Consumer complaint received 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I had made a series of calls to capital one about how they can not deny me an extension f my own credit. I still have the audio recording f two conversation that I had with capital one since XX/XX/22. This was the first date of pre qualification. on their website. They had initially told me that they had gotten me a pre approval fro XXXX I have a screenshot of it. once I got to the dealership, I told im not putting any money down because according to 15 USC 1605 - determination of a finance charge down payments are illegal. the representative on the phone told me that down payments are not illegal, although I had just finished telling her exactly where to find the codes, and exactly what codes her company ( capital one ) was violating. 
I went to the dealership and gave them bank statements and also gave them a credit application ( which according to the bills of exchange act, and also regulation z of the truth in lending act my social security number is an open end credit card ) I explained to capital one how they had a judiciary obligation to me because they had now become my trustee 's in this consumer credit transaction ( made mention of the Common law court case XXXX XXXX XXXX ) the representative from the presidents office disregarded everything I said and proceeded to state as if had said nothing about the United States federal laws and how they had to follow them, she simply said as far as I see it capital one is in compliance with all federal and state regulations. Since she was not planning on listening to me or anything that I had to say, the phone call promptly ended. the last time that I called capital one was on XX/XX/22. 
I made mention of the consumer credit transaction and how I was the originally creditor and how I was extending my credit to them. 
I asked her for clarity on how I was approved and then I wasn't able to take the car that I wanted out, she was unable to answer any of those questions. 
they people in the dealership, 15 USC 1681 - adverse action can not deny me an extension of my own credit, I made her aware of the she continued to redirect me to lawyer, I had been pre qualified and I was physically in the dealership and they general manger was telling me I could have walked out of the dealership the day with a vehicle but not the vehicle that I wanted.

the representative gave me the run around 15 USC 1611- knowing and willing give me inaccurate information was another code that I told her and she said that capital one was not in violation of any laws, the representative from the presidents office, even after I had made them aware of the fact that this is basically a discriminatory practice and fraud because credit is my right, as the original creditor/consumer. 
she proceeded to tell me it is not against the law to require a down payment, even after I made mention of the United States codes that capital one was in violation of. 
this was after being redirected all the way to the presidents office and creating a case and playing phone tag with capital one for a little over XXXX weeks now. 
she mentioned a equal credit opportunity company.

Company response to consumer: Closed with explanation