Initial Business Response /* (1000, 5, 2015/10/01) */
Contact Name and Title: LINDSAY CHEV FINANCE MGR
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@wherethetrucksare.com
The individual who filed this complaint came in to Lindsay Chevrolet Used Car Dept in July inquiring about purchasing a...
pre-owned Chevy Cruze. Our Finance Director, Stan [redacted] obtained her credit application and proceeded with submitting it to lenders. None of our lenders, including [redacted] would approve her for the requested amount. The complainant then visited Lindsay Ford in September inquiring about purchasing a new Ford Focus. Alex [redacted] took her credit application information and told her that we would see if we could get her qualified for 0% for 72 months. Shelby [redacted] submitted her application to [redacted] and received a decline. The complainant then visited to Lindsay Chevrolet and spoke with Dennis [redacted] about a pre-owned Chevy Cruze. She told Mr. [redacted] that she was pre-approved at [redacted] Dennis informed her that we are an in-direct agent for [redacted] and that we needed to obtain an approval specifically on the vehicle she was looking at, per [redacted] requirements. She provided a credit application to Dennis so that we could proceed with the approval process. Shelby [redacted] submitted the credit application to see what we could offer her for financing options. Shelby was unsuccessful at obtaining a full approval for her through [redacted] Other lenders also either declined the application completely, or conditioned her application for a lesser amount than was applied for.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Per [redacted] at [redacted] all they needed to send was a buyers order to them and they would approve or deny the vehicle. My credit did not need to be ran again. I want the inquiries removed.
Final Business Response /* (4000, 13, 2015/10/16) */
[redacted]Document Attached[redacted]
I am attaching another explanation of what occurred during Ms. [redacted] visit to our store. You can see that she had signed one of the credit apps and also signed the credit report when it was received back from the credit bureau. All other documents I think are self explanatory. Thank you.
Final Consumer Response /* (4200, 15, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First of all....those are from July except for 1 of them. and yes I filled the form out because Dennis [redacted] said I had to fill the form so they could call [redacted] to find the pre approval. I asked him if my credit was going to be ran and he said no because I had preapproval. they just needed that information so they could contact the bank. I went in july thinking about trading. this complaint has NOTHING to do with my July visit. The sept 11 visit is the visit I am complaining about. Yes the ford side ran my credit because they tried to get me better financing. I DID NOT authorize the chevy side to run my credit and I was told that they WOULD NOT run my credit. I WANT THE INQUIRIES REMOVED FROM MY CREDIT AND MY CO SIGNERS CREDIT!!
Initial Business Response /* (1000, 5, 2015/10/01) */
Contact Name and Title: LINDSAY CHEV FINANCE MGR
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@wherethetrucksare.com
The individual who filed this complaint came in to Lindsay Chevrolet Used Car Dept in July inquiring about purchasing a...
pre-owned Chevy Cruze. Our Finance Director, Stan [redacted] obtained her credit application and proceeded with submitting it to lenders. None of our lenders, including [redacted] would approve her for the requested amount. The complainant then visited Lindsay Ford in September inquiring about purchasing a new Ford Focus. Alex [redacted] took her credit application information and told her that we would see if we could get her qualified for 0% for 72 months. Shelby [redacted] submitted her application to [redacted] and received a decline. The complainant then visited to Lindsay Chevrolet and spoke with Dennis [redacted] about a pre-owned Chevy Cruze. She told Mr. [redacted] that she was pre-approved at [redacted] Dennis informed her that we are an in-direct agent for [redacted] and that we needed to obtain an approval specifically on the vehicle she was looking at, per [redacted] requirements. She provided a credit application to Dennis so that we could proceed with the approval process. Shelby [redacted] submitted the credit application to see what we could offer her for financing options. Shelby was unsuccessful at obtaining a full approval for her through [redacted] Other lenders also either declined the application completely, or conditioned her application for a lesser amount than was applied for.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Per [redacted] at [redacted] all they needed to send was a buyers order to them and they would approve or deny the vehicle. My credit did not need to be ran again. I want the inquiries removed.
Final Business Response /* (4000, 13, 2015/10/16) */
[redacted]Document Attached[redacted]
I am attaching another explanation of what occurred during Ms. [redacted] visit to our store. You can see that she had signed one of the credit apps and also signed the credit report when it was received back from the credit bureau. All other documents I think are self explanatory. Thank you.
Final Consumer Response /* (4200, 15, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First of all....those are from July except for 1 of them. and yes I filled the form out because Dennis [redacted] said I had to fill the form so they could call [redacted] to find the pre approval. I asked him if my credit was going to be ran and he said no because I had preapproval. they just needed that information so they could contact the bank. I went in july thinking about trading. this complaint has NOTHING to do with my July visit. The sept 11 visit is the visit I am complaining about. Yes the ford side ran my credit because they tried to get me better financing. I DID NOT authorize the chevy side to run my credit and I was told that they WOULD NOT run my credit. I WANT THE INQUIRIES REMOVED FROM MY CREDIT AND MY CO SIGNERS CREDIT!!