Frank Cruz, Finance Manager at Mike Shaw Subaru, f...

Frank Cruz, Finance Manager at Mike Shaw Subaru, failed to disclose key terms of the finance agreement by charging $4000 fee for a services contract. I purchased a 2011 Subaru Legacy on June 14, 2014 for a sticker price of $16500. I ran my credit score three weeks prior to going into the dealership and my score showed as a 750 on Fico. When I was pre-approved over the phone, the Salesman, Matt Stephenson, told me over the phone that my Fico score was a 670. Then the finance manager, Frank Cruz, said that my score was actually a 656. So right off the bat they were not honest about my credit score. After agreeing to purchase the car, Matt came back and said they would be willing to finance me at a 9% rate. When I got in Frank Cruz' office to discuss finance further, I let him know immediately that I did not believe their credit score was accurate. He proceeded to tell me that he could give me a 5% rate, but I would need to purchase a services contract. He never actually mentioned the cost of that services contract would be $4000 and only cover the car up to 100,000 miles. When I asked him about the details of the contract, he stated that it would be best to just sign the paperwork and that I was getting a good deal. As soon as I returned home, I realized they had charged me $4000, which was at no point disclosed during the signing. Frank never discussed percentages or any of the fine details of the contract. On another note, when I got in the car to drive away, I noticed that the oil light on the car was on. I pointed this out to Matt, who proceeded to tell me it is no big deal and not to worry about it. I then checked the oil level, and saw that it was extremely low. I told him I was not leaving until they put more oil in the car. I asked him to have the mechanic perform a full oil change, as it would only take a few extra minutes, but Matt was so concerned about getting me out the door and on to swindle his next customer that he refused to ask the mechanic to do this. The mechanic stated that the car was actually 1.5 quarts low on oil, and filled it up.