Complaints

• Initial Complaint

  03/11/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Car dealership (Aldermans Chevrolet) ran my credit twice on 3/8/2023 after the salesman said he just needed the information to get the paperwork prepared for 3/10/2023 the day I was going to come to the dealership and that nothing would get run till then, he was just going to have the paperwork already to go. I logged into CreditKarma to find he ran the credit inquiry twice on 3/8/2023 after he said he was just preparing the paperwork not running my credit. Aldermans Chevrolet also stated they needed a $1000 deposit to hold the car till 3/10/2023 and then backed out of the deal on the morning of 3/10/2023 the day the sale was supposed to happen, because they wanted me to pay more than what was already agreed upon. I NEVER SAID YOU COULD RUN THE CREDIT THE SALESMAN ***** **** SAID HE WAS JUST PREPARING THE PAPERWORK!!! THEN THEY RAN IT TWICE!If a regular person did this, they would lose their deposit. But a business does this to a regular person and now that regular hard-working person has their credit damaged. Essentially, its ok for business to ruin people and blackmail and push them into deals through these fraudulent car sales. I would like these inquires removed from my credit report as they were not authorized on 3/8/2023.

  Business response

  03/15/2023

  To whom it may concern:
  
  
  I acknowledge that we made some mistakes in execution with ******************
  
  
  The primary mistake was in regard to the value of his trade from the very beginning. This mistake was not caught until the morning of 3/10/23 when we were in the process of preparing for his delivery. We called him and alerted him to this before he drove down. I acknowledge that this mistake was inconvenient and stressful for ****, but it was by no means intentional, nor has this mistake been systemic. It should not have happened, and it should have been caught earlier. I have personally addressed the issue and in the short term, believe that it is less likely to occur again and will be caught sooner if it did. In the long term I have changed the trade-in tool, which will completely eliminate this possibility, but this change will take up to 30 days to take effect.
  
  
  While we asked **** for a deposit of $1,000 and he gave us a credit card number for it, we never charged his card, which was another mistake in execution. We have destroyed the credit card info and do not intend to charge it.
  
  
  With regards to running the credit. We run a person's credit for OFAC compliance and Credit Score Disclosure plus we submit a customer's credit application to any appropriate lenders, which in this case was GM Financial. We do not do this unless a customer has decided to purchase or lease a vehicle from us. I cannot attest to what was said between our associate ***** **** and *****************, but I can tell you that once a customer has decided to purchase or lease a vehicle from us, our next step is to confirm financing for them, especially if they are driving any particular distance, because we do NOT want a customer to make the drive in and then give them a potentially negative surprise such as a higher interest rate, needing more money down, or sorry you didn't get approved. At the time we submitted *****************'s credit application, he believed he was coming to pick up his new truck and we believed that he was coming to pick up his new truck. Why would it be a benefit to anyone to not get the financing approved until he drove all the way down from **********, *******. Even if everyone was confident that it would be approved as called, why drive all the way down here and then wait for the credit approval process, which can sometimes take hours?
  
  
  I object to the statement that we damaged *****************'s credit. Here is a link to explain more on the impact of credit inquiries. ************************************************************************************
  
  
  I regret that we did not do a better job in serving *****************. He deserved better. We will strive to adjust, learn, and provide higher quality execution in the future.
  
  
  Best regards,

  *************************

  ********** Auto Group

  *******. **

  ************

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