I applied to refinance my old car loan with Capital One and went through all the documents and signatures. They called tonight to confirm my address but there was a problem.
The issue is that my lease agreement has "ADU" after the zip. Obviously I did not put ADU after the zip on my application because that's not how addresses work.
The first person told me he could escalate it for possible manager approval as-is but suggested I try a utility bill. Called back and spoke to someone else. The utility bill is in my landlord's name and all my mail goes to a private mailbox. That person said I can upload a car insurance declaration and call back. Next guy says they can't take that. Process repeats...
I ran out of options and asked if they could escalate to a manager. I was told it's a very slim chance, but I'd know in 24-48 hours. I then vented to my friend about wasting my day. She suggested I apply at the CU she uses. Cap1 was the best rate I could find anywhere online, but I gave that CU a shot and it is a better deal. Another 1.5% less APR than C1 is offering me.
TLDR; So, can I cancel my C1 application? Like I said, the documents are signed and they're supposed to be funding it, if they ever decide my address is okay. Do I have the right to cancel? Obviously going to call first thing in the AM, but wanted some feedback if I'm going to get pushback from the agent.
