Cithryn, I'm sorry to hear of your recent car buying experience, this is not how we want our members to walk away feeling. I have shared your experience with a colleague who will review and reach out to you as soon as possible.
I echo the exact same sentiment. I negotiated a discount off MSRP that was nearly 10 times better than the USAA Car Buying/TrueCar scam price. I used the Car Buying Service to get the 0.5% interest rate reduction only.
USAA, if you are really looking out for your patrons, STOP OFFERING TrueCar and its bloated prices.
We appreciate you taking the time to share your feedback. The Car Buying Service pricing we offer our members is certainly optional and may not always yield the lowest price for your purchase. The Car Buying Service offers a baseline to support members who may not be as savvy in negotiating a purchase and/or need help doing so. We always encourage members to do their best in negotiating the final price for your purchase and I'm very happy you were able get a better price. At this time of year many dealerships have extreme discounts in house to clear out existing inventories to make room for the incoming models which is why you may be able to find and negotiate a more favorable price than the one listed through our Car Buying Service. Congrats on your purchase and please let us know if we can further assist you!
USAA's Truecar 'Complaints Manager' hung up on me before I got the first sentence out of my mouth.
At this point I echo BrendanAdams' eloquent summary from another thread:
"I tried the complain route. Here are the results:
What I got by complaining:
1. A lot of email and phone traffic.
2. A lot of apologies.
3. A lot of explainations about why it didn't work.
4. A lot of escalation to higher ranking people who gave me more of 1, 2, and 3.
5. A lot of time wasted re-explaining what happened.
6. A lot of additional frustration with each additional minute spent rehashing the issue.
What I didn't get by complaining:
1. A car.
2. My time back or compenstation for my time.
3. Any concessions on pricing to bring it to the guaranteed price.
4. Any modifications to interest rate to improve the situation.
5. Anyone who was able to do anything except 1-4 under "what I got..."
6. Any consequences to TrueCar or the USAA Certified Dealership.
So while lodging a complaint may seem like the right thing to do "so it doesn't happen to anyone else," I'm no longer willing to participate in that broken process. I'd rather just let everyone else know directly. Buyer beware, and cheers!"
to all when buying a new car.
1st dont buy one... buy used instead as a new car will depreciate 20% within 2-3 years. Thus if you have a collision or other situation where you must obtain other transportation, then for your new car insurance will reimburse you the depreciated value. Even applying other credits, I doubt you will be made whole based on this awful depreciation fact of math.
If you must, then use COSCO. It is a straight 4% on cars ordered. Much Higher than 4% off the MSRP price on new cars within the US. A real simple method. Not all dealers participate. BUT i found it simpler than all other methods. A REAL SIMPLE TRANSACTION to UNDERSTAND.
rule of thumb: if it sounds complicated, then run away until you completely understand.
The lesson here is that no 'service' has your best interest at heart. USAA, like any other company, is in it for profit. Even being a 'member' isn't a benefit unless you yield something like better insurance rates, better investment returns, faster service, a real response to your complaint, or other tangible thing. Other companies like TrueCar, AARP, AAA, and the car dealerships are just out to conceal how much they make at your expense.
My car purchase was from a dealer that I know through a friend. The dealer is part of the owning family, and not just an employee. No difference - I just got gouged less. He made his money, as he does every day. The 1000 cars on the lot (paid for free and clear) are evidence of that!
Shop for the best interest rate. Shop for a car at many dealerships, and take the data from the others with you. Make them compete, and don't be shy about saying that you'll share anything you get with another dealership. Don't buy at the last minute - take your time and plan ahead. Chart the pricing, holdbacks, discounts, and taxes for comparison. Shop in neighboring states (they sometimes have better deals). Don't settle for what they can find on the lot(s) if you want something specific. Stay away from fancy features you don't need or wont use.
Me, I custom ordered my Durango. No dealership in the country has one like it. It took 6 weeks to make and deliver. I had to be a jerk and strongarm the dealership to make it happen. I had to be a constant nuisance, and remind them that they are in a capitalist environment and had obligations to me once I decided to commit to them. Not a pleasant experience by any standard, but it's the only way to be satisfied that I'm not settling for the junk they ordered to quick-sell of the lot.
Remember that the only person who cares about you is the person you see in the mirror. Not USAA, AARP, AAA, the dealership, or your elected representative (no matter what party) care about your needs or situation. It's all on you!