True, but where was I in the loan process? Loan approved and closing complete. My credit was pulled again after the fact (which doesn't happen with every lender BTW).
Look, I'm really just trying to help you out. I'd bury the hatchet (horse?) but as far as I'm concerned there is no hatchet.
But your statement above is mind-boggling to me. Why on earth would a lender pull your credit AFTER closing? In most cases that would actually be illegal. Or perhaps you still don't understand what "closing" is. Closing continues until the loan is funded AND the documents are recorded. And both of those acts must nearly always occur on the same day that you sign the documents. (There are exceptions but they are rare.)
So, I don't understand how things could have happened the way you say unless you were really quick about racing out to buy the car.
The bottom line is, once the loan is funded and the deed/mortgage are recorded, the lender CAN'T back out unless there was fraud or unless you broke some of the conditions before closing.
While what you say might have occurred (rescinding the loan after signing), it would have been very difficult for the lender to do that after closing because the money would have already been irrevocably transferred to the previous lender and the new deed would have already been recorded with the local government.
What makes more sense is that after you signed your documents the lender (or escrow company) did a final review to determine if the conditions of the loan commitment were satisfied and discovered that you had violated the terms of the commitment. The lender then refused to close based on those conditions not being satisfied. That may seem like a minor point but it's not because your loan never closed so they could not in fact have reversed the loan after closing.
If you look at your loan commitment you will see numerous conditions and one of those will address not taking on additional debt. It is not among the "disclosures" but rather a part of the loan commitment contract. You likely had a list of conditions that included a satisfactory appraisal, a clear termite inspection, and other conditions including the following two prohibitions (using different wording):
1. Spending excessively or incurring large debt. This includes buying a vacation package, financing a vehicle, becoming a co-borrower on another person’s student loan or similar actions.
2. Changes in your credit score before closing.
If you find your loan commitment letter you will almost certainly find those conditions either explicitly stated in your specific letter or in additional terms incorporated by reference.
Again, no hatchet. I'm not trying to criticize you. I'm trying to help you understand what happened so that you can avoid the issues in the future, and so that others can also learn from your experience.