Rush Chevrolet

Complaint: [redacted] I am rejecting this response because: What you are saying does not make senseI have received decline and approval letters from multiple lenders from other dealers, and have not received a single letter stating your dealership name with approval or denialsI have contacted GM Financial personallyCan you explain why you have me approved for a different amount than what my letter of approval is saying? Regards, [redacted]

Our General Sales Manager, [redacted] did speak to Mr [redacted] this week He did submit a cancellation request as he originally stated Our Finance Manager, [redacted] , that processed his cancellation request form misplaced the cancellation form in his office After Mr [redacted] contacted him regarding the status of the cancellation, that's when [redacted] realized that it hadn't been filed We acknowledged to him that we were at fault and had not filed the cancellation request We promptly submitted the cancellation and it is being processed by the Service Contract insurance company, Zurich, for refund.We received a confirmation from Zurich today that the cancellation has been received and is being processed The only documentation I have that we could give a copy of to Mr [redacted] is a copy of the original cancellation form he filled out and signed We fax that form to after he signs it over to Zurich and they start processing the cancellation I may very well have the refund available for him by next Friday or possibly earlierThe important thin for Mr [redacted] to keep in mind is that the cancellation of the extended service contract will based on either the amount of mileage that was used during the time that his contract has been in force, or the amount of time ( months that have lapsed since he purchased it The refund will be based on the remaining balance of the pro-rated percentage of the amount of time that has lapsed or the amount of mileageThey refund the lesser of the as stated in the original enrollment documents Zurich also has a toll free Customer Service number in the literature that he can call if he feels the need to confirm the refund processI hope to have his refund ready for him by next Friday, if not sooner Thank You [redacted] General Manager

We are not going to engage in this process anymore with this complaint or with Ms [redacted] She and her fiancé engaged in misrepresentation regarding both of their credit applications and their employers and their incomes This is credit fraud.Her conduct was belligerent and rude and very condescending throughout the process They put over 3,miles on the vehicle and then want to engage in this campaign of victimization.we refunded her her down payment and drive the car 3,miles with no cost to her ENOUGH !!! We are concluded with this matter !! [redacted] Rush Chevrolet

Regarding the above referenced Complaint, Mr [redacted] was attempting to purchase a pre-owned Chevrolet Colorado pickup He has a significant amount of negative equity in his current vehicle that he wants to trade in We submitted his application to numerous lenders to try to secure an approval for him on the Colorado, but none of the lenders/banks were willing to advance the entire amount needed for the purchase and still be able to cover the "negative equity" in his trade-in.In order to cover the Negative Equity and cover the purchase price of the Colorado, Mr [redacted] needed to get an approval for $ [redacted] The best approval we got for him was from [redacted] ***, a copy of the approval is attached, with a maximum amount approval on his application of $ [redacted] Thus we were apart $ 3,on getting his deal done We needed $ 3,in down payment to make up the difference of the $ [redacted] needed to finance the purchase and cover the negative equity in his traand the $ [redacted] maximum approval we received from [redacted] ***.As you can see from the GM Financial Call Back sheet, also in the attached, he was "Declined" for a loan approval from GM Financial.We did get another approval from Capital One Financial for % of the amount needed to finance the transaction, or in other words, Capital One offered to finance $ 19,for his purchase versus the $ [redacted] he was seeking....making his down payment needed $ 6,to get the transaction done through [redacted] *** If he was unwilling to do $ 3,for [redacted] ***, he certainly wasn't going to go along with $ a 6,down payment to get his purchase done through [redacted] ***.So at this time, Mr [redacted] remains $ 3,away form the best approval he could get on that vehicle and the approval will expire on 2/9/ The approvals are good for days

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI would have liked common courtesy of a call back from a member of management from Rush Chevrolet and also documentation of the $being refunded for from Foresight for the GAP Insurance Regards, [redacted] ***

The response submitted is in accordance with the policy and procedures process of the Extended Service contract company We do not set the guid***nes for the process by which "all" cancellations are processed and redeemed We are contractually obligated to abide by their cancellation and redemption process Thanks for the opportunity to clarify Sincerely, [redacted] Rush Chevrolet

Complaint: [redacted] I am rejecting this response because: I received the check today and was shocked on the amountI still have not been given any proof of how the deductions were calculated and how they came to this figureWhen I asked for this info at the dealership, I was denied the documentationI believe I have a legal right to documentation showing how the transaction proceeded and how they came up with this figureAs well as seeing proof that the deductions were made from the time the vehicle was traded in and not from when they received the paperwork due to Rush Chevrolet's negligenceI want the paperwork, And contact information for the Company the contract was throughSimply handing someone a check is not sufficient documentation Regards, [redacted]

We could not process a cancellation for the products Mr [redacted] referenced when he contacted us because his original contract was still in the funding stage and the bank had not completed processing the contract.We received a confirmation form the GAP provider Fore Sight and TD Bank, the original creditor that the cancellation was completed and funds were refunded to us on 5/11/and they will remitted accordingly next week after the 15th.We hope this concludes this matter [redacted] Rush Chevrolet

The response submitted is in accordance with the policy and procedures process of the Extended Service contract company We do not set the guid***nes for the process by which "all" cancellations are processed and redeemed We are contractually obligated to abide by their cancellation and redemption processThanks for the opportunity to clarify Sincerely, [redacted] Rush Chevrolet

To the Revdex.com regarding complaint filed by *** *** - *** Ms*** puirchased said Chevrolet Impala on 1/24/2016. Ms*** came into the dealership and said she was looking for a cheap and inexpensive car for her son to go to school in that was under $ 10,000. We had
nothing in stock under $ 10,that was a retailable car for that price. They saw the Impala and liked it and said it was fineWe explained to them that the car was intended to go to the auction because it had some repair issues and they said that was fine, and that it would work perfect for their son to go to schoool in. The Impala in question was a trade in from a previous customer. The Impala had aftermarket rims on it and when the customer traded it in, he wanted to keep the wheels. So we agreed to let him him keep the wheels and we added a replacement set of wheels to the car so we could send the car to the auction to be wholesaled. When the car was traded in, it had some air conditioning problems, as we disclosed to Ms*** and her son *** ***, when they were showed the car. Our original intentions were to wholesale the car at a used car auction. And we disclosed that to *** and Ms*** because the car had the replacement wheels and tires we put on it and it had air conditioning problems. They said it was fine as is and would accept the car regardless. We told them the car had an AC problem. They didnt want any wheel covers. We told them we would give them a set of wheeel covers for the car.They took the car in the disclosed condition because it had relatively low miles and we could sell it to them for $ 8,and they didnt want to spend any more money than that. We told them that the AC could be repaired with an Extended Service Policy, but that they would have to wait a minimum of days for the coverage to apply to a pre-owned car. The coverages on Extended Service Agreements do not apply to repairs for a day waiting periodThey said that was fine and agreed to accept the policy. We initially purchased a set of wheeel covers from Auto Zone that were after market wheel covers and they did not fit on the rims on the car. So we ordered a replacement set of original factory wheel covers for them. When the wheel covers came in we called *** and he came by to pick them up. We offerd to install them on the car for him but he said he was in a hurry and would do it himself later. He took the wheel covers with him and we never heard back from them for over a month before they called the salepeerson, *** ***, and told *** that the wheel covers didnt fit. We asked them to come by and we would see what the problem was. We havent heard back from them or seen the car since *** picked up the wheel coversIf there is a problem with the wheel covers fitting properly we might be able to replace them or swap out the rims/wheels for a set that will accept the wheel covers. As far as the AC repair, we have never seen the car here in our shop for a repair issue. We have contacted Zurich Insurance, the undewriter for the Extended Service Policy, and they show no history or record of any repairs or claims called in regarding the car or specifically the AC. So I dont know how they can say the work has been declined by the Extended Warranty because no claim or reported claim has ever been made or called in to the provider.Depending on the nature of the repair needed, some or possibly all of the AC components that need to be replaced may be covered by the policy. The policy covers major AC components but does not cover % of all components, no policy does. Only the original manufacturers warranty would cover % of all repairs and that would only apply during the initial bumper to bumper coverage period of months or 36,miles from the original purchase date of the car. The car is a model and that makes it years old, way beyond the original months of bumper to bumper coverage. It had 55,miles on it at time of purchase. That is low miles for a year old car, but it is still beyond the 36,miles of the initial bumpe to bumper coverage.Any service center can reapir the AC under the Extended Service Plan. We can do it, if we can get the car in our shop. Any deductibles and non covered components will have to be paid for by Ms*** and *** but the policy will cover any major components under the plan. We can address the wheel coveer issue if we can see the car and figure out why the wheel covers dont fit. I cant make a year old car a new car agian. We can replace the wheels with "like kind and quality' if necessary. The car had brand new tires on it when they purchased it.I will attempt to attach copies of our repair orders in this email response for the wheels and tires etcwhen the car was originally traded in. And then the subsequent repair order for the new replacement wheel covers when the Auto Zone covers didnt fit for *** and Ms***.If the attahcment file does not contain the documents, I can email them to your attention. Sincerely, *** ** ***General ManagerRush Chevrolet512-281-2210 work

Our General Sales Manager, *** *** did speak to Mr*** this week. He did submit a cancellation request as he originally stated. Our Finance Manager, *** ***, that processed his cancellation request form misplaced the cancellation form in his office. After
Mr*** contacted him regarding the status of the cancellation, that's when *** realized that it hadn't been filed. We acknowledged to him that we were at fault and had not filed the cancellation request. We promptly submitted the cancellation and it is being processed by the Service Contract insurance company, Zurich, for refund.We received a confirmation from Zurich today that the cancellation has been received and is being processed. The only documentation I have that we could give a copy of to Mr*** is a copy of the original cancellation form he filled out and signed. We fax that form to after he signs it over to Zurich and they start processing the cancellation. I may very well have the refund available for him by next Friday or possibly earlier
The important thin for Mr*** to keep in mind is that the cancellation of the extended service contract will based on either the amount of mileage that was used during the time that his contract has been in force, or the amount of time ( months that have lapsed since he purchased it. The refund will be based on the remaining balance of the pro-rated percentage of the amount of time that has lapsed or the amount of mileageThey refund the lesser of the as stated in the original enrollment documents. Zurich also has a toll free Customer Service number in the literature that he can call if he feels the need to confirm the refund process
I hope to have his refund ready for him by next Friday, if not sooner
Thank You
*** ** ***
General Manager

In response to this complaint, there are of course sides to most situations. We diagnosed his concern about the noise coming from his car based on the description of what he said the issue was. We DID NOT have to remove his rear wheel to determine that his rear wheel was grinding metal
to metal on the rear brake because the brake pads were completely worn down to the metal and thus that was the grinding sound he was complaining about. We disclosed to him , as we do to every customer, that there is a $ diagnoistic fee for checking, diagnosing and identifying the problems or concerns that the customer is stating. We also disclose to the customers that if they elect to have the work performed, then we will apply the diagnostic fee to the total repair costs....thus in essescense...we are waiving the fee because we credit it to their bill.If they elect not to have the work done, then they must pay the diagnostic fee. He declined the work... we did not remove the rear wheel because upon putting the car on a service lift and visually inspecting the brakes from inside the wheel as well as through the wheel openings itselfit was visually apparent that the rear brakes were grinding metal to metal becaue the brake pads were comletely worn down and grinding on the brake rotorsBrake pads are a wear and tear item, like tires, and thus are not covered under warranty repairs and Extended SErvice Policies like his Mercury policy as defective items.There may in fact have been additional issues with his car but the immediate and most apparent and the most dangerous issue was his brakes. Upon repairing his brakes we could have then identified any additional issues.I find it ironic that in his description in his complaint...he also states that other mechanic shop said his brakes were griniding and need to be reapired. He wont disclose if he did in fact let the other shop reapir his brakes...because they are dangerous. He says his wife saw the rear wheel wobbling when they drove away....then why didnt they turn around and come back right at that moment and let us address it and raise the concern....instead they just continued on their way with the wobbling wheel that he was so concerned about.We asked him to bring the car back and he wouldnt....we told him we would gladly refund his money if we could inspect the car and identify that we had in fact misdiagnosed the car....and he wouldnt. But we agreed to refund his money anyway. He was very confrontational and became very impatient and would not allow us to process his refund through the standard accounting channels. I am sure you wouldnt allow every empl;oyee in your business that works for you to have open access to issueing checks and having full access to your bank accounts.As a goodwill gesture, We refunded him his monies yesterday on Friday even though we were not allowed to confirm the misdiagnosis or inspect the car. Please let us know if there is any additional issues we need to address.sincerely, *** ** ***

To summarize the chain of events, Mr*** entered into a purchase agreement to purchase a new pickup truck from our dealership as he indicatesHowever, the only Finance Insitution that agreed to purchase Mr*** Installment Contract was GM Financial, a Finance subsidiary of General Motors
Mr*** had some credit issues that impacted his credit eligibility and in order for us to be able to reach a payment that fit Mr*** budget and still enable him to purchase the truck he wanted we had to submit his contract to GM Financial
A requirement and condition of final approval of the contract and funding of the contract from GM Financial to us, the dealership, is that GM Financial MUST verify his employment with his employer and they also must make contact with the customer and conduct a "Welcome Call" to verify the information that the customer has provided to them in his credit application which they relied on to extend him credit approval
After numerous attempts by GM Fiancial to contact Mr*** for the Welcome Call....which they were not able to reach him.....they contacted his employer and the employer stated he was no longer employed there
So Mr*** representation on his credit application of his employment was invalid....as such , GM Financial contacts us and says the contract is invalid unless we can produce new employment informationSo GMF returned the contract back to us and wouldnt fund the contract because they couldnt contact Mr*** or his employerAfter numerous attempts to reach Mr*** by us, he did bring in to us a new paycheck stub for his first weeks employment at his new employer....we forwarded the paycheck information to GMF ...they agreed to re-approve the contract subject to verification with the new employerThey then made attempts to reach Mr*** new employer to verify employment and were not able to do soTherefore, without verification of the new employer....the contract is still not binding again !!!
GMF made a final attempt to contact his employer and were finally able to reach them..........so we resent the Installment Contract to GMF to be fundedBut since the inception date of the contract was nearing days of the original, and all the problems they had with his employment verification, GMF required us to submit his first months payment with the contractMr*** brought us the CASH of $ for the payment, which we cant send them CASH, so we sent a company check drawn on our account on Mr*** behalf with the contractIn the mean time days have now lapsed from the original date of the credit approval
GMF credit policy is that all credit approvals are valid for days.....after days if the approval is not bound by contract submission and the contract is not in their possession and has meant all verification requirements for funding, the credit approval is cancelled and invalidTherefore, a new credit application must be submitted for consideration and re-approvalWe resubmitted the application and received a new approval.....however, the new approval was now in the month of October and GMF finance tiers and interest rate programs had changed from September program rates and the credit tier that they were approving Mr*** for went up and we could not keep the contract interest rate and payment at the original approvalMr*** refused to accept the new credit approval termsWe agreed to cut our price even further to offset the increase in the finance rate and higher payments under the new October approval, but he refused to acept the new terms...in the meantoime and throughout this whole ordeal....he has been driving the truck and getting usage of it
We fianlly told Mr*** if he was not going to accept the new contract approval terms provided by GMF, then we needed him to return the truck.......he refused to bring the truck in on a timely basis until we had to threaten him with a repossession of the truck
At such time we told Mr*** we will gladly refund his down payment of $ 2,upon the return of the truck to us....however, his CASH payment to us of $ for the initial payment requested by GMF under the original approval had already been sent to GMF for credit to his pending approval account on one of our company checks.....and as of this morning, GMF has already cashed our check
We have been told by GMF that they will refund the $payment directly to Mr*** since the payment, made by us on our check on his behalf, was credited to HIS pending contract approvalIf I reimburse him...he will also get a reimbursement from GMF as well !!!!
We have reimbursed him for the $ 2,of his down payment....he reimbursed us NOTHING for the mileage and wear and tear on our truck for days.........and that's ok.......but GMF will reimburse him for the $ that was collected for his first months payment ....IF they could have verified his employmnet .....AND.....he would have made contact with GMF on a more timely basis for his Welcome Call the initial contract approval in September wuld have to in force and none of this would be an issue.!!!!!!!!
As of this morning, He has received his $ 2,down payment and GMF will reimburse him directly for the $ paymentI hope this will suffice for your closure of this case
Sincerely,
*** ** ***
*** ***
Rush Chevrolet
###-###-####

Mr*** came to the dealership to purchase a car. Mr*** filled out credit applications to secure financing for his purchase and when we submitted his credit applications to the bank, we got an approval from GM Financial subject to them being able to verify his income and his
employment.Upon review and verification of the Income Mr*** represented on his credit application, the income was incorrect. Then GM Financial asked for proof of income and he could not produce a verifiable paycheck stub. The bank was requesting a employer generated pay check stub or W-to confirm his income that he claimed on his Credit application.The only proof of income he could produce was a stub that did not identify the employer, social security wages etc. So after several weeks of trying to resolve this matter with Mr*** to no avail, we told him that he either needed to produce verifiable income that the bank can verify or we would need to get the car back from himIn the meantime he was driving the vehicle and accumulating mileage and wear and tear on it.So he showed up with the vehicle and returned it. We refunded him his down payment and he deposited our refund check to him on 6/2/17. In addition, he purchased a car at *** Ford and we paid them/ *** Ford the equivalent of the Trade in allowance we had given Mr*** on his purchase.So, Mr*** has received his down payment back and deposited the refund into his account, *** Ford processed his trade inMr*** has been made whole and we have a vehicle that was driven for over days and now has mileage on it and we are glad we could resolve the matter and move forward. Sincerely, *** ** ***General Manager*** ***

Complaint: ***
I am rejecting this response because:The statement that was made in reference to this complaint are falseI have the recordings of each conversation that I have had with each individual concerning the signing of both contracts.The first contract was signed with my fiance *** *** fell through because they said he didn't send paperwork back in time and his income wasn't enoughThe 2nd contract was signed with same finance company only using Mr.*** for credit purposes only,and I was told my income exceeded what they needed to qualify meWhen paper work assent overnight to Mr.*** he made copies of everything and sent back the following day,week later I started receiving finance application letters in the mail which prompted me it fell through againAnd as for Mr.*** income I stated to them that he had just started the job,and was not living with me, and that's when the sales manager said they would make up paperwork putting Mr.*** address the same as mineI have recordings of everything regarding this matter,this matter has been resolved I received my down payment back and will never ever use this company again
Regards,
*** ***

In response to the complaint from Ms***, There is not anyone named *** ***, we do have a *** ***.....secondly, Mr*** does not smoke so he couldn't have been gabbing and smoking cigarettes. There is also no one named *** ***, we do have a *** *** and he
did speak to Ms***.When she came in to shop for a car, we sat down with her and reviewed her credit with her. Her credit score is challenging and she has a relatively low credit score, and her income is limited and as such her application presented some financing challenges. The car Ms*** wanted was Cruze and as a model it currently has very small rebate values ( only $ 1,). Due to her limited income and the level of the credit score, we could not get her approved on the Cruze she wanted without substantially more down payment, which she refused to put down any additional down payment, and we also needed a co-signer that could help with the credit approval due to her current credit score limitations. She was unwilling and unable to do eitherAs an alternative option, we presented her a different vehicle a Chevy Sonic that is less expensive ( about $ 2,less than the Cruze) and it has a significantly larger rebate available on it ( over $ 3,vs the $ 1,on the Cruze) We were able to get her a credit approval by a reputable bank on the Sonic and we were prepared to deliver and sign her up on the Sonic ...but we COULD NOT get her approved on the Cruze she wanted without more down payment and a co-signer that could add more income and a better credit score to the applicationShe became VERY UPSET, then she began yelling and screaming and cussing out the Salesman that was helping her and the Sales Managers that were trying to calm her down. She was using foul language in the dealership and it was during business hours and she then began to walk around the showroom yelling and screaming and cussing and going up to other customers and yelling about how she was getting cheated. She was disruptive and very rude to the other customers. Her language and behavior was disgraceful !! We will not sell her a vehicle and she cannot return to our dealership
*** ** ***, General Manager

Ms. [redacted] originally entered into a purchase agreement on 3/30/17 and put a $ 1,500 down payment down towards the purchase of the 2017 Chevrolet Traverse.  She has since returned the vehicle on 4/25/17 and we have refunded her down payment of $ 1500.00 on 4/25/17.  The issue with...

Ms. [redacted]s retail purchase and her Installment contract was that her Income she reported on her credit application was overstated and misrepresented.  When the creditor, GM Financial, requested proof of her income.  The pay check stubs and proof of income she provided, did not match up to the amount of the income she represented on her Credit Application.  Which by the way, is a Federal offense and Credit Fraud.In addition, Ms. [redacted]s husband [redacted], who was a co-applicant on the purchase and on the Retail Installment Contract, also misrepresented his employment and his income on his credit application....again, a Federal offense and Credit Fraud.GM Financial could not verify Mr. [redacted]'s employment or his income with his employer.  And when they were finally able to contact his employer, they were informed that he had quit his job and was no longer employed at that place of business.There have been numerous references made by Ms. [redacted] to the Revdex.com and on Social Media sites that this was a "Yo-Yo Scam".  The only "scam" and "yo-yo" was the misrepresentation and fraudulent information both her and Mr. [redacted] were providing us and the lending institutions.  They had possession of the vehicle and were in the vehicle 25 days.  During that 25 day time period, they put over 3,000 miles on the 2017 Chevrolet Traverse she was attempting to purchase and would not make any compensatory payment for the mileage and use and wear and tear that had put on the vehicle in the 25 days they drove it.  At the IRS mileage allowance of .52 cents per miles.  The 3,000 plus miles at .52 cents would equate to about $ 1,560.00.However, in the interest of Goodwill and to resolve the issue and get our vehicle returned to us, we refunded the full $ 1,500 down payment back to her on 4/25/17.  We hope this will conclude this matter.

We can't answer or explain why [redacted] CU would offer a different approval for the same customer.  It is a violation of the Fair Lending Act for a lending institution to offer different loan approvals to different dealerships for the same applicant.  That's basically the same as a discriminatory action.  The lender can give different approvals if the loan parameters change....i.e.  more down payment is presented at a different dealership....or....a different vehicle with a different wholesale market value is chosen........or....... other income is introduced into the application or there is now a co-buyer.Either way, the dealership cannot change a banks approval if all the parameters of the loan are the same.  GM Financial did decline the loan as per the attachment that was included.  The GMF funding department does not review credit applications... That would be the buying center at GMF.As such, we have addressed all the issues and provided all the relevant information we have in our files.  We consider the matter closed and hope Mr. [redacted] has had success finding a vehicle and a loan that meet his needs.

Complaint: [redacted]
I am rejecting this response because: What you are saying does not make sense. I have received decline and approval letters from multiple lenders from other dealers, and have not received a single letter stating your dealership name with approval or denials. I have contacted GM Financial personally. Can you explain why you have me approved for a different amount than what my letter of approval is saying?
Regards,
[redacted]

We could not process a cancellation for the products Mr. [redacted] referenced when he contacted us because his original contract was still in the funding stage and the bank had not completed processing the contract.We received a confirmation form the GAP provider Fore Sight and TD Bank, the original...

creditor that the cancellation was completed and funds were refunded to us on 5/11/17 and they will remitted accordingly next week after the 15th.We hope this concludes this matter . [redacted]Rush Chevrolet