Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Unauthorized Credit Inquiry and Malicious Sales Practices at XXXXXXXX XXXXXXXX I am writing to formally file a complaint against XXXXXXXX XXXX  regarding multiple unauthorized credit inquires, as well as malicious sales practices that I experienced during my visit. My name is XXXX XXXX, and I visited XXXXXXXX XXXX  on XX/XX/year>, with the intent to discuss purchasing a vehicle. During my visit, I was assisted by a salesperson named XXXX. 

Unfortunately, I left the dealership that day without agreeing to any purchases, as I found the terms of the deal to be unsatisfactory. XXXX attempted to convince me to make a purchase despite the vehicle not being what I was looking for and the vehicle was still in service. He misled me by showing a XXXX XXXX ( XXXX XXXX  ) while leading me to believe that the car was a XXXX XXXX. I was also told by XXXX that I would not be able to get the car I wanted if I go anywhere else, which further influenced my decision to leave the dealership. 

The initial discussions regarding the car payments were deceptive. XXXX misrepresented the terms by stating that the payments would be {$550.00} per month, regardless of whether I put down {$500.00} or {$1000.00}, which was a false claim. Also I found out he was hiding fees in that monthly price he did not discuss with me ( car warranty and GAP ). After receiving this misleading information, I chose to walk away from the deal, as it seemed both dishonest and unfair. 

XXXX days later, on XX/XX/year>, I received a call from XXXX trying to convince me to return to the dealership and complete the purchase. I refused to engage and immediately ended the conversation. To my surprise, I later discovered that XXXXXXXX XXXX had pulled my credit report on the same day XX/XX/year> AND XX/XX/year>, without my consent or authorization. 

I believe that this credit inquiry was performed with malicious intent. I did not authorize the dealership to access my credit report after I had already walked away from the deal on XX/XX/year>. It is clear that the credit pull was made as a retaliatory action after I had decided not to move forward with the purchase. This behavior was unprofessional, unethical, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to control when and how their credit information is accessed. 

Furthermore, I am concerned that this unauthorized inquiry may negatively affect my credit score, especially given that it was conducted under false pretenses. I am requesting that XXXXXXXX XXXX  remove this unauthorized credit inquiry from my report immediately. Additionally, I expect a full explanation regarding why my credit was pulled after I had explicitly declined to move forward with the purchase on XX/XX/year>. 

I also seek appropriate compensation for the potential negative effects this malicious action could have on my credit and financial standing. 


Please confirm that you have received this complaint and provide a formal response within 10 business days. I expect this matter to be resolved in a timely and professional manner. If you require any additional information or documentation, please do not hesitate to contact me.

Company response to consumer: Closed with explanation