Originally Posted by Zaggeron

a couple of phone calls with the credit collection department of a given dealership is not necessarily representative of the dealer in general. On the phone she can't tell what the hell is going on ... somebody either told her or wrote it down somewhere that you owe the money -- you say you don't. This is a dead end. I think you should go down to the dealership and talk to the manager. Show him your purchase papers. Have him tell you the name of the salesman who sold you the car and the finance employee you closed the deal with. Assume it was an honest mistake. Ask the manager to help straighten it out. If at some point the manager says "sorry, we can't help you. You owe the money". Then the negotiation has ended and you pursue other options.