Capital One Auto Financing

Nothing on earth could make me deal with this company again. After being out of work for 6 months and scraping together the money to cover payments I had an emergency home repair and can't cover pmt this month and they have no options but to say sorry they can't help. Please DO NOT use them. Find a reputable lender for the love of all that's holy!!! You cannot understand the customer service reps and they have no intention of helping you. But yes...they will ask you to call back every single day for another lie all while they're trying to wreck your credit and get extra fees.

The online process was easy, it is great if you have a good credit score. However this company does not help at all when facing financial hardship. No partial payments, just added fees then you are reported to credit bureaus, even if you try to stay on top of things. They do not care.

Contacted Capital One Auto Finance to enroll in hardship program and to reduce payments as company closed western division in response to Covid outbreak and death of immediately family. They advised this was escalated for processing and the final quarter of last year was being moved to rear of loan and they would place january and Feb on car pay catch up if needed which I did. They removed vehicle from online account, can’t access, they have yet to fix last year's issues showing more due than actual per our multiple connections and have impacted my credit considerably outside I clearly have zero issues whatsoever. I requested immediate arbitration as well with no response. I advised once 2-3 extensions from last year are remedied I would pay remaining balance this month and I have active arrangement in place to ensure we are caught up moving forward. Restructure loan to reduce payment and interest.

I am unfortunately financing my car via Capital One. To start, as a client I was supposed to start paying in Sept 2022 and I did it in August 2022, usually paying a little more to the principal than requested. By the end of January 2023 I had to change my bank account number. I made the necessary changes on my profile at Capital One but the payment did not go through. I was not notified about this, until I checked my account as usual and saw the situation, plus they were overcharging me late fees and a double payment for been late. I told them I am upset because they must contact me first of all to clarify the situation, not just overcharge and treat me like a delinquent.

I've been trying to do a simple name change on my auto loan for 3 months. Their customer service is a joke. They tell you something different every time. Countless calls. I've done what they ask, fax or mail, proof of name change, which I have 3 times. They always say the same thing, "we didn't receive it", or "wait another 7 days and call back." It's ridiculous. They are horrible. I will never get another auto loan from them again.

It is Nov 29, 2022. I have been trying to get my lien release on a car I have already sold to another family member since May. Loan has been paid for years. I never received a release. Trying to get one from them is an absolute nightmare. Never get an auto loan from them.

Despite the loan being paid in full, & despite MANY phone calls, emails, & faxes, Capital WILL NOT give me the title. So now I CANNOT trade the car in... SOOOO frustrating... WORST car financing EVER... Borrower beware... I will NEVER finance with them AGAIN.

Start with opening an account and downhill from there. They require texting. Not everyone in this world does texting or uses cellphones. They offer no alternatives. Their dumb response by letter: "once you've joined Capital One...." which completely overlooks the question: how to join without text or cellphone????

I'm trying to get my name off a car loan that's in my ex husband's name and mine. I called to get a Cosigner Release form - the easiest way to get a cosigner removed from a loan. They refused to go that route. The only thing I can do is pay off the loan, trade the car in for another car, or sell the car. Options that are not going to happen. They won't even refinance the loan so he can keep the interest rate. It just seems to me that they don't want to work with their customers to keep their customers. We've never been late on a payment for the car of credit cards. They prefer us to take the car loan to another financial institution. That's what they said on the phone. "Refinance it with another financial institution because we don't refinance our car loans." I've never heard been treated like this before. Like my business is not worth keeping.

If I could give them -5 I would. Don’t ever have a change in income and ask for an extension. I’ve paid faithfully on time for the duration of my loan. Hit financial snags, knew they were coming so started calling before my payment was due for options. I called for 6 weeks, spoke to over 23 different reps, got extremely inconsistent and unreliable answers for options. Did not qualify for extensions no matter how hard I tried.