Consumer complaint received 2022-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX miles. Priced {$17000.00}. Inform them I wished to pay cash. 
Started processing paperwork XX/XX/XXXX Signed contract Purchased Price {$25000.00}, for 36 months at {$260.00} per month, At 16.11 % per month. I left deposit {$3000.00}, thinking I could pay for the car in cash, I returned a couple days later and left another {$10000.00} I received 2 Bank DENIED application letter dated XXXX XXXX and XX/XX/XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX sent another application also DENIED ( I had no credit same as bad credit ). 
NEXT I get a letter from bank stating Congratulations on your new car welcome to Capital One.. 
A couple days later I get a call from the Capital One tell me why I was denied..I informed them I already had the car and they were surprised. 
Shortly after that conversation I received a letter from Congratulately me NO DATE on letter : Stating {$430.00} monthly payment for 72 months -- first payment XX/XX/XXXX This is when I went to dealership, Spoke with someone not sure who.XXXX XXXXXXXX or XXXX XXXX received was Purchase price was {$19000.00} at 16.11 per cent Interest. Why was it increased..? 
I also informed them I did not want any manufacture protection/repair plan/contract. 
On XXXX XXXX spoke with XXXX XXXX, as he introduced himself. I informed him I did not want the car for 72 months at $ XXXXDown hill from that point until now. He kept insisting due to my credit score being very low/no credit, that in six months he could do better for me. 
I asked to have my deposit ( {$13000.00} ) returned. ( Receipt date XX/XX/XXXX ) deposit received. 
XXXX XXXX explained he would be frowned upon by the bank. Are something to that effect. 
He convinced me to keep the car and pay for six month bring up my credit score he would refinance get a better rate. To show good faith he offered to pay half of the first six months and wrote me a check for {$1800.00} ( receipt dated XXXX XXXX ) RED FLAG Now looking 0ver these documents looks as if everything took place on XX/XX/XXXX. That is not correct. 
I have made all payments on time, sometimes more than was need, to get me credit score up. 
After the fifth month payment I started reaching out to XXXX XXXX, to schedule an appointment due to COVID, and ONLY got the run around. Not in office, no available appointment, on vacation, at another dealership, will check for an appointment for next week, never returned calls or respond to texts etc. 
On XX/XX/XXXX I stopped by the dealership and XXXX XXXX was there. He sent an employee to the door to tell me not to park infront of the store/dealership. Would not allow me to come inside he Met me in the parking lot, he said I dont need your drama in the showroom. Not sure what he met by that. 
I am a XXXX year old female XXXX Yelled at, cursed and sweared at, in the parking lot. I was shocked at his way of responding and felt threathen. He is threatening me with my {$13000.00} in his pocket, he is very very wrong as a supposed to be a businessman. 
I was informed not to call, text or come back to the dealership. Last I checked this is XXXX, I am XXXX Now I find out that my daughter was also taken advantage of by this dealership because of her bad credit/low credit score. She purchased a XXXX at {$670.00} per month.NEW CAR PRICES. 

During my reschearch the last couple weeks, I placed claims with : Atty General, Assemblywoman XXXX XXXX, Federal Trade Commission ( FTC ), Senior Citizen Help Lines XXXX XXXX XXXX XXXX XXXX  ) and others. I didnt get any help. This system.It does not work for an individual consumer. 
XXXX  made two calls, got no response and closed my file. I am going to say it this way.They knew my response, from them went to SPAM However, I found out from the XXXX  that there are 13 or 14 other complaints filed against XXXX XXXX XXXX XXXX I dont know if they are senior, young, poor, bad credit, no credit, XXXX, XXXX or other. 
He/they know and work the system. 
I AM SURE HOW XXXX XXXX XXXX XXXXTREATED ME IS/WAS FRAUDULENT AND/OR SCAM PROCESSES. 
So busy struggling with the dealership regarding price change I never got to deal with them regarding needed repairs that should have been taken care of before sale. 
I have put brakes in the car Oil Change All tires are bad Key batteries died ( 2x ) and more

Company response to consumer: Closed with explanation