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Confusing or misleading advertising or marketing. I INQUIRED so I thought online with USAA Bank, about a loan to refinance a vehicle I currently have as a lease that the lease is about to end, and I was looking for interest rates. When I went to USAA site it took you to series of questions, and never did I know it was an actual credit application since I never put in my SSN There were no disclaimers that this was a actual " credit application ''. I was not looking to apply for a loan since my lease isn't up yet, just looking at options on financing. I was quickly denied in seconds despite ... My recent credit score was XXXX, I am in the end process of refinancing my home loan at a VA lender for a 2.25 % interest rate, Never missed a payment on USAA or any other credit I have which