I scared the DOG SH** out of my FINANCE GUY!! LONG READ, WORTH IT - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Jeanius · 09-09-2009, 03:05 PM

So I purchased my car from Michael Stead Chevy in Walnut Creek, CA. GREAT Salesman, GREAT Sales Manager....

Ive never wanted to punch someone in the face so hard, who i had only known for about 15 min.... The finance guy

So Saturday I go in to pick up the car, I present my PenFed Check, find out its a draft check, they want to run mine and my wives credit and secure another loan just in case anything happens to go wrong with PenFed, I think its BS, but whatever I know PenFed will come through, and I just want to leave with my car so we agree, fill out the app, go through the motions and aquire the 2nd loan.

SO he shows me what I got approved for, the amount of months, interest rates, and on my PenFed he has added Resistall and LoJack to the loan, I tell him the other 2 I dont care about since I wont be getting them, and I dont want either of those 2 added to my loan, he tries to argue a little, I tell him my brother in law works for LoJack and I could get it from him if I wanted it, and he says well he cant get a discount on it..... WHAT?? YOU KNOW MORE ABOUT MY BROTHER IN LAWS JOB AND DISCOUNTS THEN HE DOES??? and we both tell him sternly YES HE DOES. So at this point he is already getting under mine and my wifes skin trying to pull that.

So anyway, we leave to get cash for the down payment to make things easier. Come back he has the paperwork ready for us to sign.

We go into his office, and here he goes trying to sell me extended warranty, No thank you, maintenance plan.... NO thank you.... some other service which I cut him off by saying I DONT WANT ANYTHING ADDED TO THE CAR to which he reply's

No Problem sir I see you like to pay MORE with a smart ass sarcastic attitude.

Im there with my wife, its a big day for me, so you know what, I smirk and let it slide, because Im thinking I will never had to deal with this POS again.

He again offers me the resistall and explains it to me, and I tell him ive already spent alot of money on detailing items, and done alot of research, he starts to go on about how theres no warranty if I apply anything but resistall has 7 years blah blah and I start telling him that I know many people with collector cars with 30 year old paint jobs that still look new, I know people with tire shops, mechanic shops, Lojack, everything he can offer me I can do myself at a better price.

So its over Ill never have to see this POS again right? WRONG

My salesman calls me yesterday and tells me we have a problem, I didnt sign the PenFed check

DAMNIT!!!

So he tells me I can come in tonight before 7 and sign it, I ask him well, what about my wife doesnt she need to sign it also? Ugh the finance guy didnt mention that Ill ask him and call you back

Sure enough, she does, so theres the problem since my wife gets out of work too late to make it there by seven, now I am talking to the finance guy over the phone and hes telling me we can mail it to you, sign it and overnight it to us, or you can come pick it up tonight, and take it home for your wife to sign it and then overnight it.

I tell him Im not going to pay out of my pocket to overnight it to him, and he says well sir at this point its your time and its your money, you presented your own draft check and I outlined what you needed to sign and you didnt sign it

Me - "I understand I didn't sign it, its on both of us though and Im not paying $25 out of my pocket to overnight it to you, your 30 min away Ill send it regular mail with signature confirmation and itll be there the next day"

Him - "So you want me to pay for it? Sir your the one who didn't sign it"

Me - "ISNT IT YOUR JOB AS A FINANCE GUY TO MAKE SURE EVERYTHING IS SIGNED AND FILLED OUT CORRECTLY?"

Him - "I SHOULDN'T HAVE TO BABY A GROWN MAN"

Wow, that was the last draw, all I could do was laugh, I said ok I will see you at 6:30

All of these thought about all the things Im going to say, Im gonna get in his face, invite him to clock out and talk about it outside, I am soooo pissed off I am SHAKING

So I call my wife, tell her the situation and what happened, she says she can go over right now and sign it before she goes to work, I call my salesman and tell him she can go, but I DO NOT want her to deal with that POS, she will sign it with my salesman and not be within 5 feet of that waste of skin. he agrees

So for the next 2 hours i am trying to calm down, I am at work, I am an EMT and I work with people in emergency situations, I have to focus and be compassionate and empathetic and this just threw me off.

Im getting off at 6 and I get a idea, I turn to my partner and ask him, what would you do if you had been arguing with someone and they took out their phone or camera and took a picture of you?

Man I would be really tripped out, I wouldn't know what to think....

So at this point my wife has informed the sales manager of what happened, he contacts me and apologizes, listens to what I have to say, and he forwards the info to the Owner, he tells me he will try to have someone else be waiting for me when I get there.

I arrive at 6:40, walk in, noone greets me, I walk towards the offices and theres the POS, I say WHATS UP MAN with a smirk, "Hello Sir, Right this way sir, After you..

We go into his office, he shows me where to sign, I sign, he takes it turns around in his chair, puts it away while he is telling me it will be overnighted to Penfed the next day while he around I put my phone up as soon as he turn in the chair, Click makes a snap shot sound and everything

I get up with a smile and start to walk out

Him - "Did you just take a picture of me????"
Me- "YUP" with a sinister smile
Him - "You know thats illegal"
Me - "No Its Not"
Him - "Want to make a bet"
Me - "Yea"
Him - "This is private property, its very different than a public place, call you buddy right now
Me - "I dont have any buddies"
Him - "If you get in a accident here..... Im gonna call the police"
Me - "If I get in a accident here your gonna call the police???"
Him - "Delete my picture right now or Im calling the police"
Me - "You want me to delete it???"
Him - "YES"
Me - "Ok, here Ill show you"

Pull out my phone, stand sideways and hold it up for him to see, pull it up and say

"Aww look at that face, DELETE"

I look back at him staring into his eyes with a sinister smile and nod and turn and start to walk out slowly as I say have a good one, I do a half turn around again as I'm walking away and just look at him with the same smile and go outside, the look on the faces of the 2 sales guys in there who i have met before is priceless !

I get in my car and call my wife to tell her what I did while Im looking into the building in his direction, I start her up, cirlce the parking lot VERY slowly, and stop again in front of the doors, and look over at him for about 15 seconds while on the phone, and then I drive off very slowly

And for those who dont know ITS NOT ILLEGAL, Private or Public, I cannot get in trouble for it, The most they can do is ask me not to do it, and If I dont stop, ask me to leave

I wonder how he slept last night?

jpsuperman81 · 09-09-2009, 03:12 PM

What a douchebag! Can't believe some of the stuff he said to you. Pic thing is priceless.

S8ER01Z · 09-09-2009, 03:12 PM

As a fellow brother (FF/EMT) wtf? You put up with that? I would have walked the second the guy started being an ass. The only way to hit one of these guys where it hurts is to take your money elsewhere. Just doesn't seem worth it to play the games and deal with that crap.

Good luck with everything.

Jeanius · 09-09-2009, 03:17 PM

Quote:

Originally Posted by S8ER01Z

As a fellow brother (FF/EMT) wtf? You put up with that? I would have walked the second the guy started being an ass. The only way to hit one of these guys where it hurts is to take your money elsewhere. Just doesn't seem worth it to play the games and deal with that crap.

Good luck with everything.

Id be out of a car which I have waited 4 month for, and my salesman was AWESOME and so was the Sales Manager.

If these cars were on the lots and available for purchase I sure as hell would have gone somewhere else!

My Camaro was the last one they were able to secure because they lost their franchise, and I wouldn't doubt if them losing it had alot to do with that POS

Crowley · 09-09-2009, 03:17 PM

That guy should be fired ...

Crowley

Jeanius · 09-09-2009, 03:20 PM

you guys think I should find a sound clip of people screaming and call the dealership and ask for him, and when he answers just play it???

BBQTriAngle · 09-09-2009, 03:22 PM

Nice work.. what a d-bag

*The_Blur* · 09-09-2009, 03:22 PM

Honestly, you should have never done business with such tools. While you clearly scared the piss out of this guy, the fact is that you paid for people like this to stay in business. I simply can't do business with someone I don't respect. It is good to see that you got your car, but there shouldn't be any snags in the process.

chris rs ss · 09-09-2009, 03:25 PM

i don't understand how taking a picture of someone "scares them"?

wullger · 09-09-2009, 03:25 PM

Sorry to hear about the lousy finance dept. experience. I was pleasantly surprised at how smoothly my 15-20 minutes in my dealer's finance office went! He was probably just pissy because they didn't make any money off of you on the backend, by padding the interest rate

.

FenwickHockey65 · 09-09-2009, 03:32 PM

Quote:

Originally Posted by chris rs ss

i don't understand how taking a picture of someone "scares them"?

Hah same here, still a funny story though.

Jeanius · 09-09-2009, 03:33 PM

Quote:

Originally Posted by chris rs ss

i don't understand how taking a picture of someone "scares them"?

Its not only the taking a picture part, its the whole demeanor when its done, it was after being disrespected by the POS, and when I did it I was trying to act as wierd as possible, psycho-ish

He does not know me, how does he know I am not capable of having him followed, confronted, or having his brake lines cut? I am a 23 year old Mexican guy from an urban city, Although i am NOTHING like this, if I dressed and acted differently I can fit in with the worst of street organizations around CA, like I said, he does NOT know me, I wanted to teach him a lesson, be careful who you talk to that way because you never know who is on the edge or who has a screw loose, especially in this day and age when you have people going into museums and shooting security gaurds and all the other horrible things that happen that lack explanation or understanding, you know?

He has a wife and kids, I know if someone did that to me, It would stay in the back of my head for at least a few days, do you think he would have threatened to call the police if he wasn't scared??

MontyCarlo · 09-09-2009, 03:34 PM

Seems like way too much hostility towards the finance guy if you ask me. Mine tried to talk me into just as many added expenses, but they tend to mirror whatever attitude you've got.

Jeanius · 09-09-2009, 03:38 PM

Hey if you think he should be fired, or you will never do business with this dealership because of this guy please post, I will forward this to the owner

09-09-2009, 03:05 PM	#1
Jeanius Drives: Blk/Blk 2018 Sierra SLT Join Date: Dec 2006 Location: Golden State Posts: 2,925	I scared the DOG SH out of my FINANCE GUY!! LONG READ, WORTH IT** So I purchased my car from Michael Stead Chevy in Walnut Creek, CA. GREAT Salesman, GREAT Sales Manager.... Ive never wanted to punch someone in the face so hard, who i had only known for about 15 min.... The finance guy So Saturday I go in to pick up the car, I present my PenFed Check, find out its a draft check, they want to run mine and my wives credit and secure another loan just in case anything happens to go wrong with PenFed, I think its BS, but whatever I know PenFed will come through, and I just want to leave with my car so we agree, fill out the app, go through the motions and aquire the 2nd loan. SO he shows me what I got approved for, the amount of months, interest rates, and on my PenFed he has added Resistall and LoJack to the loan, I tell him the other 2 I dont care about since I wont be getting them, and I dont want either of those 2 added to my loan, he tries to argue a little, I tell him my brother in law works for LoJack and I could get it from him if I wanted it, and he says well he cant get a discount on it..... WHAT?? YOU KNOW MORE ABOUT MY BROTHER IN LAWS JOB AND DISCOUNTS THEN HE DOES??? and we both tell him sternly YES HE DOES. So at this point he is already getting under mine and my wifes skin trying to pull that. So anyway, we leave to get cash for the down payment to make things easier. Come back he has the paperwork ready for us to sign. We go into his office, and here he goes trying to sell me extended warranty, No thank you, maintenance plan.... NO thank you.... some other service which I cut him off by saying I DONT WANT ANYTHING ADDED TO THE CAR to which he reply's No Problem sir I see you like to pay MORE with a smart ass sarcastic attitude. Im there with my wife, its a big day for me, so you know what, I smirk and let it slide, because Im thinking I will never had to deal with this POS again. He again offers me the resistall and explains it to me, and I tell him ive already spent alot of money on detailing items, and done alot of research, he starts to go on about how theres no warranty if I apply anything but resistall has 7 years blah blah and I start telling him that I know many people with collector cars with 30 year old paint jobs that still look new, I know people with tire shops, mechanic shops, Lojack, everything he can offer me I can do myself at a better price. So its over Ill never have to see this POS again right? WRONG My salesman calls me yesterday and tells me we have a problem, I didnt sign the PenFed check DAMNIT!!! So he tells me I can come in tonight before 7 and sign it, I ask him well, what about my wife doesnt she need to sign it also? Ugh the finance guy didnt mention that Ill ask him and call you back Sure enough, she does, so theres the problem since my wife gets out of work too late to make it there by seven, now I am talking to the finance guy over the phone and hes telling me we can mail it to you, sign it and overnight it to us, or you can come pick it up tonight, and take it home for your wife to sign it and then overnight it. I tell him Im not going to pay out of my pocket to overnight it to him, and he says well sir at this point its your time and its your money, you presented your own draft check and I outlined what you needed to sign and you didnt sign it Me - "I understand I didn't sign it, its on both of us though and Im not paying $25 out of my pocket to overnight it to you, your 30 min away Ill send it regular mail with signature confirmation and itll be there the next day" Him - "So you want me to pay for it? Sir your the one who didn't sign it" Me - "ISNT IT YOUR JOB AS A FINANCE GUY TO MAKE SURE EVERYTHING IS SIGNED AND FILLED OUT CORRECTLY?" Him - "I SHOULDN'T HAVE TO BABY A GROWN MAN" Wow, that was the last draw, all I could do was laugh, I said ok I will see you at 6:30 All of these thought about all the things Im going to say, Im gonna get in his face, invite him to clock out and talk about it outside, I am soooo pissed off I am SHAKING So I call my wife, tell her the situation and what happened, she says she can go over right now and sign it before she goes to work, I call my salesman and tell him she can go, but I DO NOT want her to deal with that POS, she will sign it with my salesman and not be within 5 feet of that waste of skin. he agrees So for the next 2 hours i am trying to calm down, I am at work, I am an EMT and I work with people in emergency situations, I have to focus and be compassionate and empathetic and this just threw me off. Im getting off at 6 and I get a idea, I turn to my partner and ask him, what would you do if you had been arguing with someone and they took out their phone or camera and took a picture of you? Man I would be really tripped out, I wouldn't know what to think.... So at this point my wife has informed the sales manager of what happened, he contacts me and apologizes, listens to what I have to say, and he forwards the info to the Owner, he tells me he will try to have someone else be waiting for me when I get there. I arrive at 6:40, walk in, noone greets me, I walk towards the offices and theres the POS, I say WHATS UP MAN with a smirk, "Hello Sir, Right this way sir, After you.. We go into his office, he shows me where to sign, I sign, he takes it turns around in his chair, puts it away while he is telling me it will be overnighted to Penfed the next day while he around I put my phone up as soon as he turn in the chair, Click makes a snap shot sound and everything I get up with a smile and start to walk out Him - "Did you just take a picture of me????" Me- "YUP" with a sinister smile Him - "You know thats illegal" Me - "No Its Not" Him - "Want to make a bet" Me - "Yea" Him - "This is private property, its very different than a public place, call you buddy right now Me - "I dont have any buddies" Him - "If you get in a accident here..... Im gonna call the police" Me - "If I get in a accident here your gonna call the police???" Him - "Delete my picture right now or Im calling the police" Me - "You want me to delete it???" Him - "YES" Me - "Ok, here Ill show you" Pull out my phone, stand sideways and hold it up for him to see, pull it up and say "Aww look at that face, DELETE" I look back at him staring into his eyes with a sinister smile and nod and turn and start to walk out slowly as I say have a good one, I do a half turn around again as I'm walking away and just look at him with the same smile and go outside, the look on the faces of the 2 sales guys in there who i have met before is priceless ! I get in my car and call my wife to tell her what I did while Im looking into the building in his direction, I start her up, cirlce the parking lot VERY slowly, and stop again in front of the doors, and look over at him for about 15 seconds while on the phone, and then I drive off very slowly And for those who dont know ITS NOT ILLEGAL, Private or Public, I cannot get in trouble for it, The most they can do is ask me not to do it, and If I dont stop, ask me to leave I wonder how he slept last night? __________________ SOLD: 2SS LS3 M6 - MGW - Dynatech LT's HF Cats - Magnaflow Street CB - ADM Race CAI - Pedders Xa Coilovers - Pfadt Sways TRADED: 2016 2SS M6

09-09-2009, 03:12 PM	#3
S8ER01Z Drives: Camaro Z28 Join Date: Jul 2009 Location: NC Posts: 447	As a fellow brother (FF/EMT) wtf? You put up with that? I would have walked the second the guy started being an ass. The only way to hit one of these guys where it hurts is to take your money elsewhere. Just doesn't seem worth it to play the games and deal with that crap. Good luck with everything. __________________ 2001 Camaro Z28 M6 (MTI Lid/FRA, LS6 Cam, BBK LTs, 3.90s) 2021 Durango Hellcat

09-09-2009, 03:17 PM	#5
Crowley Okie doke Drives: 2012 GT500 Join Date: Sep 2008 Location: McKinney Texas Posts: 3,568 View My Garage	That guy should be fired ... Crowley __________________

09-09-2009, 03:20 PM	#6
Jeanius Drives: Blk/Blk 2018 Sierra SLT Join Date: Dec 2006 Location: Golden State Posts: 2,925	you guys think I should find a sound clip of people screaming and call the dealership and ask for him, and when he answers just play it??? __________________ SOLD: 2SS LS3 M6 - MGW - Dynatech LT's HF Cats - Magnaflow Street CB - ADM Race CAI - Pedders Xa Coilovers - Pfadt Sways TRADED: 2016 2SS M6

09-09-2009, 03:22 PM	#8
The_Blur Moderator Drives: 2018 Harley-Davidson Street Bob Join Date: Nov 2007 Location: San Diego Posts: 14,769	Honestly, you should have never done business with such tools. While you clearly scared the piss out of this guy, the fact is that you paid for people like this to stay in business. I simply can't do business with someone I don't respect. It is good to see that you got your car, but there shouldn't be any snags in the process. __________________ RDP Motorsport//GEN5DIY//Cultrag Performance//JPSS//Rodgets Chevrolet// Operation Demon//Buy at Invoice//RACECARWEAR RESPECT ALL CARS. LOVE YOUR OWN. warn 145:159 ban

09-09-2009, 03:12 PM	#2
jpsuperman81 Yep I'm back! Drives: 2017 Krypton Green 1SS 1LE Join Date: Mar 2009 Location: Indian Trail, NC Posts: 2,565 View My Garage	What a douchebag! Can't believe some of the stuff he said to you. Pic thing is priceless.

09-09-2009, 03:22 PM	#7
BBQTriAngle Drives: 2010 IBM SS/RS Join Date: Aug 2009 Location: NJ Posts: 87	Nice work.. what a d-bag

09-09-2009, 03:25 PM	#9
chris rs ss Drives: black 2ss/rs Join Date: Aug 2009 Location: va Posts: 120	i don't understand how taking a picture of someone "scares them"?

09-09-2009, 03:25 PM	#10
wullger Supercharged Drives: 2010 Camaro 2SS/RS Join Date: Apr 2009 Location: Tyler, Texas Posts: 1,576 View My Garage	Sorry to hear about the lousy finance dept. experience. I was pleasantly surprised at how smoothly my 15-20 minutes in my dealer's finance office went! He was probably just pissy because they didn't make any money off of you on the backend, by padding the interest rate . __________________ 2SS/RS IBM A6, White Rallies Ordered: 4/30/09 Delivered: 8/18/09 Appearance Mods: Heritage Grille, ZL1 Replica Wheels Performance Mods: Flowmaster ARH Cat-Back Exhaust, ADM CAI, ADM L99-LS3 Conversion, ADM LSA Supercharger Kit, Lingenfelter GT9 Cam, Stainless Power Headers, Detroit Speed Sway Bars, ZL1 Fuel Pump 581 rwhp/535 lb/ft tq Last edited by wullger; 09-09-2009 at 03:37 PM.

09-09-2009, 03:34 PM	#13
MontyCarlo Drives: 2010 2LT/RS auto IBM Join Date: Mar 2009 Location: Denver, CO Posts: 1,259	Seems like way too much hostility towards the finance guy if you ask me. Mine tried to talk me into just as many added expenses, but they tend to mirror whatever attitude you've got. __________________ FAQs: 1. No, I do not have any strong opinions about the Monte Carlo. 2. Yes, I know what my name looks like. 3. Yes, but the medication helps immensely. 2LT/RS IBM/gray #21,895 ordered April 21st, delivered July 3rd

09-09-2009, 03:38 PM	#14
Jeanius Drives: Blk/Blk 2018 Sierra SLT Join Date: Dec 2006 Location: Golden State Posts: 2,925	Hey if you think he should be fired, or you will never do business with this dealership because of this guy please post, I will forward this to the owner __________________ SOLD: 2SS LS3 M6 - MGW - Dynatech LT's HF Cats - Magnaflow Street CB - ADM Race CAI - Pedders Xa Coilovers - Pfadt Sways TRADED: 2016 2SS M6

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