Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Sun, XXXX XXXX, XXXX at XXXX, I emailed General Manager XXXX XXXX and General Sales Manager XXXX inquiring about the XXXX XXXX XXXX XXXX XXXX XXXX. I was told they no longer worked for XXXX XXXX XXXX XXXX XXXX. I was transferred to Customer Financial Services manager XXXX XXXX and he told me the vehicle was under inspection and told me we could still move forward with the application process. XXXX XXXX asked me if I had any trade-ins and I told him, my current vehicle was vandalized, not drivable and my children and I were stuck in my investment property out of state. I asked the salesman if he would be able to have the vehicle delivered to me. He said XXXX XXXX XXXX XXXX XXXX XXXX XXXX not offer that service. However when I went online it said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got started on the application and XXXX XXXX, XXXX ; spoke with sales manager XXXX XXXX XXXX who told me he couldn't pull up my credit and he said he would send me a link to try again through the website. I submitted the application again and followed up with XXXX XXXX XXXX. XXXX XXXX told me he received my information and supporting documentation. XX/XX/XXXX, I received an email from XXXX XXXX asking me to call him. We went over the information on the credit application and I told him I would temporarily lift the credit freeze. I then told XXXX XXXX, I do not have a XXXX driver 's license and I am a XXXX resident. He asked me to provide him with tax statements which I provided. I told him I am living in my mother. I had purchased a home in XXXX sight unseen. I went out there to close escrow XX/XX/XXXX. However while at the property, my vehicle was vandalized causing me and my children to be stranded. I then decided that I would not be staying in the property, that I would rent out the property and go live back with my mother until I could sell the property and buy elsewhere. I told XXXX XXXX my children and I are stranded in the property due to vandalism. I told him I don't pay rent at the XXXX  address and to use the XXXX  address for the application as I will be getting rid of the house in XXXX once I get back to XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX credit multiple times, then XXXX XXXX informed me via voicemail that the vehicle was not available. He then sends an email to his staff- see below ; calling me a fraud. I then contacted XXXX XXXX. In my voice, I made it clear that I did not appreciate the disrespect and I questioned his unprofessionalism. I then asked him why he had me provide documentation, pull my credit multiple times, and then tell me the vehicle posted on the website is not available. As he claimed, the vehicle is being marketed for wholesale because 'it did not meet XXXX XXXX standards '. Why mislead the public and publish unavailable vehicles on the website? In addition, XXXX XXXX told me he didn't want to spend money shipping the vehicle to me, encouraging me to purchase a vehicle at one of the XXXX XXXXXXXX dealerships instead. XXXX is nationwide and offers store to door delivery - XXXX XXXX XXXX Despite XXXX XXXX being the world 's most successful automotive company, XXXX XXXX was discriminatory. My credit was pulled multiple times, I supplied my documentation, I was told a notary can come to where I am for signature. The subpar treatment is unjustifiable.

Company response to consumer: Closed with explanation