Consumer complaint received 2017-10-23
Company: Porsche Financial Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I was denied credit from Porsche I am writing because I applied at Porsche of the XXXX XXXX for a Porsche Macan, I was quickly denied because the credit department stated that I filed bankruptcy against XX/XX/XXXX and cited that I had other collections. I responded to my sales rep XXXX by informing him that I never included any bank that financed any car previously in a bankruptcy. I did file bankruptcy in XX/XX/XXXX and on my credit report it shows in dispute because it was being reported incorrectly as an inclusion in bankruptcy. XXXX called the credit department and spoke to XXXX to inform her that the credit report is incorrect. I then emailed him documents from my bankruptcy showing that I did not file against my car finance company. I also informed XXXX because XXXX was not willing to speak to me that on my credit report as stated before that it is in dispute and have been for years, the former bank was XXXX and I attempted to contact XXXX to get a notice of payoff, however, I did not have the VIN so they referred to their dispute department to correct my report. I noted that in XX/XX/XXXX when my lease ended I then went on to XXXX XXXX and financed another car, and if she saw that she would know it was not included in the bankruptcy. I also noted that on my credit report even if nothing was corrected that the misinformation reported will be removed from my credit in approximately 1 and 1/2 weeks. It will show on my credit report anymore as the time limit for reporting ends in XX/XX/XXXX. The bankruptcy occurred 9 years ago and will be removed next year entirely. XXXX was not allowing for any of the corrected information to be considered and XXXX although very nice did not seem to want to pry or pursue further to correct the misinformation. I feel that this situation is isolated because despite me having proof of the wrong information being reported and the fact that I have worked very diligently to build my credit and having no negative marks in quite some time did not seem to matter. I am not sure why I was singled out but I am XXXX XXXX and I know the Porsche family of drivers is primarily XXXX and this is disturbing. I have never in 20+ years been denied a car. I have been approved less than a year ago for a XXXX XXXX, I have been approved by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and my credit union and never had a missed or late payment and to not be allowed to drive this car I feel is wrong and discriminatory. I would like for someone to review my credit application again and include the corrected information that I have sent to the dealer. I have the income and I am not happy with my overall experience, I only love the car. I had another bad experience last week with Porsche of XXXX, the salesman XXXX was very blunt and for lack of better words annoyed that I was inquiring and that is why I attempted another dealer. Now if this is the practices of Porsche perhaps I should rethink wanting to be an owner but, again, I felt I needed to at least try to get some sort of assistance. I even asked XXXX if we could speak to XXXX manager and he said he would check but I never heard back from him. I explained that she is human and allowed to make an error but when the correct information is presented it is only fair to be considered. I also called into the customer service line and was told a more detailed letter would be sent as to why I was denied. I do realize it is the prerogative of the finance company to deny as XXXX informed me however, again I would like to be treated fairly. I received the letter of denial and again it stated that I had a report of bankruptcy and past collections, these items are almost 10 years old and have viable credit, so at this point, I do feel it is an isolated discrimination circumstance. 

I have emailed, called, and tagged on social media and have not gotten any contact from Porsche. I think its poor customer service and that someone needs to contact me. 
Thank you, XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation