Having them make you purchase GAP in order to get a better bank rate is called tied selling. I would report that to the PA General Attorney asap!
Anyways my experience has been pretty bad with them. Got a 6% interest rate with them even with 800+ credit. My car got impounded because they didn't register the car for 5 weeks and that was questionable to the police. They reimbursed the impound fee only if I took down the bad review. They never admitted fault and acted like they registered the car weeks ago. They only registered the car after I bitched them out.
Even at msrp this place is not worth it!
So I did file a complaint with the AG.
When we were in the office, the person doing the financing (Alex) said GAP was part of the PDR/Tire & Wheel package. Not sure why he would say that, because of course I would read it. I specifically said that we did not need it in front of him and my wife before we left. Anyway, I called back and told Raceway I didn’t want nor need it, and that I ready the terms and conditions and GAP was not part of that. Alex called me back and then said that GAP was part of securing a preferred rate with Capital One.
Well he dwaddled for a few days, then told me he couldn’t do that and I had to come in or he could mail it. I said mail it- he never did.
I called Capital One and asked if they have a promotional rate with Raceway Kia of Conshohocken, or if they have preferred/promotional rates for applicants who sign for GAP at any dealership. They confirmed they did not have any promotions with Raceway nor do they require GAP to offer a preferred rate.
So I called Alex back, telling him nothing came in the mail. He acknowledged that he hadn’t sent it yet and asked me when I could come in. He could speed through DocuSign on a tablet but not send a single form through the service.
Anyway, I said I’d be there the following week but the whole damn house got Covid.
After that, I call him on 7/27 to let him know I’m going there to sign GAP removal and to have the paperwork ready. He did, it was a single form. I took my copy, went on my way knowing it would be credited back to the loan and not a check sent to us (was fine with it). I figured we wouldn’t see it in the August statement since he said as much. Figured it would definitely post in July as that’s 30+ days. Still not there.
I call back a few weeks ago, asked service about the ‘free oil changes’ (ps they do use full synthetic), then asked them to forward me to accounting regarding a separate issue.
Speak to Elizabeth, I explained everything from above. She’s gonna call me back because she needs to pull the paperwork, etc. She called me back 9/20 to tell me the signed form to remove GAP is not in the file and doesn’t know where it could be.
I said no problem, I can get our copy that I took home. We send that over, and crickets until today when I sent a follow up- email returns as undelivered. I immediately write out my complaint to the PA AG.
I did speak to another person on the accounting team, allegedly they cleaned house (again?) and that’s why my issue was not resolved. She acknowledged it’s been a bumpy few months but they’re hoping for smooth road ahead.
The point is, it seems like they don’t care but especially tried to stick it to me for complaining and writing accurate summaries to Google and the AG’s office. I’m going to write another very accurate review.
