Buyers beware. Don't buy or service at Raceway Nissan. They are running a fraudulent pricing/fictitious billing fraud schemes. These auto frauds are very dangerous to your financial health. These scams fraudulently inflate the price of your car after they lure you into the dealership to sell at very low price using misrepresentations, omissions and deceptive practices.
The Major Players:
Internet Manager - Vanessa Ruiz
Internet Sales Director - Carlos Fernando Bosch
Finance Manager - Luis Noel Sibille
Don't' be a statistic and become one of the victims. On 9/1/2014, I received a price offer from the Internet Manager, Vanessa Ruiz that she will sell the Nissan Altima 2.5 S for $19,136 plus tax and license to match the Truecar.com price. During this time, the Internet Sales Director, Carlos Fernando Bosch used convoluted pricing to make it difficult to understand. Even with my CPA accounting background. What chance can a non-financial buyer or unsophisticated consumer stand when (s)he has no knowledge of financial accounting? Anyway, I specifically reiterated to him that the price should be $19,136 plus tax and license as quoted by Vanessa Ruiz. No more.
I drove 70 miles to the dealership. The Internet Sales Director, Bosch guided and tracked me to ensure I reach the destination. The test-drive customer service was great. No problem there. Definitely, to ensure I close the deal. The schemes began with auto financing. From here on, the Finance Manager, Luis Noel Sibille perpetrated the fraud schemes described below. (How the elaborate fraudulent pricing/fictitious billing schemes fraud are set up?) He deliberately and intentionally sneaked in fraudulent charges with an entirely different inflated price for the car altogether. The price of the car charged was $21,156 before tax and license instead of $19,136 before tax and license. During convoluted pricing negotiation, Carlos managed to get concession of $190 (floor mats) from me to add to $19,136. As a result the final price I agreed was $19, 326 (i.e. $19,136 + 190). Upon discovery of the frauds, on 9/2/14 I sent the email to all 3 fraudsters with evidence of the calculations. They just ignored it! On 9/10/14, Carlos even had the audacity to claim it is "perplex". Meaning: he don't want to understand it. Play dumb even when face with overwhelming evidence! He tried to weasel out by promising to offer another "deal". In fraud, it's called layering. The fraudster promises to "correct" the deal, but in fact it's another layer of scam to defraud again to take advantage of the initial frauds. Don't become a victim again! You are always at a disadvantage because the fraudsters have all your information - address, social security, driver's license, credit reports, etc. Anyway, total amount fraudulently charged to me was $726. It's buried deep in the contract which includes optional theft deterrence device and sales tax. I send an email to ask for refund. Got no reply to my email and Bosch refused.
How the elaborate fraudulent pricing/fictitious billings fraud schemes are set up?
The Finance Manager's office is designed to induce borrowers/buyers to sign the agreement without full disclosure of the terms of the agreement and the opportunity to read and understand what the buyers/consumers signed. First, they lured you in with misrepresentations and omissions; and deceptive low advertised price. Then use convoluted fraudulent pricing/fictitious billing schemes to inflate the price of the car. In addition, use devious creative high pressure sales pitch to secure unwanted and unnecessary options like extended warranty and services from unsuspecting buyers. When that failed, during the signing of the agreement, the Finance Manager, Luis Noel Sibille sneaked in fraudulent charges/fictitious billing in the contract. The Finance Manager's office has the computer screen built-in onto his desk. He can rotate and manipulate the agreement displayed on the screen easily. Initially, he rotated the agreement to let me check basic information like name and address; and asked me to sign electronically on the screen. Nice. After a few trial runs to gain my confidence, he induced me to sign on the electronic signature pad. Nothing was disclosed or displayed. No terms of agreement. No information. No disclosures. Just sign on the signature pad as fast as it appears for each agreement. I was NOT given any opportunity to read, review or understand what I accepted when I sign on the signature pad. By then, I realized these are red flags after all the agreements and papers signed. I also noted that the Finance Manager's office posted on the wall visibly that cooling off is not allowed after the deal is sign. It is obvious to me it is designed to intimidate the buyer and position the Finance Manager in the event there is a dispute that the signatures were obtained fraudulently. Nice try but it won't work on me.
Continue at: What can fraud victims do? read more