We believe the treatment received by Wilcox Chrysler to be unethical and highly questionable
We stopped at Wilcox Chrysler to get information on a car. Their agent ****(I believe his name was) approached us. We many times clearly stated our needs and what we needed in order to purchase a car. We very clearly stated we needed a minimum of $6500.00 for our car in order to pay loans against it. We also clearly stated that we needed to have a payment in the area of $400-450. Without even looking and appraising our car, stated that the most he could give us was $3000.00. We clearly stated that we could not proceed with those figures. He eventually came up to $3500.00. Again we told him it wouldn't work. As a last effort he said to fill out a form to present to his sales manager. I signed the form to see what his sales manager would say. They took it as a credit request and blasted it around the country to, at last count, was 9, count them 9, credit companies. I was not asking for credit (I would go to my own bank.) WHY,WHEN THEY KNEW WITHOUT DOUBT THE SALE WOULD NOT HAPPEN, DID THEY FEEL, (AND WITHOUT AUTHORIZATION) THEY COULD BLAST A CREDIT REQUEST AROUND THE COUNTRY. At NO time was a signed official written offer made by them to me or me to them. I believe their actions are highly unethical.
In the process they have greatly diminished my credit rating.
xHuntington National Bank wrote :Number of inquiries adversely affected score
Bank of the West: Number of recent inquiries
These are entries now on my credit record because of Wilcox Chrysler
1. ****, The Representative for Wilcox Chrysler, knew without a shadow of a doubt that no deal could possibly be made.
2. At no time was an official written offer presented to Wilcox Chrysler nor was there ever an official written offer made by Wilcox Chrysler
3. Knowing The information regarding our requirements and knowing no sale could be made, Wilcox had an obligation, both ethically and morally, to protect the consumer.
4. I believe the actions by Wilcox Chrysler were unethical, morally wrong and highly questionable.
1. dismiss their representative, ****, for disregarding our needs. If he has done this to us, he has probably done it to others. Unless this is the normal practice of Wilcox Chrysler.
2. Require each and every loan source they contacted to contact the credit bureaus and rescind their requests. This must be done in order to restore our credit.
3. If they succeed in 1 and 2 above (within 60 days) I will be satisfied and will drop this
4. If they are unable or unwilling to do the above, and because their actions have greatly diminished our ability to purchase an automobile. They can honor our original conditions, $6500.00 cash for our van, so we can pay off that loans, and provide us an automobile equal to the 2012 Chrysler Town and Country we looked at on the floor, at a loan with payments no higher than $450.00/mo and an interest rate no higher than 5.75%
Business' Initial Response
I have talked with Mr. ******* and explained that we were simply trying to get Mr. ******* the vehicle he wanted at the terms he wanted. He did decide on a van in our showroom and told us he would buy it if we could get the payments at $450 or below, at that time we told him we would see what we could do and the only way to know for sure is to send it into the banks. He filled out an application and we began to try and secure financing for him. We were unable to do so because of a number of reasons: poor credit, negative equity, no money down, etc. I tried to explain to Mr. ******* that we don't make those decisionns here, that the bank has the final say. We tried our best to get him financed at his terms but had no success. He gave us a credit appplication and wanted to see if we could get him financed at his terms. I don't understand what we could of done differently. There was no offer made to Mr. ******* because we didn't know if we could obtain financing and if we did at what terms. I don't think there was any misleading the customer but maybe we should have made sure he understood that in his case, we couldn't tell him any figures without sending it to the banks and see what kind of approval we could get. We were simply trying to get him the van and the terms he wanted.
Consumer's Final Response
(The consumer indicated he/she DID NOT accept the response from the business.)
When we met with **** we were very, very explicit on what we needed in order for us to purchase a vehicle.
We told him immediately that we had loans on our car totaling $6500.00 and that they would have to give us that much for our car to pay off our loans. **** told us that would be impossible for them to pay that much and said all they would give us was $3000.00. (he never did look at or appraise our car). We were extremely clear that we could NOT purchase a car on those terms. At NO point were we ever close to making an offer, and never did.
We were so far apart It absolutely baffles my mind how anyone could construe those statements to mean we were going to purchase.
We were greatly misled by **** when he said he needed to have those papers signed to see if his manager would approve. We feel he subtly coerced us to sign the form. We absolutley did NOT request financing. NOR did we EVER make a purchase offer.
******'s blatant refusal to acknowledge our position and needs, has eliminated any chance of our getting any type of financing for the forseeable future. As of today we have received 13 letters of refusal, many citing the fact of numerous credit requests, which was not the case before our visit to ******. We feel ****** acted in wilful disregard for their customers.
We request satisfaction to correct the damage ****** has caused us.