I would like to let everyone know how Chesaco RV in Joppa - plzwhatever
I would like to let everyone know how Chesaco RV in Joppa runs their business.
About a month ago, I went to purchase an RV. I worked with Regina - a lovely woman. She is very helpful and kind. I asked to see if I could put the RV on credit. Regina then asked if I would put any cash down. I said, "I supposed I could put $2000 down". She requested my Credit Card (as that is what I said I would use).
I asked, "do you not see if I am approved before you run my CC?"
"No, I am sorry. This is not how they do it. We run your credit card and then see if you are approved."
Because I know I will be approved (based on my 753 credit score), I accepted it and handed over my cc. When I looked at my credit card online, I noticed $2060 was charged. I asked what the $60 was for, Regina did not know. I said, "I suppose it might be a 3% fee that credit cards are now charging for using it" and I accepted it, no problem (again - thinking I would be approved).
Apparently, something happened to which I was not approved with my own bank (I will deal with later and uses Equifax) at 5.74%, but approved (verbally) with another bank at 11.99%. I refused those terms and conditions, as I am not paying double interest. I requested to cancel the transaction and to refund my $2060.
They refunded my $2000, but not my $60.
Now, I have been dealing with my dad (passed on 1/15) down in Tennessee and have not had a chance until today to address this $60.
I called and explained exactly how I have written for you and would like my $60 back.
He explained that he could not refund the $60 because it is the credit card issue and not their responsibility.
::side note:: I have owned a business and remember when a transaction is reimbursed, my company would also be reimbursed the fee.
I asked, "is this how you do business?"
"No, this is how the credit card does business"
"Not that part, I am speaking on first, you don't tell your customers there is a 3% fee added on to any credit card charge..."
"It is all over the building"
::side note:: I can honestly say, I do not know. But, I am very observant in reading signs, but I may have missed it. Okay, I will give you that one. Especially, if I was approved, no big deaL.
"And what about the part where instead of making sure your client is approved, you just charge their card and then say, 'oh well, your out $$$ even though you weren't approved"
"Yes, that is how we do business. We do take your money before we see if you are approved because if someone comes in and puts money down on the same item, it becomes their possession"
::side note:: Is he serious? I do not have facts to back it up, but does he really think I believe that they are selling RVs hand over fist?!?
So, I am making a public post everywhere and everywhere to BEWARE!!!
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