Katelyn R on BBB
4 years ago
10/27/2019, 04:44 AM
My husband and I don't have good credit, but we are working with a company to help us get our scores up, and we have seen some improvement, however, with our identity stolen a few years ago, it's a little bit longer of a process. We have a fully paid for vehicle, that we wanted to use as a trade in. We had no money down at this time, but we are both employed, full time, and we have open, current, and in good standing checking accounts. My husband has also paid off two vehicles in the past. We stated all of this before even entering the building. Fred G******* said all of this would not be a problem, and offered us to come inside to get started on the details.
Now, let me say, I'm not upset that they couldn't get us approved, I honestly expected it. So please don't take this review as me just being disgruntled.
During our time with Fred, in the beginning it was "No money down, not a problem", quickly turned into us being treated like scum, being shamed, like no money down would ever be an option for us. We went through a two hour process of sending bank statements, pay stubs, even looking a vehicles! Then when he got back our credit reports, he sat down and told my husband "well first problem is YOU have a re-po".(My husband has never had a re-po, we've been together since we were 14yrs old, I would know if he had a re-po) When my husband told him that, his response was "Well the reports don't lie, I dont really care what you have to say". Then turned to me and was shaming me for having things on my report that I "should just pay off". That's when I reminded him, we had our identity stolen, there are things on there that weren't us, which is why we are working with a company to dispute negative items, but the credit company is who recommended we get some positive credit on there to help increase our scores faster. He again treated us as if we were lying and scum. Then told us "because I like you, I'll let you keep the front page of your credit report, but I have to keep the rest". As if he were doing us a favor, or being a friend. Then persisted to say our car value is only $300. It's older, yes. It has some miles, yes. However, the value is far more than $300.
We have both gone through a lot, and have overcome homelessness, and other challenges, we realize that we still have a ways to go with our credit scores, we just were trying to get an idea of just how far that was, or what we needed, in order to be able to get into a vehicle. The way we were shamed, disrespected, and talked down to was extremely demeaning. I work in customer service, and would NEVER treat people like this, no matter what the situation is. No, I may not have the credit score or money to pay your paycheck, but I have plenty of family and friends that do, and if you think that I will recommend your dealership, your sadly mistaken, ONLY due to how I was treated. How you treat people is the absolute most important thing in any business, or even just in life in general. I will take my down payment that I do have tucked away, and take my business elsewhere. If I could give negative stars I would.