Sellers Buick GMC fraudulently pulled my credit report without my authorization.
On May 3, 2019, I applied for auto financing through Sellers Buick GMC. Before submitting my application, I spoke with the Finance Manager, Lisa, and very clearly explained that I did not want more than one hard pull against my credit; in other words, submit my application to only one lender. When I reviewed my credit report, there were two hard pulls -- one from GM Financial and one from Sellers Buick GMC. I wondered why Sellers would pull my credit report as the dealership is not a lender; so I called Lisa. According to her, "We pulled your report in order to give you a credit disclosure upon vehicle delivery." There are two concerns here: (1) she should have made me aware of that process when I explained that I wanted no more than one hard pull against my credit -- doing so would have allowed me to make a choice as a consumer, and (2) I had not decided to purchase a vehicle so there was no delivery involved. The problem became worse when I spoke with Lisa about having the credit pull removed; she ignored my concern telling me that it won't have a negative impact on my credit so it doesn't matter. In fairness, I contacted TransUnion which verified that Lisa was correct -- the second pull would have no impact on my credit score; however, what matters is my voice as a customer. Not only did Lisa blatantly disregard my choice/rights as a consumer, she didn't even care enough to acknowledge her mistake.
Several days later, I received a follow up e-mail from my Salesperson, Amy, and later again from the Sales Manager, Phil, asking if I was still interested in purchasing the vehicle; I replied with my concerns about the credit pull. I never received a response. While Sales may not be the appropriate department to address my dispute, I was shocked that I did not receive a reply from either person -- at the least, good customer service would be to acknowledge receiving the e-mail and directing me to the appropriate person. Overall, I am left with the impression that Sellers Buick GMC has poor customer service and I learned to never apply for financing through that dealership.
*** UPDATE MAY 28, 2019 ***
Today I received a denial for vehicle financing from Sellers Buick GMC. First of all, I had already been approved through GM Financial based on my credit application that Sellers submitted with $6K down on a $17K vehicle. Secondly, my credit score is 757, my income is in a six-figure range, and I have flawless history in paying off an auto loan ... but Sellers denied my credit application for $11K. Really?! Seems a bit fishy to me.
Sellers, why would my credit be approved and then later denied within the same month after writing a review about your poor customer service? read more