Express Credit Auto - Making a living on peoples bad credit.
Posted by MichaelG73096 on 09/05/2009
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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Nightmare customer service
Posted by Soldierswife0320006 on 07/19/2011
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 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
Posted by Greatcapers on 01/08/2010
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 under going 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.