OKLAHOMA CITY, OK, OKLAHOMA -- In 2013, I came to Express Credit Auto looking for my first car. With my low credit, I was given the choice of 2 vehicles, both were old, used up and way overpriced for what they were really worth. When I drove off the lot nothing major appeared to be wrong with the van, the center table in the back seat was missing, black stains in the back seat, a DVD player/TV that only worked occasionally, and not sure why, but many feathers scattered across the inside.
In the 3 years I drove this car, the alternator had to be replaced, the transmission went out, and the engine had to be replaced with a used one because that's all the warranty would cover and the warranty company gave me static about all these things and made me jump through hoops to make them happen. The automatic doors in the back seat eventually stopped opening, forcing my husband and I to reach into the back seat from the front seat to get our baby out of the back or go through the back and climb over the other back seat.
Shortly after the doors stopped working, we were told the radiator had a leak and was dangerous to the people in the car. It was a deathtrap and not eligible for anymore repairs it so badly needed, and I hadn't even paid it off yet. Knowing I had used up the warranty, I paid what I owed to be able to trade the vehicle in for something that was drivable. I was told by the company that the car was in such poor shape when I traded it in that they would be scrapping it, but I'm sure they did the bare minimum of what they needed to put it back on the lot to sell.
I was again given the choice between 2 of the exact same vehicle, one just had more miles on it. I took the one with the least on it, and drove off the lot with no problems, the day after buying it, I took it into the warranty department to have several different repairs to it and some I was told weren't covered by warranty, so I'd have to pay out of pocket for those. 5 years later after signing my first contract, I just paid off my vehicle worth $1600 for a hellish price of $13,000.
My real issue was paying off the vehicle. I called to let the finance department, Auto Advantage Finance know that I needed to fill out a cancellation form for my automatic payments because I'd be paying off the vehicle soon. They made me jump through hoops for a week before giving me the information I needed to find out the balance left on the car myself. The balance left was $4700. They said I didn't owe the $28 collateral protection on date of payoff.
My usual bi-weekly payments were $177-$149 for the car payment and $28 for the collateral protection insurance. I paid off the balance on the car, was congratulated and told I owed nothing else on the vehicle, after demanding a receipt they tried to get away with not giving to me.
2 days after payoff, a payment of $177 was taken from the finance company out of my bank account, overdrawing it. I didn't authorize the payment. When I called to ask why it happened, I was told the cancellation form they sent me was the wrong form for a one-time cancellation instead of full-time.
I filled out the forms a second time and asked when they'd be refunding my money, they said they couldn't and to take it up with my bank where I have already filed a claim against this company. I made multiple phone calls to try to have this resolved. My mother also made many phone calls and was told by an employee that she couldn't have the supervisor's name.
5 days after payoff, I finally got the supervisor on the phone, he had to verify that I had paid off my car and said $138.40 would be returned to me by mail in 10 business days, but that the full amount would not be refunded. I told him I had paid off the car 5 days prior and the full amount should be refunded because I have a zero balance on my account. He said they were keeping $28 for collateral protection insurance on my car that they no longer own and the rest was being kept for the interest that had built up in between the day I got a receipt for paying it off and the day they got around to processing my check.
They are continuing to charge me interest on a car that is now mine. Even after filling out 2 cancellation forms, I am still worried that next week, they are going to take another payment and I'm not sure if this money will ever be refunded to me. This company takes advantage of broke people with poor credit that have nowhere else to go. Anywhere is better than here. I have written multiple reviews online and a letter to the Better Business Bureau and still don't feel it is enough to prevent this from happening to someone else. Run away from this company and tell everyone you know the same.
TULSA, OKLAHOMA -- I had a bank restriction on the 13th of March, which was 5 days before my payment was due with Express Credit Auto. On the 13th of March I called Express Credit Auto looking to speak with DJ the Financial Account Manager, looking to get a full deferment on payment. I was told he is not available and he will get back me at his earliest convenience.
That week I called 3 times looking to speak with DJ, I received the same response and never got the call from DJ. Since my payment for March was due on the 18th which lands on a Sunday, I called express credit auto a day after my payment was due and from there I was told, DJ will not be taking my calls and I will not receive a deferment. I filed a complaint with their customer care department, I was told by email that I can contact them the next day.
The next day I called the number that I was provided, hoping to get a resolution and that was not the case. The lady was rude on the phone, and tried to send me back to account management, I said to her I was told to call this number and you are sending back to account management I don't understand what is going on, her response was “You do not need to know what is going on.” The next morning my car was gone.
NORMAN, OKLAHOMA -- I had specific needs that needed to be met when looking for a vehicle. Before I even decided to be a customer here again, I had my friend drive me all around the car lot to see if there were any vehicles I didn't want, because knowing from past experience, they'd put me in the worst vehicle on the lot regardless of my down payment. I didn't see any vehicles that looked messed up so I went ahead and got out and went inside.
After giving all of my info I was met outside by a 2006 vehicle that had rust and scratches all over it, the interior was stained and torn up, there wasn't any windshield wipers. I was going to be using my vehicle for work and to give clients rides in, I explained that I needed a vehicle that was at least a 2008 or newer due to my job requirements. The salesman stated he may have another vehicle I could look at, but it'd have to be approved by the manager.
He met me with yet another vehicle that I swear was nowhere to be found upon prior inspection of the car lot. This vehicle smelled like someone had passed away in it and wasn't discovered until weeks later. The smell was so horrible, I could tell they cleaned and shampooed the interior, but the smell... the seats were also full of cigarette burn holes and stains, door handle on the passenger side was barely hanging on and I thought I had seen every car on the lot except for these 2 and the salesman said he "may be able to get me approved" for the stinky car, but other than that those were my 2 options from their lot.
I immediately dialed my friend and told her to hurry and come pick me up. The salesman quickly acted and ran across the lot and brought up a "decent" looking car with black leather interior. The driver's seat was ripped in the seat, but other than that it was decent. I've had issue after issue on keeping this high mileage vehicle in working order. I found out that the car was only worth $3300 if it were in mint /good condition... it was in poor condition at best and I'm being financed for $11,000 for this vehicle.
After making payments on it for well over a year, I called and asked about trading it in for a newer nicer vehicle, one big enough for my husband to use for work and to fit my family and our lifestyle. The man later sent me a text that read, "Ok you can trade it in in 2 more months." Two months pass by and I call again, I was again sent a text that read, "You're real close, but it'll be just a couple more months."
After 2 months I call again and he tells me he had to speak with the manager and would call me back. Never got a callback, so I called after 4 hours later. The man tells me I need to pay $2300 more, which equals another 12 months! The car will be paid for by then. I'm definitely not purchasing another vehicle through this place ever again!!
Correction...the $2300 more on the payment was paid in 6 months, not 12.
Update: I have now been paying on this vehicle religiously for over 25 months. My children have outgrown the backseat of the mid-sized car this car lot placed me in. A few weeks ago while I was going in to make a payment I was greeted by a salesman at the payment kiosk. He asked if I'm ready to trade in...I agreed...they now want me to pay another down payment in the amount of $400 before I'm able to trade in for another 2007 vehicle that's worth less than the car I'm already paying on...start over on payments with a 2007?? Are you kidding me?
TULSA, OKLAHOMA -- Advertise $199 down. Yeah right. $500. Ok dealt with that. They pulled up a 2007 Nissan Maxima SL loaded with everything. The only positive is my dates I get paid change. They were real quick to work with me on that to be sure they got their money. Drove it. Seemed to be fine. Oh it has a warranty so don't worry. Yeah right. Very very limited warranty. 1st trip we took no A/C and oil leak on the driveway. New A/C condenser/Oil Cooler and Oil something else, $100 deductible to me. Winter hits and cold it is a bucking bronco, took it in. They said nothing found... fine kept driving it.
Few months later on the highway rpm's was at 4000. Took it in and lo and behold transmission out... Oh wait for them to look at the car and decide it is at least 2 days to get a loaner. According to the salesman you got a loaner as soon as it goes in... wrong answer. New transmission and it vibrates really bad a month later. Turns out the used Axle they put in went bad (yes used LKQ does daily deliveries to them) another deception they don't bother to tell you about.
I'm just trying and hoping it last long enough to pay it off and go somewhere else to trade it in. Now the outer tie rod link is going out. One more thing to fix they don't cover under their very very limited warranty. DVD player has never worked. Service Manager just said last time I took it in I had put over 9000 miles on it. Oh really? The previous vehicle I had put over 70000 miles on it and never did anything but the usual change oil and filters. The thing is a piece of junk and a money pit and hope I can get through 2 more years with it. Whoopee.
they never responded
OKLAHOMA CITY, OKLAHOMA -- First off, I did not have to go to buy here, but I liked the truck. Day after I bought the truck, I went to the warranty shop for repairs. I was treated as if I did not matter. Eight hours there for 2 hours of work, ended up going back 3 more times for total of 24 hrs lost time over 3 weeks before those issues were fixed. I still have a problem, but now they ran the clock out for the time I could get it fixed for free. I'll have to pay a $100.00 unless it's not covered then the cost will be on me.
Next, I provided a declaration or full coverage insurance when I bought the vehicle. Now given I did not catch, or understand that I had to have $500 or less deductible or they would slap me with a CPP insurance policy at $100 a month. They could not be bothered to make a simple phone call to a new customer when they receive the insurance declaration to inform me of the mistake to help the customer avoid extra cost, and even though I had full coverage, the waited till my first payment was due and had already put it on, for me to find out when making 1st payment.
I tried talking to both their insurance department, sales department, with the same smug attitude, treated like trash. The correct action was to call me during the first week so I could have it fixed and avoid the $100. But what I have gotten is, "I can't help you, if you don't pay we will disable your vehicle!" But you can believe they had no issue picking up the phone to threaten me, insisting I pay!!! And they waited till closing time on a Friday to call, so I would be unable to go in to talk to someone, I was told I could speak to someone Saturday so after a sleepless night I did go in, just to be told there was no one to speak to, so lied to again.
So to avoid my vehicle being disabled I paid. Now, 1) they are charging twice the value for the vehicles, 2) taking advantage of folks that have weaker credit and charging loan shark interest so getting double there too. I have not had 1 full day of being able to enjoy my vehicle, since day 2 of buying it it's been downhill. As I told my salesman your company sure knows how to wipe the smile and happy feeling right out of the customer!!! I would not recommend this company to anyone. As soon as you sign the contract, you become dirt to them and everyone I have had contact with outside of my salesman, has a very poor and rude and unhelpful attitude.
They all should have to take classes to learn how to treat, help and retain customers. I have thought long and hard about this and have decided, the sooner I separate myself from this company, the better I will be. I have no doubt I can go elsewhere and get another vehicle and they can have theirs back, given they only understand money, maybe if it happens enough, and enough stop dealing with them, maybe the owners will wake up and do something. I'm sure they are losing a lot of return business for these reasons.
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.
OKLAHOMA CITY -- Me and my wife bought a Chrysler 300 back in February of 2017 and my wife was driving it home. While in the interstate she hit a very small bump in the road and it literally threw her into the next lane. She was telling me when you're driving the car it sways back and forth on the rear end and is also wearing tires out on the rear end. I've put 3 sets of tire on the rear of this car. Brand new tires at that and it wears them down to the wire.
So I took it to Hibdon tires and they called me back to the machine they had it hooked up to and he said this car had been totaled out before. The left front wheel, the whole wheel assembly on the left front sets back farther than the right side and that the alignment is all the way out so you can't adjust it anymore this.
It is a death trap. Uce let some people drive it just to see if they get the same result as we do and they all say this car is very scary to drive especially in the highway cause it will literally throw you into the next lane when you hit the smallest bump in the road. While driving this car you better have both hands on the steering wheel cause this car is a death trap and the car lot won't make good on it.
So I'm in the process of getting a lawyer and gonna take them to court. I'm so tired of car lots like this taking advantage of people that dont have much money and are desperate for a car so we will let the court handle this from this point on.
MIDWEST CITY, OKLAHOMA -- We bought a car from them. We had it 4 years. We were 4 months short of pay off. They repossessed it saying we were 3 payments behind. It was caught up in late May, they repossessed in June. We figured out how much we paid for a 10k car was almost 20k. We tried several times to trade it in to make our payments lower. Every time we were told we couldn't trade in for a year. A year later we were told the same thing.
My husband went to get the stuff out of the car and one of the guys walked up like he was going to hit my husband until my husband suggested not to do it since he was prior special forces. They had no grounds to repo, and knew the car had been paid for. They just wanted to resell it again. The resale was more than we owed. Which was 3k. And we had been paying on it 4 1/2 years. Our original purchase price was 10k.
OKLAHOMA CITY, OKLAHOMA -- These people will screw you. I got a car here and literally a month later they towed my car. I had just got it so my paper tag was on and I had not got it renewed yet. They decided to tow it from a neighborhood and sell it. They are awful. We had money to get it back and they wouldn't call us back because of course they wanna sell this car and screw us. They even hid the car completely and wouldn't give us our stuff from inside. They are a bunch of crooks. They will take your money and then take your car and sell it so they make more money. They still won't call me back or tell me where it is to get my stuff. Awful people.