Express Credit Auto review: Awful experience 49

THANK all of you people because i my self have a poor credit score( 625) and looking for a vehicle. Due to the comments that i have just heard about this company i will no longer consider doing business with these people, EVER! 1 whole page and not 1 good consumer comment, '' COME ON''. My heart goes out to the 1's stuck with car notes.

I purchased my car from express credit auto march 2010 the staff is very nice at the place on 39 th st place in okc but there is a lot of things they dont tell you like that they have devices in them and that there warranty doesn't cover much or if you dont have full coverage insurance that they charge you 110 extra a month. This isn't anywhere in the the contact that I signed! The first month I had the car it kept over heating they finally got it fixed, they always call or txt me the day before my payment is due and I'm a dental assistant and I waitress on the weekends I make my $200 payment when its due and then make the 24 remaining bal by the 4 th day they always cut my car off b4 I can come pay it even after I have discussed this with the payment person and the account manager. The supervisor also called me and was very rude, when I purchased this car they told me they would help me if I was going to be late on my payment, they never do, they treat you like you are dirt its always the same answer with everyone you talk to they always say well your car will be turned off on the 4 th day, they would rather turn ur car off over 5 bucks and not let you drive it then let you pay them the 5 bucks in 2 weeks, I will never buy another car from this place or refer someone to them and in fact if I wasn't so young and trying to build my credit I would give them this car back and take my business else where where it could be appreciated and did not cost me so much for a 5 year old car! I am very displeased with the management of this place, I wish the management was like the staff I delt with!

I also purchased a vehicle through ECA back in November of 2009. When I purchased it they did not advise me that it could be turned off.If I would have know that I would not have purchased from them.I will not ever purchase one from them again or will I advise anyone else too. I had my vehicle shut off after I had made my payment that morning. When I bought the vehicle I told them that I got paid on the 15th and the 30th and they said that would be fine.I even made them a copy of my pay dates.Anyway I received a phone call on December 14, 2010 from Larry who works for ECA and I told him that I would be in on the 15th right after 9:00am to make my payment like I always do. He said that would be fine but if I did not make it the car would be turned off on Friday the 17th. I kept my promise as usual and was there at 9:20 am with my payment on the 15th. I went to start my car at 2:00pm and it would not start. I called my husband because I told him that I made the payment that morning.
Well, I called ECA and asked them if they shut my car off and the girl on the other end was very rude. I told her I made the payment that morning and don't they check to see if the payment was made before they start shuting cars off. She told me because I was late with the payment that they turned it off.I told her that I spoke with a Larry at ECA and he told me that there would not be a proble if I brought payment in on the 15th. I told the young lady that I wanted to speak with a supervisor or vice president or someone else and she said that no one was available. This has been a complete nightmare every payday.If they say they will work with you and all you have to do is call and make arrangements when you will be able to bring your payment in they are not telling you the truth. The truth is I will never buy another vehicle from them or send anyone to them because of the way they do business! Upper management is not getting involved enough with the patrons that keep them in business. They need to realize that working with an individual will help them more and they could get more business that way.

I cannot speak for "Chest Rockwell", but I can tell you my name is Bacon Jennings that I do work for Express Credit Auto (ECA). My office is at the I-240 & Santa-Fe location, and my direct number is [protected]. In response to "ccook60", let me first say that I can assure everyone the response provided by "Chest Rockwell" is certainly not a response from upper management, nor is it the attitude of ECA to berate disgruntled customers in online discussion boards no matter how harsh their comments may be towards to the company.

In response to the other listed complaints: I am sorry that your experiences with ECA has not been good. It obviously concerns me that you would be unwilling to purchase another vehicle from us. I would like to address your listed concerns in an attempt to salvage relationships that we value very much.
1. I can assure you that all of our vehicles are not the same price. We offer a wide selection of vehicles that vary in price, size, equipment and mileage.
2. We would agree that using payment devices is not ideal, however we specialize in the high-risk credit market. The use of payment devices allows the underwriters the opportunity to loan money to individuals who otherwise may not qualify for financing. We did experience a number of problems with the devices we previously placed in the vehicles, so I do not doubt the validity of your statement. I can tell you that we have switched technologies and no longer use devices that require manual input of codes, or are even visible for that matter. This has significantly reduced the number of reported issues while still allowing us to qualify individuals regardless of their credit histories.
3. I cannot speak to the mechanical issues with your vehicles, as I do not have the specific information available to me. If you would like to call me and provide this, I would be happy to address it in a more detailed manner. It appears however, that even though your vehicles had issues, we stood behind the vehicles and had the issues corrected. We do check every vehicle thoroughly before offering them for sale, in an attempt to ensure that we are providing the best possible transportation choice available. We do make mistakes, and we are not perfect. This is the defining reason behind our warranty. We all understand that cars are mechanical, and no matter how thoroughly something is examined or serviced, things will still break or go bad. We cannot control this; we can make every attempt to correct an issue once it arises.
4. Even though we are a "Buy-Here Pay-Here", Express Credit Auto is not reponsible for, nor do we administer the loans offered for vehicles purchased on our lots. We work with a company called Auto Advantage Finance (most current or previous customers will recognize this) and they service the loans issued against the vehicles used as collateral. As a matter of fact, you will never see ECA listed as a lienholder on a title, as a payee on a vehicle payment, etc. This is no different than buying a vehicle from "XYZ Ford", and having the financing arranged through one of the lenders they work with, such as "ABC Bank". Auto Advantage Finance (AAF) maintains "branches" if you will, at all four of our locations. The decision to work with you on payments or to "come after your vehicle" is no more under my control than it is yours; the exact same as the experience would be at "XYZ Ford". Whether or not your vehicle is running properly is of no real consequence to the bank, as it does not change the fact that you would still have scheduled payments due that you promised to make when signing your finance contract. ECA's concern would obviously be with your vehicle's condition and getting you back on the road as quickly as possible . While I understand your complaints, I simply feel as if they are being directed at the wrong company. Again, you wouldn't call "XYZ Ford" and complain to your salesman if you had fallen behind on your payment to "ABC Bank" who financed the vehicle. You would of course call if the vehicle wasn't running properly. I acknowledge the fact that we have chosen to maintain and establish a close relationship with AAF, and I do take your concerns seriously. I will pass them along to the appropriate personnel within AAF.
Once again, I apologize for any issues that we may have caused, and I invite you to call me at anytime to discuss your concerns further. Thank you.

It is very obvious to me that the upper management in this company is not spending time on customer service issues to benefit the customer. They do, although, have ample time to post negative comments back to the disgruntled customers to cut them down for using their company to purchase a vehicle since their credit isn't up to par. This company has no problem kissing a persons butt to purchase a vehicle through them and once that vehicle is purchased, the company washes their hands of that customer even stooping as low as throwing out negative comments for having to use a specialized dealer cause their credit is poor. Heck, most of america has below average credit due to our poor economy. What this company is forgetting that its due to these customers that this company is still in business.

So Leslie, you are mad because a used vehicle that ran perfectly for the first six months you owned it, started having mechanical problems? How exactly is this the fault of the dealership? Why are you not upset with Dodge? Did you not get a copy of your FREE warranty when you signed your paperwork? Was there ever any mention of your windows being covered? Did Express Credit Auto manufacture the vehicle or just sell it? And how exactly are they ripping you off? Are they suppossed to anticipate any and every problem your vehicle may have in the future, and then provide you coverage for such? How have you maintained the vehicle? Have they ever made you show maintenance records? I pity you for lashing out at the employees of a company (who you approached I might add) because you're mad that the vehicle you own has moving parts that break. Congratulations for making your payments on time; if you had done more of that in the past, you probably wouldn't have had to go to a special credit lot in the first place. What a shame! :(

OMG! We also bought our Dodge Drango at Express Credit Auto, back in Oct.2008. This truck (i thought was a great deal, at the time) was like "new" to use. The first 6 month was fine, then thats when all HELL broke out on this vehicle! There was the "engine" light that was on when we got the piece of crap, the dealer said it w0uld go off after we drove it for awhile...will low and behold the darn light never went off! We live 2 hrs away from OK City, but made the trip to have there service department turn off the light, but to our suprise they said they had nothing to do with that light! It makes a aweful clanging and banging noise when it starts, the driver side window just fell outa the blue and of course Express Credit Auto said our warranty did not cover any of the problems this vehicle is having. WHAT DOES IT COVER THEN? As of today, 8-13-10, it broke down on me and my 2 small kids, with the heat being 109 degress, with no AC. Now its just setting in my driveway. I am SOO angry with this company, I will never buy from them or suggest them 2 anybody! Its been a living HELL ever since then. We ALWAYS pay our payment on time, but Express Credit Auto will not be professional enough to handle bussiness like they advertise! They are a sad company and I pitty all its employees for ripping all of us hard workers off that thought we were getting a great quality car from them! What ashame! :(

I agree with you completely, bought my car back in August 2009, and I havent had as much of car trouble as you buy they tried selling me a 2004 dodge stratus with the front fender falling off th car, they put a pin in it to hold it up then tried again, i refused that one, took a different car but same model. ive made my payments ontime everytime, there was one time i was unemployed for almost a month and i tried to see if they would help me out this one time, they proceeded to tell me i had til such a date and they would be turning the car off, i had til then to pay it, it was like 3 days before i would get the money. they call you continuously even after talking to them, and are very rude about it, they have called me the same day its due around 5-7pm its like i still have time. Will not be getting a car with them again

Maybe you should make your payment on time and you wouldn't have this problem. I don't see how this is there fault!