Nothing is Confidential

I recently received the letter that you that see in the picture below. There is a good chance you have had similar ones show up in your mailbox. This one was addressed to me, not current resident, and it had my address. Please note, I have never purchased a KIA or done business with any of the “Don Franklin Family of Dealerships.” I wondered how they got my name and address even though I didn’t imagine it would be anything like rocket science.

Knowing that my personal information is available to purchase does make me wonder why I bothered to ink it out..

I opened it up, and as expected, they were hoping to lure me into purchasing a new vehicle from their dealership. I typically drive a vehicle about 10 years; since the one in my garage is a 2017, I was poised to drop the letter into the recycle bin when I noticed the amounts they quoted regarding my monthly payment and my remaining loan balance were both within a few dollars of being spot on. HUH?

I consider such information private and felt very annoyed that they had somehow managed to acquire personal information, that in the not too distant past, wouldn’t have been accessible without my permission.

I further noticed that the attached post-it-note was handwritten, not just made to look that way, and signed by someone named Marc. I concluded that if it is okay for Marc to know so much about me that I would give him a call; after all he gave me the number so it was practically an invitation.

This could be Marc. Marc is a hard worker. That is why his team members field his calls on his behalf. Be like Marc!

I grabbed my phone and tapped in 877-346-9308 (feel free to call Marc yourself) or you can also dial 606-679-1177. A chipper sounding woman answered the phone informing me that they were having a great day at Don Franklin Kia. I asked to speak with Marc, and after asking the chipper lady a few questions, also managed to learn that he holds a position in management. Ms. Chipper made me tell her what my call was regarding. Only then did she say that Marc was out for the rest of the day in a meeting (my guess is the meeting was on the 19th hole). She graciously offered to let me speak with a member of his team. I refrained from sarcastic remarks about which team that might be, major league, minor league or pee-wee; instead I told her I really preferred to speak directly to Marc and that I didn’t mind calling the next day.

I jotted down a few notes for my future chat with Marc. I would be sure to use my “professional voice” and have my ducks in a row. It’s always good to point out a persons strengths so I decided I would tell Marc that I was impressed with the accuracy of the numbers. I imagined saying, “You folks at Kia really do your homework.”

Next, I thought I would start down the path that would eventually lead me to the answers I sought. I planned to comment that I was disappointed that they were only prepared to offer an interest rate of 0.9% since they surely already knew my credit score and that my current interest rate is 0.0%.

I thought I would ask Marc to tell me more about their offer and why it would be a sound decision for me. I was curious what he would find to say about it being a wise financial decision. Ha!

I expected, by that point, Marc would be pretty sure that I didn’t really want to buy one of the vehicles at Don Franklin Kia (by the way, you can also call them at 877-346-9308) and that I best move in for the “kill.” In the interest of trying to decide what is best for me I would say I wanted to compare my loan, payment and interest rate with Marc.

“So Marc, How much do you owe on your vehicle and what is the interest rate?” I would expect Marc to balk or to work around my question; at which point I would ask why He thinks is is okay for Don Franklin Kia to buy my credit information without my permission and then make it available to him and his team. In the interest of fairness shouldn’t I know about his personal finances too? Since Marc is part of a team I would hope he values a level playing field.

I called the next day; when the same cheery lady answered the phone I asked to speak to Marc. I suppose she remembered my “professional voice” and asked if it was in regards to the letter I received and if I had called the day before. She asked me to hold and I wasn’t surprised when Marc didn’t come on the line; the call was picked up by a lady named Johnnie. I told Johnnie that they must have put my call through to the wrong person because I had asked to speak with Marc. She said his team usually takes calls on his behalf (perhaps he was still on the golf course).

I talked to Johnnie, she is on Marc’s team.

I started the intended conversation with Johnnie, however, she sounded young and I thought she was probably some poor kid working on straight commission hoping to buy something besides Ramen on her next grocery trip. I took it easy on her. I never asked her about her car loan or it’s interest rate.

Before we got off the phone I told her that my intention was to let them know that I did not appreciate their way of doing business, or any other company that would stoop to purchasing people’s “private” financial information. I acknowledged that they couldn’t buy it if company’s like Experion, Equifax and Trans Union were not selling it.

She politely told me that there was a number on the back of my letter that I could call to opt out of future letters of this kind. I knew that, but what else could Johnnie say? Of course, when I dialed that number there was no option to talk to a real person, it took over ten minutes to work through the automated system and then I was asked for my social security number. WHAT?? I decided to put in a bogus number that would spell out my thoughts about them and their system. I looked at the letters rather than the numbers I tapped out 382-59-6800. The zeros were added only to complete the fake social. I hoped someone would figure it out.

I can’t stop Experion, Equifax and Trans Union from selling my information even though I wish I could. The only thing I can do is call the people that buy it, waste some of their time and inform them that the actions of their company (Don Franklin Family of Dealerships) has guaranteed that I will never do business with them. If they get enough consumers calling them with the same complaint perhaps they will stop paying for our credit information and the Equifax, Experion, Trans Union and the others will have to find some way other than prostituting others information to make money.

Those numbers again are, 877-346-9308 or 606-679-1177, ask for Marc

I wonder if Marc is somewhere in this picture?

I appreciate the following for their use of their photos: Court Prather, Neon Brand, David Clode, Yours Truly and Google Images where the picture of Don Franklin Kia has no notation of it’s images being protected under copyright.

4 thoughts on “Nothing is Confidential

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