1.0 star rating 12/23/2017
Star Mazda's only benefit is their competitive pricing. Other than that they are as sketchy as you imagine a call dealership would be.
We found a Mazda CX5 on their lot with low mileage and a fair price. We wanted to trade in our car and put down a significant down payment. We weren't able to agree on a trade-in value and so my wife and I left the lot without purchasing the car. Later that day they called and came up some on the trade-in. After researching other Mazda dealerships, we believed that the price they were offering was the best amongst all the Mazda dealerships.
The next step was to negotiate financing for the remaining balance. My wife and I are very fortunate and we both have credit scores over 800. Since this wasn't a new car, we didn't have the option of 0% financing. They offered us a very high rate and wouldn't budge much. So we went to Capital One, which is our credit card company. We found a more favorable rate and actually negotiated some additional perks through our CC by going with them. Star Mazda said that they couldn't go any lower. Star Mazda is a preferred dealer with Capital One, so it should be an easy process.
We called our salesperson at Star, told them the rate we negotiated through CO and said we wanted them as our lender. Get the paperwork together and we'll come in the next day to sign. They agreed and we were off.
Next day we went into the dealership to sign our papers and take our car. Our salesperson was fine. He had been as helpful as a salesperson can be. While waiting Don McCurdy, the Finance Manager, we updated our insurance to reflect our purchase. During that process we were asked by our insurance who our lender would be. We chose Capital One and were presented with addresses to match our lender. We asked our salesperson to verify with Don the lender address. He told us the address that Don chose.
Then we were ushered into Don's office to complete paperwork. This is when it got really interesting. We were there with our 10-week old baby. She's the reason we were upgrading to a larger car. She was in a stroller. Had already been there 45 minutes. She was getting a little fussy and Don asked if the baby was a girl or a boy. We said a girl and he said, "Oh yeah, girls are the fussy ones. I have three daughters."
Which fine, not a big deal. Sort of a playful dad banter. Then he goes on to say that his daughter got married this past weekend. We congratulated him. He said, "I didn't go. She had wanted me to walk her down the aisle but she said she wanted her mother to walk as well, so I refused."
Then he rants about his three daughters. Rants about how he used to have a female dog but now he has a male dog and it's so much better. Female dogs are terrible.
He looked at our credit score and saw that my wife had a higher score than me and said that it was unusual for the women's to be higher because "women have more credit cards than men."
My wife has an MBA in finance. She is very good with money. In fact, she's the reason I even have a reasonable score. Once I told him that, he asked what my wife did and then belittled what she did. My wife and I continued to look at each other, like xxx.
We signed and left. We were just happy to get out. We got nearly everything we wanted, so it was a win.
A week later we get a call from Wells Fargo saying that they were the owner of our loan. We thought it was a prank call or someone trying to get us to give them our personal information. So we called Don to get the scoop on what was going on. He didn't return two calls and voicemails.
So we called the store to ask for a manager. They verified that the loan was in fact sent to Wells Fargo, not to Capital One. So the benefits we negotiated were out the window. We spoke with a few managers that weren't very helpful and finally, Don called. He got on the phone with my wife.
He told her that he bundled us with a less favorable loan. At least that's what she got after talking over him because he refused to let her speak. He told her "not to get excitable" on the phone. He then told her that he decides where the loans go, she doesn't.
Needless to say, we're waiting for Star Mazda to change our loan or to at least apologize. They aren't doing either.
If you want to go to Star Mazda, just be aware that they are pretty xxxxxx. They are extremely dishonest and they don't care to have your input when it comes to financing a car. They believe that THEY DECIDE. Not you.