When you buy something, you should have some assurance that nothing will go wrong. You know what you are signing up for, but what if this didn’t happen? A Texas car dealership is being accused of complicity in fraud after a woman shared her terrible experience with it. The woman and her husband went to this Texas car dealership to get a car, but weeks later, the dealership cosigned her credit to a complete stranger. As people started giving the woman advice, some went as far as claiming that this was intentional. Some contended that someone working for the Texas car dealership might have an agreement with the stranger.
In a post shared on Reddit, a woman details what happened to her and her husband at a Texas car dealership. The problem started after they bought a car from there. Weeks later, the woman was surprised when she began receiving denial letters from different banks. These denial letters were not related to her and her husband’s newly bought car. Instead, they were being sent because she was a cosigner to a man she didn’t know at the same Texas car dealership.
When confronting the people at the dealership, they tried to mislead her at first. Their initial explanation was that they didn’t run her card and that what happened was that they linked her profile with that man. Then, the Texas car dealership’s manager told the woman that they did, in fact, run her card. He claimed that this happened “accidentally.” Thankfully, his loan was not approved due to the stranger’s bad credit. It would have been completely different if the loan had been approved.
People Reacting to the Situation
People had different reactions to what went down at the Texas car dealership. One person tried to help the woman by letting her know she could challenge all the credit pulls related to this incident. “Contact the dealership to get a letter confirming these credit pulls were run in error,” they added. Another pointed out that this was a fraud. “This is credit fraud and you should report it to the AG in your state,” they wrote. Someone else accused the dealership of being complicit. They said:
“The fact that it’s at the same dealership where he bought a car is no accident. Someone at the dealership is directly involved either alone or in cahoots with the buyer. Possibly attempting to get financing for someone that doesn’t even know what the dealership tried to pull. And may have already been told they got the financing and has the car already. Dealerships pull shady stunts like that all the time and sometimes get stuck pulling another shady stunt to cover for it.”
Another Redditor replied in agreement. “Exactly my thinking!” they wrote. One person also believed that this wasn’t the first time the dealership did something like that. They said, “I wonder how many times they have done this. People are co-signers for someone that they don’t even know.” Another agreed as they wrote, “This! Sounds like a backroom tactic, and this was a standard ‘We have no idea how this happened’ aka we got caught line. Freeze the credit now, and report it ASAP.” The woman hasn’t provided any update yet. Hopefully, she and her husband will take all the advice offered and report this.
