Consumer complaint received 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On my visit to my hometown in XXXX, my daughter hit a pot hole and damaged her XXXX car. It had {$3800.00} worth of damage. so, on XXXX XXXX, XXXX My daughter and myself went to dealership to see about purchasing her a car. I sales representative approached me and sat me down and asked what I was looking for. My daughter suggested a XXXX XXXX. The sales representative looked into his computer and found several options. We chose the XXXX XXXX XXXX. He asked how much did I want to put down and I said {$500.00}. I filled out an application. He asked for ID and proof of income. I told him I am a Realtor and get a pension, but I do not have any paystubs Since I was visiting from XXXX, He stated that I could pull off my banking statements for a couple of months. So, he gave me access to use his computer to print. We waited for about 30 minutes and he stated that while his manager is working on paperwork we could test drive. I stated I do not want to test drive something I can not have, He stated something to imply that it was just a matter of getting paperwork done. So my daughter and I drove around for about 20 min. We came in a sat for about another 30 min. The salesman asked me about calling my insurance agent to get insurance. I still not sure if I have been approved. He stated that you got the car ... .We were elated. So about 20 minutes later I went into another office with the manager who handles the financing. I went into the office and signed all the paperwork. They gave me a temporary tag, 2 sets of keys. I was told that the information about due dates and who to pay would  come in the mail. The sales person wanted me to take a picture next to the car to put on there website. And we went on our way. About 1 weeks later the dealership is calling and stating that the lender is having problems verifying my employment. I am shocked with them even calling me at this point, because I thought everything was done. So I stated that I am an independent contractor and do not really have a boss. I can provide XXXX XXXX. So I provided to rep from dealership on XXXX XXXX XXXX. I got another call about a week later that the XXXX XXXX could not be used because it was after May. Huh? So I told them I do not know what else I could provide. So, another sales rep at dealership asked me for phone numbers to who they could speak to someone at my brokerage firm. I told them that I would look into who to call, because I have never been asked this before, because I am not really an employee, so I do not know if calling HR they would verify that I work there. I also told them they could look at the Georgia XXXX XXXX Commission and it would tell them how long and who held my license. So I call Broker support ( who are Real Estate Agents that have gotten their brokers license ) if they would be able to confirm that I work there. Which was embarrassing, because I did not want them to know my personal business. I gave them the toll free number and the reference number that the dealership gave me, but the broker called me back and stated that it did not direct him to where he should go. It was a couple of days before XXXX and I was preparing for my flight to visiting my family again, So I did not call anyone. I got a call from the one of the sales reps and she stated that if I provide the XXXX that would be all I needed. So, I told her remember I sent it to you already, If you want I will resend to you and she stated please do. So I did on XXXX XXXX, XXXX to her email address. I asked her is that all I need and that would be it. She said yes, that is it. I told my daughter and a sigh of relief. Then called me back later that day and stated I need to bring the car back because they can not verify my employment. I said you told me everything was fine. She said well it is not and you need to bring car back. Very stressed out I call around and found out that the Accounting Mgr is the person who can provide a letter that verifies that I am an independent contractor. So, On XXXX XXXX, I emailed the letter to the sales rep at dealership. Also, the Accounting Mgr faxed the paper to the lender who wanted back my commission and date I started on XXXX XXXX. I get a call on Monday, XXXX XXXX stating I need to bring the car back because lender do not believe I am employed at the brokerage firm because they did not get the verification back. So, I called the Accounting Mgr and she checked and had her confirmation when she faxed and emailed it to me. When I got that information, I called the Mgr of dealership, but could not reach him. I called XXXX - 3 times during that week. Finally, one of the representatives gave me his email address, so I emailed the confirmation to him. On XXXX, XXXX XXXX, I am told that I need to bring the car back. I have given them {$500.00}, purchased additional insurance for 2 months, tag and if I had brought the car back to Georgia with me would need to drive it to Ohio and purchase a plane ticket back to Georgia. I have not heard of anyone telling you that you have been approved for something and then make you give it back. I purchased this car for my pregnant daughter who has XXXX kids that are very active and now they are saying I need to bring it back to the dealership. Please get to the bottom of this. This is so wrong.!!!!

Company response to consumer: Closed with explanation