Consumer complaint received 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My girlfriend and I went to XXXX XXXX in XXXX, IL on XX/XX/XXXX. She was looking to buy a XXXX XXXX XXXX. We met with our salesman " XXXX ''. We test drove the car and decided that was what she wanted. She applied for a loan, what we were told was through XXXX XXXX. They returned after running her credit and said she would need a co-singer. I informed them that I would to try it through XXXX and that was all. I explained to them that I did n't want to risk the points On my credit. While waiting the salesman told me that they use XXXX for their loans. After a long wait XXXX told us they were waiting for an answer. He did n't want to keep us there any longer. We left and went to dinner. He called us and told us they could do it but it would be a high down payment. She told them that she would speak to a private lender and get back to them. When we were ready to leave from dinner we received emails from XXXX XXXX that there was new hard inquiries on our credit. We both checked and there was XXXX on each of ours. XXXX was from XXXX XXXX " not a lender just a dealership '' and another from XXXX. We did n't think much of it at the time. She went to a local bank not sure of the day, applied and found out they would give her a loan on a lesser amount for used car without a co-signer. She then called XXXX to tell them the situation. After looking for a few days for a used car in her price range. On the XX/XX/XXXX she found a used one located at XXXX they had just taken in on trade. She spoke with XXXX on the XX/XX/XXXX and told him she was interested. He said they could contact the same lender and see what they could do on it since they already ran her credit and had all her info. She told him she wanted to do it on her own with no co-signer. She received a call back saying that they would still need money down. They were working the numbers on it so she could take the totals to the bank. Later that day she got a call from XXXX saying they would still need money down. I spoke with him later and told him the numbers were n't gon na work. He said he 'd talk to the manager in the morning and get back to me. He called me the XX/XX/XXXX and said they were n't gon na budge on the price but they had a XXXX they could get sold that day for her price. I told him we were absolutely not interested. Shortly after we received emails from XXXX XXXX that we both had several more hard inquiries on our report. This time from completely different lenders. I called my bank to explain what I seen if it was legal and what I could do to fix it. They told me to contact the reporting agency and dispute it. They were closed for the weekend. Sunday I looked at my credit and found that there was XXXX from XXXX on the XX/XX/XXXX and XXXX on the XX/XX/XXXX. There was also XXXX from XXXX on the XX/XX/XXXX. Also XXXX from XXXX XXXX on the XX/XX/XXXX. So I called XXXX XXXX first thing on Monday morning to XXXX. They told me they only ran my credit once. I told I wanted to speak to a manager. The manager was unavailable that he would call me back. I then called XXXX XXXX to verify all the info and there was all of them that I stated. I then called the dealer to ask why they ran my credit all those times. They repeatedly ignored my calls. When they finally called me I questioned the finance manager " unsure his name '' and he told me they had the right to run my credit as much as they wanted. I reminded them that my girlfriend was adamant about wanting to do it on her own with no co-signer. He said that does n't matter because she was n't approved for the full amount. Therefore since my name was on the original he can keep running it to try for approval with as many lenders as it takes. Then he proceeded to tell me they only sent our info to XXXX and it was them who requested all the other lenders. I told him he was wrong and needed to make it right. I was told he 'd look into it and call me back by the end of the day. I 've yet to hear back from him. It 's been two days now. I received a call from the XXXX  manager today and explained the situation. He said it was strange that they kept getting requests for different vehicles from the same place. He also informed me of all the attempts from the dealer. Then we spoke about the allegations of them contacting the other lenders. He said absolutely not which I already knew. He told me I needed to file a complaint with CFPB as well as disputes with both credit bureaus and make complaints against all involved even them. The lenders are only running what they 're requested and I told him I understand. I explained that I know how easy it is for the dealer to reverse the inquiries on my credit. He said I was correct but the dealer had to do it or I 'd have to go this route. The dealer is refusing to fix this so here we are.

Company response to consumer: Closed with explanation