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Discussion Starter #1
Basically I was pricing some bikes and they accidentally opened a card under my name. This means they dinged my credit.

I closed the card with capital one and notified the dealer, he seemed pretty nervous about this happening.

I wonder how many blackmail brownie points I can rack in from this little occurrence :angel2:
 

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Holy Crap! That is ridiculous! You should be able to get them to walk across hot ashes for that!
 
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You mean they ran your credit? You can't have this happen unless you've signed a specific application for a Capitol One credit card or revolving credit account; just signing a basic credit application does not authorize an account to be opened. Maybe the fine print? This is very serious if it was done without your consent and to be frank, I would not deal with this agency any longer. I can assure you Capitol One would not want this to happen.
 

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Discussion Starter #5
I have never signed anything in person, the only thing I did was give them my info online- and here is the statement they make you read before filling it out:

print
Team Mancuso PowerSports Southwest is committed to adhering to privacy principles and requirements in compliance with all applicable laws. It is our policy to safeguard all individually identifiable information entrusted to us. Use of this information enables us to provide you with superior customer service and offer products, programs, and services that may be of interest to you. We have developed this privacy notice to explain to you our practices regarding individually identifiable information.

What information does this privacy notice cover?
This Privacy Notice applies to the practices of Team Mancuso PowerSports Southwest, with respect to the individually identifiable information we collect about you in connection with assisting you in obtaining financing when you use the finance application on our web site.

What information do we collect when applying online for vehicle financing/pre-approved credit?
If you choose to submit an application to Team Mancuso PowerSports Southwest for pre-approved credit, we will need specific personally identifiable information to assist you in obtaining financing. To process your requests for financing, we collect individually identifiable information that may include: name, address, e-mail address, telephone number, fax number and Social Security number. In addition, we collect credit-related data, such as information you provide on our loan applications or other forms (including assets, income, etc.), and information we receive from consumer reporting agencies. This information will be provided to select third party lenders or financial institutions in an attempt to assist you in securing credit.

How do we use the information we collect about you?
Our goal is to effectively manage your entire relationship with us, our service providers, and finance companies. To this end, we may use information about you to fulfill your requests for financing, special factory programs and related services; to respond to your inquiries about our offerings; and to offer you other products, programs, or services that we believe may be of interest to you.
We sometimes use this information to communicate with you, such as to contact you about your loan account with us or to provide you with important product or service information.
We will share the information we collect about you with outside companies that offer financing, e.g., vendors assisting us with servicing your accounts and products.
There may be instances where we will disclose individually identifiable information as permitted by law, including, but not limited to, a response to a court order or subpoena to prevent fraud, to comply with law, and to comply with a legally permitted inquiry by a government agency.
Additionally, in the event that all or any part of our dealership is sold to a third party, we may transfer individually identifiable information to the third party buyer as part of the assets of the business.

How do we protect and secure our customer information?
We maintain appropriate physical, electronic, and procedural safeguards that comply with federal regulations to guard your individually identifiable information. For example, we utilize segregation of duties, passwords, and have in place a detailed suite of policies covering various aspects of customer information protection. Our employees have access to customer information for authorized business purposes only and such access is based on the sensitivity of the information and our employee's need to know. Our web site databases are all secured using the latest encryption technology.

How can you correct inaccuracies in your information?
You can review and correct factual errors in your individually identifiable information that is maintained in our computer systems, and that we retrieve during the ordinary course of business. To do so, simply send a written request to us at the address indicated on our web site. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.

How does this privacy notice relate to your online interaction with us?
Most of your online interaction with us will be through our Finance Application Web pages that are part of our larger Web site. This privacy notice applies only to your interaction with us using the online Finance Application on our Web Site. It does not apply to your interaction with any other part of the Team Mancuso PowerSports Southwest Web site. In addition, the protection of your information may not be assured when you communicate with us via e-mail as others outside of our dealership may gain access to it without proper authorization.

Do We Use Cookies Online?
Our site uses a standard Web browser feature or Internet http header (known as "cookies") throughout our Web pages to assist us in improving your Web experience. Cookies, by themselves, do not provide individually identifiable information unless you choose to provide this information by, for example, registering with us. Once you choose to furnish us with individually identifiable information, this information may be linked to the data stored in the cookie.
We use cookies to understand the usage of our Web pages and to improve their content and offerings. We may use cookies to save your password in password-protected areas, or enable you to use shopping carts.

What happens when you leave our Web pages to go to other Web pages?
To improve your Web experience, and to offer you products in which you might be interested, we may provide links to other third-party sites. Because we do not control these sites, you are encouraged to review their individual privacy notices.

What happens if I am no longer a customer of Team Mancuso PowerSports Southwest?
If you end your customer relationship with us or become an inactive customer, we will continue to treat the information we have about you consistent with this Privacy Notice.
 

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Discussion Starter #6
They had this in the end of the application though:

Entering your name below constitutes your signature, and confirms that:
1.
You are submitting this Application for the purpose of applying for a loan and affirms that the information furnished in this Application is true, complete, and correct.
2.
You authorize us to request consumer reports from consumer-reporting agencies and information from credit references and other sources disclosed by you in considering this Application and subsequently in order to update, review, renew, extend, or collect the credit we approve. Upon your request, we will inform you of the name and address of each consumer-reporting agency from which we obtained a consumer report on you.
3.
Married applicants may apply for an individual loan.
4.
You represent that this loan will be used only for personal, family or household purposes.
Typing your name below constitutes your signature and authorizes the processing of your Application.
 

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I was with BMW automobiles, and if someone submitted a credit application, then BMW would PRE-APPROVE them for a credit card, which is a big difference from actually opening an account.
 
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"You are submitting this Application for the purpose of applying for a loan..."

Application process and approval are not the same thing as a credit contract. It's a separate contract altogether. Credit app is not a contract, you are just giving permission for them to assess your creditworthiness. Credit contract comes later.
 

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Discussion Starter #9
"You are submitting this Application for the purpose of applying for a loan..."

Application process and approval are not the same thing as a credit contract. It's a separate contract altogether. Credit app is not a contract, you are just giving permission for them to assess your creditworthiness. Credit contract comes later.
Basically the only thing I can really do is take it to court- and then I doubt I'd get anything. Nobody at the dealer wants to talk to me because they knew they screwed up and think I'm just stirring shit up. I'm at a loss.
 
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Basically the only thing I can really do is take it to court- and then I doubt I'd get anything. Nobody at the dealer wants to talk to me because they knew they screwed up and think I'm just stirring shit up. I'm at a loss.
There is no case. Someone made a mistake. You cancelled the account and the incident is over, case closed. No one owes you any money, you were not what the law would see as damaged financially, so forget it and find another dealer. You learned something about that agency though...I would not do business with them again if it were me.:cool:
 
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Basically I was pricing some bikes and they accidentally opened a card under my name. This means they dinged my credit.
It's doubtful this had any effect on your credit at all, especially if you closed the account straightaway. Sometimes just an inquiry will cause one's credit score to drop a tiny bit but if you closed the account so that there is no available credit line it should not affect your credit.;)
 

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Get anything? Did they take anything to warrant you getting anything monetary. It was a bad mistake. That's all.
 

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I am not sure of the issue if you were going to be buying through them. When I bought my kawasaki I was issued a credit card with it. My loan was basically a low interest credit card.
 

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Discussion Starter #15
I am not sure of the issue if you were going to be buying through them. When I bought my kawasaki I was issued a credit card with it. My loan was basically a low interest credit card.
The issue is I never asked them to open a card for me. Also not only did they open the card, but they opened a card that won't even cover the purchase price of the bike.
 

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Tough to prove your damages on that one.

Weird that they're ignoring you, if I worked there, I'd offer 10% off on something, not as an admission of guilt, but because "somebody" "somewhere" hit a few wrong buttons.... I'd work to make it right. Well, right-ish.
 

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If it's a "hard inquiry" to your credit, then it'll drop you a few points. (or more, depending on other factors) i use www.creditkarma.com it's a free service, and they will check your credit ratings once a month, and show you what areas are hurting/helping your credit score.
 
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