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Loan opened without my consent or knowledge. In XX/XX/XXXX, I was approved for an auto refinance through Capital One for my XXXX XXXX XXXXXXXX XXXX XXXXXXXX. However, before the refinance was finalized, I traded in the truck to a XXXX dealership on XX/XX/XXXX and financed a new vehicle through XXXX XXXX XXXX on XX/XX/XXXX, which offered a better rate. I called Capital One on XX/XX/XXXX to cancel the refinance. The representative stated that no active loan account existed and there was nothing to close. I assumed the matter was resolved. After the XX/XX/XXXX weekend, I received a notice from Capital One that my first loan payment was due in XXXX. I was confused, as I never finalized or accepted the refinance. I called again and was told a payoff check had already been sent to my pre