Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX, an associate of mine asked would I consider co-signing for a vehicle, I told my associate until I saw how much the monthly payments would be I wouldn't be co-signing for anything. 

On XX/XX/XXXX I filled out an online application with XXXX XXXX XXXX in XXXXXXXX XXXX which was supposed to be linked to my associates application. Later that day a salesman named XXXX called me from XXXXXXXX XXXX XXXXXXXX XXXX. He told me that the payments of the car would be around $ 700 monthly. I thanked him for the call and told him that would be too much of a financial responsibility, and that I wasn't interested in co-signing for the vehicle. 

Later that day XXXX called me again and was very rude, he was being very disrespectful, and it was at that moment I told him he was crazy to think that I would purchase a vehicle from someone so disrespectful. We got into a disagreement and then our conversation ended. 

In XXXX of XXXX, I started receiving numerous toll bills in the mail from different states. I did not recognize the car ( XXXX XXXX XXXX XXXX ) in the pictures. I called the toll companies and that's when they informed me that the car would have to be registered to me and my address to receive toll violations. 

I had to go through a nightmare to figure out more information regarding the vehicle. But long story short, XXXX from XXXX XXXX XXXX used my personal information from the online application to complete a transaction and take out a loan for over {$30000.00}, sell and ship a car in my name to someone else other than me WITHOUT MY PERMISSION, KNOWLEDGE, SIGNATURE OR CONSENT. 

I attempted to resolve the issue with both XXXXXXXX XXXX XXXX, and Capitol One Auto Finance with no resolution. I've been trying to contact XXXX XXXX XXXX for months, and no one has returned my emails or calls. The one time I did speak to someone at XXXXXXXX XXXX, I had to drive hours to get to the dealership, and when I get there, no one was available in the finance Department to help me. 

Both parties point at the other company, and both parties are insinuating that because I filled out an application, that my situation isn't technically considered " identity fraud/theft, '' and that I am financially responsible for the XXXX XXXXXXXX XXXX XXXX 

I've tried contacting the Capitol One Auto Fraud Department and left numerous messages with no response. 

When I was able to track the car down, I called the police, and they said there wasn't really anything they could do, I called Capitol One, to see if they could negotiate picking the car up with XXXX XXXX XXXX, in hopes of them sending back the loan money back so we could resolve this issue. Capitol One informed me if they went to pick the car up, it would be considered a repossession, and that I still would be financially responsible for the vehicle. I drove to XXXX XXXX in XXXX, and they said there was nothing they could do and to call Capitol One, or to just report the car stolen. 

This situation has really put me in a bad predicament financially, and absolutely messed up my credit when I needed my credit the most, and it seems like no parties involved are willing to help me resolve this situation.

Company response to consumer: Closed with explanation