Rant: my credit union's 10-day payoff quote saved me $340 on my trade

Dealer quoted my payoff at $11,200 and I nearly signed, but my credit union in Reno gave me the real 10-day payoff number in writing and it came out $340 lower. Saved me two weeks of arguing at the desk. Has anyone else had a dealer try to pad the payoff, or did I just get lucky?

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