of a vehicle you had from them WITHIN 30 days you need to battle it! You have every right...they count on you not knowing this. In my case I had an old 98 explorer that didn't even run. They are now trying to garnish my wages for 8 thousand dollars....I'm fighting it. Make sure to get the VIN info and find out who owns it and how much they are paying for it. Catch them in a lie. They prey on people with bad credit that probably aren't the smartest people in the world and they count on you just sitting back thinking there is nothing you can do when there is!
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Eloise on 09/05/2009:
Sorry to hear about your bad luck. That said, why did you 'take' on the car when the payment is too high. I hope that you can work something out with them.
Anonymous on 09/05/2009:
And why did you take a car that didn't run?
MichaelG73096 on 09/06/2009:
Well obviously when I purchased the car it was running....

They sell you a lemon and then rufuse to fix it.

And "Eloise" the car payment wasn't to high. Although, it was a very high car payment I didn't mind paying it because at the time my credit wasn't so good. It was that car payment and constant repair cost on said vehicle that turned out to just be to much.

So in return they took back there non-running P.O.S. 98 Ford Explorer and are now "trying" to get 8 grand out of me. I'm now talking to my laywer. He agrees this is wrong.
Anonymous on 09/06/2009:
Yeah, I'll bet your lawyer agrees this is wrong.
Eloise on 09/06/2009:
'They then, get there down payment, get a few high car payments from you and hope that you stop being able to afford the car.'
Sorry, I can only base my comments on what you wrote.
MichaelG73096 on 09/06/2009:
Eloise, obviously, people out there with bad credit are not the smartest people when it comes to money and finances. What I'm saying here, is these people prey on that fact.

jenifer on 10/23/2009:
Okay, I work for Express Credit Auto. The vehicles we sell are not bad vehicles. I'm sorry you had bad luck with yours but you have to expect some kind of mechanical issue when you purchase a used vehicle. We did not make you buy your car, you chose to come to us.
MichaelG73096 on 11/03/2009:
No, you are bottom feeders that feed on peoples hardship and bad credit. You sell $hit to people. A 10 year old car with 100000000 miles on it you ask for what the damn thing costs new. And then, when someone cannot afford the car anymore you garnish there wages for the whole price of the car even though you take the car and re-sell it to someone else. This is how you guys make all your money. HORRIBLE!!!!!!
Anonymous on 11/03/2009:
What PT Barnum said.
Anonymous on 11/03/2009:
Mike perhaps you should try this link and confer with him about this. He is from Oklahoma as well. Good luck.
JR in Orlando on 11/03/2009:
This places offer a service that is needed. Where else is the poster going to buy a car? There a good and bad car dealers at the low end. The problem is that all cars are used, including new ones after they drive off the lot. Obviously, car sellers cannot see the future as to whether a car will break down, anymore than I can about my car next week. It is an unfortunate cycle for the buyers until they can increase their income and move up the financial scale. With some cash, one can buy a used car from an individual in much better shape, as I did for years.
Anonymous on 11/03/2009:
There is no need to refer to one's income here, JR Trump!
JR in Orlando on 11/03/2009:
I wasn't referring to my income in any way. I drive an 8 year old paid off vehicle that I love. Its just I know when I was first starting out my selection of everything was limited by my lack of money and credit, until I was able to save some.
Anonymous on 11/03/2009:
Unless your credit is atrocious and you are making minimum wage basically, it is easier to get a nice car at a decent rate before you can get an apartment. Trust me.
leigha on 02/03/2012:
Good lord this dealership is messed up is soooo many ways!! I bought a vehicle from them in 2010,the car was 18,almost $19,000.(That's including the $6,000 in interest)I was in a rough spot needing a vehicle and quicks. I had credit that wasn't the greatest so this company was really the only way I could get a vehicle at the time. My payements were $298 every two weeks,(including the 50 insurance they make you make for if you do not have full coverage and a $ 10.00 phone fee for making a payment over the phone.(I 2 hrs away from there location,so couldn't just take a trip up there every 2 weeks!) They used to have it to where you could pay online,with no fee,but soon took that option away.Wonder why? hmm,oh yeah,to rack up some more fees for ya! Anyway,,yes I have been late on my payememt numerous times,they give you 4 days to make the payement then they turn your car off! I have even asked if they could turn it back on so I could make the damn payement!! Nope wouldn't do it.Hmmm go figure.They DO NOT work with you. You try to work something out,its there way or the highway.I have recently quit working due to numerous reasons but actuallu more so because I cannot afford these payements anymore.It is so much cheaper to get rid of the car and stay home with my 9 month old daughter then having to worry about making these $600 a month payments,gas,the maintence bills of the car,( New brakes,the blower to the heater and air conditioner,the engine light,tires,etc etc.They were at least alittle more decent not as rude until I got my interet paid off. Then they started threatening me,would blow my phone up.When I would talk to my account manager he was always so rude,and kind of a smart ass. He thinks he is good at trying to threated and scare you,but ya know,when someone threatens me,I get pissed off!! I finally told him to come get the dang thing,get it out of my life!! It has HONESTLY been the worst mistake of my life,nomjoke!! It has caused more stress then anything.He is threating to sue.I have had people buy from this place and it took them months to come get the vehichle when they have defaulted. I have any heard one instance to where they came and got the vehichle and just sped out in this persons yard!! It will be such a relief to finally get this vehicle out of my life. BTW I only had 6 months left for the car to be paid off,but it is better to let it go and save myself 6 months of misery then to have to continue with this company any longer. So,,if you feel you can make these high payements,deal with high interest,deal with rude inconsiderate people,have your vehicle turned off to where you are stranded,loose A TON of money when its all said and done,then sure go ahead and buy from them. In my new found wise opinion,it is so much smarter to just save up maybe $500-1000 get a vehicle that runs and can get you to point A to point B,and save up what you can and then just buy a vehicle out right. AMERICA feels they need the best of everything,we are so greedy.Once you learn to live simply,expect less,and be happy with what you have life will be so much more enjoyable =) That I can promise, I am so much happier staying home with my daughter not having to worry about my payements.
josh on 10/12/2013:
Now I work for a REAL dealership that works with REAL banks and lenders and EXPRESS CREDIT AUTO is a joke selling a 98 ford with that many miles for 8k when its only worth 500 we get customers all the time who have taken they're cars back for one of ours with way lower miles and fair payments
Steve. on 07/16/2014:
Just to let everyone know Express Credit Auto does not report to the big three credit report agencies unless you have negative (repo) items, I just found this out for a major new cat dealership in OKC as I was trading my car I purchased from there. Your good credit history will not show up at the big three credit agencies. I they told me different at ECA.
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