Oak Lawn Happy Hyundai

Initial Business Response /* (1000, 5, 2015/05/04) */
Contact Name and Title: [redacted] GSM
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@myhappyhyundai.com
the customer came in on the evening of April 27th 2015. She submitted an online credit application before coming to the dealership and...

upon arriving at the dealership she signed a regular credit app and privacy notice. The dealership then tried to get a loan approved for the customer as her credit is very challenged. It was declined by serveral secondary credit banks. As it was late and some of the lenders would not respond till the next day, as the customer was told, is why we told the customer to come back the next day. Since there was no approval that night there was no way to let the customer know the particulars of the loan. Within the next 48hrs we were able to get a certain dollar amount approved but only at a very high interest rate making the monthly payment significantly more the customer stated she was willing to pay. It is not the dealership that makes the financing terms, it is the lending institutions. The finance department worked very hard to try and get any kind of loan approved and when we were able to get one of lenders to consider and approve the customers application the terms were not satisfactory to the customer.
Initial Consumer Rebuttal /* (3000, 12, 2015/05/20) */
Please accept my apology for the delayed response. I have been hospitalized and unable to manage my email.
I'm not quite certain what the intentions of Happy Hyundai are, but their business practices are unorthodox and illegal. Because of their actions, my "challenged" credit is down over 130 points! They themselves made three (3) hard inquiries to each credit bureau. After submitting my application to eleven (11) collection agencies (not reputable institutions) for financing within 24 hours and receiving a complaint from me related to the mishandling of my information, they have since submitted applications for financing to others more than a week after my visit. I have documentation from those lenders to prove the dates of application. Some research has suggested that this behavior may be a pattern for them. That is illegal. It's identity theft.
My "challenged" credit is not available to be destroyed recklessly. Considering I never even had the opportunity to examine vehicles and discuss pricing and did not authorize this action, Happy Hyundai needs to contact (and cc: me on communications) to each lending institution so that those inquiries are removed immediately. If I do not receive written communication from Happy Hyundai in a reasonable time acknowledging their error, I will pursue this criminally.
Final Business Response /* (1000, 20, 2015/07/23) */
To whom it may concern,
There is nothing unorthodox or illegal with our business practices. As the customer is mistaken in referring to the lending institutions as "collection agencies". These lenders specialize in financing people with bad credit but they too have parameters in which to approve or decline an application. There was no recklessness conducted on the part of the dealership towards the customer. The customer knew full well their credit was bad and asked us to try and obtain financing for an automobile. We tried multiple lenders to no avail. The credit application the customer filled out online and the credit application that was signed at the dealership is the customer authorizing us to try and obtain financing for them. That's what we did.
Sincerely,

[redacted]
General Sales Manager
Happy Hyundai
Direct Line XXX-XXX-XXXX
[redacted] S. [redacted]
[redacted] IL, XXXXX
Store XXX-XXX-XXXX