Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX I was presented a pre-approval from Capital One a trusted company I have 2 credit cards with. It took a couple of days of " Sleep on it '' before I decided to go for it. Keep in mind, I really did n't need a car, but when it came to safety features, I was a little out if date with my XXXX XXXX XXXX No sooner than I received this offer a XXXX XXXX XXXX popped up from one of Capital Ones Authorized Dealerships, hereafter known as, XXXX XXXX XXXX XXXX. I called and made an appointment, to test drive and possibly bring home, not in despair for a vehicle at all. I arrive there XX/XX/XXXXapproximately XXXX and asked for the female I made the appointment with and was passed to a salesman by the name of XXXX. I went on my test drive and liked the car. We get back to the dealership to complete the CAPITAL ONE " REQUIRED '' ( You ca n't just take someones car off the lot with proper funding ) paperwork i.e.application, Drivers License, Proof of Insurance with XXXX after negotiating the price of the car. I signed an application that had bold stamp in the top " CAPITAL ONE '' I trusted XXXX XXXX. After completing my documentation with XXXX, I was placed in a waiting area for a few minutes and was approached by, the Finance Manager, XXXX XXXX, I assumed was to complete Title change documentation etc ... Before taking me to his office, he asked if he could shop me for a better rate?, I replied, " No, Please do n't, I know financing and I am okay with my rate at the time from Capital One, keeping all of my credit in one trusted place ''. XXXX XXXX XXXX turned and went back to his office and I guess that is when he began shopping me 6 times to various Lenders including a hard pull from XXXX aka Capital One Auto Financing, of which I was accused of pulling that credit myself and cinfirmed with Capital One, that they only REQUIRED a SOFT PULL, being I was an existing Custimer and that is how they 'd already pre-qualified me based on past history. XXXX XXXX summons me to his office then began to attempt to obsurb the entire allotted approval amount of {$25000.00}, I assuming since he fail his attempt to make a broker fee, he tried another tactic to sell me on bumper to bumper warranties, telling me those cars are known to have costly electrical problems etc..After XXXX had already told me it 's a good car and it is, I agree XXXX miles. After my analysis of the XXXX, I declined and I am so very happy I did. 1. The car is perfect, no complaints, especially after looking at their service reviews online. They have horrible customer service after the deal is done. XXXX was an excellent salesman, very pleasant, no complaints in that area. To rectify this situation of the hard pulls that reduced my FICO from XXXX to XXXX in 12 days, I 've spoken with OVER 4 people, including the Owner XXXX XXXX since this incident occurred XX/XX/XXXX. The only person who reviewed all of my information forwarded to him and was understanding, apologetic and empathetic of my situation was XXXX XXXX of whom we finally agreed to a settlement of " Goodwill '' in the amount of {$2500.00}. We are all human and XXXX XXXX was having some personal issues, of which at times I refuse to intervene or pressure him, giving him time to work things out for himself. As time progressed, it became one thing after another, so I called, with the hopes of relieving him, and spoke with XXXX XXXX XXXX This is where the nightmare got worst, this was a bad decision on my part, she demanded after 5 or months in, I start all over again sending in more information. The more I sent the more she wanted, until all if the information that was readily available online was no longer in the XXXX XXXX portal and my scores began to go back up. At one point she stated " see there, your scores are going up ''. Go figure, they would 've went down if XXXX  would 've honored my request and not have left me with 11 hard inquiries 6 of them he did and XXXX XXXX told me I applied for the XXXX, no I disagree and it has been confirmed with Capital One, XXXX did that one to get broker pricing and rebate. With all that I have gone through with this Dealership, I am now requesting a Good Will settlement of Good Faith in the amount of {$6000.00}, of which not totalling fair and far less of the Fine by Law accordingly to CFPB for this violation. Punitive damages of problematic humiliation, when one if them laughed in my ear, as I began to cry as I was driving I could n't get his name correctly. They all think this is a joke with the exception of XXXX XXXX  These practices with dealerships must come to a hault. I backed up due to the recent fire in that area praying none of them or their families were hurt, homes and cars can be replaced, not lives. So when the smoke cleared out there I reached out again for resolution. I am certain I am not the only one this has happened to and not just their dealership either. I am a XXXX XXXX XXXX XXXX and have been in the Industry in the XXXX XXXX for almost 20 years and have never be exposed to anything like this. Please help. XXXX XXXX had gotten so rude with her obnoxious, ludicrous and obsurd request, I kindly ask her to please stop contacting me. I then contacted XXXX XXXX XXXX  and he passed me back to her. She sent me an e-mail requesting my name to be shown in XXXX XXXX and I sent her one back, apologetic for my frustration, told he once again I can come out and login, that went unwarranted and can we please work this out and be done with it. She then sent me an e-mail asking me to cease harassing their dealership. I had to remind her of my request for her to stop in XX/XX/XXXXand I will deal with XXXX XXXX XXXX he passed me back to XXXX XXXX knowing we were n't going to get anywhere. I am not combative, nor am I ignorant. I did n't go online and bash then like I should 've. I believe I am taking the appropriate route and this will be put to rest.Please see the attached emails, text messages and thankfully I have written voicemails from XXXX. Apologies, they could not attach using this device. I have them and I have them on flash drive. I wanted to be their Consumer, not just their Customer. Please DO N'T forget about others going through this same situation and some end up catching the bus home with a XXXX  FICO.

Company response to consumer: Closed with explanation