Consumer complaint received 2019-12-06
Company: Larry H. Miller Group of Companies
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, went to Larry H Miller used car supermarket of XXXX to trade in my XXXX XXXX XXXX  for a XXXX XXXX XXXX. We talked and haggled for about 3 hours and after running my credit ( XXXX has record of this as well ) I had a XXXX credit score and the salesman ( XXXX ) said that with that credit score I would be getting financing through XXXX XXXX XXXX XXXX, with an interest rate around 10 %, payments close to XXXX and qualified for there no payments for 90 days. ( Summer special XXXX XXXX verified that this was offered to people with my credit score ) however it was a Saturday and he said he would call Monday to have me come in and sign the documents. I was put off and passed around for approximately 35-40 days before I  contacted the MVED and was given to investigator XXXX XXXX. He got them moving and within 5 more days the loan was ready. However during this whole process they never paid off my trade in so I was getting blown up by my prior finance company for the XXXX, which the company ended up calling the dealership and forcing them to pay it off finally. Then I asked for my plates and they said they were still waiting from the DMV. Over the next 2 months they continued to put me off to the point I had to park the truck due to not having plates or a temp tag AND my car insurance dumped my truck for it not being in my name. Now I don't have insurance and they won't take me back at the great rate I had because of it and it's XX/XX/2019 AND STILL NO PLATES! then I started getting calls from XXXX XXXX around XX/XX/2019 saying I was 3 payments behind because I never got the 90 day special. I told them that it couldn't be since I had XXXX credit. They proceeded to tell me that the loan documents submitted to the on XX/XX/2019 said my credit was XXXX and I was past due and near repossession. I looked up my profile on XXXX  and found a total of 8 hard pulls 2 of which were Larry H Miller. ( Once on XX/XX/XXXX and once on XX/XX/XXXX ) so they ran the crap out of my credit over 30 days then reran it through the dealership and gave me a terrible loan that is XXXX dollars a month more expensive than was a agreed upon. And now in order to get insurance put back on it will go up to XXXX from XXXX a month for the truck.. the truck I couldn't even drive for the last 2 months. Oh and the trucks brakes were warped from day 1. I would have noticed exceot the engine brake was turned up to cover it. ( They have already agreed to repair these free of charge. ) This has screwed up my credit, finances and stressed my family out to no end not to mention I am dealing with severe health issues right now. XXXX XXXX, XXXX  XXXX, XXXX XXXX, and a bunch of other problems. This is totally unfair and not what I agreed upon and now it may force me and my family to lose everything over it. All I wanted was a nice truck for a fair price. And those criminals continue to XXXX  me around because I am a nobody and I can't  do anything about it. Please help me right these wrongs. If you have any questions feel free to get in touch with me. Thank you.

Company response to consumer: Closed with explanation