Business ProfileforGay Family Kia

I have gone over this contract so many times trying to make sense of how Gay Kia came up with a $39,462.36 Total payment amount when I had a leftover balance and gave a $500.00 down payment which I believe $4,824.34 should have carried over to the MSRP of $26,940.00. I can see it in all the extras they added. I am so upset with Gay Kia that I don't understand this feeling. I went to Gay Kia just to get a quote and I expressed this several times. After the sales rep Katy was so nice and drove the Kia K5 I was hooked and told her to start the process. My **** *** only had 13,000 miles and is in mint condition. They only wanted to give me 21,000 my payoff was $19,645.00, but I refused because the ***** **** **** is 25,000. To make a long story short after expressing I do not want to put down a down payment and want my payments to be $450.00, not the $610.00 Gay Kia was trying to sell me on. So, after getting approved I still had to go and review the paperwork and sign. Let me first say that the guy that did my paperwork talked so much and even more when I would ask about the figures it was frustrating me and I was pressed for time, so for that, I blame myself for allowing him to control the process. I got up early to view my contract and was disturbed by this. My trade-in was $24.000 take away what my pay-off was that would have given $4,324.34 in my pocket if I would have sold it to them, I also put down $500,00 which total $4,824.34 subtract that from the MSRP of $26,940.00 that would and should have dropped the total of the car to $22,615.66 at an 11.85% interest rate. Now, therefore I believe Gay Kia stole my down payment. When I plugged in my *** and looked at the contract thoroughly I noticed where the MSRP amount should be it was $29,942.52 this is because Gay Kia added these fees. Gay Value P $1,895.00/Dealer Service $310.00/ Tire $595.00. and other fees that bought the total cost owed $30,439.03 - the amount they gave me for the trade in $24,000 would have me