Pressured to apply for a loan when paying in cash!
I drove out of state to purchase a vehicle from Patrick BMW. I was paying in full with cashier's check. My sales person, Gary Khaytin, including his manager, without my permission, have ran my credit score stating that they do that with every buyer regardless if they are paying cash or not. I was notified AFTER that they have ran my score WITHOUT my consent. I stopped Gary and turned to his manager who was standing outside the office and stated that I did not consent to run my credit score and why was it done in general since I am buying a vehicle in cash. His words “We always want to make sure that you can afford this vehicle. This is a required process in order to buy the car”. I was very confused and highly alerted on what is going on. I did not want a loan or to have my credit pulled since I am paying for car in cash in full. I proceeded because I was told this was a required process to buy the car so I felt trapped with no other option and it was 7:30 at night, having to drive home that's 8hrs away. Manager walked me over to finance department, Dana is her name. The very first document she showed me was called an Installment contract, which is a loan contract with taxes and interest rate included. I told her there is miscommunication, and that I am not applying for a loan since I have a cashiers check in full to pay for vehicle. She stated that this is a bank cashable contract (loan) which they have everyone sign just in case cashiers check bounces. I said I never wanted to apply for one but she again told me this was the only way I could leave with the car. I was tricked and lied into applying for the loan as it was never explained to me what my personal information was being used for. Once they tricked me into an approval, I was told on the spot this was my only option to leave with the car. Now I am left with cashable loan in possession of dealer, hard inquiry on my credit score all while paying in cash! Be on high alert with this dealer! This is called a deceptive and fraudelent business practice. I am taking higher measures to resolve this issue.
Net Promoter® NPS®, NPS Prism®, y los emoticonos relacionados con NPS son marcas registradas de Bain & Company, Inc., Satmetrix Systems, Inc., y Fred Reichheld. Net Promoter Score™ y Net Promoter System™ son marcas de servicio de Bain & Company, Inc., y Fred Reichheld.
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