John's Garage

I find it hard to believe that any one would just hang up on you Please send any copies of flyers or mailers with offers for a cruise to [redacted] Also you can call me at ###-###-#### and I will answer any of your questions

First let me say I apologize if you felt our agent Jalissa was rude, but I pulled the call to review and found her to be matter of factIf it did come across as rude I apologize I will review with her For the other part of the claim we did approve you for about $16, What you failed to mention in your complaint that all loans come with some requirements One of our requirements is that your loan to value (the amount you owe as compared to the value of your vehicle) must be less than 140% In your case your loan to value is over 190% Which means that you owe almost 2x what your car is valued to your existing lienholder If you were able to make a payment and bring that LTV down to less than 140%, we would be able to help you refinance But as it stands right now we are unable to continue I am sorry we cannot help you

Again multiple inquiries made within days have no effect on your credit scoreYou can research yourself but here is just of many articles by Experian (the largest credit bureau) addressing the issuehttp://www.experian.com/blogs/ask-experian/2013/10/30/multiple-inquiries-wh...⇄ Unfortunately when you submit your application to us, you give us permission to pull credit and to pass to others IF we cannot help your situationMost of this occurs instantly so its hard / difficult to stop the process Again I am sorry for your poor experience with us

You shared my information with other companies after I gave you notice not to do so and you confirmedBelow is the list Again, I only responded to your pre approved offer and NOT these other companies I sent certified letters to the other companies for proof of my signed application so I can show the FTC that they did not have my permission to run my credit and you agreed it would not be shared with any one else as the application will only be the one from YOU [redacted]

We have spoken with Ms [redacted] and there is simply nothing we can do with her caseThe signed note and Security agreement (that she signed and submitted) did not have GAPI am sorry that we didn't add it but she has some responsibility to make sure that the paperwork is correct before and of course afterward but not years later after an accident has occurred

I am sorry that you feel this way Again we are here to make loans but unfortunately we can't help everyone I am sorry you felt you were unable to read all the disclosures and that you applied for your spouse

I am sorry you had a poor experience with our companyIf you had read the terms and conditions on the application you would have seen you were opting in to allow us to pass your application on to others if we were not able to assist you with you refinancingThere is a way to opt out of us sharing any data (which I have now done for you)That can be done at www.openroadlending.com/optoutAgain I am sorry you had a poor experience and I hope we can earn your business in the future Regards,The OpenRoad Lending Team

I am sorry that we couldnt help you but the email has a disclaimer on the approval that states "Final terms of your loan will be based on several factors...." From a credit perspective you are approved but your loan to value (the amount you are borrowing as compared to the value of your vehicle) has to be less than 150% Your LTV is over 215% If you are able to pay down your existing loan by about $5,(as a principal reduction) then we can continue Unfortunately you are approved based on your credit but it is your existing loan that is too much for our guidelines which is no different than a house loan I am sorry we couldnt help at this time

Mr [redacted] - First let me apologize for the poor experience you had with our company and thank you for your service to our great countryI have read through all of the information on your file and it appears the issue stems around a debt you have on your paystub that we were not aware ofThat payment of $1,per month for child support forces you to no longer qualify based on your DTI (debt to income meaning the amount of money you have left over each month after all bills are paid)Our guidelines allow for up to 50% and yours with this additional debt we were not made aware of up front puts you over 60%We attempted to get an exception to this with all of our underwriting and lending partners but to no availWe should have recognized that much sooner in the process and for that I am sorryI hope we can earn your business sometime in the future.The OpenRoad Lending Team

Ms [redacted] ,Thank you for voicing your concerns with the additional credit inquiriesWhen you completed your application with us, you gave us permission to pass your application along to other parties if we were unable to assist you in refinancing your vehicleSince your complaint, I have removed your name from that happening anymore in the futureI have included those disclosures belowAgain, I do apologize for the poor experience and hope we can earn your business sometime in the futureThe OpenRoad Lending TeamI 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 expressly grant OpenRoad Lending and its third parties, affiliates, agents, service providers or assignees the authority to call and/or email me with questions related to this application and share information about other products and services available.I authorize OpenRoad Lending and its lending partners, automobile dealers, third parties, affiliates, agents, service providers or assignees to obtain such additional information as may be required, including credit reports, in order to complete the processing of my application

Thank you for sharing your concernsThe information you are stating is not accurateWe do offer new and used purchase loans along with our refinance loans, however, in WA, we only offer refinancingThere are laws in the state of Washington that makes it difficult to do loans other than direct to the consumer (like refinancing)When a dealer is brought into the loop, the lender rules change and it makes it difficult to conduct those types of loans in your stateIf you are trying to remove someone from the existing loan and refinance it in your name only, that is not allowed in WA eitherTo refinance in that state, there can be no change to the way the vehicle is currently registered in the stateI am sorry for the inconvenience this may have caused and hope we can earn your business in the futureRegards,The OpenRoad Lending Team

Complaint: [redacted] I am rejecting this response because:Then the information that you submitted was inaccurateNo I will not correct anything and you have yet to apologize for the behavior of your staff which just shows me that you don't care about the customer so you're just another company with nothing special to offer except promised lies Regards, [redacted]

I am sorry that we were unable to help you but from a credit perspective you were prequalified The reason you were declined was because your vehicle did not meet the requirements If you look on back of the letter there is the following language which specifies that your vehicle must be a or newer and less than 100,miles From the letter:Credit is available for the refinancing of one loan on your credit report that is secured by a vehicle or light duty truck that is no more than seven model years old or newer, with a maximum mileage not exceeding 100, Again I am sorry we could not help at this time

I am sorry but we should have never mailed you Experian is supposed to knock out limited tradeline individuals If you will send a letter to [redacted] , requesting the removal of the inquiry, we will have it removed Again I am sorry for the confusion

I am sorry we were unable to help you refinance your auto loan but when you applied you agreed to the following: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 or live agent calls regarding financial services or other credit related offers from Credit.com, 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 documentsBy checking the box, I am indicating that I agree to those terms and conditions#above states that you could have multiple inquiries on your credit report Also multiple inquiries have no adverse affect on your score as they count essentially as a single inquiry Please see this article from Experian (https://www.experian.com/blogs/ask-experian/impact-on-credit-scores-of-inquirie...⇄ but you can find others that state the same information Again I am sorry that we were unable to help you at this time

Complaint: [redacted] I am rejecting this response because: they are lying about saving me moneyMy payment increased despite the APR loweringAnd the “over communication” are automated messages your employees don’t even know they are sending out [redacted] wasn’t excited to save me money, there were no savings to be bad, she wanted to try and bully me into a bad loan agreement, as did ***, her supervisorYou don’t deserve your ratingAnd no email response you make can rectify that

Complaint: I am rejecting this response because:It is the principal at this point as you are not being 100% truthful.It is amazing how many similar complaints can be found online.A conversation with the state attorney general confirmed my experience Regards, [redacted]

There are several pieces of information that is not public record that we use like year, make and model Even if we did we still would not know your mileage on your vehicle (not public) or the options because not all manufacturers provide that information in the VIN decoders The other information we dont have at the time of the mailer is your income so we have to make some generic assumptions Again I am sorry but the LTV and income requirements are on the mailer and we have removed you from any future mailers.Tell us why here

Mr [redacted] - 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

First of all I am sorry that we were unable to help you We send mailers to prospective customers because based on their credit we can save them money Based on your credit we could save you money However, we do not know your income or the vehicle that is going to be refinanced until you apply In your case, the loan to value (the amount owed compared to what the car is worth) is over 200% Most lenders will not even do 150% because of the risk of default Therefore we were unable to help you at this time unless you were able to lower the balance owed I know that is probably an unreasonable request but it is the reality of the situation Again I am sorry we couldnt help you and unfortunately no one wins in these situations