September 9, [redacted] ** [redacted] Re: ID# [redacted] We are in receipt of the complaint filed by [redacted] regarding her experience at Midway Chevrolet [redacted] and *** [redacted] did initially sign paperwork to lease a [redacted] The vehicle leasing approval was initially approved by [redacted] With the approval there were also “stipulations” required by the lender These included: Proof of Income References Social Security Award Letter and Bank Statements (within days) Child Support Court Order with consecutive payments All information on credit application will be verified [redacted] and [redacted] did not provide all of the required stipulations and the leasing approval from [redacted] was rescinded Midway Chevrolet tried repeatedly to contact [redacted] ***/ [redacted] to inform them that the lease had been cancelled It was only when Midway Chevrolet authorized the recovery of the vehicle, did [redacted] return to the dealership and change from a lease to a retail purchase It was at this time [redacted] and [redacted] filled out another credit applicationAs is the process for our finance department, we submitted their loan application to a number of lenders with whom we do business For those lenders that do not approve a loan request, they are required by federal law to notify the consumer that they have been denied credit Midway Chevrolet has no control over this lender process We were able to obtain loan approval through [redacted] It is the process of [redacted] to personally verify information provided by the consumer on the credit application They were unable to verify that [redacted] and [redacted] lived at the address submitted on the application Nor were they able to verify the employer for [redacted] *** [redacted] rescinded the loan approval Again we tried to contact [redacted] and [redacted] to inform them the loan had been cancelled When we were unable to get a response, the vehicle was recovered by a third party at our request We cannot comply with [redacted] ***’s request to refund her the money spent on insurance during the time she had our vehicle in her possession Please find attached a copy of the “retail buyers order”, item #which states: “If for any reason you and we do not complete the Vehicle sale and purchase, or financing is not obtained, this section appliesYou will return the vehicle to usYou will pay us on demand all reasonable charges and expenses for any damage to or use of the vehicleTo the extent permitted by law, you will pay us the greater of $per mile or $per day for your use of the vehicle.” Midway Chevrolet could have charged [redacted] for approxdays at $a day for a total of $1, Additionally, we could have charged her $for the recovery of the vehicle Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Compliance Director – Midway Chevrolet
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.[At no time in the response is there any reference made to the many lies and half truths that were told to me I signed so many papers in the finance office and would have refused to take the car off the lot if I had been made aware that there was a possibility that the deal was not finalized I accepted the word of [redacted] that everything was ok Never once did she mention that I was signing a paper which had a possibility of being rejected It also does not address the distressing call I received on Friday at my home from [redacted] (Manager of Finance) telling me he was going to make everything right and have the car delivered that afternoon to my homeThis is just another example of the poor customer service I received at this dealership.]Regards, [redacted] ***
September 9, [redacted] Revdex.com [redacted] ** [redacted] Re: ID# [redacted] We are in receipt of the complaint filed by [redacted] regarding her experience at [redacted] [redacted] *** wanted to trade in her [redacted] for a [redacted] *** The manufacturer was offering 0% financing on the modelsAt the time we did not have a [redacted] ***, which is top of the line on our lot [redacted] was shown a model, which did not have the 0% financing offer When [redacted] *** signed her paperwork for the [redacted] ***, our finance department wrote the contract for months This was done as [redacted] had $15,of negative equity that was being carried over from her [redacted] Please find attached the “conditional delivery agreement” which clearly states in paragraph one, that the vehicle is being taken prior to approval from a financial institution [redacted] initially signed a contract for 3.24% at monthsAs is the process, [redacted] submitted her loan application to lenders that we regularly conduct business with Each one of those lenders would only approve [redacted] ***’s loan for a month term and at a higher percentage rate which increased her monthly payment We sincerely apologize to [redacted] that we were unable to help her obtain the vehicle she wanted at the monthly payment she desired We are bound by the guidelines provided by the lending institutionWe are unable to make any financial institution give [redacted] the month contract she desires We regret that [redacted] feels her experience at Midway Chevrolet was unfavorableOur staff is trained to put the customer first and that she feels she was not treated with the respect she deserves Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Compliance Director – Midway Chevrolet
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am rejecting Midways offer due to the fact that this information was given to the dealers numerous times One being with [redacted] who was the initial sales man, at the beginning of this entire process My check stubs, insurance information, social security documents, [redacted] ***'s check stubs, bank account information to show proof of other income that I received were all given on the first day of signing the leasing contract and each of these items were unable to be located, so I would get called that I needed to go back and resubmit this informationThen again I was asked to bring in 2-months of check stubs for [redacted] ***, which were given to [redacted] to make photo copies of, and then again when I was called back to sign what turned out to be a new contract, changing the lease to a purchase Each and every time they made copies of these documents and each and every time I went back for something, they couldn't find them How are you gonna let someone take off with inventory before you are even sure they are qualified to purchase it The contract was already voided when I signed the new documents for the purchase so there should not be any leasing fees I should be responsible for That's like saying I'm going to give a contestant of a race the trophy before he's even raced I don't know how many times I called [redacted] to just pick up the vehicle because I did not want to continue with the sale, but every time I went into the office someone would tell me that everything would work out because "they have numerous banks that will be willing to finance," but yet I was receiving letters from these banks that they were not willing to finance That is when I began calling to have them pick up the vehicle Now this repo is probably going to be reflected on my credit when what I was trying to do was make a purchase that would help my credit It is not my fault that they let me drive off with the prize before I won the race Regards, [redacted] ***
September 10,
At this time there is nothing more that we can do for *** ***We have apologized that our staff did not treat her
with the respect she expected. *** *** sincerely thought he would be able to find a lender that would meet the terms that
*** *** was looking for. We apologize that he did not follow through and contact her directly as promised. I have spoken with
him and he is aware of the situation that resulted in his lack of a follow up call
As we stated in the first response, *** *** signed the documentation that indicated she understood that financing had not yet been
obtained. She can also refer to her copy of the Retail Installment Contract that does not specify that a lender had provided the approval for
the loan
Additionally, the title and registration application did not specify a lenderNor did the associated paperwork for the aftermarket products
which were purchased. Copies of these have been attached for review.
Again, we apologize that we failed in providing timely information regarding the changes in the term of the loanAs a gesture of customer goodwill
we will send *** *** a $gas card for the time and effort she spent in visiting the dealership
September 9, 2014
[redacted] Revdex.com
[redacted]
Re: ID# [redacted]
We are in receipt of the complaint filed by [redacted] regarding her experience at [redacted].
[redacted] wanted to...
trade in her 2012
[redacted] for a [redacted]. The manufacturer was offering 0% financing on
the 2014 models. At the time we did not have a 2014 [redacted], which is top of the line on our lot. [redacted] was
shown a 2015 model, which did not have the 0% financing offer.
When [redacted] signed her paperwork for the [redacted], our finance department wrote the contract for
84 months. This was done as [redacted] had $15,000 of negative equity that was being carried over from her 2012
[redacted] Please find attached the “conditional delivery agreement” which clearly states in paragraph one,
that the vehicle is being taken prior to approval from a financial institution.
[redacted] initially signed a contract for 3.24% at 84 months. As is the normal process, [redacted] submitted her
loan application to lenders that we regularly conduct business with. Each one of those lenders would only approve
[redacted]’s loan for a 75 month term and at a higher percentage rate which increased her monthly payment.
We sincerely apologize to [redacted] that we were unable to help her obtain the vehicle she wanted at the monthly payment
she desired. We are bound by the guidelines provided by the lending institution. We are unable to make any
financial institution give [redacted] the 84 month contract she desires.
We regret that [redacted] feels her experience at Midway Chevrolet was unfavorable. Our staff is trained to put the
customer first and that she feels she was not treated with the respect she deserves.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Director – Midway Chevrolet
We are in receipt of the complaint filed by [redacted] regarding her experience at Midway Chevrolet.
[redacted] and [redacted]...
[redacted] did initially sign paperwork to lease a [redacted]. The vehicle leasing approval was initially
approved by [redacted]. With the approval there were also “stipulations” required by the lender.
These included:
Proof of Income
3 References
Social Security Award Letter and Bank Statements (within 30 days)
Child Support Court Order with 5 consecutive payments
All information on credit application will be verified.
[redacted] and [redacted] did not provide all of the required stipulations and the leasing approval from [redacted]
was rescinded. Midway Chevrolet tried repeatedly to contact [redacted] to inform them that the lease had been
cancelled. It was only when Midway Chevrolet authorized the recovery of the vehicle, did [redacted] return to the dealership
and change from a lease to a retail purchase.
It was at this time [redacted] and [redacted] filled out another credit application. As is the normal process for our
finance department, we submitted their loan application to a number of lenders with whom we do business. For those
lenders that do not approve a loan request, they are required by federal law to notify the consumer that they have been denied credit.
Midway Chevrolet has no control over this lender process.
We were able to obtain loan approval through [redacted] It is the process of [redacted] to personally verify
information provided by the consumer on the credit application. They were unable to verify that [redacted] and
[redacted] lived at the address submitted on the application. Nor were they able to verify the employer for
[redacted]. [redacted] rescinded the loan approval. Again we tried to contact [redacted] and [redacted] to inform them the loan had been cancelled.
When we were unable to get a response, the vehicle was recovered by a third party at our request.
We cannot comply with [redacted]’s request to refund her the money spent on insurance during the time she had our
vehicle in her possession. Please find attached a copy of the “retail buyers order”, item #10 which states:
“If for any reason you and we do not complete the Vehicle sale and purchase, or financing is not obtained, this
section applies. You will return the vehicle to us. You will pay us on demand all reasonable charges and expenses for any damage to or use of the vehicle. To
the extent permitted by law, you will pay us the greater of $.30 per mile or $20.00 per day for your use of the vehicle.” Midway Chevrolet could have
charged [redacted] for approx. 69 days at $20.00 a day for a total of $1,380.00. Additionally, we could have charged
her $325.00 for the recovery of the vehicle.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Director – Midway Chevrolet
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am rejecting Midways offer due to the fact that this information was given to the dealers numerous times. One being with [redacted] who was the initial sales man, at the beginning of this entire process. My check stubs, insurance information, social security documents, [redacted]'s check stubs, bank account information to show proof of other income that I received were all given on the first day of signing the leasing contract and each of these items were unable to be located, so I would get called that I needed to go back and resubmit this information. Then again I was asked to bring in 2-3 months of check stubs for [redacted], which were given to [redacted] to make photo copies of, and then again when I was called back to sign what turned out to be a new contract, changing the lease to a purchase. Each and every time they made copies of these documents and each and every time I went back for something, they couldn't find them. How are you gonna let someone take off with inventory before you are even sure they are qualified to purchase it. The contract was already voided when I signed the new documents for the purchase so there should not be any leasing fees I should be responsible for. That's like saying I'm going to give a contestant of a race the trophy before he's even raced. I don't know how many times I called [redacted] to just pick up the vehicle because I did not want to continue with the sale, but every time I went into the office someone would tell me that everything would work out because "they have numerous banks that will be willing to finance," but yet I was receiving letters from these banks that they were not willing to finance. That is when I began calling to have them pick up the vehicle. Now this repo is probably going to be reflected on my credit when what I was trying to do was make a purchase that would help my credit. It is not my fault that they let me drive off with the prize before I won the race....
Regards,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[At no time in the response is there any reference made to the many lies and half truths that were told to me. I signed so many papers in the finance office and would have refused to take the car off the lot if I had been made aware that there was a possibility that the deal was not finalized. I accepted the word of [redacted] that everything was ok. Never once did she mention that I was signing a paper which had a possibility of being rejected. It also does not address the distressing call I received on Friday at my home from [redacted] (Manager of Finance) telling me he was going to make everything right and have the car delivered that afternoon to my home. This is just another example of the poor customer service I received at this dealership.]Regards,[redacted]
October 13,2014
[redacted]
[redacted]
[redacted] [redacted]
Re: ID# [redacted]
We are in receipt of the rebuttal submitted by [redacted]
As [redacted] states she did provide the
required documents, after the allotted time frame. Which is why [redacted] rescinded
the initial offer. The 2nd offer from [redacted] was also rescinded the loan offer when they could not
verify that [redacted] and [redacted] were living together at the address they submitted on their credit application.
Nor where they able to verify that [redacted] was employed as he stated
on the credit application. Submitting false information on a credit application
is considered bank fraud, and a federal offense.
Our position on reimbursing [redacted] for her insurance payments has not changed.
[redacted] had and used our vehicle for 69 days. During this time miles were added to the vehicle. [redacted] made no payments for 69 days.
In essence, [redacted] drove our vehicle for free for those 69 days. As stated in our previous correspondence Midway
Chevrolet has the right to charge [redacted] $1,380.00 for the use of the vehicle as well as the $325.00 for the recovery of the vehicle. The total expense of
$1,705.00 that Midway Chevrolet incurred is well above the amount [redacted] paid for 3 months of insurance.
We would be happy to provide a log of all the calls (and recordings) that were made to [redacted] where Midway Chevrolet
was trying to get the information to provide to the lender, and at the end when we were trying to reclaim the vehicle prior it to being repossessed.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Director – Midway Chevrolet
September 9, [redacted] ** [redacted] Re: ID# [redacted] We are in receipt of the complaint filed by [redacted] regarding her experience at Midway Chevrolet [redacted] and *** [redacted] did initially sign paperwork to lease a [redacted] The vehicle leasing approval was initially approved by [redacted] With the approval there were also “stipulations” required by the lender These included: Proof of Income References Social Security Award Letter and Bank Statements (within days) Child Support Court Order with consecutive payments All information on credit application will be verified [redacted] and [redacted] did not provide all of the required stipulations and the leasing approval from [redacted] was rescinded Midway Chevrolet tried repeatedly to contact [redacted] ***/ [redacted] to inform them that the lease had been cancelled It was only when Midway Chevrolet authorized the recovery of the vehicle, did [redacted] return to the dealership and change from a lease to a retail purchase It was at this time [redacted] and [redacted] filled out another credit applicationAs is the process for our finance department, we submitted their loan application to a number of lenders with whom we do business For those lenders that do not approve a loan request, they are required by federal law to notify the consumer that they have been denied credit Midway Chevrolet has no control over this lender process We were able to obtain loan approval through [redacted] It is the process of [redacted] to personally verify information provided by the consumer on the credit application They were unable to verify that [redacted] and [redacted] lived at the address submitted on the application Nor were they able to verify the employer for [redacted] *** [redacted] rescinded the loan approval Again we tried to contact [redacted] and [redacted] to inform them the loan had been cancelled When we were unable to get a response, the vehicle was recovered by a third party at our request We cannot comply with [redacted] ***’s request to refund her the money spent on insurance during the time she had our vehicle in her possession Please find attached a copy of the “retail buyers order”, item #which states: “If for any reason you and we do not complete the Vehicle sale and purchase, or financing is not obtained, this section appliesYou will return the vehicle to usYou will pay us on demand all reasonable charges and expenses for any damage to or use of the vehicleTo the extent permitted by law, you will pay us the greater of $per mile or $per day for your use of the vehicle.” Midway Chevrolet could have charged [redacted] for approxdays at $a day for a total of $1, Additionally, we could have charged her $for the recovery of the vehicle Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Compliance Director – Midway Chevrolet
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.[At no time in the response is there any reference made to the many lies and half truths that were told to me I signed so many papers in the finance office and would have refused to take the car off the lot if I had been made aware that there was a possibility that the deal was not finalized I accepted the word of [redacted] that everything was ok Never once did she mention that I was signing a paper which had a possibility of being rejected It also does not address the distressing call I received on Friday at my home from [redacted] (Manager of Finance) telling me he was going to make everything right and have the car delivered that afternoon to my homeThis is just another example of the poor customer service I received at this dealership.]Regards, [redacted] ***
September 9, [redacted] Revdex.com [redacted] ** [redacted] Re: ID# [redacted] We are in receipt of the complaint filed by [redacted] regarding her experience at [redacted] [redacted] *** wanted to trade in her [redacted] for a [redacted] *** The manufacturer was offering 0% financing on the modelsAt the time we did not have a [redacted] ***, which is top of the line on our lot [redacted] was shown a model, which did not have the 0% financing offer When [redacted] *** signed her paperwork for the [redacted] ***, our finance department wrote the contract for months This was done as [redacted] had $15,of negative equity that was being carried over from her [redacted] Please find attached the “conditional delivery agreement” which clearly states in paragraph one, that the vehicle is being taken prior to approval from a financial institution [redacted] initially signed a contract for 3.24% at monthsAs is the process, [redacted] submitted her loan application to lenders that we regularly conduct business with Each one of those lenders would only approve [redacted] ***’s loan for a month term and at a higher percentage rate which increased her monthly payment We sincerely apologize to [redacted] that we were unable to help her obtain the vehicle she wanted at the monthly payment she desired We are bound by the guidelines provided by the lending institutionWe are unable to make any financial institution give [redacted] the month contract she desires We regret that [redacted] feels her experience at Midway Chevrolet was unfavorableOur staff is trained to put the customer first and that she feels she was not treated with the respect she deserves Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Compliance Director – Midway Chevrolet
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am rejecting Midways offer due to the fact that this information was given to the dealers numerous times One being with [redacted] who was the initial sales man, at the beginning of this entire process My check stubs, insurance information, social security documents, [redacted] ***'s check stubs, bank account information to show proof of other income that I received were all given on the first day of signing the leasing contract and each of these items were unable to be located, so I would get called that I needed to go back and resubmit this informationThen again I was asked to bring in 2-months of check stubs for [redacted] ***, which were given to [redacted] to make photo copies of, and then again when I was called back to sign what turned out to be a new contract, changing the lease to a purchase Each and every time they made copies of these documents and each and every time I went back for something, they couldn't find them How are you gonna let someone take off with inventory before you are even sure they are qualified to purchase it The contract was already voided when I signed the new documents for the purchase so there should not be any leasing fees I should be responsible for That's like saying I'm going to give a contestant of a race the trophy before he's even raced I don't know how many times I called [redacted] to just pick up the vehicle because I did not want to continue with the sale, but every time I went into the office someone would tell me that everything would work out because "they have numerous banks that will be willing to finance," but yet I was receiving letters from these banks that they were not willing to finance That is when I began calling to have them pick up the vehicle Now this repo is probably going to be reflected on my credit when what I was trying to do was make a purchase that would help my credit It is not my fault that they let me drive off with the prize before I won the race Regards, [redacted] ***
September 10,
At this time there is nothing more that we can do for *** ***We have apologized that our staff did not treat her
with the respect she expected. *** *** sincerely thought he would be able to find a lender that would meet the terms that
*** *** was looking for. We apologize that he did not follow through and contact her directly as promised. I have spoken with
him and he is aware of the situation that resulted in his lack of a follow up call
As we stated in the first response, *** *** signed the documentation that indicated she understood that financing had not yet been
obtained. She can also refer to her copy of the Retail Installment Contract that does not specify that a lender had provided the approval for
the loan
Additionally, the title and registration application did not specify a lenderNor did the associated paperwork for the aftermarket products
which were purchased. Copies of these have been attached for review.
Again, we apologize that we failed in providing timely information regarding the changes in the term of the loanAs a gesture of customer goodwill
we will send *** *** a $gas card for the time and effort she spent in visiting the dealership
September 9, 2014
[redacted] Revdex.com
[redacted]
Re: ID# [redacted]
We are in receipt of the complaint filed by [redacted] regarding her experience at [redacted].
[redacted] wanted to...
trade in her 2012
[redacted] for a [redacted]. The manufacturer was offering 0% financing on
the 2014 models. At the time we did not have a 2014 [redacted], which is top of the line on our lot. [redacted] was
shown a 2015 model, which did not have the 0% financing offer.
When [redacted] signed her paperwork for the [redacted], our finance department wrote the contract for
84 months. This was done as [redacted] had $15,000 of negative equity that was being carried over from her 2012
[redacted] Please find attached the “conditional delivery agreement” which clearly states in paragraph one,
that the vehicle is being taken prior to approval from a financial institution.
[redacted] initially signed a contract for 3.24% at 84 months. As is the normal process, [redacted] submitted her
loan application to lenders that we regularly conduct business with. Each one of those lenders would only approve
[redacted]’s loan for a 75 month term and at a higher percentage rate which increased her monthly payment.
We sincerely apologize to [redacted] that we were unable to help her obtain the vehicle she wanted at the monthly payment
she desired. We are bound by the guidelines provided by the lending institution. We are unable to make any
financial institution give [redacted] the 84 month contract she desires.
We regret that [redacted] feels her experience at Midway Chevrolet was unfavorable. Our staff is trained to put the
customer first and that she feels she was not treated with the respect she deserves.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Director – Midway Chevrolet
September 9, 2014
[redacted]
Re: ID# [redacted]
We are in receipt of the complaint filed by [redacted] regarding her experience at Midway Chevrolet.
[redacted] and [redacted]...
[redacted] did initially sign paperwork to lease a [redacted]. The vehicle leasing approval was initially
approved by [redacted]. With the approval there were also “stipulations” required by the lender.
These included:
Proof of Income
3 References
Social Security Award Letter and Bank Statements (within 30 days)
Child Support Court Order with 5 consecutive payments
All information on credit application will be verified.
[redacted] and [redacted] did not provide all of the required stipulations and the leasing approval from [redacted]
was rescinded. Midway Chevrolet tried repeatedly to contact [redacted] to inform them that the lease had been
cancelled. It was only when Midway Chevrolet authorized the recovery of the vehicle, did [redacted] return to the dealership
and change from a lease to a retail purchase.
It was at this time [redacted] and [redacted] filled out another credit application. As is the normal process for our
finance department, we submitted their loan application to a number of lenders with whom we do business. For those
lenders that do not approve a loan request, they are required by federal law to notify the consumer that they have been denied credit.
Midway Chevrolet has no control over this lender process.
We were able to obtain loan approval through [redacted] It is the process of [redacted] to personally verify
information provided by the consumer on the credit application. They were unable to verify that [redacted] and
[redacted] lived at the address submitted on the application. Nor were they able to verify the employer for
[redacted]. [redacted] rescinded the loan approval. Again we tried to contact [redacted] and [redacted] to inform them the loan had been cancelled.
When we were unable to get a response, the vehicle was recovered by a third party at our request.
We cannot comply with [redacted]’s request to refund her the money spent on insurance during the time she had our
vehicle in her possession. Please find attached a copy of the “retail buyers order”, item #10 which states:
“If for any reason you and we do not complete the Vehicle sale and purchase, or financing is not obtained, this
section applies. You will return the vehicle to us. You will pay us on demand all reasonable charges and expenses for any damage to or use of the vehicle. To
the extent permitted by law, you will pay us the greater of $.30 per mile or $20.00 per day for your use of the vehicle.” Midway Chevrolet could have
charged [redacted] for approx. 69 days at $20.00 a day for a total of $1,380.00. Additionally, we could have charged
her $325.00 for the recovery of the vehicle.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Director – Midway Chevrolet
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am rejecting Midways offer due to the fact that this information was given to the dealers numerous times. One being with [redacted] who was the initial sales man, at the beginning of this entire process. My check stubs, insurance information, social security documents, [redacted]'s check stubs, bank account information to show proof of other income that I received were all given on the first day of signing the leasing contract and each of these items were unable to be located, so I would get called that I needed to go back and resubmit this information. Then again I was asked to bring in 2-3 months of check stubs for [redacted], which were given to [redacted] to make photo copies of, and then again when I was called back to sign what turned out to be a new contract, changing the lease to a purchase. Each and every time they made copies of these documents and each and every time I went back for something, they couldn't find them. How are you gonna let someone take off with inventory before you are even sure they are qualified to purchase it. The contract was already voided when I signed the new documents for the purchase so there should not be any leasing fees I should be responsible for. That's like saying I'm going to give a contestant of a race the trophy before he's even raced. I don't know how many times I called [redacted] to just pick up the vehicle because I did not want to continue with the sale, but every time I went into the office someone would tell me that everything would work out because "they have numerous banks that will be willing to finance," but yet I was receiving letters from these banks that they were not willing to finance. That is when I began calling to have them pick up the vehicle. Now this repo is probably going to be reflected on my credit when what I was trying to do was make a purchase that would help my credit. It is not my fault that they let me drive off with the prize before I won the race....
Regards,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[At no time in the response is there any reference made to the many lies and half truths that were told to me. I signed so many papers in the finance office and would have refused to take the car off the lot if I had been made aware that there was a possibility that the deal was not finalized. I accepted the word of [redacted] that everything was ok. Never once did she mention that I was signing a paper which had a possibility of being rejected. It also does not address the distressing call I received on Friday at my home from [redacted] (Manager of Finance) telling me he was going to make everything right and have the car delivered that afternoon to my home. This is just another example of the poor customer service I received at this dealership.]Regards,[redacted]
October 13,2014
[redacted]
[redacted]
[redacted] [redacted]
Re: ID# [redacted]
We are in receipt of the rebuttal submitted by [redacted]
As [redacted] states she did provide the
required documents, after the allotted time frame. Which is why [redacted] rescinded
the initial offer. The 2nd offer from [redacted] was also rescinded the loan offer when they could not
verify that [redacted] and [redacted] were living together at the address they submitted on their credit application.
Nor where they able to verify that [redacted] was employed as he stated
on the credit application. Submitting false information on a credit application
is considered bank fraud, and a federal offense.
Our position on reimbursing [redacted] for her insurance payments has not changed.
[redacted] had and used our vehicle for 69 days. During this time miles were added to the vehicle. [redacted] made no payments for 69 days.
In essence, [redacted] drove our vehicle for free for those 69 days. As stated in our previous correspondence Midway
Chevrolet has the right to charge [redacted] $1,380.00 for the use of the vehicle as well as the $325.00 for the recovery of the vehicle. The total expense of
$1,705.00 that Midway Chevrolet incurred is well above the amount [redacted] paid for 3 months of insurance.
We would be happy to provide a log of all the calls (and recordings) that were made to [redacted] where Midway Chevrolet
was trying to get the information to provide to the lender, and at the end when we were trying to reclaim the vehicle prior it to being repossessed.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Director – Midway Chevrolet