John's Garage

I am sorry we were unable to help you but we do not admit we ran your credit unnecessarily. We first try to see if you qualify based on your credit. Once we do, we validate that your vehicle fits within our loan to value guidelines. In your case, we validated that your credit
profile was sufficient. Next we validated the amount you owed which was almost $11,but the value of your vehicle was only $5,200. The Loan to value was over 200% and our max is only at 160%. So unfortunately were unable to help you out. If you were able to pay down your loan then we could help but the current LTV is too high for our programs

Complaint: ***
I am rejecting this response because: After almost weeks, I haven't received a bill for an auto loan that was advertised with 98% customer satisfaction, and it turns out a simple search of the mystery company that now has my loan shows that over 90% of customers are unhappy and they have given me no way to pay a bill that is still accruing interest!!! They have owed me a refund for weeks because I made a payment before the loan was paid off, and I had to file a Revdex.com complaint to make them recognize this. They lured me in with the idea of a speedy process and money savings, and almost months later, I am having to fight with these dishonest people just to get a bill and contact from the actual lender! This is totally unacceptable for such a "reputable" organization.Why are you advertising a bank (***) with an "A+" when over 90% of customers are unhappy???Regards,
*** ***

Complaint: ***
I am rejecting this response because:As stated, I had asked ***, the person assisting us with the refinance, if we could register the vehicle on April 6th and still meet the deadline for all of the paperworkShe said yesShe informed us on the 9th that that was not the case and she was incorrect previouslyHad we been informed correctly by your representatives, we would have had the refinance completeThis error has cost us to not be able to save close to $10,This was why we directly asked her if we could register the car on the 6th and still have enough timeYour employee's negligence and inability to provide accurate information caused this
Regards,
*** ***

Nothing disputed since last filing other than Mr*** doesnt accept our side of the story We received his application from *** *** and he gave them permissible purpose to pass on the information and have us pull credit His dispute should be with *** *** on sharing his information

I rejected because my personal information got compromise, open road lending share my personal information with RoadloansAn agent with the name of *** *** *** call me telling me than they had approved my loan and they will be sent me paperwork in a second e-mailmy question is how come this company roadloans got my address and social security numberin this case I am blaming the company Open Road Lending for sharing my personal information without my authorization

This may be true that the consumer has had consistent employment over years but with several employersGiven his current credit situation (low fico, tradelines, etc) job stability is importantOur requirements for this credit tier must have a minimum of months consecutive employment so he is welcome to reapply in more months of employment with his current employerI am sorry for this misunderstanding

I am not sure what the complaint is as we have you approved for a loan that is almost 3% lower than you currently are paying and you dont need $21,as your car loan is for less than $18, We have spoken to you about going forward with the loan but we are waiting for *** *** (your
current lienholder) to process the title work before we go forward Here is the email that you sent our agent.Hi this is *** *** I just spoke with *** *** and they said it should take about days to get the title transferred over if for any reason it takes longer in my days run out you guys do not have my permission to run another credit check without asking me firstI hope this is a smooth transition and that everything works out so let's just hope we have it done in days once I have it I will still call you guys and then you will have to let me know what else I need to doIf there is anything else I can be doing on my part that needs to be completed you'll have to call me let me know what it is I'm confused at this pointTo address the issues in the complaint we do push your application to multiple lenders in order to give you the best rate and you authorize it before submitting the application here See point #3By providing the information in this application and clicking on the "Click to Complete and Start Saving!" button and the “I Agree to these Terms and Conditions” box, the applicant and any co-applicant ("I," "me," and "my") each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy; (2) I received, read, and agree to the Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above; and (3) I understand that I could have multiple inquiries on my credit report through this process and I am granting OpenRoad Lending and its partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and (4) I provide express consent to receive autodialed/prerecorded calls/texts regarding financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided (consent to be contacted is not a condition to purchase services). I have reviewed the provisions above and the terms in each of the linked documentsBe checking the box, I am indicating that I agree to those terms. I agree to consent to Electronic Disclosures and to use electronic records and signaturesI consent to receive disclosures electronically.Also multiple inquiries within a day period have no affect on your credit score because the bureaus know you are shopping You can search for yourself on many sites but here is an article from Experian stating this fact ***If you have any other questions please let us know

So in other words screw me and my wife's credit, I applied for your company not agreed for YOU to send my information all over the place and run my credit multiple times (or in this case my wife's)That the inquiries are not going to be as hard on our credit; that's YOUR PERSPECTIVENO ONE GUARANTEES ME THATYour partners are running my credit multiple times, calling me because I TRUSTED YOU WITH MY PERSONAL INFORMATIONAnd all I get from the company is too bad so sadIf you don't want to remove your inquiry that's fine, but your partners you should because if I wanted to apply with them I would'veThey are running my information which they have no authorization or permission because you have them that right as soon as I trusted your company with my information

So you state me or someone in my householdSomeone in my household is not meSo even you state that it might not have been meMy question to you is , IS SOMEONE IN MY HOUSEHOLD ME? And for you information I reside in Sanger, TXArdmore is a previous residence

I am sorry we didnt handle your situation with the utmost professional attention. Most people state we dont communicate enough so I apologize if we did too much. Your email has been removed and your loan application has been withdrawn. We cant delete data for audit and compliance
reasons. In fairness, we approved you for a rate that was 14% lower than your current rate so our agent was a excited to save you money but we will address how they handled your situation. Also we have funded almost $billion dollars in auto loans so I can assure you we have more than people and take our Revdex.com rating quite serious. I am sorry for your poor experience

I apologize that you had a poor experience with our companyOur records indicate that you never completed an application with our companyI have sent your information to our marketing group and you have been removed from any further marketing efforts. I hope we can earn your business
someday.Regards,The OpenRoad Lending Team

Responding back to Auto Refinance, The phone number that I called was ###-###-#### and it says to hit opt I called doing that and not doing opt and it would send me to the same peopleThey would not give any names, very rude and would hang up every time I called I’m still bothered that someone out there has all my information on my car loanIf you need the flyer that was mailed to me let me know, I have it Thank you for responding back

I am rejecting this response because:*** *** distinctively told me that he has worked for your company for years and this buffer policy was only in use for part of his time there. I have contacted my state dealer association and that is not common practice. I contacted a bank, a credit union and a auto finance company and it isn't something they do eitherBoth you and I collect funds to payoff vehicle accounts to obtain title so we aren't necessarily apples to oranges. *** *** also distinctly told me that he was SHOCKED that the interest rate was higher because of $430.00 The adjusted value of the vehicle with the options and the CORRECT miles is $10,and over $12,for retailAnother huge issue I have is the fact that this is the only way I get any response form anyone at OpenroadI left messages and sent emails to both the the person handling the contract and the comment email address. I was not rude or mean for a single second when *** *** was trying his best to explain. Honestly, as nice as he was I am sure he was frustrated with the basic generic answers he had to offer. It's not the 1% or the $that I have the issue over its the fact that no one bothered to tell me prior and no one responded after I questioned it when receiving the paperworkIt is also an issue that there is no written documentation showing the remaining balance of the $will be returned. Of course I would love to save thousands of dollars and I would love to refinance with a lower payment but I am sure you can understand my concerns

After telling you that I did not agree for my information to be shared with another company and you agreeing to that, my credit was run by other refinancing companies. I did not apply for ANY OTHER one that the Pre approve offer you sent. My credit score has gone down points. ALL of my car information is public record. This could have easily been looked up before sending a pre approved offer. I was sent information, then my credit was run by other companies after you agreed it would not be done. This is not legal. I will be contacting the Ohio Attorney General with this record showing your agreement that my credit would not be shared and show my current credit report to find out what legal recourse I have against your company
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Ms***,Thank you for your commentsWhen you completed the application process, you agreed to the terms and conditions on the application which state you application would be shared in an effort to find you the best possible terms for refinancing (see below)Unfortunately, none of our lending
partners were able to assist you either in refinancingI have removed your information from future mailingsAgain, we do apologize for the poor experience and hope we can earn your business someday in the future.The OpenRoad Lending Team I agree that OpenRoad Lending may forward this application and my financial information to one or more third party lenders, dealers, affiliates or others that may be able to offer me, or assist me in finding, financing or other products that meets my needsSome of these affiliates may offer or arrange dealer financing rather than a direct loan from a lender.I authorize OpenRoad Lending’s lending partners, dealers, affiliates or others which are forwarded the application to share information in the application and any other credit information they obtain with other third parties who may be able to offer or arrange for a loan or financing through a dealer or other products and services

I am sorry that we were unable to help you but you applied on 8/17/on our website and agreed to the following terms (pay close attention to #3)By providing the information in this application and clicking on the "Click to Complete and Start Saving!" button and the “I Agree to these Terms and
Conditions” box, the applicant and any co-applicant ("I," "me," and "my") each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy; (2) I received, read, and agree to the Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above; and (3) I understand that I could have multiple inquiries on my credit report through this process and I am granting OpenRoad Lending and its partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and (4) I provide express consent to receive autodialed/prerecorded calls/texts regarding financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided (consent to be contacted is not a condition to purchase services).We received on the application that you have a Jeep Wrangler Unlimited with approximately 18k miles (at that time) with *** *** I can see that is true with *** *** but if you fee someone has used your information to commit fraud and applied with your information to lower your auto payment, then you should file a ID theft case with the local police and then we can remove the inquiry as fraudulent Otherwise the information received and IP Address all relate to you.Also, multiple inquiries in a short period of time (days or so) have no effect on your credit You can search it yourself or here is an article from Experian explaining the process that it is during the "shopping" process.***Again I am sorry we were unable to help you at this time

So two things in response 1) we cannot be responsible for you putting your wife's SSN in. That was from our perspective and the credit bureaus perspective a valid inquiry. 2) the effect of multiple inquires in a short period time (less than days) is not that big. Here is a link to Experian's website and you can check out others which state the same thing. Auto inquiries in a relatively short period of time hurt your credit score way less than negative information (http://www.experian.com/blogs/ask-experian/2009/03/01/impact-on-credit-scores-o...⇄ Again I am sorry for your bad experience

Ms*** - thank you for sharing your concerns about our processesWhen you received your pre-approved offer from us, there are disclosures on the back of the letter indicating this was solely based on your credit information obtained from the credit reporting agenciesWe don't have other items
which play a part in the overall underwriting process including job time, income, collateral information, etcOnce we received all of that information, it was determined you no longer met our criteriaThe Lexington Law ad you are referring to is there to assist those customers who are interested in improving their credit scoreNo one is forced or encouraged in any way to sign up for the serviceIt is only there for those who might be interested in these servicesI am sorry we were not able to assist you with your refinancing needs The OpenRoad Lending Team

Mr*** - thank you for letting us know about your experience with our companyWhen we initially reviewed your application, you were pre-approved as you statedHowever, that approval is based solely on your credit profile and there are other items that must also meet our guidelines before we can
fund a loan for youIn your case, the LTV or loan to value is over the maximum allowed of 135% of the wholesale value of the vehicleYour particular LTV is 146%We have attempted to get our credit team to allow an exception but based on your credit score, we are not allowed to make an exception on this applicationOnce a couple of more payments are made on your account, your LTV should be inline and we will be able to assist you at that time.Again, I apologize about the poor experience you had but I hope we can earn your business in the future.Regards,The OpenRoad Lending Team