Complaint Review: Open Road Lending - CINCINNATI Ohio
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- Author Confirmed
- Open Road Lending 12085 HAVILLAND CT CINCINNATI, Ohio United States
- Phone: 5133991134
- Web: openroadlending.com
- Category: auto financing
Open Road Lending Obtained all my personal information confirmed employment numerous inquiries on my credit result lowering CINCINNATI Ohio
*Author of original report: Madness
*Author of original report: LIARS
*REBUTTAL Owner of company: Know the Facts
*Consumer Comment: You tried to get a loan on someone else's vehicle???
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WAS sent a pre approval by the lender promising to lower my car payment. Called and spoke with the company asked questions infored them of the current situation and I was assured that they were different and they had already approved my refinance. Fast forward three weeks later no refinance and credit scored lower due to the numver of inquiries that was obtained to do the refinace.
If i were pre approved why all the inquities. Came back with a lame excuse that in the state of Ohio the person on the registration is the one that had to get the loan.
They sent the preapproval to me!!! EXTREME RIPOFF THEY HAVE ALL MY PERSONAL INFORMATION AND FAILED TO UP HOLD THEIR CLAIMS looking into filing legal charges.
This report was posted on Ripoff Report on 09/14/2018 02:53 PM and is a permanent record located here: https://www.ripoffreport.com/reports/open-road-lending/cincinnati-ohio-45240/open-road-lending-obtained-all-my-personal-information-confirmed-employment-numerous-inqu-1460946. 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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#4 Author of original report
Madness
AUTHOR: Angela - (United States)
SUBMITTED: Monday, September 17, 2018
The madness is that you are making a comment on something that you dont have full knowledge of.... I guess you are either bored or trplling for the company. either way you are free to have an opinion just make your opinion is based on facts and not assumptions! MADNESS
#3 Author of original report
LIARS
AUTHOR: Angela - (United States)
SUBMITTED: Monday, September 17, 2018
I read your rebuttal and this is just a blatant lie!!! I am the owner of the car the car is registered to my son. I explained all of this to your representative before I even proceeded with the loan. It is horrible that you would tell such a balatnt lie the loan is my name and you got infomation from both me and my son and you verified both me and my son's information.
For you to rebut with a lie is slander at best and I promise you that I will fight this... GET YOUR FACTS STRAIGHT!!! Understand who you are dealing with and conduct yourself like the company that you say you are.
#2 REBUTTAL Owner of company
Know the Facts
AUTHOR: Chris - (United States)
SUBMITTED: Monday, September 17, 2018
We appreciate customers sharing their opinions about our company and processes. I will admit, the majority are very positive. Your comments were based on us not being able to offer you a loan against a vehicle titles in someone else's name. Your pre-approval offer was based on your credit and you refinancing a vehicle only in your name. The state of Ohio is very strict in that it does not allow us to modify the owners of a vehicle on the title unless those same owners are on the new loan with us. In your case, you did qualify from a credit perspective but were trying to do a loan on a vehicle that listed someone else as owner.
#1 Consumer Comment
You tried to get a loan on someone else's vehicle???
AUTHOR: Florida Native - (United States)
SUBMITTED: Saturday, September 15, 2018
I don't understand. How can you pledge collateral with a vehicle you don't own.
It is standard procedure by any lender that you have to own the vehicle that you are using as collateral for the loan. The registration tells you who is the rightful owner. The vehicle isn't yours if the registration is not in your name.
No, I don't work for this lender or any lender, but I know I can't use someone else's vehicle to borrow money. Can you imagine the chaos if lenders allowed you to borrow against anyone's vehicle? Madness.
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