I went into Future Nissan and was very hesitant to purchase a car there as they had previously ruined my credit through excessive credit inquiries. I explained to everyone I came into contact with that I only wished to finance through my credit union, Golden 1, and would go directly to them if Future Nissan could not guarantee that only one inquiry would be placed on my credit. Bill Zupo and Adam Maatoug both offered their personal promise that only one inquiry would be placed on my credit. These statements were witnessed by a co-worker of mine, who was present at the time. I purchased the car and signed the documents. I was told in the closing document office that I was approved by Golden 1 credit union at 4.99%, which is the rate I signed in my loan documents.
The following day, I woke up and checked my credit report. I was shocked to find five credit inquiries had been placed on my credit (so far, more may follow). I was informed upon inquiring that Golden 1 had rejected my application. The day was consumed by me going to the dealership and pleading my case, to no avail. When I asked Bill Garner last night what would happen if financing never worked out with Golden 1, he said they would continue to "shop" my credit until they found a loan at 4.99% for me, or they would pay the difference in interest. When I asked, "even though you all promised and verbally agreed to only run one inquiry and knew that I would only finance through Golden 1?". He responded, "Yes, we will continue to run inquiries until we get a loan." Bill Garner also refused to cancel the contract, despite Adrian Oliphant informing me that he has the power and control to do so.
I want Future Nissan to remove the unauthorized credit inquiries from my report. I also want them to take the car back they sold me under false pretenses.
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