TCF National Bank Consumer Loan Complaint

TCF National Bank Consumer Loan department,

Vehicle loan Shopping for a loan or lease Wyoming

On - -, 2016 my husband and I contacted - - - to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager - - took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On - -, 2016 - - confirmed with my husband that we were approved for Financing from lender - -. On - -, 2016 we took delivery of our new vehicle. On - -, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from - as - out of - and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that - - sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( - ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( - ) Major Credit Bureaus -, -, and -. Neither of the other ( - ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )