Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased a new vehicle. When negotiating price and trade in value of my truck. I was given a trade in value by the sales person of $16,500 to match a competitors trade in value. When I was sent to finance, the finance person rushed me through the paperwork and had me sign without giving me time to review everything was accurate because he kept getting sidetracked and leaving to talk to manager. After a week of asking for paperwork to review, I see the trade in value had been changed from the agreed upon amount of $16,500, to $15,000. I brought this to the attention of finance and emailed general manager along with manager. No reply from the dealership regarding issue. The additional $1,500 was tacked onto my loan unbeknownst to me until after the fact.

  Business Response

  Date: 08/12/2024

  I communicate directly with the customer via company email.

   

  Hi *****,
  Thank you for reaching out regarding your concerns with your purchase. I have attached the original worksheet from the agreement that you made with ************************* to going into finance with ****** as well as your Retail Installment Contract.
  
  The agreement shows that the trade value is $15,000 Trade allowance and the Relative Trade allowance with tax savings of $16,050 at the bottom of the page. You mentioned that you wanted to finance under $20,000 which the worksheet also shows after a down payment of $50,000. After reviewing your contract your amount financed is $22,353.14 and you purchased an Service Contract for $2,736. The total before the Service Contract is $19,617.14
  
  Please let me know if you have any further questions or concerns.
  
  
  ********************
  General Sales Manager
  Gettel Stadium Toyota
  ************
  

• Initial Complaint

  Date:08/06/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to gettel toyota to purchase a camry, agreed on numbers with the sales person ***************************** with ********************* as desk manager, then in the finace office the finance manager ***************, offered me ************* at almost $900 which I agreed and after everything they send me home with out a contract, then when I get the contact because I had to go there and ask for it because they were refusing to give me a copy of it. I see my payment is a lot higher than I agreed to and there is a lot of warranies and extra services that I did not agreed on in the contract, also I feel they modified my credit application in order for the bank to approve all the add-ons, i went to the dealership to talk to *************** and ****** with no luck and they offered me instead a free tank of gas.

  Business Response

  Date: 08/15/2024

  Hello. We have worked directly with this customer ****************** to resolve this situation. Customers concerns have been addressed and taken care of. Thank you  

• Initial Complaint

  Date:08/05/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I intended on purchasing a 21 ****** Miami with the business, however, due to horrible customer service, I decided against it. Simultaneously, I let my loan lender know that I would not be doing business with Gettel (12 hour time difference), however, by this time, Gettel had wrongly cashed the check for said vehicle. I did not at the time, nor subsequently purchase a vehicle with them or sign a contract to authorize the cashing of the check. *** called several times and sent email requesting a reimbursement back to my loan lender, BCU. is been several weeks and still no response. They are in wrongful possession of $26,634.74 and I need it back. Please note that I have since relocated to ********, therefore, *** not physically gone back to this business. Your help in this manner, is greatly appreciated.

  Business Response

  Date: 08/18/2024

  Good afternoon. We have resolved this with the customer directly. We issued a check to resolve this issue. Thank you 

• Initial Complaint

  Date:06/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a 2022 Tesla model 3 vin:***************** on 5/25/2024 at gettel toyota stadium the car was sold to me as a vehicle with 0 accidents 1 owner clean title , Carfax and true car both stated so and the sales manager **************** and Sales advisor ******************************** both claimed the vehicle was in great conditions and it was free of accidents. Visually the vehicle seemed fine. Upon received no the vehicle I noticed and mentioned that the steering wheel wasnt straight and the vehicle needed to get aligned. I was ignored on behalf of the matter. I didnt think it was to much of a big deal so I went back to ***** and took it to a ************* center to have it looked at as the vehicle is still under warranty Upon taking it to the service center they informed me that they have failed to align the vehicle correctly because the car has rear subframe damage which occurred in an accident that the under carriage of the vehicle received at a time prior to my ownership requiring to replace the main high voltage battery under the vehicle amongst other components. I bought this vehicle because it was free of any accidents and that is not the case the integrity of the vehicle is compromised and I only purchase the vehicle because it was supposedly a 1 owner clean title 0 accident vehicle when in fact that was not the case. The ************* center will not cover the cost to replace the rear subframe under warranty as the damages happened during an accident that the vehicle took part in at a time prior to my ownership this was not disclosed to me by the dealership if so I would have never bought the vehicle. I cannot use the vehicle and it is my daily commuter I need to have this resolved promptly. The dealership has been giving me the run around since 6/7/2024 it is now 6/12/24 and they do not seem to be of any assistance I have called so many times trying to get in contact with an individual who can assist on the matter. I would like to return this vehicle

  Business Response

  Date: 06/19/2024

  We are currently working with *************** to resolve this issue. Gettel Stadium Toyota takes customer satisfaction very seriously and while it's unfortunate that this happened, we hope to have everything resolved very soon for him. Thank you for working with us ***************. 

• Initial Complaint

  Date:06/06/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  10 May I bought a car from Gettel Stadium Toyota for $5500. Last week the battery died and I bought a new $250 battery. Today, 5 June, 26 days after I bought the car, I left work at 4pm and my car went into Reverse with traffic behind me. I put the car in **** and the car stayed in *******. I shut the engine off, tried to start the car and it wouldn't start. I had my car towed to Gettel Stadium Toyota and I paid $115 for the tow.I am a Retired Disabled Veteran 100% Service-Connected Disability and I want my money back so I can buy another car to get back and fourth to work to pay my bills, food, rent, and taxes.

  Business Response

  Date: 06/13/2024

  Tell us why here...

  It is unfortunate that ****************** had an issue with the 2005 Lexus RX 330 she purchased from us last month. This vehicle was sold AS IS  No Warranty with full disclosure and transparency (please refer to attached Buyers Guide). Prior to the sale the Lexus did go through an inspection performed by one of our Certified Technicians. In addition to the inspection, we replaced Valve Cover Gaskets, Wiper Blades and Oil Change (please refer to attached Repair Order). The battery tested Good at time of inspection and is included in the attached Repair Order.  As a Gesture of Good Faith we did offer to trade her out of the vehicle or a discount on the repair.
  
  Sincerely,
  
  *******************
  Gettel Stadium Toyota Pre-Owned Director
  
  

• Initial Complaint

  Date:06/06/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My girlfriend financed a 2013 **** Escape from Stadium Toyota on July 15, 2022. She inquired about Toyotas and Nissans specifically, but was persuaded by the manager to get a **** Escape because it was a nice size SUV with low mileage. On May 2, 2024, the engine had randomly caught on fire after taking a drive, ultimately destroying the car. There was no accidents nor any concerns prior to the engine catching on fire. Her insurance company deemed the car as a total loss but only covered a portion of the rest of her car note, with her owing around $3,600. Come to find out, there were recalls on the 2013 **** Escape which specifically mentions the risk of an engine fire. We were not aware of the recalls. I went to Stadium Toyota to inquire about vehicle prices as I wanted to get a replacement vehicle for us. I had asked about some Toyotas and Jeeps that I was interested in and the manager wanted to convince me to get the Jeep. My girlfriend came to Stadium Toyota and explained how she had bought a **** Escape from them that caught on fire and that we were not aware of a recall. We asked if the dealership can somehow wipe the remaining balance on that old car note. The manager told her that he would have "went to bat for her" if she purchased a Toyota but because she bought a ****, she should "write a letter to **** and tell them you're injured." Yet, here we was trying to convince me to buy a used ****. I had asked him if this Jeep catches on fire, would he tell me the same thing, in which he couldn't reply. I decided to leave Stadium Toyota but wanted to share how terrible of a business approach it was from a money hungry manager. It was bad enough almost being caught in a car fire, but Stadium Toyota was hurtfully unprofessional and my girlfriend regrets ever doing business with them.

  Business Response

  Date: 06/19/2024

  Good afternoon Mr.Punch. It sounds as your girlfriend bought her car from Stadium Toyota **** That dealership was sold in October 2023. The new ownership is Gettel Stadium Toyota. Hope that helps, have a great day. 

• Initial Complaint

  Date:05/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased a used 2021 Camry after sending in insurance info Adonis (my salesperson) let me know they SOLD my paid in full car. My father and I paid $11500 in cash and financed $7500 plus my trade in. The manager we spoke to (believe this first one was ****) said hed give me a 2024 Camry for same price plus an extra approximately $1989 for the misunderstanding. I went in to pick out new car and was sent to financing (even though I already paid in full for car). The finance ***************** went over warranty options to which he would not let me decline. Left dealership after 5 hours with the new Camry but NO paperwork. Was told it would be emailed to me, STILL have NOT received any paperwork from them. I finally logged into my Toyota financing and loan amount is listed as $21000 not the $7500 + the extra approximately $1989, somewhere in the transaction they also gave me a $500 student discount. When my father called to find out why he was told I agreed to $8003 in warranties. He and I went back to them to have them take off all extras I did not agree to and was told theyd file it with the financing company. They still have not taken care of this as the loan is still listed as $21000.My father called corporate and financing with my permission last week and after 2 hours was told it would be taken care of.It is still not resolved! I have no new documents only for the used car I originally bought. We spoke to ******************** and then ****** was the manager on duty the day I went to get new car. NO ONE AT DEALERSHIP WILL HELP ME!

  Business Response

  Date: 06/06/2024

  Hello ********************* ,

  I am really sorry you had such a difficult time getting in touch with someone to get this handled. I have canceled your warranties and included a pdf showing the cancellations. I hope this resolved the issue and again my sincerest apologies for the delay. Please let me know if there was anything else I can help with. Thank you for your time and hope you have a wonderful day,

                                                                                                                                                                              ********** **********************  GSM

                                                                                                                                                              

  Customer Answer

  Date: 06/11/2024

   
  Complaint: 21772466
  
  I am rejecting this response because:

  I fully paid for the original pre owned 2021 camry that I was buying. I gave you ****** and my ***** trade in, and signed an agreement to finance *****. My loan is now ******. That is double what we agreed on, since you sold a car I already had insured and paid for. You also did not remove the environmental protection package for *****, please have that taken off also. I still do not have any paperwork at all, or a bill of sale. Please send that over as soon as possible. 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 07/17/2024

  The original 2021 vehicle mentioned was sold to another client. The funds for this purchase, wired on behalf of ********************** by her father, along with her trade-in, were applied to the purchase of a 2024 Toyota Camry. ********************** initially opted to purchase several protection products. Enclosed are the contracts for each of these products, as well as the purchase contract for the vehicle and the protection products. Subsequently, ********************** decided to cancel these protection products. Please find the cancellation attached.

• Initial Complaint

  Date:05/03/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was texted a special deal from Gettel Stadium Toyota for an oil change and free windshield wipes for $19.99. I accepted the offer and scheduled an appointment with the employee who texted me. When I arrived for my appointment, I presented the $19.99 offer but was then told my total would be $43.04. I believe this to be a classic bait and switch scenario. I later corresponded with the same text number and told them I would like a refund for the excess amount. The employee first ignored me and then refused to assist. Very disappointed in this as I have been texted offers before and Stadium Toyota has honored them.

  Business Response

  Date: 05/07/2024

  Tell us why here...ear ********************,
  I hope this message finds you well. I am writing to follow up on the voicemail I left you and to express my sincerest apologies for the unsatisfactory experience you encountered with our service department. Your feedback is invaluable to us, and we deeply regret any inconvenience or frustration this may have caused you.
  We understand that our service fell short of your expectations, and for that, we take full responsibility. Our goal is to provide a seamless and reliable experience for all our customers, and we are disappointed that we did not meet that standard in your case.
  As a gesture of our commitment to your satisfaction and to make amends for the inconvenience you experienced, we would like to offer you a full refund for your last service in the amount of $43.04 and also would like to offer you your next oil change on us . You should see the refund in the form of a check that will be mailed to your address on file which is as follows, ***************************************
  Additionally, we are taking immediate action to address the issues that led to your dissatisfaction. Our team is reviewing our processes and implementing measures to ensure that similar incidents do not occur in the future.
  Your satisfaction is of the utmost importance to us, and we want to regain your trust in our service. If you have any further concerns or if there is anything else we can do to make this right for you, please do not hesitate to reach out to us directly at ***********************.
  Once again, I apologize for the inconvenience and thank you for bringing this matter to our attention.
  
  

  Customer Answer

  Date: 05/18/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  

  However, it is 5/18/24 and I have still not received the check in the mail. I will reopen this claim if I dont receive it in one week  thanks

  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:03/27/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  During the month of September 2023, I got in contact with Gettel Stadium Toyota on ******************* due to my interest in buying a 2024 GR86 TRUENO Edition model car. I was later contacted by text message by a sales representative by the name of ********************* from the dealership. After some discussion, I decided to make a deposit for the car in the hope that if the dealership obtains this model, I can purchase it. When making this deposit, I made sure to ask **************** if, in the event that something happens, I can get my deposit back. It was stated that there are "no strings attached." I made my deposit on October 8th.Some months passed and circumstances changed, and I am no longer interested in buying the car model. I contacted **************** again through a message on March 2nd and received a response back on March 5th from someone else named *****, who was a sales assistant. After our discussion, she stated that she would have a sales consultant follow up. Shortly after, I received a message on March 6th stating, "I'll get it taken care of for you. It'll be sent back to you in a check."I waited for two weeks, and on March 21st, **************** informed me that the car model I wanted was on the way. Once again, I informed him that I was not interested. I called on Sunday, March 25th, to inquire about the status of my refund of the deposit, only to find out that there was no status on it. I went to the dealership the same day and spoke to a representative, who stated that he would help me once **************** was back in the office on Monday.Monday came along, and I did not receive a call. I decided to call in, but every time my call was directed, I kept getting hung up on or sent to voicemail. It seems like the dealership is making it hard for me to get my deposit back and has no intention to truly help.

  Business Response

  Date: 04/19/2024

  Good afternoon ****************,  

           First let me apologize that this took a little longer than expected. Thank you for responding to me yesterday. Your check was mailed out 4/18/24 to the address you provided us. Thank you again for your understanding in this                 matter. 

                    ********** Rocky *******************

  Customer Answer

  Date: 04/22/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:03/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Alleged Identity ******************* of aggravated identity theft under 18 U.S.C. 1028A. I am claiming that they knowingly transferred, possessed, or used your identification without lawful authority.Demand for Compensation: I am demanding compensation for the damages I suffered as a result of their violation. I am willing to settle for $3,000 within ten days. If they fail to comply, I threaten to pursue greater damages through legal action.Payment Instructions: I provided instructions for payment, requesting that they send the $3,000 via certified funds to my address in *****, *******.In essence, the company accessed my credit report without proper authorization, which is a serious violation of your privacy rights under the ***** I notice outlines the legal consequences they may face for their actions and demands compensation for the harm caused.

  Business Response

  Date: 03/11/2024

  Dear ****************,

  We are in receipt of your recent communication regarding the allegations of identity theft and unauthorized access to your credit report. We take such claims with utmost seriousness and would like to address your concerns directly.
  As per our records, you visited Gettel Stadium Toyota on January 26th to explore the possibility of purchasing a 2024 Toyota Camry. During this visit, our sales coordinator provided you with a complete itemization of costs and, as is customary in the process of vehicle purchase, you provided your credit information with the intent of securing financing for this potential purchase.

  We understand that your financing application was unfortunately unsuccessful. However, please be assured that the collection and use of your credit information were conducted solely for this purpose and in accordance with standard dealership practices and legal requirements, including those stipulated by the Fair Credit Reporting Act (FCRA).

  We are committed to maintaining the highest standards of customer privacy and data security.

  Thank you for bringing this matter to our attention.

  Sincerely,

  Rocky **************

  General Sales Manager

  Gettel Stadium Toyota

  Customer Answer

  Date: 03/14/2024

   
  Complaint: 21409742
  
  I am rejecting this response because:
  

  Dear Mr. ************************ you for your prompt response regarding my recent communication regarding the unauthorized access to my credit report. While I appreciate your attempt to clarify the situation, I must respectfully disagree with your assertions.
  During my visit to Gettel Stadium Toyota on January 26th, I indeed provided my credit information with the intention of securing financing for a potential purchase of a 2024 Toyota Camry.

  However, I specifically authorized the dealership to run my credit report only once for this purpose.
  Contrary to my authorization, it has come to my attention that my credit report was accessed three times by your dealership. This excessive and unauthorized access is a clear violation of the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681b(a)(3)(F)(i), which stipulates that consumer credit reports may only be obtained for a permissible purpose and with the consumer's consent.
  

  The fact that my credit report was accessed multiple times without my explicit authorization demonstrates a blatant disregard for both my privacy rights and the legal requirements outlined by the ***** Each unauthorized access constitutes a separate violation of the law and has resulted in unnecessary inquiries on my credit report, which  impacted my credit score.
  

  I must insist that you rectify this situation immediately by providing documentation of the multiple credit inquiries made by Gettel Stadium Toyota and taking appropriate steps to ensure that any negative effects on my credit report are mitigated. Additionally, I expect compensation for the damages incurred as a result of these violations.
  I trust that you will address this matter with the seriousness it deserves and take prompt action to remedy the situation.

  Sincerely,
  
  *************************

  Business Response

  Date: 03/18/2024

  Dear ****************,

  Thank you for your response and acknowledgement of providing your credit information with the intent of making a purchase. Dealerships utilize indirect lending. With indirect lending, or dealer arranged financing, the dealer, rather than the consumer,selects the lender that will provide financing. Upon completion of the vehicle selection process, the dealer collects the consumers credit application information and forwards that information to one or more lenders using a standardized platform, such as DealerTrack,RouteOne, or ************ Direct Lending (CUDL). After receiving a credit decision, the dealer will then finalize a retail installment sales contract with the consumer and subsequently sell that contract to the lender that provided the dealer with an approved credit decision. The lender will then own and service the loan or transfer those rights and responsibilities to another company.

  Regrettably, after reviewing your credit application and credit score, we are unable to secure financing for your intended purchase of the Camry.

  I understand and acknowledge your concerns regarding the multiple credit inquiries that have been made. According to Experian, it is a standard procedure for auto dealerships to forward your credit information to various lenders when seeking the most advantageous interest rates and loan conditions. This strategy, also prevalent in mortgage lending, benefits you by instigating competition among lenders for your business. Each review of your credit report by a lender is recorded as an inquiry, detailing the accessing party and the purpose of access. Experian maintains a record of each inquiry on your credit file for a two-year duration, ensuring a comprehensive history of access to your credit information. However, it is important to note that for the purposes of credit scoring, multiple inquiries for car loans or mortgages conducted within a brief period are consolidated and counted as a single inquiry. This consolidation, typically applied to inquiries made within a 14-day window (sometimes longer), is reflective of the understanding that multiple applications within a short time frame are indicative of rate shopping rather than intent to acquire multiple assets. Consequently, this practice allows for thorough rate comparison without adversely affecting your credit scores. Nevertheless, each individual inquiry will still be listed on your credit report, providing a full account of access.

  For further details, please refer to Experian's guidance on this subject: Experian Article on Multiple Inquiries When Shopping for a Car Loan.

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

   

  Customer Answer

  Date: 03/20/2024

   
  Complaint: 21409742
  
  I am rejecting this response because:
  Dear Mr. ***** ****,
  
  Your explanation of the credit inquiry process, particularly regarding the consolidation of inquiries for rate shopping purposes, is duly noted. However, it's important to emphasize that I did not consent to my credit information being accessed by multiple parties in this manner. While Experian's guidance may outline industry practices, it does not absolve the dealership from obtaining proper authorization before initiating multiple credit inquiries.
  
  In reference to the ************************************ (CFPB), it's essential to highlight that the dealership's actions is in violate Section 1026.17(a)(1) of Regulation Z, also known as the Truth in Lending Act (TILA). This regulation states that creditors must obtain a consumer's consent before obtaining a credit report for the purpose of extending credit. By initiating multiple credit inquiries without explicit consent, your dealership is in violation of TILA.
  
  Moreover, the dealership's actions also  breaches the Fair Credit Reporting Act (FCRA), particularly 15 U.S.C. 1681b(a)(3)(F)(i), which prohibits the unauthorized access of consumer credit reports. The case of "******** v. Experian Information ********** ***** (2012) further supports the importance of obtaining consumer consent before accessing credit reports. In this case, the court ruled in favor of the plaintiff, emphasizing the need for explicit authorization for credit inquiries.
  
  Therefore, while I appreciate your explanation of the steps taken to secure financing, I must reiterate my objection to the unauthorized access of my credit report by multiple lenders. It is imperative that your dealership takes responsibility for its actions and ensures compliance with federal regulations designed to protect consumers' rights and privacy.
  
  Additionally, I demand a copy of any documentation where I did consented to having my credit report pulled one times. Furthermore, I insist on receiving the $3,000 compensation for this violation. Please send the compensation to the following address:
  
  ****** *************************
  *************************************************************************************************
  
  Failure to address these concerns promptly will leave me with no choice but to escalate this matter to a Federal district court.
  I eagerly await your response and a satisfactory resolution to this matter.
  

   Sincerely,
  
  *************************