Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
To whom this may concern My Name is XXXX my reason for reaching out is to share with you my horrible experience while at XXXX XXXX  on XXXX XXXX  XXXX pa well i must start by saying On the XXXX of XXXX I went into the dealership I actually had an appointment for XXXX, I arrived on time went to the front to check in after i checked in i was directed to sit at table to wait for an associate I waited a about a half before trying to get someone attention to see how long I would have been waiting one of the worker to get to me to start the process he brushed me off told me someone would be with me shortly I sat for another half an hour i had gotten up to walk to the counter to see what was going on then notice a person that came after me was being helped so i asked the secretary how much longer because I see someone that came after me is being helped she told me she was sorry she was gon na go find me someone & re-directed me to another table told me someone would be over shortly so now I have been there for a hour in the half & they sent over two young girls they were training so now I'm kind of un easy about the whole situation but i stayed & let them began the process so I'm done answering all the questions we finally find two cars I like unfortunately I was not able to test drive couldn't get in to see it either I'm not sure why but I didn't care at the moment I just wanted what I came for a ( CAR ) so at this point I had to wait ton see what bank would approve me now its been about a hour still didn't hear anything from the guys who's running my paperwork now I'm getting hungry, thirsty restless cause I feel like nothing good was gon na come out of what I was going threw, I was offered a water but didn't get that until I had to remind the girl that i was still waiting for the one she offered me again I just wanted a car.. Now its going on XXXX o clock ( XXXX ) I had been late picking up my children had to pay for a late fee because of the inconvenience of her being late to her second job, so now its about XXXX XXXX I explained to the guy like hey I'm local you could give me a call with the results & I'll come back the next day to get the car because they have done it with previous customers the associate said that why i asked him she advise me to she could tell i was ready to go so I asked him he again told me Promised me he would only need XXXX more mins, I asked him directly why is it taking so long mind you i had a XXXX appointment it's going on XXXX He then explained saying you don't have much income & your credit is bad! He also went on saying you have multiple hits on your credit I told him i had on two things in collection he tried to tell me i had more but all along he was looking at someone else paperwork & thought it was mines if that's not un professional then I don't know what is! So i told him that's not mines had someone else name on there anyway that wasn't the kicker he told me he finally found a bank but now he had to find me a car because he didn't wan na take a loss with the car I picked out with the associate at that point i was XXXX! He told me I could have a seat his associate was gon na see what he can find for my price range so he walked over to service another person & the associate didn't seem to be looking up or at anything so I left upset, angry frustrated betrayed violated!! USC 1681 ( a ) It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction 1681 ( 1 ) on the basis of race, color, religion.national origin, XXXX  or marital status or age ( provided the applicant has capacity to contract ) 1681 ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or1681 ( 3 ) Because the applicant has in good faith exercised any right under this chapter, To make an inquiry of the applicant income derives from any public assiatance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels credit history or other pertinent in regulations of the Bureau.Pursuant to the 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair and accurate to me.You allowing inaccuracies to be furnished on my consumer reports has caused me to loose confidence in the banking system and as a result i will no longer be extending my credit ti anyone, norwill I allow you to furnisha report on my behalf as a result I am demanding that situation be addresed.I have not heard anything back from them yesterday however i received my denial letter stating why they denied me I just hope this issue is addressed I think i would be publishing this story in a article to expose XXXX & any one affiliated My contact # XXXX lease reach out if you have any questions XXXX XXXX

Company response to consumer: Closed with explanation