Capital One Auto Financing Reviews

Up until Sat. August 15 2026 I had no complaints about Capital One Car finance company. My payments always were electronically taken out monthly no problems, HOWEVER, I received a retroactive refund check on Sat. 15th in the amount of over two thousand dollars. Well I called Capital One Bank immediately to verify that this was not a scam check. Capital One did verify it was a good check. I still was not convinced, so I called again and they reassured me it was a good check. I still called again and told them to, "Please make sure this check was not written by mistake," that I cannot afford for this to come back on me.

Very bad experience. I overpaid on a credit card and have been waiting for months to get my refund.

Do Not let these thieves enroll you in auto pay. They will pull your car payment out multiple times even after it's paid and then apologize up and down. Horrible Horrible Horrible and my car payment has been on time every month.

I would give zero stars if I could. A month ago, they asked me to send in my title for the refinance. 4 days later, they said there was an issue on my title with my current lien holder, and they would send it back so I could get it fixed. 9 days went by, and I called to check on the title as I still hadn't received it. Now it has been over 3 weeks, and I call, and they still tell me they don't know why they haven't sent it back. I had to threaten them with a lawyer, and now they are telling me it will be sent out tomorrow. I don't think I can trust them, and at this point, I'm also going to cancel my credit card with them. I will never deal with this company again.

They are not a good company to get a vehicle from. They don’t help you when problems arise and they will have you keep calling back and telling you different information every time. Never Again.

I would never recommend Capital One to get an auto loan. They have truly treated me awful about the situation of being an a cosigner person. The person paid on their loan for four years and six months and was in an accident and they won’t even have the sympathy to take me off as an cosigner and let him pay on his own loan. But yet it would go in and put it as a repo, which is gonna affect my credit for seven years. They have no sympathy. And I have tried to fight and fight to get it off of my record.

I am extremely disappointed with Capital One Auto Finance and the lack of compassion they show customers facing real financial hardship. Losing employment and struggling financially is already stressful enough, but instead of working with customers to create a reasonable payment plan or temporary hardship solution, they seem completely unwilling to help protect accounts or credit standing during difficult times.

"Avoid Opening A Capital One Auto Finance Loan." But if you do, be prepared to encounter an experience that is un-American, unprofessional, and a difficult interaction with their so-called customer service representatives. And with their upper management which is dismissive and indifferent at best when addressing issues concerning their customers. Not to mention:

Capital One auto financing is not worth it. The interest rates are high and they do not refinance, even if you’ve been a faithful customer, without any late or missed payments. AVOID THEM AT ALL COST! Finance your vehicle through a “regular” bank!

Capital One auto finance is the absolute WORST customer service automated line that I have ever called!! You absolutely cannot get a person. EVER!! I have just tried to call them about 25 times and the automated line WILL NOT transfer you to a person. It repeatedly hangs up on you. Every time!

This company has one of the worst customer service/contact options. No human ever answers the phone and the automated options are of no help. One of the worst experiences. If I could leave a "0" I would!

5 years ago I signed a contract with Capital One Auto Finance, for 5 years my auto loan payments in the amount of $426.14 have been on auto pay, for 5 years I have NOT missed payments, for 5 years NONE of my payments have EVER been late, for 5 years Capital One Auto Finance, as agreed, have been receiving their payments and on today, let me remind you that I have less than one year remaining on the auto loan contract and I called into their customer service to get some assistance with putting my upcoming payment on the back end of my now 5 year loan and the agents and manager’s that I spoke with blew my mind. They denied me the request.

Prior to surgery I called Capital One auto loan dept. For the record it would be nice if they spoke clearer English. Anyway I was out of work already for 2 months due to waiting for major surgery, was not behind at that point and made payments on time so I asked if they could take 1, 2 or up to 3 payments and add to end of loan like most companies do due to my up coming surgery. I had my surgery and will be back to work at my very successful business as be explained I will continue to pay on my truck as I have for 4 1/2 plus years.

I applied for an auto loan a few weeks ago, the representative was incredible!! Today I received a handwritten card congratulating me on quitting smoking. (I had mentioned that to Judy **). It truly made my day! I like the personal human touch. Thank you Judy **. You truly made my day!

Capital One Auto Finance violated federal law and IRS notice requirements to notify borrow of 2025 auto loan interest by the deadline of January 31, 2026. On January 29, 2026, I had a 45 minute long phone conversation with a representative and escalation manager. Explained my request to receive this require notice and also explaining the deadline of January 31, 2026 to provide the required notice. Escalation manager advised they would call me back on January 30, 2026 but no one ever responded by any means of communication and then they failed to provide the required documentation by the deadline. Fines, penalties and civil liability are possible against Capital One Auto Finance for this failure.

Fraud. Capital One Auto approving fraudulent auto loans for dealers (m sport motor cars, amg auto inc in south amboy....) & holding the consumer responsible for it. FTC should investigate capital one auto.

I was just on the phone with Capital One auto and a person got on the phone named Patrick. He totally disrespected me. He hung up in my face. He cussed out and totally disrespect me. Told me he didn’t serve naggers of my age, Call me all type of ** and everything.He he talks like he’s from out of town or a foreign person since I had this problem with him, I’m not calling Capital One again.

I have a friend whose vehicle was in delinquent status, She was able to get it permanent APR reduction!!! Listen up customers. If you Don't have the funds for your vehicle. Maybe if you let it go delinquent they will work with you.... They won't work with you beforehand though. I've called and tried. They need you to be delinquent over 75 days for them to be able to help.... Now what sense does that make customers??!!! Absolutely ridiculous.

After paying my full car payment including all past due amounts, I was still treated as if I was nothing. This is my second car loan with Capital One, and I’ve always done my best to keep my account in good standing. Even after showing physical evidence during the repossession dispute, Capital One chose to believe the repo agent’s written statement instead of my proof. I expected fairness and accountability, but instead I was met with disrespect and indifference. Because of this experience, I will no longer be financing or banking with Capital One. I will be closing all of my remaining accounts and taking my business elsewhere. No loyal customer deserves to be treated this way.

VERY BAD EXPERIENCE WITH A BANK EVER.. I send my full balance payment electronically. First time was 10 DAYS FROM MY DUE DATE & it was return to my bank. 2nd time was 4 days from my due date and it was accepted. And after 3 days was posted as paid on same day as my due date. It shows balance is $00.00... On the next month they charged me $97.68 interest. We called them and they said we have to pay it, so we did. In my opinion this is a scam.

I was recently pre-approved for an automobile refinance plan through Capital One, their affiliate. In fact I was waiting on the welcome letter when I received an urgent phone call so I did call them only to learn that they demanded a down payment to close the deal. I told them this was bait and switch and to drop everything. I will never do business with them again.

WORST EXPERIENCE WITH A BANK EVER! DO NOT USE THIS BANK. Interest on my loan is outrageous, the due date wasn’t where I needed it to be so I asked for it to be changed and they said “Sure, that’s 50.00, or add it at the end of your loan and add interest” so I have almost a 30.00 late fee every month. They say they have a 10 day grace period, NOT true, they’ve threatened to report to my credit when I’ve never been more than 9 days late. They refuse to refinance, they said they don’t offer that to their customers, if have to get another bank. How is that good for business? Customer service is always rude and only care about whether you made your payment and where the car is at, yes, they ask me where the car is when I call.

In terms of the management of the loan, it was fine. The problem came after I paid off the vehicle. I had been trying for 5 months to get either the lien release letter or the title. They eventually sent the title, but they sent it to the wrong address, which I obviously do not have access to. It took 5 months, about 13 phone calls, and endless waiting on hold to finally get the lien release letter.

Capital One is a thief, con artist, swindler and the list goes on and on with their rip off tactics. I telephoned to have it explained to me why the interest on the loan fluctuates from month to month. I pay 3x more then I should every month on a weekly basis and yet my interest on the loan is increasing. Spoke with 2 reps from India and 1 manager/supervisor from the US and no one could provide a sound reason. All 3 were talking in circles. Is it so hard to answer: Do I have a set interest amount that needs to be paid off regardless of how soon I pay the principal or am I paying a 5.8 interest rate daily? From the information I gathered from the 3, I am doing both. Paying a 5.8% interest rate daily and the set principal that must be paid before purchasing the car. Either way I am getting out of this horrible deal. Where are the supervision over these entities???

I have two auto loans with Capital One Auto and between my husband & I three credit cards with Capital One. Capital One Auto has to be the most frustrating auto finance department I have ever dealt with. I got married so naturally my last name changed. To handle this process Capital One Auto must "mail" the original title to the local DMV, it's not like the DMV will call you so they in return have to mail you something saying the title is there. Someone at Capital One Auto thinks it's a GREAT idea to send original titles with no tracking number, let's just put it in the hands of the USPS and hope for the best. So with this process, I have been without a legal tag on my vehicle since April of 2025 but I have to make a monthly payment on the vehicle that I cannot drive. I am forced to go to the DMV every week and just check to see if the title is there.

I had an auto loan from 2/3/24 up until 7/24/25 when Geico paid off the loan when my car was totaled. I contacted the seller of the car (Avis Car Sales) for my original loan agreement for a refund for my GAP insurance and the remaining portion of my service contract. which I picked up on 8/6/2025. I received a paid-in-full letter from Capital One on 7/29/2025. I contacted the GAP/service contract company to make sure I had all the required paperwork to send in to them for the refund and was told that someone with Avis contacted them and said my car was totaled and to send the refund to the lien holder, which I never asked them to do.

Run from this company! I have a loan since 5/23 for 20,024. Today they say I owe 19,366. I called many times and have been told AI keeps track of my loan. I requested it be checked into because there is no way I owe this after over 2 years of paying $465 monthly. A supervisor called back to say, it's because of the type of loan you have? I told her an extortion loan! They just reported me over 30 days late when I wasn't. I am filing lawsuits against them and the car dealerships. I just mailed out demand letters. I have bank accounts and a credit card with them and I am closing everything out. I will never deal with Capital One again and do not recommend them.

Capital One has been absolute nightmare. Sent the 10 day pay off and they waited 9 days to process everything. Because of that I had to make an additional payment to avoid a hit on my credit and/or a late fee. The last payment was made on May 24th and now it’s August (still no refund). Each time I call something new or different has come up. I’ve been lied to on every single call I’ve been on with capital one. I’ve filed claims against them through BBB and CFPB. I honestly don’t know what else to do. Capital one should pay late fees and interest in situations like this. They are simply withholding money from people. There a ton of other reviews like this that they keep changing the dates on when we should receive the refund. Will not do any business in the future and will not recommend to anyone. Liars and thieves.

I'm currently a Capital Auto Loan holder, approved without a hassle and paid off 75%, but at the moment, I'm at a loss for another purchase. Whenever I login into my accounts, I'm asked about and encouraged to shop for a vehicle with Capital One Auto Finance backing me up because of my credit score and history. As being in the market, I'm currently "pre-qualified"; however, it is not by Capital One but another financier that I didn't know about before.

They repossessed my truck after being totaled and truck going through the totaling out process because it was in impound for more than 10 days. They did try reaching out but left no voicemails. Been with Capital One for 15yrs and financed 2 vehicles with them but this is the way they treat a good customer. Under last review for reversal but it still doesn't sound like they're going to help clear situation up. And the totaled out is confirmed yet they still seem unwilling to reverse the repo.

I would not tell the person I dislike most in this world to use this company! They are horribly unprofessional and unreliable. Their communication internally is awful, but then communicating effectively and accurately with their customers is worse. We have been attempting to get a title transferred for four months now, and each time we do all that is asked a new “issue” pops up that delays the process and causes us to figure it out. The craziest part is we are doing all this to attempt to pay off the loan, but it feels as if now they are intentionally putting up road blocks so we have to keep paying monthly with all the interest that entails. We have been excellent customers, never missed a payment or even been late. When I say don’t do it, just don’t. We would not use them again if they offered us no interest for 5 years.

My car has been waiting at the mechanic shop for over two weeks to be picked up by Capital One Auto Finance third-party towing. They have not done anything yet and every time I call capital one auto finance I get transferred and suspiciously lose connection each time and I've called back about five times and no one is returning my call and every day my car is at the mechanic shop is being billed a daily rental space fee of $85. This is the worst customer service ever.

Absolutely horrible and I'm at their mercy as I was buying a car. Capital One needs investigated. n I just started my first payment. Won't work with you. No empathy. Can't change due date. Telephone communication is a joke. I'm in tears.

I don't know what their problem of calling me and harassing me. I got a car that was high mileage. The interest rate is double what car is worth. Payment are 546. I taken car to other dealership. Was told they have beat me out of deal. The car got major water leaks. I don't have heat most of time. Everyone says they are best. I paid my auto loan. I thought when I got reduction it be some relief. They continue lie me and just about lost confidence in their wellness to understand. I wish I knew better way. I'm single mom. I'm tired of talking them as if I'm nobody. They trying sink me farther in hole on 2018 Chevy tax. It really sad don't care.

I contacted Capital One to request a deferment or to have one payment moved to the end of my loan. I explained that I’m currently on FMLA due to illness after the recent passing of my husband. I also told them I had just paid for his funeral and have no money right now, but that I’ll be returning to work in May. Despite sharing my situation, they refused to help. I even spoke with someone from the President’s Office named Annett, and still received no assistance. They asked me three questions—every one of my answers clearly pointed to a legitimate hardship: I’ve lost income, I’m not currently working, and I can resume payments next month. Yet, they still denied my request. I strongly caution anyone considering a loan with Capital One, don’t do it. When you’re going through hard times, they will not support you. This has been the worst experience I’ve ever had with a finance company. Truly disappointing. Do not use them to finance your next car.

I can only speak for myself, but I can tell you that I paid off my 2015 Mercedes-Benz GLA 250 with a $13,000 cashier's check and they reported it on my credit as a charge off. This is inhibited me from getting another car loan and cause injury to me financially and I cannot say I am a fan of Capital One until they fix this. This occurred in 2023 and now I am having to backtrack with my bank who I’ve been with for several years, fortunately so that I can locate the account number and prove my payoff for my credit file through Capital One. I do not know if they will help me to approve another auto loan or not, but I am doubtful at this point because they cannot even locate my original loan or that I paid it off without me going through being a sleuth detective to locate the details of my account information and prove to them like a court of law that I made my payoff.

Worse place to have a car loan through!!! They are charging me a HOUSE PAYMENT FOR A DAMN CAR!!! They will not lower my interest rates or give me a better payment! Credit is a lot better now and never missed a payment but they will are not willing to help their customers whatsoever. I’ve already paid this car off and they are robbing the rest!!! Horrible service horrible company!! If you wanna be robbed then they are the company for you!!

Dishonest on every level. Used their app and went in to dealership for car I found on their app and everything on THEIR END had completely changed as far as price and interest although none of mine had changed. I then had to ask for an extension and asked for two months due to wife’s medical condition and was told I could only ask for one month at a time and would have to call back next month which I did and then was told had to request all at one time. DO NOT GIVE THESE PEOPLE YOU BUSINESS OR MONEY. They will rob you.

Keep your eye out when making your car payment. This company is good for taking double payment when you only issued a single payment. Then when you call and complain about it, they automatically say that they will give you a refund within three days and try to make it out like there something you did when you made the payment online. So keep your eye out when you make your payments because these people are like THIEVES in the night!! With no apology or explanation why they took the double payments when you only authorized one payment.

Refinancing my car with Capital One has been an absolute nightmare. I had a name change due to divorce, and sent in the required paperwork. They kept saying they never received it, so I sent it again. Then immediately after sending it, I get an update that they needed more paperwork. They were requesting the name change power of attorney yet again, that I had already notarized and sent in (with their self addressed envelope) TWICE. I called and spoke to someone, and were unable to understand them due to very limited English. They basically told me to sent it again....Long story short they're now calling requesting the same notarized paperwork to be sent in for the FOURTH time.