Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I met someone on XXXX by the name of XXXX, ( XXXX XXXX ) I told him i wanted to get a vehicle and I had XXXX XXXX. He told me he would need to see what I was pre approved for before he can assist me, and this wont affect my credit. This being my first vehicle I agreed and removed my fraud alerts temporarily. He then asked for bank statements but I told them it would take time because they were being mailed because I had issues uploading them and the billing period hadnt ended. He then illegally ran my name with multiple companies, causing multiple hard inquiries I didnt agree to. Then he lied and said it would be more to put down than originally agreed to later find out he illegally ran my name, and completely stop answering his phone after I confronted him about fraud. I requested to return or change for my vehicle within 24 hours, after purchasing because this wasnt the vehicle i choose and I was never allowed to see or test drive the car because of the place closing, I was in there less than 20 min and the way the lady explain the contract wasnt correct, as well as dining out they added gap insurance and other things but never explained that, nor did they explain the steps regarding shipping my vehicle or obtaining my tags. She didnt tell me if I was approved my XXXX XXXX or which bank or why the others had denied me. I didnt even know I wasnt going through XXXX XXXX until I looked at my credit report. I didnt like how the car drove, my mirrors was automatic but getting stuck, paint coming off the lining of window and a huge stain on the seat. On XX/XX/XXXX XXXX told me to go up there but I was turn away and told multiple times they would investigate and get back to me. XXXX the person who handled my contract I never even met was very disrespectful and hung up on me after telling him I no longer wanted the vehicle and how XXXX misused my information and lied, he said it want his problem I gave XXXX my infor and he dont work for them. Then I requested to speak to XXXX ( the owner ) who told me he would call me back, after weeks of not hearing from him I contacted him a few days ago because he never called back. He said he will not buy back the car, nor agree to any switch out, or cancel loan. He said hes never in business to buy back cars, and ended the call saying call who I need to. I dont know any business you can obtain a loan without proper financial documents because they were never roboded, and illegally using their personal information with multiple companys, and deny a legal less than 7 day buyers remorse after finding out yall illegally obtain a loan in my name. Im requesting this loan be cancelled immediately, and my XXXX payment be refunded, as well as all illegal inquiries asserted by XXXX XXXX removed from my credit report. This is a consumer transaction and I shouldnt have to put money down, because Im extending credit to myself. According to section 15 usc 1605, I shouldnt be paying any down payments, the bank denied requesting this money. Also the amount for the down payment was changed after illegally running my name, which XXXX admitting to stating on XX/XX/XXXX, that he did illegally run my name but it doesnt affect my credit because I got approved for the car, also telling me that my credit wasnt good from the beginning. I feel if any fraud was committed legally I have offer to drop the car off as well as a address for it to be picked up which no one had and its been over 30 days. According to 15 usc 1605 and 1611 this transactions was illegal. A finance charge does not include charges of a type payable in a comparable cash transaction. After I was illegally approved for the vehicle XXXX told me XXXX down then when up XXXX . If the finance charge is the sum of all charges why was I told one down payment then it increased XXXX, why is my insurance premium not included in the finance charges. I was never asked what insurance I wanted so the premium could be included in my finance charge. I shouldnt be paying for insurance separately. Within 24 hours I offered a notice of recession and to drop vehicle off or have it picked up which they denied as well. I would like what is owed to me in damages immediately. I notified the bank who approved the loan I didnt authorize them and was mislead to believe this was XXXX XXXX, and they filed 2 dealer complaints. My vehicle was suppose to be shipped to XXXX XXXX, also they charged me sales taxed for XXXX XXXX but the vehicle was purchased in Ohio, and currently still in ohio. The vehicle was never shipped and the tags are now expired. At this point the dealership is refusing to assist me. The dealership never had my physical id nor my bank statement legally this fraud. The dealership name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Also I filed an identity theft report for XXXX and XXXX XXXX XXXX illegally using my information and to prevent anything else happening.

Company response to consumer: Closed with explanation