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Report: #273440

Complaint Review: Bill Heard Chevrolet - Scottsdale Arizona

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  • Reported By: Scottsdale Arizona
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  • Bill Heard Chevrolet 7224 E. McDowell Rd. Scottsdale, Arizona U.S.A.

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I purchased a new Chevy truck for cash from Bill Heard Chevrolet. They claimed they needed my social security number for homeland security. After checking with the Government I found that this was not true. They did access my credit report pfishing for more information so that they could get more of my money. Additionally, the truck arrived with seven hundred more miles on it than when I bought it, they did not provide the goods and service extras they claimed during the sales before close, and claimed that people in their operation would be fired if I did not list "completely satisfied" on their customer report. After telling them I was going to followup with the Federal Government on the Social Security number/homeland security scam they quickly "unwound" the deal. I did, however, have to purchase outside insurance to protect my identity and credit informaton from them.

Bd
Scottsdale, Arizona
U.S.A.

This report was posted on Ripoff Report on 09/09/2007 10:02 AM and is a permanent record located here: https://www.ripoffreport.com/reports/bill-heard-chevrolet/scottsdale-arizona-85257/bill-heard-chevrolet-scam-required-access-to-social-security-number-on-cash-deal-claiming-273440. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
15Consumer
0Employee/Owner

#15 Consumer Suggestion

CASH SALES MUST BE REPORTED BY LAW

AUTHOR: Dg Whitman - (U.S.A.)

POSTED: Saturday, July 19, 2008

In your complaint you state you paid cash for your vehicle and that the business asked for your SSN. If you paid for the vehicle in full with a check from your bank, the employees were confused as to the definition of cash. If you ever have to sit through the IRS Cash Transaction training video, you would understand why they may have been confused. If you paid with paper money or if you paid with two cashiers checks from different banks, then any business is obligated by law to report your sale to the IRS.

A business must report cash sales of $10,000 or more to the IRS and on the form it asks for the customer's SSN. The business will be fined for non-compliance if they do not have your SSN on the form. This law was a response to illegal activities involving mostly drug sales and these people trying to get rid of all their money and has been in force for quite some time. Yes, it is not fair when a law abiding citizen has to go through all the hulabaloo because of drug dealers and terriosts, but that is the world we have to try to function in nowadays.

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#14 Consumer Comment

Last car purchase in AZ was truly a nightmare

AUTHOR: Lee Ving - (U.S.A.)

POSTED: Saturday, February 16, 2008

I hate stepping foot onto a scumbag dealer's premises. I typically:

1. Call the crapbag's fleet department on the phone.
2. Tell them what I want, and what I'll pay
3. Let them counter
4. Accept or reject the counter
5. Tell them the payment terms and conditions (cash, no SSN check)
6. They can either take it or leave it.

Last year, three dealers accepted my verbal terms, and then when I got to dealership to do the paperwork, demanded my SSN under the guise of the PAtriot Act, claiming they had to do a credit check to fulfill the terms of the Patriot Act.

I told them they were outright liars. They told me I was a disgrace. I GOT UP AND WALKED.

What a freakin laugh, these scum of the earth only care about ripping you off.

No trade, no financing makes for a very bad deal for your friendly dealer. They are only running your credit to browbeat and con you into DEALER FINANCING.

NEVER, EVER FINANCE AT A DEALER.

No matter how good it looks.

The sole reason for getting your SSN and running credit is to benefit the dealer, not you, or Homeland Security.

So take it from Lee Ving, run don't walk from these 'True Blue' patriots.

The only color they care about is GREEN.

Do not be intimidated

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#13 Consumer Suggestion

Seems like we are missing the real point here.

AUTHOR: Steve - (U.S.A.)

POSTED: Saturday, February 16, 2008

Disclosing your SS# to someone to report a cash transaction over $10,000, DOES NOT constitute permission to pull someones credit.

The OP said that the dealership pulled his credit. This was in violation of the law unless they had a specific authorization signed to do so.

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#12 Consumer Suggestion

Tell them the deal is off and see what happens

AUTHOR: Larry - (U.S.A.)

POSTED: Friday, February 15, 2008

Funny how the dealer says he is collecting this information for the government. Kind of like a TV preacher who asks me to send my money to God in care of the preacher. If the government wants the info, let them ask you directly.

I wonder what would have happened if you said, "Gee, I don't want to give you that information so I guess I cannot buy the vehicle. I'll take my money and leave so you don't get in trouble." I'll bet the "law" would change rather quickly.

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#11 Consumer Comment

Yes, Lee; you raise a valid point.......

AUTHOR: Adolph - (U.S.A.)

POSTED: Friday, February 15, 2008

When the average buyer leaves the "We tote your note", "Buy here-pay here", "All credit apps. accepted" (meaning they're ALWAYS free to REJECT them) type "bruised credik...errr...credit" type dealers with a in-house financed car, one fact nearly always follows. After all the flim-flam warranty, "doc fee", and vague payment completion details are transparent and deliberately misleading and confusing, the buyer hasn't a clue just what he's obligated to pay for the car.
.
You're correct. These dealers by the THOUSANDS are not interested in cash byers. In the sale with a cash buyer, their methods of severely overpricing the usual run-hard-putaway-wet auction pieces they're marketing are rendered useless. I truly pity the motorists driving around displaying a sticker from one of the many distressed credit type dealer used car dealers. Geez! Peel off those stickers that disclose your poor credit rating, will 'ya?

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#10 Consumer Comment

Car Dealers are true blue patriots

AUTHOR: Lee Ving - (U.S.A.)

POSTED: Thursday, February 14, 2008

Scumbag dealers hate it when you purchase a car with cash and no trade. They have nowhere to bury the numbers.

So, they now perversely and incorrectly use the Patriot Act as an excuse to get your SSN to run your credit, and then try to con you into financing with them.

As we know, car dealers are certainly a patriotic bunch. And to prove it, they'll stay open until midnight on Presidents Day.

You only need two things to purchase a car without the dealer's financing, and that is your valid drivers license and proof of valid insurance.

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#9 Consumer Comment

A whole lotta' smoke being blown up peoples....errr....you know what, around here!

AUTHOR: Adolph - (U.S.A.)

POSTED: Thursday, February 14, 2008

I have, since 1989 (and even earlier) purchased various new and used automobiles, motorhomes, a couple of motorcycles, many of which were 'way over $10K. I have NEVER been asked for my SSN, or for that matter, ANY personal information.
.
These purchases were accomplished by means of bank checks from banks in which I had funds. It would be my guess any legitimate information requests to which these people allude are related to securing loans (financing).
.
The only wild card is the car dealers. They're capable and more than willing of doing anything legally or illegally that serves their interests. ....and at the detriment of the customer with their usual cavalier attitude, I might add.

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#8 Consumer Comment

That's odd

AUTHOR: Lee Ving - (U.S.A.)

POSTED: Thursday, February 14, 2008

I bought my last vehicle at Right because they were the only dealer that DIDN'T make me give them an SSN for a cash deal.

Arizona dealers are the sleaziest in country.

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#7 Consumer Comment

They all do it

AUTHOR: Jo - (U.S.A.)

POSTED: Thursday, February 14, 2008

My husband bought a truck at Right Toyota paid in full by check but when he completed the forms to add both him and me to the title - yea you guessed it they needed our socials, I refused and was told it was the law.

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#6 Consumer Comment

Was this a "REAL" cash transaction, or a certified bank check transaction?

AUTHOR: Thomas - (U.S.A.)

POSTED: Thursday, February 14, 2008

How many people walk around with $10,000 in CASH [BILLS] in their pocket?

I bought a new car 13 months ago for "cash" but that "cash" was actually conveyed by a certified bank (tellers') check drawn against my bank account. I just reviewed my paperwork and no SSN was required.

When I did move a substantial amount of money from one bank to another bank I did have to provide my "reasons". This was just another stupid exercise.

So I do not buy the aledged requirement for an SSN .

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#5 Consumer Comment

Cash Transactions Must Be Reported

AUTHOR: Tjtooth - (U.S.A.)

POSTED: Thursday, February 14, 2008

Homeland Security does require cash transactions over a certain amount (not sure of the amount, maybe $10,000) have to be reported. This has been true since before 9/11/2001 - it is a way for the government to find money laundering schemes, drug dealers, etc.

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#4 Consumer Comment

Reporting transactions

AUTHOR: Robert - (U.S.A.)

POSTED: Wednesday, September 19, 2007

Actually, the requirement to report transactions of $10,000 or more has been around BEFORE the Patriot Act.

I found out about it in 1992 when I went to get a cashiers check for $15000 at my credit union. I had to fill out a form, including my SSN and what the money was for, to acknowledge this "transaction" was being reported to the federal government. When I questioned this, the credit union gave me a copy of the applicable portion of law that mandated this requirement.

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#3 Consumer Comment

Patriot Act DOES require dealer to get TIN

AUTHOR: Ron - (U.S.A.)

POSTED: Monday, September 17, 2007

One of the requirements under the USA Patriot Act is the reporting requirement adopted pursuant to Section 365 of the Act. Pre-existing laws required financial institutions to file a Currency Transaction Report (CTR) with the Financial Crimes Enforcement Network (FinCEN) whenever they received large sums of money in one or a series of related transactions. Section 365 of the USA Patriot Act expanded the scope of entities required to file reports to include anyone engaged in a trade or business that receives more than $10,000 in cash in one transaction (or two or more related transactions). In addition, a dealership may also file a report on any transation that they deem to be "suspicious"

Here are the IRS form8300/FinCEN form 8300 instructions from the form itself

"Taxpayer identification number (TIN).
You must furnish the correct TIN of the person or persons from whom you receive the cash and, if applicable, the person or persons on whose behalf the transaction is being conducted. You may be subject to penalties for an incorrect or missing TIN. The TIN for an individual (including a sole proprietorship) is the individual's social security number (SSN). For certain resident aliens who are not eligible to
get an SSN and nonresident aliens who are required to file tax returns, it is an
IRS Individual Taxpayer Identification Number (ITIN)"

Maybe you should check your "facts" a little better

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#2 Consumer Comment

RE

AUTHOR: Michael - (U.S.A.)

POSTED: Sunday, September 16, 2007

The Patriot Act DOES NOT require dealerships to get your SSN. This is a lie. Show us where in the Patriot Act where dealerships are subject to this. Hint: you can't. The Patriot Act only applies to banks where an account is opened with more than 10 grand. Dealerships are not banks. I have had this argument with LIE-nance managers at dealerships before. When I ask the guy to show me the rule in the Patriot Act he quickly leaves the room. You also do not have to give your SSN to any dealership if you are paying cash for a vehicle. Any delaership that says this is lying and you should take your business somewhere else.

Non permissable pulls of credit reports are a FDCPA violation and you can sue for damages.

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#1 Consumer Suggestion

Social Number is Actually required by Federal Law

AUTHOR: Bob H - (U.S.A.)

POSTED: Saturday, September 15, 2007

I am not an employee of Bill Heard, but have spend 25 years in the Auto business. Unfortunately what Bill Heard did is actually required by Federal Law - first any transaction involving amounts $10000 (cash or check) or greater require the seller to submit a form to the government. In addition, the Patriot Act requires all auto retailers to submit an OFAC report - it is the government clearinghouse for the terriost watch list. You can go on the the US Gov web site and find all the particulars. Now all transactions require a SSN, Copy of Drivers Liscense, OFAC Report

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