I was approved for a loan through a bank I have a checking/savings account with. picked a car and sent a buyer order to the bank. I signed e-documents for Disclosure and Security and Title. They sent the check to the dealer after explaining to me that I couldn't get the payment the same day as I e-signed the documents. Without that check I couldn't get the vehicle that day since the dealer had no relationship with my bank. I went to the dealer that night to pre-sign paperwork in anticipation of the check the next day and they offered to see if they could match my banks apr. They did and I chose to do the loan with them instead of waiting on the check. I got my banks check from the dealer the next day and called them to send it back. They want me to pay above stated charges.