If my car was priced @ roughly $10,600 & I put 3k ...

If my car was priced @ roughly $10,600 & I put 3k down, my loan should not still be almost 14k. It's absolutely absurd to me that I went to pay my car in full for my first payment & they're telling me it's 3k over what they priced me @. I get the taxation & fees for the DMV, but it still doesn't make sense. To make matters worse, the bank they secured my loan with isn't even on long Island, it's in Jersey. I would have to drive nearly two hours to speak with a banker to pay off my loan & I was trying to avoid making a minimum payment each month & pay off my car right away (like I told Mike when he sold me the car), also I dealt with Gerard for the financial aspect, did he just forget to tell the bank that I put 3k down on the car? With what I already accepted as minor damage to the car (rust marks here & there & a dent the side of the door from a scratch, had to pay for a missing headrest, & to have them spray giant scratches on the front bumper that is still noticeable cause all the repair guy did was take a can of spray paint to it, if that's not noticeable, making me wait four hours for that), you'd think they'd go above & beyond to take care of me. I feel like I got ripped off from this place. I hope someone calls me back to explain this problem.

Update: Should have made it very clear that the warranty you were applying to my loan was 3500 extra. Especially when you did not allow me a test drive with the car. A warranty I didn't even need if I just going to pay my off myself, meaning I could pay for my repairs myself, if need be after driving it off the lot. It was like 45 minutes before closing that I secured this car & everyone was rushing around to begin with. The secretary was incredibly rude to me on the phone just now & insists that Mike called back last night & if he did, he should have left a message. Yes, Gerard, I DO feel like I was roped in & duped out of an extra 3500. It was a mistake doing this deal.

Update #2: Being arrogant & condescending to me in your business voice & just resending me copies of paperwork is not rectifying the situation, just so you know. Just because I'm some 20 something doesn't mean I was aware then just forgot. You don't know better than your customers always & I felt like I was pushed into an extra bill I didn't want nor deserve. Not to mention, two months in the car has no windshield wiper fluid (when you were inspecting the car, you couldn't spare windshield wiper fluid, that dealership could afford it, Gerard even mentioned as much when he said the dealership could afford to paint my entire bumper most likely instead of spray canning it, which the latter was done, shocker) & 20k miles under due for a brake pad change (I had this car before, the brake pads shouldn't be required to replace this early). Maybe offer a better deal with your used nonKia cars in the future, you charged me full resale value for something that wasn't entirely complete & wouldn't come down on the price. Still pissed.