Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CarMax, Inc. (GA)

I would like to start off by first saying that it has been a long XXXX months. I have been trying to get out of my vehicle but no one has tried to even help me. I first tried to get into a XXXX XXXX XXXX XXXX XXXX. It was such a beautiful car. I had a down payment of {$350.00} plus a trade in that I still owe. At first the manager and the salesman said that I had the car and to go ahead and put insurance on it. So I went to get insurance on it with the XXXX lady. I found out that the insurance was cheaper on the XXXX than my current car. I was really happy and excited then. The manager then tells me to come back in the morning to pick up my new car. He said he was working with one of the banks that he knew to get me a good financing rate. He said I would need a co-signer. I have never in my life had a co-signer. So I thought that was weird. I knew I had good credit because I have always paid my loans back and XXXX car note paid off. So I was excited to get into this beautiful car because I love cars so much. And also people who love cars knows that XXXX XXXX makes very fine automobiles. I tell my friends about it and couldnt wait to be in it. Then the next day I go into the dealership I was excited. But the bad news was we couldnt help you get it. So I was upset. They said I needed a co-signer. I never in my life had to have a co-signer before. I never checked my credit score to know either. But then I applied for a personal loan at a credit union bank. They approved the loan for {$2000.00} for XXXX years. With great financing. They arent making much on me in those two years. After all is said and done they are only making {$200.00} dollars off me. Great people. This reminds me I have to make a payment with them. Anyways the beautiful lady said my credit score was a XXXX and that was good. So after that I tried to apply for other cars all around XXXX. I had a lot of inquiries from different dealerships trying to get out my car. They all said that I needed a co-signer or I didnt meet the credit standards. But I knew I had a good credit rating. So I never stopped trying and I finally found out that it hurt my credit score for each inquiry. The lady that gave me the loan at the bank told me that. So I continued to try because I wanted out this car and also because the first dealership told me that I would have car trouble soon. They wanted me to buy a new car. I have went to just about every dealership in XXXX and no one could help me. One salesman even went as far as adding what I owe on the car to a brand new car. That made the XXXX model the same price as a XXXX model with high interest rate. And expected me to buy it and think it as being fair. With adding no incentives or rebates. Saying I did not qualify for the program. He even said that you know that you are insane. Going everywhere and expecting a different result. No one helped me get into a new car I wanted. Even going to the next state over didnt help me. The people that were at the first dealership where I wanted the XXXX XXXX had now moved to that state. They also have others here in XXXX as well. I love cars and always will. All the dealerships in XXXX, Georgia made it like it was impossible to get a new car. I had deals on a XXXX XXXX XXXX XXXX and a XXXX XXXX Coupe from some lenders that CarMax goes through and I didnt even know because no one at CarMax even tried to contact me about it. So now I am still in the same car. I found out that XXXX rotor needs replacing and that it has been cut a few times and it just needs a new one totally. I didnt even know that. I trusted Carmax and their XXXX point inspection. But they lie so much. My car history shows no accidents. But looking at the car everyday and seeing it and driving it I know it has been in a accident. XXXX wont buy back as promise either. XXXX CarMax wont help. Love to all