John's Garage

Complaint: ***
I am rejecting this response because: Any business associated with the Revdex.com and displays the Revdex.com logo knows that the logo is a link to information on the Revdex.com website about the companyThe Revdex.com logo on this companies website show up as just a .gif and does not link to the Revdex.com at allAlso when researching information for this Company on the Austin & Fort Worth Revdex.com Website there was no listing for this company, and no record that the company belonged to the Revdex.comIf the company does have a listing with the Revdex.com send me the link and I will stop my complaint, but everything I have looked at on *** does not link this company with the Revdex.com and therefore is advertising.
Regards,
*** ***

They sent me a rejection letter and now are approving me but only for the benefit of the Revdex.comThe email I just received for approval gave a higher payment than what I am paying nowEveryone knows that when you have multiple lenders hitting your credit report at the same time, it does decrease you score, I went down points, putting from fair to poor

Complaint: ***
I am rejecting this response because: the response in not pertinent to the complaintIf the company is not able to address whether or not it can serve prospective customers before a credit pull then the complaint is valid and should be made public so that consumers will see it if they check the Revdex.com site before doing business with the lender.
Regards,
*** ***

Again I am sorry we were unable to help. I am not sure why you were waiting days and going right to the end in "registering" your vehicle. States are slow and some are difficult. The savings in your loan opportunity was not $10,but a number 25% of that amount. Again there is nothing we can do since the approval expired and you had missed the deadline

Again I am sorry but multiple inquiries on your credit have no affect on your credit score as the bureaus know you are shopping. Here is an article from Experian but you can find others that state the same thing (***). You agreed to it when you applied with us on our website and there is "no history" of this as we help thousands of customers each month save on their auto loan. I am sorry we cannot help at this time

I am sorry for the confusion but this is a warning message on our application but doesnt prohibit you from completing an application We find out that people will often enter their "annual" income in the field for "monthly" income so when the number is greater than $25,per month we provide
the warning message that this might be an error However we never stop you from applying only reminding that you have entered a very large monthly income amount You dont need to lower your income just complete the application If you would have contacted us directly we could have resolved the matter quite easily and shouldnt have been a complaint Again we dont stop you from applying for this nor do we tell you what income should or should not be included in your application

Revdex.com:This is a bogus companyI can't count how many stories I have read illustrating fraudComplaint after complaintEnough with the liesYou never intended to help meIt was all just a scam to get my personal info
I have reviewed the response made by the business in reference to complaint ID 11596004, and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

I am rejecting this response because: As you admit in your response, you did not know what vehicle I wanted to refinance at the time you sent me the mailer. Yet it is IN THE MAILER that you affirmed that I was "PREQUALIFIED" for the loan. I don't dispute that I did not get the loan, I only dispute that after telling me I was PREQUALIFIED that you declined to make the loan. The language in your mailer is very misleading to the average recipient and should be changed. As I have previously stated, I would also like you to rescind the hard credit check(s) that were made in pursuit of this loan

I know that you think we should only have one bureau but we use all to find the best rates possible and in doing so we are lowering your rate by over 12% and saving you thousands of dollars. Our process uses multiple bureaus. Credit inquiries only account for small portion of your score. The biggest driver in your scores is paying on time and not over extending your credit. I am sorry but it feels like a really small cost to save thousands of dollars. We are still needing your VIN to continue the process so if you would contact us with that VIN we can move forward and lower your monthly car payment

Revdex.com:
The child support had been on my report for years nowI'm trying to get it removed because I am current in my child supportAlso I never gave you permission to forward my info on to other lendersNow because of you, I have multiple strikes against my credit
I have reviewed the response made by the business in reference to complaint ID 11596004, and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Once again your mailing list does NOT disclose this informationYour company misleads the consumer, you mail out letters that look like official government mail to bait the customer to look at it., than you do not identify that your a brokerage company(in writing) Once the customer goes online there is no UPFRONT CUSTOMER DISCLOSER, Your company hides it so customer(s) like me don't even see itBecause that is what you want otherwise you would be upfront about itbut you mislead customers so you can turn around and sell my information to your vendors. According to a Trans Union representative hard inquires do impact my credit historyI have been keeping all documents and tracking thisI have a A+ credit payment history., with a current car loan with no late paymentsI do not need your advise on how my credit worksI have been overwhelmed with emails, calls, and letters. YOUR COMPANY IS SCAMMING THE CONSUMER SO YOU CAN SELL THEIR PRIVATE INFORMATION TO YOUR 3rd PARTY VENDORS., even my current lender got your informationI WILL CONSULT AN ATTORNEY TO CONSIDER A CLASS ACTION LAWSUITI see I am not the only victim of your company's scamThe Revdex.com should reduce your credit rating to a F
Regards,
*** ***

I am sorry but we should have never mailed you Experian is supposed to knock out limited tradeline individuals If you will send a letter to *** *** ** ***, requesting the removal of the inquiry, we will have it removed Again I am sorry for the confusion

Ms***, I will reach out to the credit reporting agency and see if they will remove the inquiryThere is no guarantee they will but I will make an effort in an attempt to make you happy. The OpenRoad Lending Team

I am sorry that we were unable to offer the rate in the pre-qualification mailer but big items we dont have is how much income do you have on a monthly basis and what kind of vehicle you have From a credit perspective you are approved The reason your rate went up is your debt to
income is quite high which makes the risk higher We have still approved you at over percent less than what you are current paying today and can save you money each month But as matching the rate on the mailer you will notice there are disclaimers on the back which state we dont know the vehicle or your income so it is a pre-qualification from a credit perspective We can save you money

We have confirmed with our partners that no additional inquiries have been made and just for information, multiple inquiries in a day period have no affect on your credit score You can google your self or see this article by Experian http://www.experian.com/blogs/ask-experian/impact-on-credit-scores-of-inquiries-...⇄ I sorry that we were unable to help you at this time

Thank you for your emailI apologize for any inconvenience you have experienced with our companyBased on your application, it does appear that we have approved your loan saving you over $per month on your existing car loan payment and about $2,over the life of the loan. If there is
some miscommunication somewhere, please don't hesitate to reach back out to us at 888-536-and ask for BrittanyIt looks like you have been in constant contact with her since you applied.Regards,The OpenRoad Lending Team

I am sorry we were unable to help. You had applied on 3/9/and the approval was good for days. We contacted you on 3/to explain the loan requirements and convey the urgency (as we do with all customers) to complete the process as as soon as possible. We had numerous
conversations with her about must get it registered with the time frame and unfortunately the customer fell ill right at the end of the process. We have no ability to extend as the loan expired. When we repulled credit to reapprove, the customers credit had changed and was no longer able to help her. *** might have said it could be done, but I also have conversations where she conveys that it must be done over and over by a certain date. The customer had days to complete the original process and waited until day to complete some of the tasks and sometimes they might take some time or not go as smooth as planned. Again I am sorry we cannot help at this time

Openroad lending is a phony company and a bunch of scammersThey will continue to lie until they run out of customers to deceive!!!

I am sorry you feel that way but we wish everyone we mail to would convert into a funded loan . We do help thousands of customers each month and 98% of our revenue is generated from loans not like you surmise. If we cant help consumers then we offer other lenders who can. I am sorry for your poor experience

I take personal offense to the response of the business. To say that I could "make this up" is just an excuse the business is trying to use. The and my tax return are official state and national documents. I also told them on numerous occasions that I can get a letter from my accountant as well. Since when is a and tax returns not good enough. I have dealt with different finance companies in the past and the and tax return was ALWAYS good enough for them. What Openroad Lending is doing is called Deceptive Business Practices which last I checked was illegal. My proof to that is below. The e-mail below is what they sent me saying "Congratulations - Your Refinance has been Apporoved". So let me get this straight, I was approved but really I was not? I know they will come back and state that the e-mail says "All approvals are subject to terms and conditions" but if you look at the e-mail, there are no links or descriptions of what those terms and conditions are. They don't even tell you where you can get these so called "terms and conditions". If this is not the definition of deceptive business practices than I don't know what is. I want this removed from my credit report and my original documents returned to me. This company is a scam and I do plan on filing a complaint with the District Attorney's Office of the State of Texas and will be contacting an attorney about a possible lawsuit against this company. I would also like an explanation on how this company can have an A+ rating with Revdex.com when they have so many complaints against this company. I should have gone with my gut feeling from the beginning when I saw all the bad reviews on various websites