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I called CNAC to make them aware i was voluntary surrendering my truck phone call with account holder Sean 11/16/16 next thing i no i logged into my credit karma account and long behold there was a hard inquiry listed for CNAC IN101 he ran my credit obiviously to be nosey to see if i had purchased another vehicle from somewhere else without my permission so of course my credit score went down off that hard inquiry now i have an appt to speak with a lawyer in regards to my next step related to this beyond pissed ive paid off one car thru them and ive had this one for over 2yrs paid in full faithfully this is one loyal customer that is completely done and will not recommend anybody i no to go ever again

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Why are you worried about a hard pull? You've totally screwed your credit by letting your car go back.

Just because you voluntarily did it means nothing. Same as a repo.

Now you'll be back here complaining when they sue you for the difference after they auction it off. Which they will.

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