CarMax

December 18, Roman"> [redacted] Revdex.com [redacted] RE: J [redacted] [redacted] (“the Vehicle”) Dear [redacted] ***, Thank you for forwarding this complaint received in your office from [redacted] *** regarding the Vehicle purchased from CarMax of [redacted] (“CarMax”) on 07/09/ [redacted] is requesting a refund on her Extended Service Plan The Vehicle was totaled in an accident on or about 8/28/ [redacted] did not inform [redacted] of this accident in a timely manner, causing the Vehicle loan to go into repossession statusOnce the Vehicle was in repossession status, [redacted] cancelled the Extended Service Plan contractBoth [redacted] and CarMax have unsuccessfully attempted to contact [redacted] to address this concernCarMax will continue to keep [redacted] informed of any information we are able to gather on her behalf CarMax appreciates the opportunity to respond to this complaintCarMax is still working to assist [redacted] with a resolution, but the finance company and insurance company are responsible for the outcomePlease call me at (***)***-***, extension***, if you have any questions Sincerely, [redacted] CarMax Customer Relations

July 26, [redacted] Moorefield Park Drive, Suite Richmond, Virginia Re: [redacted] Complaint ID [redacted] (the “Vehicle”), VIN: [redacted] Dear Mrs***: I am writing in response to your letter dated July 8, wherein you forwarded a complaint from [redacted] regarding the Vehicle purchased from the CarMax store located in Des Moines (“CarMax”) on or about December 11, Mrs [redacted] complaint is that she was confused by the coverage of the Guaranteed Asset Protection ("GAP") product she purchased She thought the product would cover her car payments if she became sick CarMax does not offer any such product and our processes for offering GAP are standardized and follow a specific flow within our sales transaction program In fact, when Mrs [redacted] first brought this concern to our attention we conducted an investigation and concluded that no one misled Mrs [redacted] into believing the product offered was for anything other than GAP, which would cover the balance of her account if she incurred a total loss Our standardized process for the presentation of the GAP product begins after a credit offer is selected This action prompts the system to display the screen introducing GAP The GAP screen explains, among other things, that a GAP Agreement pays the difference between what you owe and what insurance will cover in the event of a total loss Additionally, the screen displays the cost of GAP If the customer makes the choice to purchase GAP he or she does so on this screenFollowing the Retail Installment Contract, the GAP Waiver Agreement is presented As the associate walks through the form they explain the coverage terms and advises customers to read the contract thoroughly to understand their obligations under the agreement, as well as their benefits It is important to note that this paperwork presentation is performed by someone other than the associate who first introduced the GAP product during the sales transaction, so if there was confusion by Mrs [redacted] during the sales process, the business office associate would have been able to address this confusion at the time they were reviewing the GAP Waiver Agreement CarMax does not offer any product that would function as disability insurance, which seems to be what Mrs [redacted] describes Our records reflect that CarMax’s Customer Relations Department conducted an investigation of Mrs***’s initial complaint regarding this issue between the dates of July 6, and July 8, At that time we concluded that our standardized process was followed and provided the above explanation to Mrs*** CarMax appreciates the opportunity to respond to this complaint and will honor Mrs***’s request not to be further contacted back by the businessPlease contact me at [redacted] extension [redacted] with any questions you may haveSincerely, Nekia W [redacted] ***

March [redacted] Revdex.com [redacted] Richmond, Virginia Re: [redacted] [redacted] Dear [redacted] ***: Thank you for forwarding the complaint received in your office from [redacted] concerning the Vehicle purchased from CarMax of [redacted] (“CarMax”) on August, In his letter, [redacted] expresses dissatisfaction with the Vehicle and the interest rate on his financing, and requests the opportunity to trade the Vehicle for a “new” one CarMax appreciates the opportunity to respond A review of CarMax service records shows that the Vehicle was serviced only one time at CarMax, on August 2013, under the terms of the 30-Day Limited Warranty At that time, the concerns addressed were related to tire pressures, a grinding sound when braking, hesitation on acceleration, and shaking while at idle Tire pressures were adjusted, no problem was found with the brakes, and the Vehicle was found to be accelerating as designed The idle air control valve was found to be faulty, causing the shaking at idle It was replaced, and as part of that repair, the air filter, throttle body gasket, and screws were also replaced CarMax has no record of any additional complaints since that time [redacted] references a recall notice that he received six months after purchase Recalls are issued by the manufacturer of a vehicle, usually in response to a specific safety concern Recall notices are sent to the current registered owner of a vehicle CarMax is unable to predict when or if any manufacturer may issue a recall [redacted] is encouraged to contact a local [redacted] dealer to pursue repairs under the terms of the recall notice at no charge to him At the time of purchase, [redacted] provided CarMax his personal and financial information to complete a credit application The application was submitted electronically to multiple finance companies, and [redacted] was extended an offer of financing by Drive Financial Services at a rate specified by the finance company As such, CarMax is not a party to the contract and does not make financing decisions If [redacted] is dissatisfied with the Vehicle, CarMax would be happy to appraise the Vehicle and make an offer to purchase it [redacted] is welcome to visit CarMax at any time during business hours to have the Vehicle appraised and explore options for the purchase of another Thank you for the opportunity to respond If you have any questions, please contact me directly at [redacted] extension ***Sincerely, [redacted]

[redacted] Revdex.com>Moorefield Park Drive Suite Richmond, VA Re: [redacted] Dear [redacted] ***, Thank you for forwarding the complaint received in your office from [redacted] regarding the [redacted] (the “Vehicle”) that she purchased on or about July 26th, from the CarMax store located in [redacted] (“CarMax”) In this complaint, [redacted] is requesting to be reimbursed for interest owed According to our records, the Vehicle was returned to CarMax on or about July 29th, The reimbursement for the Vehicle purchase was delivered to [redacted] home address via [redacted] on or about August 11th, CarMax agreed to reimburse interest owed until the replacement vehicle arrived CarMax notified [redacted] that we would need a statement showing the daily interest in order to submit a refund for the interest [redacted] should contact the business office manager, [redacted] at [redacted] x[redacted] to submit the statement for interest owed CarMax appreciates the opportunity to respond to this complaint Please call me at [redacted] , extension***, if you have any questions Sincerely, [redacted]

9"> February 6, Via Electronic Mail [redacted] Revdex.com Moorefield Park Drive, Suite Richmond, VA Re: [redacted] Dear Ms***: I am writing in response to your letter which forwarded the complaint of [redacted] ***yOn May 2, 2010, Mr [redacted] (***’s father) purchased a [redacted] , VIN [redacted] (the “Vehicle”) at the CarMax of [redacted] , CA In his complaint, Mr [redacted] is requesting that his refund for Extended Service Policy (“ESP”) be cancelled as of July 15, On or about January 22, 2015, Mr [redacted] did reach out to CarMax about the cancellation of the ESP and the actual date on which he sold the Vehicle Mr [redacted] did not originally purchase the Vehicle and was unaware of the return policy of the ESP Mr [redacted] did received a partial refund of $for the cancellation of January 22, As a gesture of goodwill, CarMax is refunding the difference between the actual date of cancellation and the date on which Mr [redacted] sold the Vehicle CarMax appreciates the opportunity to respond to this complaint and believes this matter to be fully resolved at this timeIf you have any questions, please call me at [redacted] , ext *** Sincerely, [redacted] Customer Relations Analyst

I bought vehicles from the CarMax in [redacted] ***, FL....both were lemons The first one I bought was a [redacted] (jan 2013) The day AFTER I bought it the check engine light came on I called and had to return there miles round trip for them to repair it Well, after it being in the shop, over times in those years, sometimes for more than a month at time, I'd had enoughI got a low trade in price (they tried to tell me that it was a GREAT price considering the circumstances) I personally felt they should have given me back what I paid for it since I had had nothing but trouble with it since the day I bough it....of course, that didn't happen! I then bought a [redacted] Two weeks after I bought it, it had an issue with the check engine light coming on, a little wrench on the dash, which caused it to completely shut down on the interstate at AM in the morning I coasted to the side of the road, let it sit for a bit and restarted it It seemed to be OK after that THEN the transmission started acting up Back to [redacted] I went They charged me [redacted] to tell me they could not find a problem with it and that if it continued or got worse to bring it backToday.......it died again I called CarMax...they said "bring it in" Cant..its dead on the side of the road! I ended up having it towed to the local [redacted] Dealership for repairs NEVER will I EVER purchase vehicle from CarMax

November 22, [redacted] ***, Operations [redacted] Moorefield Park Drive, Suite Richmond, Virginia Re: [redacted] Complaint ID: [redacted] (the “Vehicle”), VIN: [redacted] Dear Ms***: Thank you for forwarding the complaint dated November 6, regarding the Vehicle purchased from the CarMax store located in Riverside, California (“CarMax”) on or about October 18, In the complaint, Mr [redacted] expresses concern regarding the written appraisal offer he received from CarMax for the Vehicle, as well as indication of airbag deployment, per a [redacted] Vehicle History ReportHe requests that CarMax contact him and offer consideration by adjusting the offer he previously received CarMax’s records indicate that Mr [redacted] visited on or about November 5, to have the Vehicle appraisedWhen completing every appraisal, CarMax takes into consideration a number of factors which may impact the written offerThe Buyer completing Mr [redacted] appraisal noted major damage on the left side of the Vehicle, including: the tail light, the tail light assembly, the truck bed, the deck lid, and the rear bumperAdditionally, the right side of the Vehicle had damage to both the rear door and the cabinThe Vehicle’s headliner was noted as needing replacement and the damage on the driver’s side thigh bolster would require significant upholstery work While taking a test drive during the appraisal, multiple concerns with the Vehicle’s transmission were evidentMr [redacted] was asked immediately after the test drive if he had noticed issues with the Vehicle’s transmission, which he confirmedFollowing this conversation, Mr [redacted] received CarMax’s written offer for the Vehicle of [redacted] It is noted that Mr [redacted] requested that the written offer be increased to [redacted] It was expressed to him that the offer for the Vehicle would remain as originally presented to him, as CarMax’s appraisal offers are no-haggle An [redacted] Vehicle History Report generated on November 22, lists one accident, reported October 15, 2016, during Mr [redacted] ownership of the VehicleThe [redacted] Vehicle History Report indicates an accident with airbag deployment and accident, reported on March 3, 2008, and a second accident (without airbag deployment), reported July 16, 2016, after Mr [redacted] had purchased the VehicleBoth of these reports are without record of frame or flood damage, which CarMax guaranteesMr [redacted] was presented with an [redacted] Vehicle History Report for review at the time of sale CarMax has been in contact with Mr [redacted] through email, in person, and online regarding the offer he received While CarMax will be happy to assist with any additional questions Mr [redacted] has at this point, CarMax declines to adjust his written offerMr [redacted] is encouraged to call CarMax Riverside at 951-324-5080, should he wish to connect further CarMax appreciates the opportunity to respond to this complaintPlease contact me at [redacted] , extension ***, with any questions you may have Sincerely, Kristina S [redacted] Analyst, Executive Response Team

May 5, [redacted] 0.0001pt;">Revdex.com Moorefield Park Drive Suite Richmond, VA Re: MR [redacted] Dear Mrs***, Thank you for forwarding the complaint [redacted] received in your office from MrMichael [redacted] regarding the [redacted] **, [redacted] (the “Vehicle”) that Mr [redacted] requested to be transferred or about April 17, to the CarMax store located in Naperville, Illinois (“CarMax”) In this complaint, Mr [redacted] is requesting to purchase the Vehicle for $16, The Vehicle was placed on our website with a typographical error regarding the price It was priced at $46,by our Purchasing department, but listed in error on our website at $16, The error was quickly recognized by the Purchasing department and the website team was immediately contacted CarMax is declining the settlement request as set forth in the complaint Comparable vehicles on our website are currently selling for between $46,and $49, CarMax appreciates the opportunity to respond to this complaint Please call me at [redacted] , extension ***, if you have any questions Sincerely, [redacted] Analyst, Customer Relations

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I did speak with one of the managers from [redacted] ***She said that there is nothing she can do regarding this issueShe said that I signed the contract agreeing to send the money to my new finance companyThat part of the contract was not explained to meI was told that I should expect a check for the difference from [redacted] FinancialI contacted [redacted] and they said they do not issue checks back to their customersAnd if I want the difference, I should contact CarmaxThey have not received the difference as of June 14, It does not make any sense why [redacted] has to received the differenceThey have nothing to do with me selling my car to CarmaxWhen I sold my car, the negotiation is between Carmax and myselfWhy couldnt they issue the check to me like the way they will do it if I did not purchase a car from themAll this experience from Carmax has been a hellI know its only $and some but for me that is a lotI cant believe a big company such as carmax would not even satisfy their customerIts a small amount compared to what you will be making from the car I soldAnd the money is rightfully mineI regret doing business with Carmaxi will share my experience with them to everyone I know Regards, [redacted]

August 27, 2014> [redacted] Revdex.com Moorefield Park Drive, Suite Richmond, VA RE: [redacted] *** VIN: [redacted] (the “Vehicle”) Dear [redacted] ***: Thank you for forwarding the complaint received by your office from [redacted] regarding the Vehicle purchased from the CarMax of [redacted] ** (“CarMax”) on August 30th, In his complaint, [redacted] shared frustrations related to repair issues and is requesting that CarMax fully cover the repairs to his rear shocks and compressor CarMax was unaware of [redacted] ’s concerns until receipt of an invoice from a third party repair location not associated with CarMaxCarMax has not serviced the vehicle since March of Additionally, there is no documentation of shock or compressor problems during that visit As a gesture of good will, CarMax has brought forth the option to [redacted] of a free diagnosis for the concerns he has raisedIn addition, CarMax has also offered a discount on any parts which may be required for a repairCarMax will not be fully covering repairs for the compressor or the shocks on the vehicle Thank you kindly for providing CarMax an opportunity to respond to his manner Sincerely, [redacted]

I bought a 2011 [redacted] from CarMax and was very pleased with my experience from the Sales team to the Finance team. This was the easiest car buying and selling experience I have ever had. I went in, sold my previous car to them and purchased another all within a couple hours. My salesman was by my side from the time I walked in, to the time I left. A week or so later my salesman called to make sure everything was going good with the car. After having the car a year I called the service department with a concern from a noise under the hood and was informed I was still under factory warranty so I needed to take it to [redacted] first. Within 3 days of that called I have had 2 different people from CarMax call to check on the car and to make sure I was able to get a [redacted] dealer to help me. What fast, friendly, and over all Great service!!.

Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I am still in the process of trying to get a solution to solving the problem If not, I will have to surrender the car which is not what I prefer Thanks again [redacted]

RevDex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] Both my sales person [redacted] and [redacted] the sales manager told my husband and I that the disk that came with the car updated automatically to new maps for year 2014. The disk does not do as they told us it does. They both said it on two different occasions because we ask specifically about it. They both were dishonest. We asked for new maps and they said the disk updates automatically to reflect year 2014 so there was no need for new maps. Again we want the new navigation disk they promised.

November 4, [redacted] [redacted] Moorefield Park Drive, Suite Richmond, Virginia Re: [redacted] Complaint ID: [redacted] (the “Vehicle”), VIN: [redacted] Dear Ms***: Thank you for forwarding the complaint dated October 22, regarding the Vehicle purchased from the CarMax store located in [redacted] (“CarMax”) on or about October 18, CarMax’s records indicate that the [redacted] location’s service team contacted Mrs [redacted] on or about October 23, to extend an offer to replace two of the Vehicle’s tires at no cost to her CarMax will not be participating in reimbursement for Mrs [redacted] time and gas, as requested CarMax appreciates the opportunity to respond to this complaintPlease contact me at [redacted] extension [redacted] with any questions you may haveSincerely, [redacted]

September 16, [redacted] Moorefield Park Drive, Suite Richmond, Virginia Re: Mr [redacted] Complaint ID [redacted] Dear Mrs***: On or about September 15, 2016, CarMax attempted to make contact with Mr [redacted] by phone, in order to offer him a written appraisal for the Vehicle in the amount of $16, This offer does not reflect any deduction due to the current damage to the driver’s side headlight, but is contingent upon the Vehicle being in the same condition as when CarMax last saw it (with no new damage or excessive mileage)If Mr [redacted] would like to accept this offer, he is encouraged to visit CarMax’s Southwest Freeway location within days from the receipt of this response Alternatively, CarMax is willing to fix the damage to the driver’s side headlight at no cost to Mr [redacted] if he would like to keep the VehicleIf Mr [redacted] has any additional questions or concerns, please request that he contact me at [redacted] Sincerely, Nekia W [redacted] Analyst, Executive Response Team [redacted]

[redacted] RevDex.com>720 Moorefield Park Drive Suite 300 Richmond, VA 23236 Re: [redacted] Dear [redacted] ***, Thank you for forwarding the complaint [redacted] received in your office from [redacted] regarding the [redacted] (the “Vehicle”) that was purchased on or about May 14, 2014 from the CarMax store located in [redacted] (“CarMax”). In this complaint, [redacted] is requesting a full refund, or for CarMax to repair or replace the Vehicle. According to our records, [redacted] brought the Vehicle into CarMax for a dome light out, the Vehicle pulling to the left, and a gurgling sound under the radio when idling. CarMax did not duplicate a problem with the dome light, and diagnosed a realignment needed as well as replacement needed of the air condition compressor and temperature door actuator during this visit on or about June 20, 2014. [redacted] returned to CarMax with concerns of both brake lights out, installation needed for the air condition compressor and temperature door actuator, alignment completed, and a noise coming from the front passenger wheel area at speeds of 35-40mph. CarMax replaced the blown passenger lower brake lamp bulb, replaced the temperature door actuator and replaced the air conditioning compressor, and completed the alignment during this visit on or about June 25, 2014. [redacted] brought the Vehicle back to CarMax with concerns of both front tires making noise at 35-40mph, rattling loudly at the front end, the Vehicle pulling left, the steering wheel not centered, air conditioning sounded like the compressor was failing, passenger side tire rolling when making sharp left turns, rear hatch dents, driver’s side door will not hold open, and steering vibration more at 60 mph. CarMax could not duplicate the tire concern, loud rattling, pull, or feel of tire rolling abnormally for a four wheel drive vehicle. The steering wheel was found to be level, and the dent concern was outside of the Limited 30-Day warranty. CarMax replaced front brake pad hardware. Related to the air condition concern, CarMax replaced the compressor, flushed the system, replaced the dryer, and recharged the system. CarMax also rebalanced the tires during this visit on or about July 22, 2014. As a gesture of goodwill to [redacted] , CarMax replaced the two front tires on the Vehicle with two new tires on or about August 18, 2014. [redacted] then asked CarMax for some options related to the Vehicle concerns. CarMax suggested that the Vehicle be taken to a local [redacted] dealership for diagnosis of the items that CarMax was not able to duplicate and repair. [redacted] returned to CarMax with concerns of a whining noise at 35-40mph that [redacted] diagnosed as a transfer case, she stated that [redacted] found air conditioner compressor noisy, and she stated that [redacted] found the steering wheel off. CarMax spoke with [redacted] and [redacted] stated they only recommended a replacement of the transfer case based on customer complaint and age and mileage of the Vehicle; the diagnosis was not completely clear that the transfer case was the cause of the noise. CarMax diagnosed normal gear noise for the age and mileage of the Vehicle. Related to the air conditioner, CarMax replaced the compressor with a factory compressor and recharged the system. CarMax verified alignment of steering level; the readings were normal and CarMax gave a print out of information to [redacted] during this visit on or about August 26, 2014. CarMax is declining the settlement request as set forth in the complaint. CarMax has diagnosed and repaired the Vehicle on multiple visits as listed above. As a gesture of customer service, on or about August 27, 2014, CarMax invited [redacted] to accept a six month, 6,000 mile warranty on the transfer case even though repair or replacement was not completed based on CarMax’s diagnosis of the Vehicle. [redacted] accepted this as settlement to this complaint. CarMax appreciates the opportunity to respond to this complaint. Please call me at [redacted] , extension***, if you have any questions. Sincerely, [redacted]

September 25, 2014> [redacted] Revdex.com Moorefield Park Drive, Suite Richmond, VA RE: [redacted] (the “Vehicle”) [redacted] Thank you for forwarding the complaint received by your office from [redacted] regarding the Vehicle purchased from the CarMax of [redacted] (“CarMax”) on October 19th, In his complaint, [redacted] cited repair issues with the engine in the Vehicle and is requesting that CarMax replace the engine as a result of failure in June of CarMax was made aware of [redacted] ’s concerns with his engine prior to receiving this complaintCarMax had previously submitted a claim with the extended service provider, [redacted] ***, to determine if any assistance could be provided to [redacted] and the repairThe claim for a replacement engine was denied due to customer neglect, as there was no oil present in the engine CarMax declines to provide any reimbursement for the repairs that [redacted] has incurred, as the CarMax Limited Warranty that CarMax provides has expiredFurthermore, the guarantee on any repairs CarMax has performed has also expired as over 10,miles have been added to the Vehicle since the last repairs were completed and there was no communication on any engine issues CarMax will address any engine issues that the Vehicle currently has and will complete any needed repairs at [redacted] ’s expenseCarMax also will address any additional repair issues that the customer may have [redacted] is encouraged to contact [redacted] for the CarMax service department to arrange an appointment to address these issues Thank you kindly for providing CarMax an opportunity to respond to this matter Sincerely, [redacted]

[redacted] Revdex.com Calibri;">Moorefield Park Drive Suite Richmond, Va Re: [redacted] Dear [redacted] ***, Thank you for forwarding the complaint received in your office from [redacted] regarding the [redacted] ***, VIN [redacted] (the “Vehicle”) that she purchased on or about March 8, from the CarMax store located in Irvine, California In this complaint, [redacted] is requesting assistance with the cost of repairs As stated in her complaint, [redacted] took her Vehicle to CarMax with concerns about her brakesAfter inspection of the Vehicle, it was determined that the rotors were not bad but the brake pads and tires needed to be replacedAt that time it was explained to [redacted] that the needed repairs were due to wear and tear as [redacted] has driven about 8,miles since purchasing the Vehicle four months ago In an effort to alleviate some of the cost of the repairs, CarMax offered to complete the repairs at cost which is equivalent to about ½ of the total cost to repair [redacted] declined the offer and subsequently picked up her Vehicle CarMax regrets that [redacted] is not happy with the proposed resolutionCarMax appreciates the opportunity to respond to this complaint Please call me at [redacted] , extension ***, if you have any questions Sincerely, [redacted] Analyst, Executive Response Team

May [redacted] [redacted] Revdex.com Moorefield Park Drive, Suite Richmond, Virginia Re: [redacted] [redacted] Dear [redacted] ***: Thank you for forwarding the complaint received in your office from [redacted] *** regarding the purchase of the aforementioned Vehicle on April, 2014, from CarMax of [redacted] (“CarMax”) and the status of the Vehicle’s registration Additionally, [redacted] *** related a concern with the payoff of a vehicle that he sold to CarMax at the same time (the “Trade Vehicle”) CarMax appreciates the opportunity to respond At the time of the transaction, CarMax was unable to obtain an exact payoff amount for the Trade Vehicle because [redacted] finance company was closed Instead, an estimated payoff was used in processing the transaction so that it could be completed at the time of [redacted] visit, with the understanding that in the event that the payoff was underestimated, the variance would be his sole responsibility On the following business day, the payoff was verified as being $over the estimated amount CarMax paid this difference to the finance company in order to pay off the Trade Vehicle and obtain the title This difference is still owed to CarMax by [redacted] The processing time for obtaining plates is from four to six weeks A review of CarMax’s records indicates that the plates were received by CarMax and mailed to [redacted] *** on May CarMax appreciates [redacted] business and the opportunity to respond If you have any questions, please contact me directly at [redacted] extension*** Sincerely, [redacted] CarMax Customer Relations

Revdex.com: People who work with Carmax's "customer service" do not care about the customersI had to resolve ON MY OWN, not [redacted] who had promised to call on MondayI had faxed her info onFri., she called me back on WEDI had it already figured out by then with no help from people who were supposedly helping meHow patient would YOU be with what seemed to be a $7000mistakeI was just trying to get some help quickly.....good luck.If my company had issues like I thought I was having, we would be all over it trying to straighten outThis is NOT the case with your financial people at CarmaxI had to call EVERY MONTH when I made a larger payment to have it go directly to the principleHow ridiculous is this when I told the salesman I intended to pay it off earlyI was toldit needed to be written in the contractObviously it was notMore than once I got someone who didn't have a clue what I meant about putting the extra money on the principleAren't these supposed to be financial people? EVERY MONTH when I called, I got people who either had attitude (when someone finally answered, it was usually about a minute ordeal) How ridiculous that I had to chase after mypayments to make sure they were being taken care of correctlyIt is really a pitiful practice[redacted]