To Whom It May Concern, When Corey [redacted] was asked about this consumers concern he denied...
ever claiming this consumer was told they had to open the card nor did he say that the card had anything to do with the loan. Paddock Chevrolet understood that they had no possible way to confirm what had occured and didn't feel comfortable with the possibility that a consumer could be offered a card or sign up for a card without fully understanding what was happening. We have changed our policy because of this and have canceled offering the card to anyone. It is also our understanding that as long as the card is not authorized when received by the consumer it is not activated therefore not reported to a credit bureau. While we are not the credit card company this was the information we received when we looked into this situation with Capitol one. The last fact that should be addressed is Mr [redacted] is no longer employed by Paddock Chevrolet . Bill W[redacted] General Manager
To whom it may concern.
My name is Darren Paddock, I am the Director of Finance at Paddock Chevrolet
As the Director one of my responsibilities at the dealership is to safeguard and administer customer credit applications and also resolve any...
questions or concerns that a customer may have with there credit. After receiving Mr. [redacted]'s complaint that we ran his credit with out his permission I look into the facts of what had happened. We take our customers credit and the compliance to safe guard that information very seriously and after reviewing the documentation that was collected from the customer I found that we did have the customer fill out and sign a credit application before we ran his credit. I then called Mr. [redacted] to hear his side of what had happened and why he felt the we ran his credit without his permission.
When I called Mr. [redacted] he explained that he was upset because he didn't think that the credit application that him and his wife filled out was in fact a credit application, he told me that it was explained to him that it was just a form to gather his information. After I spoke with Bill K[redacted] the used car manager that was involved running Mr. & Mrs. [redacted]'s credit I came to the conclusion that there was definitely some confusion between Mr. [redacted], the salesperson and Bill K[redacted]. Because of the confussion I explained to Mr. [redacted] that I could call our credit reporting company and start the process to remove the inquire to remedy the situation. I spoke to our credit reporting company around September 17th to start the process to remove the inquire. I received a call from the credit reporting company on October 5th and they asked me to email them addition information to help with the removal of the credit inquiry. I was informed that the credit inquiry will be removed anywhere form 30 to 45 days form the October 5th. I spoke with Mr. [redacted] and explained the process to him and he was happy with what we have done do resolve this matter for him. I will follow up with Mr. [redacted] after the credit inquiry is removed.
Thanks Darren Paddock
I am hoping for better communication between consumer and customer obviously once we ordered the [redacted] there was none !!!!!
If I didn't call to find update status on my order I would of never heard from them during the process..
Also because of lack of communication I missed...
out on at least two promotions one for $2000.00 Thanksgiving or $5,000.00 Black Friday salesWe are not looking for both one would be good.. As noted we know our vehicle was delayed due to snow storm ; how ever we still should have been at least offered one.
Thank you for your help
To Whom It May Concern, When Corey [redacted] was asked about this consumers concern he denied...
ever claiming this consumer was told they had to open the card nor did he say that the card had anything to do with the loan. Paddock Chevrolet understood that they had no possible way to confirm what had occured and didn't feel comfortable with the possibility that a consumer could be offered a card or sign up for a card without fully understanding what was happening. We have changed our policy because of this and have canceled offering the card to anyone. It is also our understanding that as long as the card is not authorized when received by the consumer it is not activated therefore not reported to a credit bureau. While we are not the credit card company this was the information we received when we looked into this situation with Capitol one. The last fact that should be addressed is Mr [redacted] is no longer employed by Paddock Chevrolet . Bill W[redacted] General Manager
To whom it may concern.
My name is Darren Paddock, I am the Director of Finance at Paddock Chevrolet
As the Director one of my responsibilities at the dealership is to safeguard and administer customer credit applications and also resolve any...
questions or concerns that a customer may have with there credit. After receiving Mr. [redacted]'s complaint that we ran his credit with out his permission I look into the facts of what had happened. We take our customers credit and the compliance to safe guard that information very seriously and after reviewing the documentation that was collected from the customer I found that we did have the customer fill out and sign a credit application before we ran his credit. I then called Mr. [redacted] to hear his side of what had happened and why he felt the we ran his credit without his permission.
When I called Mr. [redacted] he explained that he was upset because he didn't think that the credit application that him and his wife filled out was in fact a credit application, he told me that it was explained to him that it was just a form to gather his information. After I spoke with Bill K[redacted] the used car manager that was involved running Mr. & Mrs. [redacted]'s credit I came to the conclusion that there was definitely some confusion between Mr. [redacted], the salesperson and Bill K[redacted]. Because of the confussion I explained to Mr. [redacted] that I could call our credit reporting company and start the process to remove the inquire to remedy the situation. I spoke to our credit reporting company around September 17th to start the process to remove the inquire. I received a call from the credit reporting company on October 5th and they asked me to email them addition information to help with the removal of the credit inquiry. I was informed that the credit inquiry will be removed anywhere form 30 to 45 days form the October 5th. I spoke with Mr. [redacted] and explained the process to him and he was happy with what we have done do resolve this matter for him. I will follow up with Mr. [redacted] after the credit inquiry is removed.
Thanks Darren Paddock
I am hoping for better communication between consumer and customer obviously once we ordered the [redacted] there was none !!!!!
If I didn't call to find update status on my order I would of never heard from them during the process..
Also because of lack of communication I missed...
out on at least two promotions one for $2000.00 Thanksgiving or $5,000.00 Black Friday salesWe are not looking for both one would be good.. As noted we know our vehicle was delayed due to snow storm ; how ever we still should have been at least offered one.
Thank you for your help