Vehicle loan or lease — The Savings Group, Inc. (CA)

Confusing or misleading advertising or marketing. I responded to an ad for a auto refinance loan from XXXX at a rate of 2.99 %, completing an application online. The application was very generic and did not include details on what I was requesting, but I immediately got notification that their had been a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I contacted them directly, concerned it was a scam, and they said they would investigate. I later received a notice of adverse action denying my loan. I received an email confirmation of loan approval from XXXX from one representative ( XXXX XXXX ), however I ended up speaking with another representative XXXX XXXX XXXX ). I was requesting to refinance my loan with XXXX XXXX to : 1 ) lower the term of the loan from 60 month