Vehicle loan or lease -- Getting a loan or lease -- Complaint #5343795
Complaint Overview
Complaint ID: 5343795
Company: Capital One Financial Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Confusing or misleading advertising or marketing
State: New Jersey
ZIP Code: XXXXX
Date Received: 2022-03-20T12:00:00-05:00
Date Sent to Company: 2022-03-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I visited a XXXX car dealership in XXXX XXXX, NJ called XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) on XX/XX/2022 and saw a XXXXXXXX XXXX. I've contacted them again in about 3 days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive Friday, XX/XX/XXXX ( " in 3 days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''. One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! On Thursday XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around 2 to 3 business days. Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. And to make things worse, I see a car loan with Capital One Bank in my name for a car I didn't even purchase!
Frequently Asked Questions
What is Complaint #5343795 about?
Complaint #5343795 was filed against Capital One Financial Corporation regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2022-03-20T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.