Bank of the West Consumer Loan Complaint

Bank of the West Consumer loan department,

Vehicle loan Taking out the loan or lease

I went to - - - - in -, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, - - went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by - - - -.