I received a phone call from a sales person named Ray from Champs Auto. I was working so the call went to voicemail. Ray told me that he had gotten my inquiry regarding credit and had gotten me "Pre-Approved" for a car loan. He said they had a zero-down program going on and he wanted me to come down so that he could get me into it. He told me all I would need would be a drivers license (or state issued ID) and proof of income. (Bank Statement/Paystubs, etc.). When I got off work, I called him and set up the appointment to go down and pick up my new car.     What happened instead was that I arrived, met Ray and looked (only looked) at several vehicles on the lot, at which point Ray invited me into the office so that we could fill out an application to send to the bank to obtain financing. Remember I am already "PRE-APPROVED". I filled out his application and the next thing I knew I was being called into the office to talk to Sean, the finance manager. Ray never said anything else. Sean asked for bank records and such and said he was sending everything over to the finance company to see what they say. Again, I am PRE-APPROVED. I was sent to the outer office to await a response, then Sean left and another guy (have no idea what his name was) entered and asked more questions. HE sent me back to the outer office saying that the finance company was going to call me with questions of their own because they like to interview the people they lend money to. 24 minutes later, I had not received a call. I was told to go home that the finance company would call me in the morning and I was to call them at the dealership a soon as I heard from them.     This morning I waited until 12 noon and heard nothing from the finance company. I called Ray and was immediately shifted to Sean who said the finance company had declined to finance my car.  not to sound like a broken record, but....    I WAS PRE-F'ING-APPROVED!!!!!    They didn’t even have the common decency to call and tell me. I wasted an afternoon for nothing all because someone decided to be less than honest with me. I hope Ray and Sean can sleep at night. I hope no one ever bull$#!++$ them the way they bull$#!+ other people. I know I will never do business with Champs Auto, and I will never recommend that anyone else do either.