Ciocca Subaru

Sales gets a high rating. The person was non-agressive and we worked well together. I wasn't in a rush to get a car and I wasn't pushed. I finally decided to walk into the dealership. I explored other places around here w/in a two hour radius. My goal wasn't to buy a car but to get a feeling for the dealership. Spoke to a manager and left with trepidations. I returned on my own, had no desire to speak with the manager again. Fast forward through sales because it was fine. We went to finance and this was the worst experience I've encountered. I always know my credit score range and know online free scores are always off. I accounted for that. I also know potential credit hits. What I didn't know about were scams (while there's a diff. between a scam & fraud & websites call it a "scam" I consider it fraud and it would've likely have been if the "cpa" existed, so much that when the Consumer Protection Agency (cpa) was created @2010 by Obama, dealership lobbyists generated so much flack, consumers had no protection - it's an easy find on the internet). Ultimately, we drove off that same day with a new car but ... we didn't know we didn't have a loan on it as connoted/denoted by finance. Finance: 1. We made it clear credit scores should be run only on me, not my spouse due to fraud alerts. Ofori, therefore, didn't do as we asked and this created issues less than a wk later (as Devin Kroll (finance) left a msg, an emergency that we knew would happen.) 2. Ofori's concept of a break-in period 1200 mi, and don't go over 6400 rpm and I knew it was wrong. If we went over 6400 rpm (it's at the redline point), the engine would've blown. The manual says something different that made sense. I called Subaru of America to confirm what I knew from the manual and was correct. 3. Ofori was prepared and knew the process but this is as far as a good remark I can give. Less than a week after we drove their car off their lot, we got an emergency call from Devin. Spouse called and left 4-5 msgs. for him. Also left messages for the finance manager who also never returned her call. (Since it was an emergency, I left a msg for a manager who never returned my call.) Devin claimed he never heard from spouse. He did and we can probably pull our call records. -- One message missed, I can understand. But multiple calls? When they finally spoke to each other, Devin told said to call TransUnion credit score company and provided an incorrect number to call. We had to wait in limbo and extraordinary anxiety and lack of sleep before we got the correct information. We had a car that we were driving with no loan. Ironically, we could've paid for the car and avoided this. This was a result of Ofori not listening to us and this created the escalation. I often have a pre-approved, non-dealership loan and never experienced this. Due to what happened in finance, I researched the internet about finance issues at dealerships. I learned when you drive off a lot the same day, one doesn't have a loan. It's done without clarification primarily on low credit score people. The unsuspecting buyers believe they just bought a car w/a loan that went through and sometime later, the financing falls through, so the car may be repossessed. What if they traded-in a vehicle? Decades later, I understood this to be a common issue (scam). If you don't walk away with the car (what we would've done), one keeps looking for vehicles. In our case, our salesman can attest we wouldn't have left him. We like him too much. This finance practice is bad for consumers and great for dealerships. I understand Devin said if there's a problem, they'd still give us the loan at the same % rate. But due to what we went through, how do we know this would've happened? We don't. * * * * Dealership: 1. They set the rules. This means they're responsible to what happens in finance. Why would we trust them now? 2. They send a lot of "stuff" after the purchase of a vehicle. I'd rather get gas cards or have the price of the vehicle knocked down a bit. Last: On our final day at the dealership, I saw "Customer Loyalty" discounts. We talked about it w/the sales person. We should have received it. But in the finance papers, there's no mention of this. The salesperson said it's included but to me, this wasn't enough and I didn't want that person to get involved with finance. The discount was on the Options package next to the Monroney sticker. When I finally found both stickers in the car, this information had disappeared. For years, I was an editor/proofreader. The sticker was different and info ran off the narrow page. I'll understand it. Caveat emptor and there's nothing illegal about what they did but I certainly wouldn't recommend them and warned a friend about scams pulled. It's irrelevant that other dealerships do the same thing.