2 /5 Mozzy Wrighter: I came in with inquiries about an old account that had closed, obtaining membership, opening a credit line and possible refinancing options for my vehicle. From the very beginning I expressed my awareness to this guy about hard checks and soft checks and what some of my goals were in the future. I entered with a 792 FICO 9 score that Ive worked incredibly hard for. Initially I was going to apply for a credit card. I was asking several questions and he was being very assumptive and disengaged with handling my potential financial future. He spoke to me as if my questions were irrelevant and pestering. I only want clarity. He informed me that applying for a credit card and account with you all would only be a soft check. I said okay thats fine and we can go ahead. I expressed that I would also be interested in refinancing my vehicle and he said it wouldnt matter if I had a credit account with you all first and its best to just apply for refinancing instead of getting a card and membership first. Membership or credit history would not have any weight in this route. Refinancing is not my only priority. I agreed to do the refinancing application as well. After changing the plans, he did not tell me this would be a hard check on my credit. He was fully aware of the value I hold on my score and how mindful I am what is happening to it. Afterwards, he tells me based on the value of the vehicle and my remaining loan being higher than the value, I would need to pay down the difference because they would base it on the value and not my balance. I do not understand why he could not have expressed this to me beforehand before doing the hard check and application. I provided him all of this information before the check and the value is openly available on the internet. (Would have been good to know beforehand, right?) I was inquisitive about what would be the best terms for me as well as the value and mileage. I would not have went forward had he told me any of this on the front end, yet it gets communicated to me AFTER a hard check has been added to my report. The communication was poor. His attitude towards my efforts in protecting my financial future was poor and the negligence to inform me of the basic needs and operations for these processes feels intentional and deliberate. I was so enraged at this underhanded behavior that I left without getting his name. It is a White male with brown hair and glasses and a gold wedding ring from his husband
He was in an office on the right side at the Jonesboro location. Im furious and this is unacceptable and not the standard to which I know this organization wants to represent. TERRIBLE CUSTOMER SERVICE
