Discount Mattress Center

Going to your own credit union would've only resulted in exactly what has resulted from what we did to achieve the lowest rate for youAgain, it doesn't matter how many banks we send it to the affect on the credit is the same and to get ANY loan would result in a hard inquiry

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
Regards,
[redacted]

We need the account # to apply the refund to the loan balance. Therefore, at this time no further action can be taken until that time. At that time there will be a full refund given.

This warranty was purchased with Miss [redacted]'s consent. We have multiple documents signed by Miss [redacted] including the Warranty form. Miss [redacted] was not told she can't cancel the warranty, she was told she would have to wait for an account # to be generated at which point she would receive...

a full refund. At this point Miss [redacted]'s boyfriend threatened the finance manager with physical violence and he was asked to leave the office. Miss [redacted] was never asked to leave nor did she threaten to call the police. At this point another finance manager got involved and explained to Miss [redacted] again that she would receive a full refund once the account # was generated and Miss [redacted] left the dealership.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. . 
[The amount will not be applied to the loan balance. There will be no balance because the vechile was traded in. Balance is going to be paid in full when the bank clears it.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
That is incorrect. I signed the papers and purchase agreements under the assumption that I would be paying $340 per month for five years at 0% APR.You cannot make the monthly payment the entire basis of the negotiation and then change the monthly payment after papers have been signed and claim that I had full knowledge of purchase amount. I believe the entire reason that the dealership would only discuss the monthly payment with me during negotiations was to misdirect me from the actual purchase price of the vehicle and the price I was getting for my trade in. These are predatory sales practices.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the...

business response that my complaint will be closed as resolved. 
Regards,
[redacted]

This situation has been resolved.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
While some points are valid with me getting the best rate it was NEVER disclosed to me that a hard inquiry will be done and no knowledge of my info being sent to numerous banks was not said to me. If I had known I would have gone to my own credit union but I called Toyota financial and was told to call Route 44. If it meant to see so many inquiries and yes they do affect you as there are many inquiries. Getting a better rate is great but not disclosing to the customer you have waiting for you outside is unacceptable.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].
[I was told it could take up to a month for an account number. I called [redacted] Consumer USA, they provided me with an application number. When asked if I can use that number to cancel and refund the warranty they stated, yes. There for there is no need as indicated to wait for an “account number”.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. You are not credit advisors and I know what I can see on my report you have unfair practices and needs to be Disclosed by each and every finance person they are the ones closing the deal. I will be taking this to legal review as I know for a fact this is unfair practices you the business need to inform each and every customer of your company pulling the credit numerous times.
Regards,
[redacted]

The purchase and sales signed by Miss [redacted] stated both the vehicle cost as well as the trade-in value. She was also given the opportunity to back out of the deal after being informed of our error. [redacted] also gave Miss [redacted] the option to NOT sign any paperwork until the following day to take 24 hours to think it over. There was no pressure applied to move forward. The contract stated 72 months at the interest rate earlier stated. Miss [redacted] never signed a contract that stated 0% at a payment of $340 per month at any time through the process.

There was a miscommunication as far as the term went. It was however, explained to Miss [redacted] before signing contracts that the term was in fact, 72 months at 2.89% and not 0%. The agreement she signed prior to sitting with [redacted] was a purchase and sales that had the price listed at $24,022....

That price never changed. There was never a contract signed stating 0%. That would've resulted in a payment of $388 as opposed to the $340 for 60 months. [redacted] explained this and gave the option multiple times to back out of the deal if Miss [redacted] was not comfortable after the mistake. [redacted] then spent roughly 40-50 minutes with Miss [redacted] as she decided to purchase an additional Vehicle Service Agreement. There is no further action the dealer can take at this point.

Customer felt we should not have run her credit. We wrote a letter to the credit bureaus to remove the inquiry from her report.