Healthcare Support Services

Complaint: [redacted] I am rejecting this response because: of these missing componentsBen was my salesperson and I was extremely clear with him that I was in the process of working with my Loan officer, [redacted] , at [redacted] on my payoff and I would arrange me own financing thru either [redacted] or [redacted] and ALL that I needed was the "numbers from today...my trade in value and their costs of their truck" I was in their business for about hour with my son alongside and both Ben and Scott took individual test drives of my truck to determine trade in value this seemed odd to me as I am not used to a salesperson driving a vehicle on trade in, but as I told my son, maybe they are just trying to keep us here longer to build more interest in their vehicle" Ben did come back to his office area and provided small talk, while Scott was driving my truck, and simply asked me if I still worked at the same place and if my income had changed this year there was NO request, implied or direct, that they even wanted to pull my credit, I had been very specific that I would arrange my own financing at one time, I was asked about interest rates and terms so they could provide me "closer numbers" and I said I have a calculator on my phone and I can estimate monthly payments I did become outraged when I found out they pulled my credit and asked for my keys, which were not immediately returned it was only after I walked into the general manager's office area and moved Ben's hand that I secured the keys to my truck which is my personal property I did ask for an immediate notification to the credit bureaus to remove the inquiry and Scott wasnt familiar with this request I phoned after I returned home, looked up FTC guidelines and filed this complaint with Revdex.com, and asked to speak with the owner of Ohana Motors, initially Scott was reluctant and said, "that's what I get paid to do, handle problems, so the owner is not available only after I gave an ultimatum of legal action did Scott contact Russell who called me back about an hour later I explained that I paid thousands of dollars last year to "clean up my credit report" and did not request, approve or desire an inquiry from them, did Russell take my information and know how to submit a 'mispull' Russell was very nice to me that day and the following day and is supposed to follow up with me when he recieves written notification from the credit reporting agencies of the corrected inquiry I have heard nothing since the day after this incident and my credit score dropped points from this inquiry I have photographical proof from [redacted] that this occurred Sincerely, [redacted]

[redacted] [redacted] I am attaching a copy of Mr [redacted] 's credit application and [redacted] 's "soft" inquiry per your request.I appreciate your assistance in this matter.Aloha,Scott

*** came in to OHANA MOTORS INC to trade in his truck on a newer oneHe test drove the truck and the salesperson Ben filled out a worksheet
*** stated that if we could take his truck in on trade and payoff the existing loan that he would buy our truck if the payments were acceptable.We had
his signed credit application on file from four months ago, I gave the application to Ben to review it with *** to ask if there were any changes to be made, *** said that his income had increased and that everything else remained the sameIn an effort to meet his payment criteria we needed to get a recent credit score to find the best terms available
Ben then returned to my office to present the documents to meIt was my understanding that we were to obtain financing for the purchase, requiring a recent credit check
*** then became upset that we ran a credit inquiry, I apologized for the misunderstanding*** asked to have the inquiry removed form his credit report
We are in contact with the credit reporting agencies involved and will follow up on this matter until it is resolved
Sincerely, Scott H***

Complaint: ***
I am rejecting this response because: *** is satisfied, although my credit alert program has not triggered 'credit' of inquiry and score has not reflected negative impact yet. also, *** has not updated it standing, so this is only partially satisfied and I will not sign off of the claim until both credit agencies are updated and my score reflects such. score remains points less since the pull and *** has specific point drop triggered ONLY by this action
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: of these missing componentsBen was my salesperson and I was extremely clear with him that I was in the process of working with my Loan officer, ***, at *** on my payoff and I would arrange me own financing thru either *** or *** and ALL that I needed was the "numbers from today...my trade in value and their costs of their truck". I was in their business for about hour with my son alongside and both Ben and Scott took individual test drives of my truck to determine trade in value. this seemed odd to me as I am not used to a salesperson driving a vehicle on trade in, but as I told my son, maybe they are just trying to keep us here longer to build more interest in their vehicle". Ben did come back to his office area and provided small talk, while Scott was driving my truck, and simply asked me if I still worked at the same place and if my income had changed this year. there was NO request, implied or direct, that they even wanted to pull my credit, I had been very specific that I would arrange my own financing. at one time, I was asked about interest rates and terms so they could provide me "closer numbers" and I said I have a calculator on my phone and I can estimate monthly payments. I did become outraged when I found out they pulled my credit and asked for my keys, which were not immediately returned. it was only after I walked into the general manager's office area and moved Ben's hand that I secured the keys to my truck which is my personal property. I did ask for an immediate notification to the credit bureaus to remove the inquiry and Scott wasnt familiar with this request. I phoned after I returned home, looked up FTC guidelines and filed this complaint with Revdex.com, and asked to speak with the owner of Ohana Motors, initially Scott was reluctant and said, "that's what I get paid to do, handle problems, so the owner is not available. only after I gave an ultimatum of legal action did Scott contact Russell who called me back about an hour later. I explained that I paid thousands of dollars last year to "clean up my credit report" and did not request, approve or desire an inquiry from them, did Russell take my information and know how to submit a 'mispull'. Russell was very nice to me that day and the following day and is supposed to follow up with me when he recieves written notification from the credit reporting agencies of the corrected inquiry. I have heard nothing since the day after this incident and my credit score dropped points from this inquiry. I have photographical proof from *** that this occurred.
Sincerely,
*** ***

[redacted] 
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[redacted]
[redacted]
[redacted]
I am attaching a copy of Mr. [redacted]'s credit application and [redacted]'s "soft" inquiry per your request.I appreciate your assistance in this matter.Aloha,Scott