Vehicle loan or lease -- Getting a loan or lease -- Complaint #6377022
Complaint Overview
Complaint ID: 6377022
Company: Capital One Financial Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Credit denial
State: Louisiana
ZIP Code: 711XX
Date Received: 2022-12-29T12:00:00-05:00
Date Sent to Company: 2022-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it my concern : I extended my credit to CAPITAL ONE for a consumer credit transaction on XX/XX/2022. I the consumer and natural person, was denied credit by CAPITAL ONE. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. As I have proof that i was discriminated against by CAPITAL ONE due to the response I received. ( see attachments ) I also reached out to CAPITAL ONE talked to auto finance supervisor ( can provide recording upon request ) stated that only if they was able to extend credit to me then it would be considered as a consumer transactions I stated that is a violation under U.S.C 1611 because he is giving out false information willing and knowingly. He stated they only do Consumer Transactions and their decision was accurate on Capital One behalf. From my understanding the transaction that was applied was for a consumer transaction and by me using my social security number I extended my credit to myself. I feel like they also violated me of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE.
Frequently Asked Questions
What is Complaint #6377022 about?
Complaint #6377022 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 2022-12-29T12:00:00-05:00.
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.