I don't even know where to begin. Lets start about a month ago someone totaled my car by putting sugar water in my gas tank. Since then I have been car shopping like crazy. I do not have very good credit, so I decided to go to JD Byrider on South BLVD, Charlotte NC after seeing about a half a dozen ads on Charlotte's Craiglist; about how they do not go by your credit, and if you have 500 CASH, a drivers license, and a job you can walk away with a car.
So I went in with all of the above and was welcomed quite graciously by a woman names Shelly. She sat me down and I was accompanied by Cassandra Cottone, Brandy Thorne, and her mother Kelly Shirley. She told us all about the understanding of her company, the credit policy, and how her company understands that credit issues happen to everyone and they are all for rebuilding credit and helping someone get back on their feet.
She stated that the only thing that was needed to walk away with a car, was a job, a proof of residency, a good attitude and a want to help yourself in rebuilding your credit. I am an assistant manager at a local Quiznos and I make more than enough money to pay a car payment. So she took all my papers and said everything should be good I will be back shortly. She then told me to wait in the waiting room, and asked Cassandra if she would mind getting put on the loan to show more stability in income. Cassandra said yes, and started the paper work.
As she was filling the paper work out Shelly asked her if she was single, or married. Then proceeded to tell her that our relationship was not seen by law as anything so she must put single. I am ***, and I have been in a relationship with Cassandra for almost 3 years now. The Loan provider came out and thought Cassandra was me. Shelly told me that Cassandra was not me and was like, "Shes the one with the short hair," and pointed over to where I was. He proceeded to come over, and look at Brandy's mom, thinking that was me again. I finally said, "That's me," and walked into the office with the man. I was not in there for more than 5 minutes when he pulled my credit, and told me, "I'm sorry there is NOTHING I can do for you." I walked out and went outside while Brandy, Kelly and Cassandra were talking to Shelly. She went back into the office and came out and told us that the man could not help me because of my attitude.
I did not have an attitude at all, I was completely respectful and friendly. Kelly asked what was the initial reason I got denied, and Shelly said, " her credit, if she hasn't paid her other bills, then what makes us think she will pay us?" Cassandra proceeded to say, "Well you advertise everywhere that you don't check credit, and it doesn't matter how bad your credit is so why can't you help us?" Shelly said, " we don't look at your credit score but we do pull your credit history, and we don't have any advertisements like that." Kelly and Cassandra didn't understand this because one of the first things she said was credit did not matter.
She then told all three of them to get out, that they were badgering her and they had to leave. We told her that was false advertising, and she just proceeded to hold the door open not looking anyone in the eyes. Now I had 500 down, proof of residency, proof of more than enough income, pay stubs, everything she told me I needed. There is only one conclusion, from the way the lender looked at me when he found out I was Susan; to the way Shelly kept changing her story every time when we called her outt, to the ridiculous comment that my relationship was not seen in the eyes of the law. I DID NOT GET A CAR TODAY BECAUSE I AM ***.
I want everyone to know how wrong this is, and how this is completely not fair, and complete bigotry. Please help me share my story. I shouldn't have to hide who I am to be able to better my life. I shouldn't have to worry about losing my job because some Bigot doesn't agree with who I chose to love.
Monetary Loss: $500.