November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
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- Marylou Griffin
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2 DEALER S BEWARE Randy Crisorio President & CEO United Development Systems, Inc.
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4 THE PAST I know your salesman told you it would be $340 per month but it s really going to be $490 so get strapped in your seat belt It s going to be a rough ride.
5 HISTORICAL ABUSE 2001 Gunderson Chevrolet - California Desking with Leg / Non Disclosure Documented Etch Sales at $2,587, $3,620, $4,237, $6,037 One Hundred Eleven Overt Acts Named in Court Seven Employees Arrested Including GM, GSM, SM, F&I Director and F&I Managers INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
6 THE HEADLINES 2001 November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
7 THE HEADLINES 2001 November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
8 THE HEADLINES 2001 November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
9 HISTORICAL ABUSE 2002 Sonic & AutoNation - Florida Inflated Pricing for Service Contracts 2002 Bill Heard Chevrolet Georgia & Florida Held Customers Against their Will Falsified Drivers Licenses Deceptive Trade Practices 2002 The Walser Group - Minnesota Payment Packing INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
10 HISTORICAL ABUSE 2004 Luther Brookdale Buick - Minnesota Violated Fair Credit Reporting Act / FCRA - FACT 2004 University Mazda - Florida Loan Application Fraud Six Employees Arrested 2004 Clearwater Toyota & Mitsubishi Florida Payment Packing INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
11 HISTORICAL ABUSE 2004 NY Attorney General Spitzer New York Attacks Dealer Practices for: Payment Packing Refusal to Return Deposits Misrepresented Contract Terms Stated Options were Required 2004 Interstate Dodge - Louisiana Forgery INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
12 HISTORICAL ABUSE 2004 Former F&I Manager Now Whistleblower Duane Overholt Sets Up Shop as: Stop Auto Fraud Attorney Referral Service and Public Citizen Publishes Rip-Off Nation 2004 The Government Offers Dealers Some Rope Compliance Programs May Offer Leniency in Criminal Sentencing and Reduce Penalties by Up to 95% ~ Compliance Training Heats Up ~ INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
13 HEADLINE ARTICLES PUBLISHED 2004 Your Dealership is Under Attack Real Life Dangers Need Real Life Defenses Avoiding the Crosshairs Faulty Habits Spell Trouble INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
14 HISTORICAL ABUSE 2005 Arizona 13 Employees Sentenced Defrauding Customers & Lenders North Carolina North Carolina FBI Raids and Seizes Documents Fraudulent Car Loans 30 Employees Indicted Mail, Wire and Bank Fraud Connecticut Forgery and Payment Packing with 4 Employees Charged Florida Class Action 40,000 Consumers Deceptive Sales Practices Colorado Bank Fraud and Payment Packing INDUSTRY REPUTATION November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
15 PRACTICES OF VIOLATORS OMISSION NON DISCLOSURE MISREPRESENTATION FRAUD FORGERY
16 NFAIR DECEPTIVE ABUSIVE UNETHICAL ILLEGAL What acts that fall into one of these categories have you heard of?
17 NFAIR DECEPTIVE ABUSIVE UNETHICAL ILLEGAL Forging a Buyer s Signature on Any Document Signing Blank Contracts Desking with LEG Payment Packing Two Inks on a Credit Application The Fedx Close The Beacon Auction How Much is Too Much?
18 NEVER NEVER NEVER Quote a rate and term, then increase the term, which raises the rate, and fail to disclose the higher rate. Quote a rate other than APR. Tell a customer that any F&I product is required or recommended for approval. Get the customer approved at an agreed upon rate, which upon approval is reduced, and fill the void with additional products. Sell a high grade service contract at one price and then issue a lower quality contract that is worth less and make up the difference with additional product or profits.
19 NEVER NEVER NEVER Forge customer s signatures or initials, regardless of how insignificant the form may be. Tell a customer that your products are included in the payment he or she has already agreed to, inferring that there is no extra cost. Tell the customer it is already on the car and they must buy it. This is abuse is common to anti-theft systems and paint protection. Play act the opening of an overnight pouch with the bank prepared contract inside. Have your customer falsify their own loan application.
20 NEVER NEVER NEVER Have your sales person embellish his or her customer credit application. That is federal bank fraud. Ever tell a customer it s required for any reason. Disclose personal business or credit history information to other employees. Mislead or misrepresent any lender concerning the MSRP of a new car. Tell a lender that the used vehicle proposed for financing has less mileage than it actually does. Tell a lender that the used vehicle proposed for financing has more equipment than it actually does.
21 NEVER NEVER NEVER Submit a credit application that you know contains either false or misleading information which might induce a lender to grant credit which otherwise may not qualify. Submit a deal to lender that has a false down payment. Knowingly participate in transmitting loan documents on a straw purchase. Deliver a vehicle to a customer that does not have car insurance. Sell a Service Contract on a vehicle with problems and tell the customer to wait a few days before filing a claim.
22 Every transaction must be transparent and above board. Practices that have been routine for years may now be legally questionable. DOING IT THE RIGHT WAY Is the only Way
23 Be informed and JUST SAY NO! : Dateline : : 48 Hours : : 60 Minutes : State Attorney General FTC CFPB November 10-11, 2014 at the Seminole Hard Rock Hotel & Casino
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