I got into a car accident on June 6,2016, and my car (2013 Ford Focus) was totaled. The accident wasn't my fault and the other lady's insurance paid off some money on my car. I owed about 13 thousand and some on the car and her insurance company only paid off $9,583.55. Leaving me a balance of about 3 thousand and some change, because I didn't have Gap insurance. My mom referred me to Munday Chevrolet to hopefully get a new car. I went to Munday on June 14,2016 and I met Michael Gilbreath Pre-Owned Sales Consultant. Right off the back I explained to Michael my situation and I also made sure I told him about the balance that I owed. I didn't want no surprises about anything. Michael said he could help me, he helped me look for a car, and he also allowed me to test drive the cars I was interested in. His service was just extremely outstanding, told me the truth and really took his time to help me. Michael's Finance Manager Joey Munoz told him that all I needed is a down payment of $500 and a letter saying that Allstate is paying off the $9,583.55. June 15,2016 I came back with everything that was asked of me and Mike Gibson took my payment. I received my keys to my Toyota Camry 2015 along with all my paperwork. About a week June 22,2016 later I brought my cousin to Michael so he could help him find a car. We aren't even there to talk about me and Joey told me TD Auto Finance LLC didn't finance me, because of the balance that I owed. Joey told me to go to my bank and get some temporary checks, and write out a fake check for 4 thousand dollars. Making it seem like I paid off the balance of my old car, so that the bank can see that it was taken care of. I did what he said because I was desperate to keep the car. That same day I went into my bank and got some checks. Filled out the check then I took a picture and emailed it to Joey ( Finance Manager) just like he told me. July 17, 2016 I tried to pay my car note to TD Auto Finance LLC online and it didn't work it was on a Sunday. The next day Monday Morning I called TD Auto Finance LLC and they told me I'm not in their system. I called Michael to ask him who am I financed with. Just like all my paperwork, he told me TD Auto Finance LLC. I called Mike Gibson another Finance Manger and I explained the problem. He told me it is something Munday messed up on and for me to wait to pay my note. About 20 minutes later Joey Munoz ( Finance Manger) calls me and told me, we only have two days to find me a bank that will finance me. If no bank would finance me I would have to give the car back and get my down payment back. I found out that I had a extended warranty and I needed to cancel that, so that would take off 2 thousand and some from the 3 thousand that I owed. I canceled my extended warranty and so now my balance left on my old car is only 1 thousand and some. Joey said that's still not going to work, and he asked if I could get someone to co-sign for me. July 18, 2016 I came back with my best friend so that she could co-sign for me. She had a copy of her social security card and Joey said he needs the original because the bank wouldn't take that. So my best friend and I left came back with in 15 minutes with her original. Even though we brought back her original social security and nothing had changed. Joey said that it's fraudulent and that the only things I could do now, is pay off the balance then come back. I didn't have all the money to pay off my balance at the time so Joey Munoz took my car key to the Toyota. Basically putting me out and he didn't want to no longer help me. I was supposed to get my refund that same day and that didn't even happen. I had to go back up to Munday two days later to get my refund. Joey Munoz lied to the general manger about what happened. So when I asked to speak with the general manager, he didn't even want to talk to me. I called corporate and no one ever called me back !
I will never go back to Munday Chevrolet the experience was just so unprofessional. Michael Gilbreath did everything that he could. Joey Munoz never communicated to me about what was going on until it was too late. I did everything that I was told to do and all in the end I loose the car. It was just lies on top of lies and how do you leave a dealership without being financed with a bank?