Consumer complaint received 2016-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Part ( 1 ) : On XXXX XXXX, 2016, I engaged in good faith, the purchase of a 2016 Nissan Juke with XXXX XXXX, XXXX XXXX XXXX XXXX Salesman. Upon receipt of the documents, lease documents and registration, I immediately requested that XXXX XXXX, XXXX XXXX XXXX salesman to make the necessary changes to the sales paperwork to reflect that I was purchasing a 2016 vehicle. The salesman, the Dealership and Finance company all collectively refused to make the necessary corrects to the paperwork. On XXXX XXXX, 2016, with no viable or amicable alternative, I returned the car to the Dealership, located at : XXXX XXXX XXXX, CA XXXX. 
I am asking that the Car I am driving from the XXXX XXXX XXXX Dealership want sell the car or Repo the Car until a Decision has been made in this case. 

Part ( 2 ) : Moreover, on XXXX 2016, I, without transportation and unable to travel locally to the VA hospital for regular scheduled appointments, or to the local food market, and without a vehicle to conduct Banking and other business and related matters, once again, engaged, by necessary, in good faith, in the purchase of a second vehicle, the Rogue Nissan 2016, with a XXXX salesman, and employee of XXXX, at XXXX XXXX XXXX. 
Upon information and belief, through further investigation and discovery, I believes that there may be a routine pattern and practice of false misrepresentation on the part of the dealing toward other senior citizens and veterans customers. I would appreciate if CFPB to take a serious look at this matter. 
I was quoted $ XXXX monthly car note at 29 %, by XXXX salesman XXXX XXXX XXXX, which would fit within my fixed XXXX Veteran monthly allowance from the VA. However, when the sales documen arrived from the Finance company ( Capital One Finance ) company, for the Rogue vehicle, the monthly note was : {$600.00}. The Salesman and Dealership, once again, just as the first purchase transaction, without my knowledge and without full disclosure to me, referred this transaction for Financing to none other than, the same Capital One Auto Finance. 
Moreover, to add insult to injury, the same Salesman, XXXX issued State required ( Gap Insurance ) at the time of the sales transaction. ( 10 days ) later the same Salesman XXXX XXXX contacted me requesting that I come to the Dealership. Upon arrival at the Dealership he revoked the State Regulatory requirements issued with the purchase of a vehicle. He then proceeded to tear up the original sales contract and the ( Gap Insurance ) policy. In violation of State regulatory requirements. The Salesman then re-issued a New Sales Purchase contract for the citing, instead that I must obtain Insurance for the car from another Insurance company. Therefore, I remain without ( Gap Insurance ) on the Rogue vehicle. When I subsequently reported the matter to the Capital One Finance company, the Capital One Finance, Agent stated that the actions taken by the Salesman ( XXXX XXXX was illegal and said that the Resolution Dept. Of Capital One Finance company will launch an investigation of the matter, which they did not do. I respectfully submit to you with a great deal of certainty that there is a pattern of ( fraud, deception, and false misrepresentation by omission of facts in violation of truth in their lending laws ; at least to vulnerable Veterans, seniors and perhaps other disenfranchised citizens of XXXX XXXX county. 
I am currently receiving medical treatments for stage XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX caused by the actions of the XXXX Dealership have taken an extreme toll on my medical condition and the quality of my life. I have made several attempts to amicably resolve this matter by reaching out to the XXXX Dealership, to no avail. I respectfully requests that an amicable resolution be reached by CFPB. Thank you. 
1. Sales Tactics 2.Term Changes

Company response to consumer: Closed with explanation