Initial Business Response /* (1000, 5, 2015/02/05) */
Contact Name and Title: [redacted]
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@zeiglercdj.com
When the customer took delivery of the vehicle we had an approval from the lender that allowed us to sell him a warranty. When the...
lender called to do a final interview for funding. The customer failed the interview and the lender rescinded its approval. We were forced to obtain another approval from another lender that did not allow us to sell the customer a warranty. His monthly payment was also LOWERED by over $100 per month. He signed a contract for the lower payment knowing he couldn't get a warranty unless he paid cash for it. We then sold him a warranty separately and gave him 0% financing on the warranty for a short period of time, and also paid his down payment for the warranty for his trouble and to try help him. At the time he bought the warranty he was told there was 30 day indemnification. And he was aware he would have to wait to make a claim.
Ms. [redacted] I am truly sorry for your frustration, but in this case when it comes to your credit Bureaus there is nothing we can do. We do not send information to the Credit Bureaus we send information to the Finance Companies. We cannot contact the Credit agencies in regards to the information on your Credit report. You and only you have to contact them and see what needs to be done. We will help in anyway in the future but to contact them is just something we cannot do. My Apologies,[redacted]
Mr. [redacted], my name is Joe [redacted] I am the Regional Vice President here at Zeigler and first let me apologize for the misunderstanding. This is not how we do business here at Zeigler and I can assure you this has been discussed with Nick and we have used this as an example of how to...
more clearly go over contractual issues. I can assure you we have done everything possible to cancel you service contract in a timely manner. I would like to extend a $100.00 check to you from us to express our sincere apologies and to compensate you for the time and trouble this has caused you.Sincerely Joe [redacted]
Miss [redacted] first let me apologize for the misunderstanding, I have spoken to Mr [redacted] and he has briefed me on this situation. We have sent the corrected information to the Secretary of State and have requested the title back from the State to make the corrections to both. The [redacted]...
tkaes some time to handle these things but I can assure you we are on top of this and once thigs are corrected the state will send the title to the [redacted] Holder (bank). As far as the Credit Report you recieve compensation from a court ordered [redacted]t and maintenance fro the state of ILL. For your inconvience I will issue you a check for $100 for any trouble this my have caused you.Thank You [redacted]
Initial Business Response /* (1000, 5, 2015/08/05) */
Contact Name and Title: [redacted] GM
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@zeigler.com
Good Evening I am writing in response to Ms. [redacted] letter to the Revdex.com. After reviewing her complaint I have looked back into our system...
showing that Zeigler Chevrolet ran her credit and Mr [redacted] Credit only one time. They were submitted to 4 lenders. The reason was due to the rate the consumer wanted. They had a rate from [redacted] bank and we knew we good get them a better rate. [redacted] was to be the original lender as using the terms listed by them the rate was to be better then the rate that [redacted] bank had told the customers. When they approval came back it was higher then we expected. When speaking with [redacted] The customers had two different credit scores one which was higher then the other. Due to the big spread between them we could not get them the rate with both of them on the loan they were coming back at a higher tier. Our team did try very hard to get them the best rate that would be available to them. We did get them a better rate then they had. We will try 3 different lenders on average to try an obtain the best rate for a consumer. When a couple is buying a vehicle and they are listed at 2 different tiers due to credit score it does make it harder to get rates under posted rates. As an example when a customer has a 799 credit score and the other person score is a 620 score the bank will look at them together and will pay a higher rate even if the main buyer score is at the best tier. They both factor into the rate. Our finance team was trying to work with the lenders to get them a much better rate then they had. We did get them a lower rate and we did have to try 4 lenders. We did not use anymore then 4 lenders which is common practice when trying to a lower rate then posted rates. Our intention was to only help the customer and get them the best rates that would be available to us. We did not submit the application to 8 lenders. There are only 4 lenders that we had a chance of getting them the rate of 2.59% which they wanted. According to our finance team they did have a pre approval for a higher rate them they received from us. I am sorry if you feel we misled you in any way. We were only trying to save you money. We would not of submitted you to 8 lenders.
Initial Consumer Rebuttal /* (3000, 12, 2015/08/19) */
My apologies for the delayed response. The dealer's response provided is not a valid one to me. How can you let someone drive off the dealership with a car they have purchased already and with all documents signed and Not have a final approval with a lender? Whether they were trying to save us money or not. They shouldn't be running a customer's credit report AFTER they leave the dealership with the car. My authorization was Not given to have my credit ran. I received No call from the dealership to give me a heads up. I expressed to them several times I didn't want my credit ran through different banks because we're looking to buy a house soon and I didn't want my credit score to decrease too much. With them knowing that information they didn't take that in consideration. I still think what Zeigler Checrolet did was unethical and wrong. They should learn how to accept they made a huge mistake on this one.
Final Business Response /* (4000, 14, 2015/08/27) */
Contact Name and Title: [redacted] GM
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@zeigler.com
We did try to get the customer the best rate for the purchase of the vehicle. We are the middle business between the banks and the consumers. Our only intention was to get the best rate for them. We only run credit to look for the best options. I am sorry that a better explanation was not given on the process. We can not approve a loan we only negotiate a loan on the customers behalf based on the credit file to get the best rate we can for the consumer.
Revdex.com:
I have reviewed the response made by the business in reference to compliant ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
Jake [redacted]
Initial Business Response /* (1000, 5, 2015/02/05) */
Contact Name and Title: [redacted]
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@zeiglercdj.com
When the customer took delivery of the vehicle we had an approval from the lender that allowed us to sell him a warranty. When the...
lender called to do a final interview for funding. The customer failed the interview and the lender rescinded its approval. We were forced to obtain another approval from another lender that did not allow us to sell the customer a warranty. His monthly payment was also LOWERED by over $100 per month. He signed a contract for the lower payment knowing he couldn't get a warranty unless he paid cash for it. We then sold him a warranty separately and gave him 0% financing on the warranty for a short period of time, and also paid his down payment for the warranty for his trouble and to try help him. At the time he bought the warranty he was told there was 30 day indemnification. And he was aware he would have to wait to make a claim.
Ms. [redacted] I am truly sorry for your frustration, but in this case when it comes to your credit Bureaus there is nothing we can do. We do not send information to the Credit Bureaus we send information to the Finance Companies. We cannot contact the Credit agencies in regards to the information on your Credit report. You and only you have to contact them and see what needs to be done. We will help in anyway in the future but to contact them is just something we cannot do. My Apologies,[redacted]
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]
Mr. [redacted], my name is Joe [redacted] I am the Regional Vice President here at Zeigler and first let me apologize for the misunderstanding. This is not how we do business here at Zeigler and I can assure you this has been discussed with Nick and we have used this as an example of how to...
more clearly go over contractual issues. I can assure you we have done everything possible to cancel you service contract in a timely manner. I would like to extend a $100.00 check to you from us to express our sincere apologies and to compensate you for the time and trouble this has caused you.Sincerely Joe [redacted]
Miss [redacted] first let me apologize for the misunderstanding, I have spoken to Mr [redacted] and he has briefed me on this situation. We have sent the corrected information to the Secretary of State and have requested the title back from the State to make the corrections to both. The [redacted]...
tkaes some time to handle these things but I can assure you we are on top of this and once thigs are corrected the state will send the title to the [redacted] Holder (bank). As far as the Credit Report you recieve compensation from a court ordered [redacted]t and maintenance fro the state of ILL. For your inconvience I will issue you a check for $100 for any trouble this my have caused you.Thank You [redacted]
Initial Business Response /* (1000, 5, 2015/08/05) */
Contact Name and Title: [redacted] GM
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@zeigler.com
Good Evening I am writing in response to Ms. [redacted] letter to the Revdex.com. After reviewing her complaint I have looked back into our system...
showing that Zeigler Chevrolet ran her credit and Mr [redacted] Credit only one time. They were submitted to 4 lenders. The reason was due to the rate the consumer wanted. They had a rate from [redacted] bank and we knew we good get them a better rate. [redacted] was to be the original lender as using the terms listed by them the rate was to be better then the rate that [redacted] bank had told the customers. When they approval came back it was higher then we expected. When speaking with [redacted] The customers had two different credit scores one which was higher then the other. Due to the big spread between them we could not get them the rate with both of them on the loan they were coming back at a higher tier. Our team did try very hard to get them the best rate that would be available to them. We did get them a better rate then they had. We will try 3 different lenders on average to try an obtain the best rate for a consumer. When a couple is buying a vehicle and they are listed at 2 different tiers due to credit score it does make it harder to get rates under posted rates. As an example when a customer has a 799 credit score and the other person score is a 620 score the bank will look at them together and will pay a higher rate even if the main buyer score is at the best tier. They both factor into the rate. Our finance team was trying to work with the lenders to get them a much better rate then they had. We did get them a lower rate and we did have to try 4 lenders. We did not use anymore then 4 lenders which is common practice when trying to a lower rate then posted rates. Our intention was to only help the customer and get them the best rates that would be available to us. We did not submit the application to 8 lenders. There are only 4 lenders that we had a chance of getting them the rate of 2.59% which they wanted. According to our finance team they did have a pre approval for a higher rate them they received from us. I am sorry if you feel we misled you in any way. We were only trying to save you money. We would not of submitted you to 8 lenders.
Initial Consumer Rebuttal /* (3000, 12, 2015/08/19) */
My apologies for the delayed response. The dealer's response provided is not a valid one to me. How can you let someone drive off the dealership with a car they have purchased already and with all documents signed and Not have a final approval with a lender? Whether they were trying to save us money or not. They shouldn't be running a customer's credit report AFTER they leave the dealership with the car. My authorization was Not given to have my credit ran. I received No call from the dealership to give me a heads up. I expressed to them several times I didn't want my credit ran through different banks because we're looking to buy a house soon and I didn't want my credit score to decrease too much. With them knowing that information they didn't take that in consideration. I still think what Zeigler Checrolet did was unethical and wrong. They should learn how to accept they made a huge mistake on this one.
Final Business Response /* (4000, 14, 2015/08/27) */
Contact Name and Title: [redacted] GM
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@zeigler.com
We did try to get the customer the best rate for the purchase of the vehicle. We are the middle business between the banks and the consumers. Our only intention was to get the best rate for them. We only run credit to look for the best options. I am sorry that a better explanation was not given on the process. We can not approve a loan we only negotiate a loan on the customers behalf based on the credit file to get the best rate we can for the consumer.
Revdex.com:
I have reviewed the response made by the business in reference to compliant ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
Jake [redacted]