Courtesy Mazda uses the new auto dealer bait and switch program called the yo-yo scheme. They send you out the door with your vehicle, the confirmation that your purchased it and a fully executed credit contract. Then if they can't get you credit at a rate that matches what they promised you (and told you that you were approved for) they call you and ask for the car back or a new contract.
This behavior is immoral because it prevents you from shopping for a vehicle at a different dealer. They keep you on the hook, with you thinking that you have your financing lined up while all the while you are driving around a vehicle that you neither own nor are paying for.
This is dangerous to you as a consumer as they can then sue you for any damage to the vehicle, or any loss in value due to an accident. Even having the vehicle properly insured does not protect you from the liability incurred by depreciation of the vehicle due to an accident.