A man says an independent dealer in Kennesaw, Georgia, kept him waiting for nearly a month after he drove off the lot, then ghosted his calls, tried to block his own bank financing, tried to sneak a $4,000 warranty back into the deal, and never paid off the loan on his trade-in, leaving him making payments on a truck he no longer owned. The nearly nine-minute TikTok detailing the ordeal has struck a nerve with viewers who shared their own dealer horror stories. Justin Floyd (@justinfloyd), a creator with more than 880,000 followers known for his bird, dog, and hunting content, posted the eight-minute, 55-second video on Saturday. It has since drawn almost 180,000 views. In it, Floyd names the dealership as CarVilla of Kennesaw and walks through a buying experience he calls the worst he’s ever had. Man Drives To Georgia Dealership 3 Hours Each Way Floyd says the dealer, three hours' drive from his home, had the exact trim, year, and mileage he wanted, so he made the drive. His first trip was wasted because his own bank financing hadn’t cleared. On the second trip, he called ahead and switched to dealer financing with plans to refinance through his bank later. The dealer kept him for four hours. At the end, they told him his interest rate would be 11%. “I know this is where they make their margins,” Floyd says. “I have already refused their $4,000 warranty, so I know they’ve got to make their money up somewhere.” He knew his bank had pre-approved him at 6.5% but decided to accept 10% from the dealer and refinance later, just to get the deal done. He drove off with the truck around March 6 or 7. That’s where the real problems started. 3 Weeks of Silence Floyd says he texted the salesman about a garage door opener and sunglasses left in his trade-in and was told they’d be overnighted. Days passed. He also needed a buyout document from the dealer so his bank could refinance the loan. Nobody responded. Tell us what you think! View Comments “It is now March 24th,” he says. “I have had zero contact with the dealer. Cannot get in touch with anybody.” Then the dealer’s finance department called him. The bank needed additional documents, they said, and the deal hadn’t gone through. Floyd says he had already sent those documents to the salesman on the day of the purchase. “What were y’all doing for that four hours if you did not properly package this deal?” he says. ‘You Have to Finance Through Us’ Floyd thought that if the dealer’s financing fell through, he could use his own bank’s lower rate instead. But he says the finance manager told him that wasn’t an option. “You cannot do that. You have to finance through us, and then you’re free to go off and refinance through whoever you want to,” Floyd says the finance manager told him. Floyd pushed back and asked the dealer to send him the contract clause requiring their financing. “But do you think those documents ever came? Because that was not a thing at all,” he says. Dealers earn a markup on every loan they broker, typically 2 to 3 percentage points above the rate the lender actually approves. If a customer refinances quickly, the dealer can lose that kickback. As commenter katielittrell3 noted, "If you pay off or refi your loan within 60-90 days they lose the kickback on the financing.” When the dealer finally agreed to work with Floyd’s bank, they sent the purchase price, which was $4,000 higher than the agreed amount. The extra charge was the CarVilla warranty Floyd had already refused. “You’re really trying to sneak me on this again when we both have the same documents,” Floyd says. “Can we cut the [expletive], please?” The Trade-In That Wasn’t Paid Off During the weeks of back-and-forth, Floyd discovered that a payment on his old truck—the one he’d traded in nearly a month earlier—had come out of his account. Because the deal had never been finalized, the dealer hadn’t paid off the remaining balance on his trade-in loan. This is a known risk with dealer trade-ins in Georgia. Unlike some states that set specific deadlines (Florida requires payoff within 10 working days, California within 21), Georgia has no statutory timeframe requiring a dealer to pay off a trade-in loan. The Georgia Attorney General’s Consumer Protection Division warns that “trusting a car dealer to pay off your loan can be risky business.” Floyd confirmed in the comments section that he was never refunded the payment. ‘They’ve Been Holding Them Hostage’ The deal finally closed on March 27—three weeks after Floyd drove off the lot. On March 30, he texted about his garage door opener and sunglasses. The dealer replied that they had been waiting for the deal to clear before sending them. “So you’ve been holding them hostage because y’all improperly packaged this thing,” Floyd says. Several commenters reported similar experiences. HomewithBrooke wrote, “About a month later I get a late notice on the truck we traded in! I went into that dealership HOT and watched them pull all of our paperwork out from under a stack of I’m assuming other people’s paperwork and they claimed it got misplaced.” YikesItsMike shared an even more extreme version of the same issue: “2 weeks later we got a call saying that they forgot to charge us for a few things and that contract was ‘void’. Told us we needed to either bring the car back or sign a new contract. When I refused to do either, they pulled a whole ‘we’ll report you for grand theft.’ I told them to go right ahead … Never heard from them again.” Floyd ended the video on a lighter note. “Oh, the truck is sick, by the way. Thanks,” he says. Motor1 reached out to Floyd via TikTok direct message and emailed CarVilla for additional comment. We’ll be sure to update this if either party responds. We want your opinion! 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