| rev:text
| - I'll start by saying I love their service department. It was the reason I decided to go with them/ I was referred to a sales associate, who was helpful with my situation since I was trading two cars that I owed money on. There was some negotiation but I'm pretty laid back so I didn't push them much. They asked for 5,000 down, I had negotiated to put 3,000 down, then they got me back up to 4,000. They said they needed it to "make the deal work". I didn't mind since it was coming out of the price anyway.
Things seemed to go smoothly. We signed papers, I bought gap, but nothing else, and I drove the car home to surprise my wife. I asked the loan officer I had a payment coming up and asked if I should pay. He said no, don't pay anything because it'll be paid off in 10 days and you're not late until 15-30. Sounded odd but I trusted him.
When I was signing the paperwork I asked the sales guy about a service plan I purchased and if it could be refunded. He told me yes and that it wouldn't be a big deal. Come to find, they don't refund service plans at all, and won't pay any portion back if you've used any of it, even if it was just air filters. So, I was out about 2,000. As a comparison, Mercedes was happy to refund the service plan I purchased from them because it had only been a few months since I purchased it and they did it as a courtesy. You'd figure after all this BS they could at least offer a credit, which I asked for, but the manager said there was nothing they could do.
Then ... I got a call the next week saying that they didn't get funding for the car because they undervalued it and would need another 1,000 or "the manager was thinking about unwinding the deal" because they were going to take a hit to make the deal work but would need another 1,000 so it wasn't worse for them. I was pretty upset because I've never heard of a dealer calling someone to basically say they'd made a mistake and now I was going to have to pay more out of pocket. I don't care I they didn't take some off the price, in business if you make a mistake, you should pay for it, not your customer. So, I got upset but because I wasn't willing to take the car back from my wife when it was a gift, I just paid the 1,000. There was some snarky remarks about how in Arizona, the contracts don't protect me from this, which even if it's the case, don't be a jerk and threaten me with.
Remember how I said I said I had a payment coming up, well because they told me not to pay it. I missed it. Not only that but I missed a payment on the second car as well because it was due too. So, now I'm hoping my credit won't get dinged because of Chapman's horrible work. Not only that but I just knocked two additional payments off of the negotiated payoffs. I told the sales guy about this and he said he would talk to his boss about refunding these but didn't think he could talk him into it because he was already taking a big hit.
So, I signed new docs and thought I was done with the place. Over the next week I received 2 letters in the mail about being declined from credit from places I never heard of. It turns out that Chapman does credit shotgunning, where they go and apply for credit from multiple places without telling you. It might be in the stacks of paperwork I signed but we never discussed it and they only ever discussed my loan with BMW financing. It was my fault for not asking, but it's still a pretty crappy way to do business. Anytime someone is checking your credit more than once they should tell you.
So, it's been about a month after I signed the new paperwork and guess what. My payoffs still haven't been made, I'm starting to think they're floating the payments so the loans will be even less. I called the sales guy and asked why they hadn't been paid yet, he had to do some research a responded back the next day that payments were sent that day and they should have them. So they hadn't even mailed them out by then. I have payment due in 3 days so we'll see if they actually did.
Stay away, worst experience ever!
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