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  • Report:  #1512132

Complaint Review: Bradshaw Automotive Greer SC - Greer South Carolina

Reported By:
Kyle - Ware Shoals, United States
Submitted:
Updated:

Bradshaw Automotive Greer SC
14000 East Wade Hampton Blvd Greer, 29651 South Carolina, United States
Phone:
8648797111
Web:
www.bradshawgreer.com
Tell us has your experience with this business or person been good? What's this?
Report Attachments
Receipt for Unauthorized and Unnecessary Repairs

My daughter and her husband went to Bradshaw Automotive in Greer and was trading a car in. They were unable to get the car financed. They called me and I told Randy the salesman that I had a credit score over 800 and I would be financing the car with my bank. He told me that he could get my son in law approved if my name was added and the interest rate would be 10%. I told him that I could get an interest rate under 3%.

He said that if I added my name, it would not affect my credit rating and it would improve my son in law credit score. They disapproved the loan (never notified me). I received the notification letter 6 days later. After receiving the denail letter I contacted the General Manger, Jeff and told him that I would be returning the car in 2 days. He called me and told me that he would not accept th car back. I told him that I am requesting arbitration.

He told me that the only way I could have arbitrations was to hire an attorney. This is of course incorrect. Then AFTER I had requested arbitration, he sent the car taht was originally going to be traded in and did $1,112.74 worth of repairs that WERE NOT NEEDED. He then told me that I would have to pay for these repairs and inspections in order to void the deal. We have tires taht were in great shape yet he replaced these tires and refused to give our tires back to us.

All parts that they claimed to replace, they supposedly threw away teh original parts so we had no opportunity to inspect these parts. He also told us that the new tires had a warranty but he was having troubl eloacting the documentation and taht he would email the warranty to us. I had no choice butto pay $1,112.74 that I was being blackmailed into paying. In addition to failing to comply with both state and federal regulations he also failed under the Federal Trade Commission Act by not giving me any of the documentation (loan papers and sale contract) and he failed to give me the required Buyers Protection documents.

This company also did not give me a key to the car that I bought. The company is also guilty oftrying to steer their customers to certain lenders (instead of allowing customers to use their own). In this company is not receiving some form of compensation on each of these transactions, there would be no need to steer these customers away fom their own banks to use the lending companies this business wants you to use. In summary these are the violations of state and federal laws that this company did on this one transaction (how many other customers are they doing the same thing to):

1. Running credit report BEFORE getting customer authorization. Ramn credit report multiple times to try and LOWER customer credit score.

2. Steering customers to use their banks verses allowing customers to use their own banks.

3. Failed to notify customer that loan was denied (with credit score of 833).

4. Did unauthorized and unapproved repairs that were unnecessary after being notified that customer requested arbitration to resolve difference.

5. Refuse to give repaired parts back to customer.

6. Refused to give customer back their tires (that were in excellent shape and did not need to be replaced. Told customer, new tires had a warranty when they knew that there was no warranty.

7. Failed to give customer a copy of the sale papers and financial documents.

8. Failed to give customer BUYERS RIGHT PACKAGE.

9. Failed to give customer a key to car.

10. Cocered customer (blackmailed) into paying for unnecessary and unwanted repairs in order to cancel this illegal contract.

I would not recommend anyone do business with any company that violates state and federal law as many times as this company did on this one transaction.

 



2 Updates & Rebuttals

Robert

Irvine,
California,
United States
Something is missing

#2Consumer Comment

Sun, February 20, 2022

It is hard to believe that you have an "833 Credit Score" and don't know the basics of financing and Co-Signing.

Your SIL obviously didn't have the Income or Credit Rating to be able to be financed for the car, and you likely did not either. There are as many different credit scores as there are grains of sand on a beach.  So first it would have to see what your score was based on. 

With some scoring models, an 833 would be nothing more than "fair".  If by chance it was a FICO score the only reason you would be denied with an 833 score, is if you really didn't have an 833 or you didn't have the income to pay for the car. Yes, if your SIL failed to make the payments you would be required and also take the hit for every late payment he made.

As if you could get approved for 3%, when they told you that you were denied why didn't you go to your Credit Union and get the 3% like you said you were original? That would have not only got you the lower rate but saved you from having to pay for the repairs on the other car.

And you can't say because they already did multiple inquiries. Credit Agencies know people "rate shop" for cars. So for auto financing, they treat multiple inquiries as one. With an 833 your score would not have dropped below 800, and in fact, if it was truly solid would likely not have dropped below 820...that is IF your credit is truly as solid as you think.

A company can "steer" you to whatever they want..they are trying to sell you something. But you as the consumer have the final say.  In the end, you chose not to go to your CU there is NOTHING illegal in what they did.


Flint

Rolla,
Afghanistan
Questions

#3Consumer Suggestion

Fri, December 10, 2021

Why did you insist on cancelling the deal, instead of simply financing the car in your name as you had originally intended?  Also, why do you say they forced you to use their lender?  From your report, it is abundantly clear that you agreed to finance the car through them, even though it was at an outrageously high subprime interest rate and you supposedly could get a loan at 3%.  And why exactly was the loan denied if your credit score is 800+ and you have the income to pay it?  Also, why were you co-signing on someone else's loan in the first place, as opposed to just buying the car for them?  You do realize that in the event of a default, you get to pay back the loan, but you don't get the car?

And I'm guessing the dealership didn't give your deadbeat relative a key to the car because they knew the loan was likely to get denied.  It's not exactly rocket science.  And what exactly do you mean "failed to give them the papers"?  Are you saying your relative signed a contract before reading a printed copy of it?  Maybe your family should stay away from car dealerships and other major financial transactions.

 

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