Capital One Auto Financing Reviews

I will never use or recommend Capital One once this auto loan I have with them is paid off this year. I have been on Auto Pay to have scheduled payments on the loan paid every 2 weeks. YET, they send emails (5 in 1 year) that state I've missed a payment and will be reported to the credit bureau for late payment. They think just because the payments don't fit in their window of due date, that they're late. I made my last payment on 1/10/25, then received an email on 1/17/25 that I missed my 1/15/2025 auto payment. I can't make this stuff up! I've reported them to all 3 credit bureaus for inaccurate and incessant business practices.

Everything runs smoothly until your last recurring payment. You’ll be pulling teeth trying to obtain your title because “in their system they don’t see your last recurring payment” even though it’s withdrawn from your bank. You’ll spend time making calls, having to make an extra trip to your bank to obtain proof and have to pay fax fees to send information. Will be last time I use Capital One Auto Loan. Holding the title hostage due to their system failure.

I used Capital One to finance my Audi Q5 on a six year loan paid by auto payment from my checking account. The first five years and 11 months were great!! I received a letter prior to the final payment draft thanking me for my business. The final payment was taken on the scheduled day in the proper amount. Two days later, the dunning notices started for non-payment. Multiple calls to Customer Service with no results on their mistake in properly allocating the funds to my account. Finally, an email to the Office of the President of Auto Finance resulted in a phone call. They are insisting that they need 30 days to "investigate" their mistake and cannot speak with me in the meantime. The rudeness is utterly amazing when they have already acknowledged that it was their accounting mistake. Never again!!!! I gave one star because there is no option for zero stars!!

The app is great, but if you need to speak with customer service, then you will run into problems. I have auto loan and credit card with them. Had issue with paying off auto loan. No communication between branches, and very unhelpful about any questions I had. Wasted about an hour of my time with 6 different calls. Each call was like starting over. After I pay off credit card, I will never do business with them again.

What a joke, never missed a payment, never had a late payment. They seem to take what they want in interest each month.. seems the more you pay extra each month, the more they take... how's it legal to take the extra amount each month and apply it to intrest.. I will never use them again....

I do not recommend Capital One. I have an auto loan with Capital One. I moved and have been trying to get my paperwork from them since August 7th to register my car in my new state. It is December 16th. I’ve called every week trying to get the paperwork. Every week I get a different story - none of which is ever their fault. I have requested compensation since I cannot get a permit to park without my new registration and they refuse. It’s been over four months. I should not have to call weekly to get anyone to follow up. I was told today I had to wait another 70 days. 70. Meanwhile I can’t park on my street.

I was told by a car dealership that Capital One approved my loan in November. Here it's time me to make the first payment. I get a call from the dealership in December. "We need for you to bring the car back because Capital One desires to not approved the loan." And then they didn't give me my money back all because the miles on the car. I will not recommend Capital One to no one for anything and if have a credit card with them you never get a raise on your card. They the worst business I ever seen in my life. After you have sign the contract with Midland Volkswagen please please make sure that you are approved before you leave the lot especially if you going with Capital One Bank. Please. Please.

Angelo is the best! Very professional and helpful! Took care of my concern right away! I recommend Capital One Auto Finance to everyone! Very happy with their service. Thank you Capital One for your great service!

I've got 2 C Cards with them and now an Auto loan. Always used direct payment so there's no problems and never late. 1st payment for auto loan went out as planned on October 25th and I come to find out they say they never got it. It's the same setup as on C Cards and never any problems. Sent them bank statement and still waiting. First they tell me 1 to 2 business days and then 2 to 3. Well now it's 3 to 5 and who knows what it'll be next week. 80% of the people on the phone I can't understand and it's getting worse.

This company reached out to me saying I may be eligible for a lower interest rate, so I checked and they claimed they could lower it by almost 3%... Sounds great right? And yet somehow for the same duration of loan the payment would go up 100$ per month! Makes no sense and yet NO ONE at their company could explain it. A specialist "had to call me" cause no one could explain how that made any sense. Only thing I can figure is they charge so many fees to refinance that it knocks it way up. Don't waste your time or energy 'cause they have no clue and are clearly doing some funny math.

Capital One likes to take auto payments out of your account without permission. Not cool. Not ethical or professional. This can cause major bank account issues and should not be tolerated. Not wonder they have 1 star.

I had moved to a new state and followed all the correct procedures and supplied all needed document, multiple times in order to get my car registered. The title department has yet to send the BMV the correct documents to get me registered. It has been 2 years!!! I have had to call out of shifts at work forcing me to live off credit cards. I nearly lost my job because of this. I have called and begged for them to fix this every month for 2 years. They promise to fix it and nothing happens. Since I had not been able to work all my shifts I fell behind on payments, they threatened to repo, and started reporting negative marks on my credit report. This all happened because of their negligence and incompetence. No apologies and still, no resolution. The worst auto finance company out there. Stay away from them if you can.

I was pre approved for an auto loan in November 2023 refinance and was called by multiple agents to send my car title in for the final approval, after 2 weeks of nothing, I called them to see if what the issue was and after going through the process again they said they could not approve my vehicle because it was used as a rideshare vehicle, as for my Title, unless I have a tracking number they could not help me. To this day they have not sent it back.

It’s a shame the U.S. government allows them to prey on its citizens. They’re a fraudulent company. They charged me for money I didn’t owe. Even with showing them proof…. 5 times they tried to clear my bank account. US bank had to permanently ban them from my account.

I can start by saying this company deserves a 0!! It has been a nightmare and the worst decision I have made using this company!! I financed my truck through them from the dealership! Again worst mistake ever!! They have reported my payments late over 5 times to the credit bureau and they have ruined my credit! I have jumped through hoops for them trying to dispute all my late charges but they have done nothing to help me fix it! I would just get a letter in the mail saying it has been denied! I cannot believe that a company this bad would even still be allowed to be in business and continue to ruin people's lives and credit!!!!

Pre qualified thru Capital One Auto Finance. Capital One Auto Finance recommended a certain Auto Dealership. Drove the vehicle for one week and engine issues. Took the vehicle back to the Dealership to fix the vehicle, that was almost three weeks ago. Vehicle still not ready. Dealership got paid for the car from Capitol One Auto Finance already, so they have their money. Now, Capital One Auto Finance is expecting me to pay for a vehicle that I've only driven a week because it's been at the dealership for almost three weeks being repaired. Capital One should do their research before recommending customers to a dealership. I tried contacting Capital One Auto Finance about this issue, but of course NO reply.

Terrible company to finance your car with. Their agents are usually are lost, they don’t value their customers and they NEVER document your account right unless it benefits them. DO NOT finance with this company.

This company is a joke. Asked to speak to supervisors and was told one was available. Car was repoed on April 4. Was told I couldn’t get it back until I paid everything up to date. Looked at my account today April 13 and have a 25 day past due amount of 387. When spoke to representative he stated he doesn’t know why but was told because my March payment wasn’t added in the amount I had to pay when they replied it. I told him my calls are recorded so I was told on the 4th I had to pay everything up to date including late fees and repo fee to get my vehicle.

If I could would give 0. I financed my car for 5 years (60 months) with automatic debit, planning to have a good credit number, in the last installment Capital One canceled the automatic debit before the scheduled date, the bank did not debit my account and when I realized it had already been a few days. Out of 60 installments, only the last one was late because of Capital One, they reported the delay and the car that was supposed to improve my credit ended up ruined by Capital One… I tried to contact Capital One and they didn't want to fix their mistake… I don't know what to do anymore, it's become a nightmare

I filled out a credit app and was provided an approval letter for $43k to take to the dealership. I found a car I wanted online for $20k at a nearby Capital One Dealership but when trying to complete the loan process was told “Capital One did not approve you”. WHAT’S THE POINT??

Capital One's pre-qualification terms are so convoluted that your actual car buying options are almost zero. They have so many stipulations on year, mileage, dealers, etc that it's just a frustrating experience trying to find anything that jumps through all of their hoops. You are prequalified for a large amount (supposedly) that you will never be able to utilize. I was pre-qualified for up to $57k and, when trying to purchase a car that was only $15-17k, they require that I put down $5-6k?! Make it make sense. You call customer service and get the run around so they are no help at all. Financing through Capital One has been a complete waste of time.

Lies, deception, discrimination, under-scoring. I don't recommend it. This is not professional and not respectful. If you think that this is the best option, then I advise you to consider other options.

Well my issue was due to some bad luck with jobs I would say more less. I had to made arrangements with Capital One such as partial payments then catching up by end of the end etc. Trust me I was not running from them but I had no money and at the time still had to have a place to stay, food, electricity etc. This is something that I have done with them in the past with a previous car I owned and that was paid in full. One day I called to schedule a payment, by doing this I have never gotten to far behind such as them looking into repo as anything. I got the man on the phone who said, "How about doing an extension program with us?" Like an idiot I agreed. Well I just found out this person made this ** worse because by me doing that it made me further and further behind and lord forbid if you have to make a small adjustment when you are on this so called extension, which is a disaster waiting to happen regardless.

I had a Capital One auto loan since 2000, made all my payments on time. I recently switched jobs in during the period of six weeks when I did not a have paycheck I am formed Capital One and I will be late a payment, but they will get their money. I even went as far as setting a payment plan to split one payment into two because I didn’t want to be really far behind. My car was vandalized and deemed a total loss two weeks ago and I need to get another vehicle.

Capital One has lied about me missing payments and what the balance is on my auto loan. Even if you believe the data they’ve posted on my reports, when you deduct the payments they are showing from the original loan amount, the balance is so far off that it makes me wonder if the credit bureaus aren’t being complicit in this lie. My only recourse will be to refinance my car, but with them making me look so delinquent, that’s going to be difficult. Steer clear of this company if you’re shopping around for auto loans.

When things are good it is good, because literally no one does anything there at Capital One auto finance. So the system works. However, I paid off my car in November of 2022 and I am STILL waiting on my GAP refund of $923.75 from these jokers!! I have done EVERYTHING. All of the paperwork, all of the research. I have supplied them with a copy of the actual cashed check from the auto dealer and still no refund has been issued to me. This is the ABSOLUTE worst!!!! Like honestly, there is nothing you as a customer can do.

I made the mistake of getting an auto loan with Capital One Auto Finance back in April 2021. I have had nothing but problems with them. I recently got into an accident and haven't been able to make a payment for about three months, they wouldn't make a payment arrangement or anything, they ended up taking my car with my daughter's wheelchair, one of her prosthetics, etc...Over $20,000 in medical equipment and they are refusing to give any of it back, stating that it wasn't in the car...Worst experience ever, I recommend staying away from this business. Now, I have to take them to court just so my daughter can be mobile...

Capital One auto financing has not only been the worst choice of my life. They look for any reason to nickel and dime you and because they financed my dealer's floor plan other more competitive rates were ignored to go with the higher rates of Capital one, I made a down payment because I was required to and with a trade in still have a 700+ payment on a Rav 4 Toyota, which is unheard of if I'm understanding correctly. I think this company is untrustworthy, two faced and evil, and what they do to Americans and their families should be considered treasonous.

Absolute worst Customer Service team I’ve ever experienced. I will never use them again. If they care about their customers, they need to avoid outsourcing to a foreign country with people that have no desire to help; they read from a script only. Just an absolute awful experience.

Capital One did a good job with creating this Auto Navigator process, but it’s highly deceptive! They pre-approve you for a certain amount, yet won’t give you financing for that amount, but will want you to do a downpayment! How about they pre-approve you for what they’re willing to give you financing for without having to ask for a downpayment. Transparency works best.

On Monday I spoke with a Representative #TOL. I informed her my fiance schedule a payment to be withdrawn a day before payday. That I needed to schedule it for Friday to get the account out of the repossession area. She informed me she could not schedule a payment past Thursday and the car could be repossessed at anytime without a verbal contract. I told her I understood that and I was aware I would receive a letter before repossession was assigned. She then informed me if I still have the car by Friday I could make the payment. I told her yes, I will still have the car because it will be in the garage. I then asked if she could put a note on the account that the vehicle will be in a garage. I also informed her I was able to schedule a payment for Friday online even though she stated I could not. I told her I would schedule the payment and call back Friday to make a payment plan.

I have an auto loan from Capital One on 2020 Challenger. The interest rate is close to 11%. I've made every single payment on time and have never been offered to refinance with them for a lower interest rate! Other companies have offered to refinance at much, much lower rates. However, out of loyalty I've stuck with Capital One. I feel like I've made a mistake.

We called to get the 10 day payoff because along with what we have already paid and the 10am pay off it would mean that we would be paying around $56,000. We only financed $46,000. When we tried calling we were hung up on and then when we spoke to the second person she was unwilling to allow us to speak with someone that would be able to better negotiate the amount for the 10 day payoff. We have been paying on this loan for 4 years. Not one missed payment and we always pay more than the minimum payment. So sad this company is not willing to negotiate. At all will NEVER use this company again for a car loan. We are in the market for now because my son is 16 but we will find a different company to deal with.

Not the best company to work with. They have a 200 dollar upfront fee just to pick your due date if you don't like the one provided and they still require the first payment even after you pay for the change.

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.

Beginning in February of 2022, 4 times I have submitted a title transfer application and VIN inspection to change states from Georgia to Oregon. Eight months and I still have expired tags. I was advised on 9/28/22, on speaker phone with a witness listening to the call, that my documents were shredded in July as they went to the wrong department. The first time I sent the documents I called after waiting for weeks to allow ample time for processing.

Capital One is more interested in your vehicle than your loan. If you're a couple days late, they threaten you to pick up the vehicle. It’s like, they don’t want your money, they want your vehicle. The people with authority, including the president, hide. They don’t want to face the way customer service treats people. I’ve offered them multiple payments several times, but they want the vehicle instead. You’re better off dealing with Guido.

I will tell you that once you have refinanced an auto loan through Capital One, if you had Gap insurance on the previous loan then it will not carry over to the Capital One loan, since you are not a dealer. Think twice. If you get in an accident most insurance companies only pay off the wholesale amount and you are responsible for the money left. Including if you rolled old payments into the car, from an older loan.

After being a customer for over 5 years we decided to refinance through our credit union to ridiculous high interest rates. I got the 10 day payoff which was good until 8/8/22, I overnighted 2 checks and they were received and signed by their corporate office on the 8th, they didn't put the funds on the account until the 9th and 10th bc they split up the big amount to 2 separate figures totaling the certified check amount. They then reversed the amounts on the 15th saying our bank denied to release the funds. Mike in escalation stated he didn't think NFCU would do it but if they would honor the check that COAF had then they would honor the 8/8 payoff previously provided.

Matter Resolved.

There are 2 payments that were reported on my credit report as 30 days late payments. They had pushed these payments to the end of the loan making the loan amount higher and there was some payment arrangements they were made and they still reported us being late. I need this to get rectified because I paid on time and never missed a payment. So I need for Capital One Auto Finance to take this inaccurate payment off of my credit report asap.

Thanks Capital One for approving me when others said no. The interest rate you provided me is astounding and very affordable. I'd give you 10 STARS if it was FEASIBLE. Thank you so kindly Capital one.

If I could give a -star, I would - 1 star is too generous. I opened my auto loan 08/20 and because of loss of wages in 11-12/21, I was delinquent with my payments Jan, Feb and Mar of 2022. The representative (who no longer is employed there) was rude, condescending and threatening - in the frustration of explaining and dealing with this moron - he reported me for endangerment to myself and the vehicle to the law dept for making a statement, made in frustration (I might as well drive off a cliff and I will have to secure the vehicle to make sure it didn't get repossessed). I cashed in a coin jar I had and used the $100+ to make the necessary payment - my account was placed in OnLine restriction and EVERY payment has had to be made via phone call.

I went to refinance my car with these people and they outsource their work to other countries so you can't understand the rep. Second they ask for proof of income, which I give, to be considered for a loan. Did that. I'm also a 100% disabled vet so I sent that. I proved to them I made the money I stated and now they want 2 more months of statements. One, when you buy a car and you show proof of income they only ask for one statement but now they want 2 more because the people that are determining your eligibility don't know what they are looking at.

Capital One prequalifies everybody, but when it comes down to proven your income they like to pick and choose. I’m a business owner who had to use their own personal account not their business account to show proof of income, even though I pay myself through my business through direct deposits they made a big deal about the whole situation. Look elsewhere. I would not recommend this bank.

I had an automobile accident back in February of this year. We agreed on a certain amount to pay off the vehicle. When I went back into my account it showed that I still had a balance on my car. Capital One said I still owed interest on a car that was supposed to be paid in full since the car was a total loss. I even called my insurance agent and she said that it shouldn't be a balance because it was paid. Then they tried to say that my guarantee was sent late which was why all the late fees accumulated. No sir/maam. Two thousand dollars of late fees for two months? That is outrageous. Capital one was dishonest. I wasn't notified of a balance until now. I have two auto loans that they receive money on on time. They wouldn't waive any fees since the incident wasn't my fault. Their interest rate is ridiculous. Very unhappy with them and I will never go through them again in the future.

My deceased father refinanced his car through Capital One online referred through Credit Karma. He became suddenly ill over two months and passed away so I made the two payments for him out of my account. Thought nothing of it. 6 months later I look at my credit report and see that they have his auto loan on my credit report as delinquent crushing my credit score but they fail to have me on the title though I am executor of his estate.

As the seven year reporting expiration was approaching, this creditor thought I wouldn't notice the date of the first delinquency changing by one month and one year. This would allow the the creditor to continue reporting for an additional year. I have just begun working with attorneys and researching options as the creditor refuses to correct the issue.

I have tried to get a lien letter from Capital One that is overdue since 12/2019. I called and thought it was handled. The letter never showed up. I finally connected for the 2nd time with someone (after three transfers and 2 disconnects) to a person who was obviously ill (raspy breathing and very low volume). I could barely hear her above the other voices in the background and she informed me it went to the wrong department and that it would take approximately another 20 days to get a letter. This enlightenment only came after I wasted another 30 minutes of my life hearing the same script. Not convinced it would happen due to the circle of conversation. I called the DMV in my county and they said to insist they fax directly to DVM. I called back and did seem to get a person who understood this. We will see.

Have been going round and round with these idiots as they STILL have not received title from previous lender. This is going on for a year and a half. I sent them the SAME information 5 times. I screamed at the last 4 representatives. I called my previous lender who said they were not contacted by Capital One. The previous lender said that I'm NOT responsible to do ANYTHING. Got another call from them today, whereupon I screamed numerous obscenities. The absolute WORST company I've ever dealt with.

I refinanced my auto loan for a better interest rate with Capital One in 2020. I recently tried to sell my car only to be told that the lien holder on my car was not capital one but still listed as the initial lien holder! I have had my loan with CO for over a year so WHY did they never file the paperwork with my state DMV! I cannot sell my car until this is resolved. After many hours of time I have found CO is giving me the run around.

Don't do business with this company if you want to get a vehicle. From Texas moved to Ohio. I can't get my registration since last September 2021. Until now almost every week follow up calling them to get my title that they have to send it to DMV Ohio Sandusky. Paying every month for my temporary registration. Customer service is a joke. This company is incompetent for fixing my title to send it DMV paying every month my car $495. I am a very good payer. It's been 5 months now that I'm still in temporary tag. Never do business with this company again. If in future purchasing a new vehicle never recommend to anyone with this company. Capital One is a joke. NEVER!

All other reviews aside. Capital One got me financed for a Mercedes-Benz. My credit score is lower than 500... Take this review for what it's worth. I did have a nice down payment but still incredible.

As a sole proprietor, 90% of my business is state and federal contracts which pay me via wire transfer each month. I do not receive a paycheck. Capitol One Auto Navigator does not accept wire transfers as a method of income. Pathetic! Offered to share 1099s, awarded contracts and invoices with no avail. Furthermore? A hard credit check at the Dealer (even thought they are not financing) is mandatory. Finally, the 10+ year old used cars available to purchase through the Navigator portal are at minimum 1/3 over priced. I'll sell my current vehicle and either lease through my business or just buy from a private party and not get ripped off. Might cash in on crypto and Nyse and just buy a car outright.

The Worst Auto Financing Ever! "Supposedly" after refinancing with them (7 months ago) they had all required docs on file. Once I had to renew my registration in KS, guess who doesn't have my title or did anything to get my car title from my old lender. They literally waited for me to call to put an investigation through. Come to find out my old car lender hasn't heard from Capital One Auto Financing since May of 2021 and within the month of May 2021, they had sent all required docs to Capital One Auto Financing.

On Dec 13, 2021, I spoke with a rep who informed me that I was not eligible for their COVID extension despite having lost work for about the next 2 months due to COVID but that I was eligible for a payment date change from Jan 3 to Jan 18. I put in the request, received a confirmation email with a PDF statement confirming the request, and thought all was well; I can come up with $500 by then. On Dec 22, I received a letter from Capital One Auto Finance confirming my request to cancel the due date change. Extremely underhanded and dishonest. I never canceled the due date change.

Capital One is great until you have a car/deer accident and your car is totaled. I paid the car off from MY CAPITAL ONE ACCOUNT...and they are telling me it takes five days for the money to go from one of their pockets to another one of their pockets... But the worst is getting me the letter I need. The five days ends tomorrow. My insurance adjuster says she needs a real signature and specific verbiage that the lien is removed. Capital One will only overnight this to me via a paper letter (we do not have a branch in Michigan for me to take my title into)...but also for some reason they cannot just scan and email the letter to me before it goes in the envelope so I can send it to the adjuster to release the funds for me to buy my new car.

June 2020 I purchased a car. So July 2021 due to COVID my hours were cut at work. I logged in to my account. Capital one app it said, "Having hardship we're here for you." One of the questions, "How much time do you think you will need." I said 2 months. Within 2 weeks. I got 20 emails telling me my car note is due. I called them. She asked me the same questions, I told her 2 months. They reported me to the Credit bureau 30 days pass due. How can you get penalized for accepting a offer. You would think Hardship a company would at least wait until the 2 mo. Was up, or inform you that you do have other options before Repo that won't hurt your credit if your situation hasn't changed. My balance was 12,986 so I sold the car for 18,000. Paid off. Kept the difference. Beginning mileage 39,000 ending 42,674. Banks won't tell you that.

I paid every payment on time directly from my checking account. When I paid off my car over a year early they sent my refund to another address in another state that was never on file for me or where the car was registered and told me the check was cashed; oh well. So I never got my refund. Plus they added an extra month to a 60 month loan (there's no 61 month loans.) They're greedy. They owe me money but won't pay me.

Worst customer service! I've been waiting for 4 months now to get my title and I'm still waiting. Each time I call it's a different girl from the Philippines that speaks English well enough for conversation but nowhere near good enough for business. They have given me incorrect information that ended up adding a month to the wait time. They then proceeded to "lose" my uploaded documents but failed to notify me. I only find out about problems with the process when I call them to find out what's taking so long. The wait times are regularly around an hour and then 3 out of 5 times you will be disconnected; some times while you are still waiting for somebody to answer. Everything has to go through "the back office" which you cannot get to in any way. Refinancing through this company was a terrible decision.

Sent them official letter to send copy of title to State of Montana. 45 days later and after multiple phone call this transaction has still not been completed. Currently unable to legally drive vehicle since 40 permit has expired. Capital One representative tells me today this transaction will take another 4 to 6 weeks.

It was easy, some of the dealers did not want to abide by the conditions you set when you do your estimate, but overall great experience. MY ONLY ISSUE!! I moved out of state and had to wait 24/48 hours for my title to be faxed over to the DMV to show me as an owner. Now I'm accruing late fees bc you have to request it. I'm still unsure if they sent it. I called up there and they haven't received so here I am on day 34 waiting. HOPING... this next call will be it. As a single mom companies make money off of penalties and fees. Story of my life.

Back and forth for months over title transfer paperwork. They really need competent people working in the title dept. Unresolved after 4 months is totally unprofessional of what they need. I can not take off work for weeks trying to get this straight during business hours.

Had problems with Capital One Auto refinance from the beginning. Sent POA several times but they claim they never received. Also upon paying off my car nearly 2 years early I have been trying to get the title for my paid off vehicle. Vehicle was paid off in March and now in July I am still waiting to receive a title. Has caused a ton of other issues trading my car in. Have had to spend over $150 in fees so far to get a title for a vehicle that has now been traded nearly a month ago. Customer service has been less than helpful. Title requested again for the fourth time on the 16th of this month and they are telling me it will be 4 to 6 weeks now through regular mail...

I got financed with Capital One at nearly 11% interest. I paid the first few payments and refinanced with another company at 2.14%. Capital One keeps offering 7.79% refinance rate on my loan. I called to opt out, I don't want to hear about refinancing my loan at a higher rate. I had to give them SSN, DOB, zipcode, Street Address to opt out, I choose to opt out for life. Then after the end of all that it said my request could not be processed at this time. I would finance another vehicle with Capital One if it was my only option then refinance like I did, but I'll stick with my current lender.

First, trying to change my last name on the auto loan after I got married is a nightmare. I've been trying to do that for years. I've given up. The app they have To make your payments for your auto loan is trash. They took two payments out instead of one. They overdrew my bank account and refused to refund the money. Instead they said they can send a paper check and that would take 10-14 business days to get to me. My account was overdrawn because of them and they refused to pay the overdraft fees I would have been charged. What a joke!! And now I made a payment on the 2nd. It is now the 17th. I get an email saying it didn't go through. I have plenty of money to cover that payment. They said it was because of my bank.

It took nearly one year and calling for over two months to finally reach someone who wasn't a complete idiot so that they would send my title to my new state. After a year my new state has put a hold on my registration because CapitalOne hasn't provided the title from the previous state. I now have a car I cannot drive legally and no one at CapitalOne cares. They're too big to care. They're awful and I will NEVER use them again. Maybe if you don't move states or EVER have to call them they're ok. Try to get some Customer Service and you're out of luck. Their mantra is to tell you anything to get you off the phone.

I had an auto loan with Capital One and I paid it off in May 2021. My account shows paid in full and states my title was mailed 6/4/2021. I never received the title. I have attempted to contact Capital One but their 800 numbers for auto loans DO NOT allow you to talk to a person. You can only get basic info against the loan details. I sent a FedEx letter to the address in California asking for help. I got NO response. I called the corporate office phone number which only transferred me to the previous 800 numbers that I had already tried. Now after 6 weeks of trying I am going to have to hire an attorney and sue them because I have sold the car but now the person buying it wants his money back since I cannot get him a title.

The past week was just a waste. "Your bank account was overdrawn twice soooo we can’t approve you..." Ok. "Do you have any other form of income." "Hmmm I thought you couldn’t approve me." "Maybe you have another job where you are making another $35,000. Can you pull that out of your butter?" "Uhhhh No. Lol. Is Ashton on the other line, am I being punked!?" "NO. Sorry Justin. You are just an idiot for trying with us." "Ohhh before you hang up the phone can you get one of the famous people that you have to flip me off and perhaps smile at the end of your great commercials???"

Lets Start. Lost Job, Struggled for a bit and had to get a vehicle and Capital One was very Eager to get me to sign the contract and buy the vehicle at crazy interest because of dropped Credit Score, for 36 months every payment was made on time and even purchased the Gap insurance which after I was hit by another car that totaled a 2017 Dodge Pickup.

Capital One does not run car facts prior to financing and displays negligence when issuing loans. They financed my Maserati Ghibli with frame damage for an amount that was not even worth the vehicle. Carvana wouldn't even take the vehicle for $500. They represent fraudulent dealerships ad sponsor them on their auto apps. I will be seeing them in court.

My Capital One Auto Loan is set up on auto draft. It always has been and there has never been a late payment in the 3 years I have had the loan. Last month I received e-mails and text messages from Capital One saying the payment had not been made and to make a payment immediately to avoid late fees. I went online and made a payment. Two payments were taken out on the same day. I contacted Capital One who agreed to refund the duplicate payment however they told me it could not be done electronically and that a check would be sent. I have not received a check. I'm still waiting. My effort to avoid a late fee has resulted in a lot of other fees. These slimy, apathetic dunderheads unapologetically screwed me and I don't appreciate it. I will avoid using any of their services for eternity.

I have two Capital One credit cards and received a pre-approval letter in the mail for a Capital One auto loan. I ignored it for a while until our car broke down and I decided to just get a new car. I called capital one, gave them the pre-approval letter information and they mailed me an official approval letter (I cannot remember exactly what it was called but it basically said I was approved for 50k zero down) went to the dealer, showed them the approval letter and picked our car. Drove the car home. It’s been about 3 years and we have had no problems. I pay every month on time using the website. The loan is nearly paid off. I have nothing bad to say about Capital One. They loaned me money and I pay it back.

First Let me say Capitol One Auto Financing this is my second loan with them and the loan process has always been very accommodating and professional. With this loan they changed the way you could make overages mid stream in the loan, so I had to COMPLY with their new way of doing thins. (One Star Rating) Secondly, I check and follow my credit report like a hawk. 2 and 3 times a week to make certain nothing negative shows up. I have been doing this for years and am VERY FAMILIAR WITH HOW THEY REPORT AND HOW LONG IT TAKES FOR PAYOFFS/PAYMENTS to show up on the Credit Reports.

I refinanced my car in September through Capital One. I have yet to receive my title. After many calls and hours on hold with these people I am fed up. Keep getting the same old story that it's in review. This is some of the worst customer service I have ever experienced. I have been placing calls to them every week or 2 getting the same excuses. I understand being behind because of covid but 8 months is ridiculous! They keep apologizing but the honestly they don't really care because it doesn't affect their lives at all. Working with them falls under the category of "Mistakes made. Lessons learned."

I’d been receiving invitations from Capital One to buy a new car for years. “You’re pre-approved for a new car with financing up to $35,000” is the hook. I’ve had typically solid experiences with Capital One on credit cards I’ve had for the last 8 years so I thought I’d give it a try. So the hook was set, and as I began to shop I wanted a small increase to get the car I wanted so I asked that my secondary income be included.

Capital One approved me for $50,000 in Auto Loan Financing. I went through the process of verifying everything to buy a Van for business. There is no statement nor did the customer service tell me that they don't finance for Business vehicles. I said, "Okay can I shop for a personal car?" Now they told me, "No you can't because everything was recorded." I know they are following policy but it will be in everyone's best interest for the company to let people know that the financing is for personal and not business in advance.

Listen, I read tons of the negative reviews about processes and bad customer service skills. This the is about the pre approval process which was easy and amazing. The dealer experience was the best and we bought the car we wanted and got a fantastic deal. The navigator was both good and bad but got the job done.

I paid off the loan on my truck July 6, 2020. I have called more than 5 times to have them do an "electronic release" on my title. I even gave them the email address to TxDot/titles in case they didn't have it. Every time I have to call I am on hold for more than 30 minutes. Just to be told the same thing "we will send this to the Back Office" - which apparently - no joke - do not take incoming calls. The last time I called I waited an additional 20 minutes to speak to someone on the Resolution Team who ASSURED me this would be taken care of... "Just give us two more days''... It's been 3 and it's not taken care of. Thus, this review. I guess I need to once again call, be on hold, retell the issue, be assured that it will taken care of, call TxDot in 3 days, just to be told "No, they have not released the lien". I'm beyond frustrated.

Approved through Capital One Auto. Purchased a car for 17,000. Put 8,000 down. I make double payments every month. Now owe 5,000 on the car. Was looking to trade in for truck. Applied with capital one auto since I have them now. Makes sense right. No, they turned me down saying I have a bankruptcy from 5 years ago. The bankruptcy was on my account when they approved me for the car. This company makes no sense at all. The truck cost 27,000 after trade-in value. Gives me 8,000 plus 5,000 cash down. Total 13,000 towards truck. Finance 14,000. So now I will just go to my bank or other lending institutes. I have a credit card with them also but now they are denying me because of a 5-year-old bankruptcy that has been there from the beginning. It was a chapter 13. Everything was paid off.

I got a preapproval from them for a vehicle, downloaded their car finder app, and found the car I wanted with CarMax. The preapproval stated I would just pay $500 down. I don’t have great credit and know that, so I was not shopping for a super expensive car. I paid $100 for the car to be transferred through CarMax, then took my preapproval letter with me to look at it. The agent ran the official numbers and Capital One’s financing terms were I had to pay for 60% of the cars value down and they would finance the rest. Needless to say I was very upset! CarMax ended up financing me for the car. Basically to conclude the preapproval means NOTHING!

I refinanced with them in JULY!!! My previous lender sent documents to this TWICE & 6 months later & 7k in payments later, THEY STILL HAVEN'T GOT MY TITLE! Scared to pay it off since they don’t have title!!!! Worst decision EVER to refinance with them!!!

I am not sure what kind of rating to give. I thought that we had a good relationship. Paid my car payment on-time. I had two returned payments at the same time. I am not sure how that happened but I immediately corrected it and I still was not late on my payment but Capital One would not pick me back up for an auto loan when I traded my car in. The reason was the returned payments. Also, the outsourcing of customer service is awful.

In December I became positive with Covid. So I reached out to Capital One because my finances were not the best in December and January. My payment came due on December 27 however I made a payment arrangement with capital one on January 11. The representative said that I could break up my payments over three months to help me get back on track. I obliged and gave him my information for automatic payments. My car payment is 585..but they reduced it to 444 and the payment was made. Just recently I received a 30 day late noticed for non-payment. I called capital one to discuss why this happened and he said although I was in a payment plan it doesn’t stop me from going late.

To Whom It May Concern: I am reaching out seeking an IMMEDIATE resolution after waiting nearly 30 days to have my account updated to reflect the agreement which I signed for with Stone Mountain Toyota on 12/28/2020. After patiently waiting and contacting your company on three separate occasions prior to this writing, I am shocked to see that Capital One still refuses to update my balance/amount due according to its 3-5 business day promise. NOTE: My last contact was 1/25, during which I was advised that the updated information has been received/verified by Capital One as of 1/2/2021, yet my account has still not been updated through the IVR system, application, etc as of 2/1/2021. Capital One refuses to accurately present my account status in order to allow me to make the agreed upon payment vs. simply maintaining grossly outdated/erroneous information that only serves to unfairly profit off of invalid payment amounts.

I was ecstatic to receive finding form capital one auto finance. Thank you. 8.9% the lowest I have ever received. I ordinarily pay 18 to 20 percent. Thank you. They financed my Ford 2018 4 x 4 XLT. So happy. Thank you. The big wigs looked the other way. I pay my bills.

I have been with Capital One almost 4 years. I have a credit card and had an auto loan with them. I just made my last car payment of over 15k the 1st week of January '21. Since this was my wife's Acadia I figured it was time to buy me something nice for a change. I used Auto Navigator to get pre-qualified and that was good for 31k. I found my perfect vehicle at the dealer and when the application was sent to Capital One it came back that I had to lay down 27% and they would pay 73% to get the deal done. I have never missed a credit card or auto loan payment AT ALL and this is the reward Capital One offered me for my loyalty. I went through JP Morgan Chase with only $750 down and 8% interest which is better interest I am sure I would have received from Capital One. Ahoo around guys and remember loyalty doesn't matter to anyone.

Recently paid off my car. Still haven't received the title. While researching how long it might take to receive it I came across all these reviews, and decided to leave my own. I appreciate Capital One, for financing me when nobody else would. Was self employed for my first loan in 2016, and it was close to impossible to get an approval with my less-than-stellar credit. Cap 1 gave me 9% which is bad, but not BAD. I financed two other cars through Capital One afterwards. My credit is over 700 now (I'm also no longer self employed).

Payment made to company in Feb 2020 and enrolled in Covid 19 and they still reported adversely to CRA’s. Contacted Office of the President and despite call logs, payment reflecting on their end under 30 days and clearly posted covid they state it is accurate not sure how that’s possible but cool story. As if that in itself wasn’t intriguing enough after I see that I find out that Jan 2020 that was said to have been zeroed out and out at the end of the loan during death of an immediate family member also got record on as 30 days past due. The service is less than impressive to say the least. Everyone has their own story in all aspects or dealings but in this instance their disconnect in service is quite telling of their practices and culture.

So I was leaving Texas going to Ohio I was going to just purchase a used vehicle. Went to ripoff dealership Clay Cooley. They suckered me after 8k down on 9k I paid 3x value paid in two payments. They aided.

Resolved.

Due to covid I lost my job. My new job does not make as much as I did when I bought the car. I called to ask if I could pay $100 less a month for 6 months. They said because of covid they can not help me. They can extend my payment by 15 days but it will cost $400 at the end of the loan. During a pandemic they see it as a money grab to hurt people who are already hurting. Shame on this company. I am going to pay off my car and close all accounts and NEVER do business with this company again. They are heartless and do not care about their customers.

Paid my car off - copied and pasted my account number and routing number from my bank. Five days later it was returned by Capital One. When I called, the representative told me this happens routinely and that I should have used my debit card. So she helped me to pay off the amount again (5 days later). I got a bill for $32.03 for interest charges for the 5 days. I called back to have them fix and they refused. After talking to two rude representatives, I paid the $32.03 and told them I would definitely pass on the review they deserve. NEVER will l ever do business with Capital One again (sorry Ms. **). It's the principal - anyone else would have made their customer happy by fixing "their" problem.

I never leave bad reviews unless it's really bad. I refinanced with Capital one about 6-7 months back. I sent all the required documents to get the copy of the title so that I can register. It’s been more than 2 months now and every time I call, they say it’s in the process. Sometime they even say they haven’t received the documents even after agents already verified that they received in previous calls. I haven’t been able to drive my car as the registration is expired and I cannot renew it since I don’t have the copy of the title.

Worst company ever to finance a car with. We have financed with them over 5 years and have under 2 years left on our car. I have never once made a late payment to this place. Never once until this month. I called them to ask them to waive my payment this month. We have had to buy a new fridge and had 2 flat tires back to back. No late payments ever and no they cannot waive my payment for this month. Makes no sense whatsoever. Not only did they not waive the payment but they asked me tons of degrading personal questions about my finances.

I was extremely impressed with how quickly Capital One had me approved; the dealership, Marano & Sons in Garwood, NJ, which is one of their approved dealers, made the process so easy. I really thought it was too easy! I would recommend Capital One Auto Financing without a moment’s hesitation. Great rate, great service and very responsive.

If you have other options I suggest utilizing them. I've never seen a company with such poor customer service and lack of knowledge of how their own processes work. It leaves the customer feeling like they have been scammed. I paid off my Infiniti in June 2020 and have never received a title. All my phone calls have resulted in confusion as customer service reps tell me different stories each time. I was even told to wait just 2 days and it would arrive (it never has arrived). They have placed blame on the dealership, myself, a 3rd party company they say they contract out titles to and our state DMV. I wish I had researched this company prior to financing.

I am currently financed with Cap 1 and they failed to transfer the title to my new location sent to them in 2019. They now want me to pay for an old state DL all the back fees to the DMV since the title never transferred but my car was registered in the new state and I have a new DL just missing the title. I have no choice but to sell the car. I have not lived in the original state in almost 2 years and they want me to renew my DL and renew the registration for fees of over 1000.00. I have all the emails, phone records and all to back this up.

They recently repossessed my vehicle after turning off my autopay and then not calling me to let me know payments were missed. When I spoke with them, they explained that I myself had requested that they shut off my autopay and then called back to request that they do not call me if there are any issues with my account. When I noticed that they towed my car out while I was at work I called them immediately and made payment over the phone. The lady explained everything despite the fact that she was wrong, but I did not have time to debate it because I was at work. I made the payment and told her I would call back after work to discuss. She tells me they are charging me an additional $515 in repossession fees. That is almost twice my car payment!

Capital One requires income verification in order to finance. Due to self employment I am unable to provide paystubs so it defaults to checking account statements. Capital One will not accept checking account statements that are DBA accounts, they require personal accounts only. Even though the DBA is a sole proprietorship and I am 100% owner. Capital One expects me to have a second checking account for no other reason than to transfer money for their approval. Ridiculous.

If you have other options I STRONGLY suggest utilizing them! I've never seen anything like the scam operation they are running. Your pre-approval letter is COMPLETELY different than what will actually be offered when you're at the dealership. They offer you a certain amount, quote you a ballpark interest rate specifically for you and then do something totally different when you have selected a car and are filling out paperwork in hopes of squeezing more money out of you.

My auto loan was paid off and had an 100% record not even once late and paid extra every month. As my loan was paid off Capital One sent my title to a wrong address and told me it was my FAULT that my title went to wrong address??? OMG, what an insult. Then they said that cost $2 to correct it. The FedEx cost alone is $25 and my lost wages for the day is little over $300. My total lost is around $340 and they have the nerve to tell me is my fault that title went to wrong address?? I have the electronic record of my change of address and they have record that matches mine. They have refused to correct the issue. I have to now file complaints with the state of Texas. You can contact me by ** and ask for my phone so we can talk. Do not get loan from this careless people.

My car was supposed to been paid off in 2019 but never was told or received any papers stating that I had to have an extra year because I got a repo on the vehicle. After the last payment on the car they said I still couldn't receive my title because now I owed on the interest but the car was paid and nothing else could be added on. Found out that was a lie. Was out of town. Paid a payment. On June 30, 2020 came home to them taking my car again. I will never advise anyone to do business with this company. It is the worst and all they do is try to keep people paying on a vehicle that should have been paid off long time ago.

My CapitalOne Credit Card. Account ending in **, I have had for numerous years now. I have only that account in my Capital One Dash Board. I recently received another CapitalOne Credit Card, and now I am showing a Auto Loan ending with ** also. I have been calling CapitalOne Auto Finance number and told that this account is still not paid. I have the information on this account: ****** last payment is November 16, 2009. This is delinquent for 11 years. The statue of limitation is past due, due to time-barred this account should be relinquish. Fitzroy **,

So I had been told that Cap One Auto Financing was a bunch of crooks and never would make your payoff but this is ridiculous. My bank overnighted a cashier's check to them on 6/5/20, they received on 6/8/20, deposited the check on 6/9/20 and swear they didn't received it. I have all the backup. Now they are "researching it" and it will take 3-5 days. In the meantime they are charging me interest and late fees. Look at the reviews Folks -- DO NOT DO BUSINESS WITH THESE PEOPLE.

If I could give zero stars, I would. My husband and I are in the process of trying to purchase a house. He had ONE late payment that was his LAST and FINAL payment on his car loan. He paid it late due to losing his job to COVID. However, he still paid his car off IN FULL during a pandemic. He has had only two late payments in 5 years. This late payment is the only thing between us being able to purchase a house or not.

I financed a 2017 Chevy Cruze in November 2019. Due to the fact that I have bad credit Cap One is the only lender that approved me with a 16.8% interest and took the offer since I was in desperate need of a car. Fast forward a couple months later, my payments get returned, none of my payments are going towards the principal, just the interest. I can't wait until my credit is better and can refinance with a credit union. I will never finance another car with capital one again.

I had this loan with them for over 4 years and I had some life issues happen to me and fell behind a few payments. I've called them and talked with a manager trying to work out something to help me get it current. I been making my payments every month I just can't get the few past payments caught up. I have a limited income and their option was a large amount up front to move one payment to the back or spread it over 3 months. If I had a large amount to give them I would have already sent that in. If they could just put one payment on the backside and spread the rest over the next 2 or 3 payments I could be all caught up.. They will not help me in that way at all and yes I've talked to a few different people there. They're not being reasonable for someone that has a budget to work within or very passionate towards their customers...

We received financing through them in 2018. We lost our jobs and immediately contacted them requesting if they would work with us and was told absolutely not. After 18 months of no missed or late payments, this refusal was a surprise. They repossessed the vehicle. After that they offered to work with us, now that extra charges have been accrued from the repossession. They informed us that the vehicle would be auctioned unless we made a good faith payment and then they would modify our loan. They put us through this for 3 months. They never once sent us a Intent to Sell letter which legally they are supposed to. Never notified us of time and place of said auctions, which again they are legally supposed to.

I refinanced my car with Capital One, and asked them to remove my co-buyer from the title as well. They asked for power of attorney from both parties and promised to take care of everything. After like two months the previous lender (Mercedes-Benz financial services) called me and said that DMV needs my authorization to lift a hold that for some reason was put on the title. I called capital one and they said as soon as they receive the powers of attorney they'll take care of that.

It took 3 weeks get through. Then after waiting long period of time, they pick up and say they are system error and hang up in your face. Finally got through and they questioned me about my finances and why I was in need of help as they hadn’t heard about what’s going on with our nation. I broke down and she continued to question me. 1 month & 20 minutes later I was told they could push my payment till the end of my loan. Shame on them. No compassion.

Due to COVID19 my finances have been affected terribly. I have attempted to contact Capital One for three weeks to see if I can have my car loan deferred. They are one of the only finance companies that I know of that is not giving 90-120 days for deferments. I cannot get a response. I attempted to do the deferment online, but was only granted one month. I can't send an email. I can't get through on the phone. This is ridiculous! This is traumatizing to have to deal with this virus, but to also have to deal with non-caring companies is out of the question. I need to speak to someone and I can't seem to do that. If I was behind on my car note, I bet I would be speaking to someone, COVID19 or not. This is terrible. And I have lost all respect for this company.

Bought a new car last fall. Have been a longtime GM/CapOne card holder, used my rewards points numerous times and got a comparable interest rate to that of my credit union. Fast forward six months. I started paying closer attention to my payments, extra principal paid, and the amount of interest accrued each month. THE INTEREST CHARGES NEVER CHANGED. Always the same per day amount. WHAT???

Not the best, not the worst. I was reading all the reviews and I have to say that I haven't had any of these issues. I have had 2 loans with them. First, one in 2014 and a second one in 2016. I have been late on payments many, many, many times. I was always able to make arrangements to avoid repossession. The reps were never rude. In fact, I'm the rude person. Right now my car is being totaled out due to an accident. We'll see if behavior changes. I did read a couple of posts on this website and thought y'all were idiots. Lady, close that back account or pay a flat fee to your bank to block that monthly payment. Plus, I never do automatic drafts. I've found that all companies will charge you earlier and earlier each month. Honestly, I'll probably get another loan with them next week after all this business is finished with the insurance company.

They are horrible! Lose monthly payments and no credit your account then send you repossession papers and when you call to verify your payments taken from your account, they call you and your bank lists and demand blackmail money to be able to keep your car. Horrible! Will never finance with them again, not even a popsicle.

I purchased a Rav4 in 2017 (Exeter Finance). Had it a year, never missed a payment. Capital One refinanced it for me in 2018. I made a payment on December 20,19 for my 2017 Rav4 amount 443.40; my payment wasn't due until December 26th. I purchased a 2020 Rav4 December 26 '19. Different finance company. Capital one didn't receive the paperwork until 01/23/20. My refund amount is gonna be $26. This is why I'm confused. Shouldn't I get a full refund or capital or close to it.

I am a body shop owner and I was working with Capital One dealing with a customer's car. After speaking with an agent, I was informed that the car we were working on was up for repossession. I then was very helpful with the agent and Capital One in working with them to make the pick up as easy as possible. They informed me that the storage fees that the car accrued would be paid upon pick up and at that point, I could hand over the keys to the Repo agent picking up the vehicle. However, the car was picked up without our knowledge after business hours and we did not hear a word from Capital One or Repo agent before or after this happened.

I recently fell behind in my car payments because of a financial hardship. I tried to be proactive and call them to get an extension on my loan. Like many others, my account did not "qualify"! Keep in mind I've had my car for 3 years and have never paid late or missed a payment! (Not sure what qualifies you.) They said my account was still considered to be in good standing so the system is not generating an extension option. They mentioned the account needs to be delinquent. So I waited until my account is now 20d past due and incurred a late fee.

My 2013 Nissan Pathfinder was financed through Capital One. December 5 2019, my vehicle was deemed a total loss by my insurance company. My vehicle was paid off by my insurance company to Capital One. Since Capital One received their portion of what was left on the loan, THEY HAVE BEEN TAKING THE CAR PAYMENTS OUT OF MY CHECKING ACCOUNT. I called to let them know of this error and the representative hung up on me. I called back and was told that no payments were scheduled to be taken out which is a complete lie because the money has been taken from my account from Capital One. I fear the payments will never stop and I will never get my money back.

I would not high recommend the auto finance department for Capital One. I went to try and forward my auto payment to the end of my loan and they wouldn’t do it for me. I’ve never done it before we are always good with our payments but I had given birth to my son 8/31/19 and after having him, my heart went really bad so I had to stay in the hospital for weeks. They ended up doing heart surgery on me in September. Bills were hard at the time and we researched our options as far as getting our bills together because I wasn’t being paid while going thru my heart situation. I called capital one, asked them about forwarding that current months payment to the end of the loan, the lady went through my acct and stated, "I’m sorry we can’t at this time." I then asked why, and she said it’s the because the system won’t let her.

I purchased my brand new car in May 2014 and received financing, via the dealership, through Capital One Auto Financing. I paid my car off on 12/13/19, 9 months early. I received the lien release paperwork for my car from Capital One on 1/2/2020 and was successfully able to get the title transferred from Capital One, as the lienholder, to me at my local tag office. During the years I was making car payments, I never had an issue making payments on their website or any issues with Capital One postings payments. If I was to purchase a car again, I would consider Capital One Auto Financing because the process was seamless, for me, during the 5.5 years I had a relationship with them.

I financed a vehicle with Capital One; during the time I was approved for the loan, my credit wasn't good. Fast-forward some two (2) years and my credit has did a 180. I contacted their office (having to request a Domestic Customer Service Specialist, twice): I inquired about refinancing with them (in an effort to lower the interest of the loan).

I have been with Capital One Auto for about 2.5 years now. A few late payments, well because life happens. So I get a call on today and I let the rep (foreign) know that I have a payment set for Friday. He responded, "Okay well just don't forget your monthly is still due on the 24th." Okay cool. As I proceeded to hang up, I hear him say. "That's why ** shouldn't get cars if they are poor and need to learn how to pay bills." I hang up to call to speak with a supervisor who is sooo dismissive to what I'm saying. I have no reason to lie about anything like this. So I'm leaving complaints on every platform. I would rather deal with a repo than deal with these people any longer.

Capital one is a bunch of thieves and liars. Never pay online and by the way I pressed one for English. There is no way they will continue to be in business they are disgusting liars. I don't owe enough on my car to refinance and you had no chose with my Walmart card but I am looking into closing my card now.

I financed a 2016 Chevy Sonic through Capital One Auto. I incurred medical bills towards the end of the 2nd year and switched jobs during the 3rd year. I asked for a deferment to assist me initially receiving medical bills so I could maintain my car note payments. I had 5 co-workers at the time who also were experiencing financial hardship and to my surprise, discovered they had requested a deferment and that allowed them to put their past due payments at the end of their loan. When I called to get assistance, they told me they'd never heard of a deferment. I asked for a supervisor, they said as long as they've worked there, they never heard of a deferment.

I traded in a truck which was financed through Chrysler Capital, when I asked who the new loan was through they said the same co. I get about 8 mailings a week from credit card co. so wasn't paying attention when I received mail from Capital One. By the time I realized my auto loan was through capital one I called them up and paid all the past due and late fees. They reported the late payments to the reporting agencies and when I called to explain what had happened they were extremely rude and told me "they only report late payments, not what happened or any explanations and that would make no difference anyway." I tried to ask several questions when I thought she was finished and she would start in again "We don't make explanations. We just send in late payments, we can't lie for you". They are a nightmare and I would never deal with them again in any way! It's no wonder they have to send out so many solicitations!

I want to give them zero stars. I was able to get financing through Capital One Auto Finance. I paid my very high payment early every month. I kept full coverage insurance on the vehicle. I even have GAP insurance. The problem happened when my car was in an accident and was towed by FHP to a tow yard. The tow yard sent a notice to Capital One advising them the car was there and it could be auctioned after 35 days. Capital One repossessed my car before the insurance company was able to get it moved to the body shop. Capital One required repo and impound fees to release the car to the insurance company. I paid the $641.60 ransom. Capital One provided release.

Beware! Bought a car with Capital One Auto Finance about 7 months ago. Someone unfortunately hit and totaled that car out. The loan was paid off by the insurance company with a single check for the full amount. Capital One states they only received $6600 of the $13,600 that the insurance company sent over. I immediately call the Progressive Insurance adjuster and asked her for the confirmation numbers, address, and amount that they paid to Capital One. The insurance adjuster verified that they sent the $13,600 check to Capital One and Capital One cashed the whole $13,600 check.

The dealership finance folks used Capital One because they did have the lowest interest rate. Setting up auto-pay was easy and worked without any issues. When it was time to sell my car, they were a nightmare. The customer service folks were hit or miss as far as understanding of company policy or processes. They made it so difficult to do a simple thing like selling a car; being an auto finance agency one would think that they would know what to do...not the case. I had to call repeatedly to ensure I had the correct information as on several occasions I was told things that were absolutely not true. I had to work with the DMV, town office and private bank to get the answers I needed. Very disappointing experience, wildly frustrating and as a result, I will never do business with Capital One ever again.

I have never missed a payment. I have never been late. Life happens and they will not work with you. Others will but not Capitol One. Stay away. Things happen and they won't even do a 1 month extension.

I have spent weeks and attempting to have my title sent to Forsyth County Georgia License Tag Department. In addition, each time I call, I have spent over an hour on hold. I am now incurring penalty fees because I am unable to register my car. Finally, my financial information was exposed due to Capital One being hacked.

I was involved in a collision, caused by another driver rear ending me. I called the other driver’s insurance to report the claim. They accepted responsibility and offered a settlement for my vehicle, because my car was deemed a total loss. State Farm said they couldn’t pay anything out to Capital One until they received a letter of guarantee from them. Capital One sent the letter of guarantee to the wrong fax number, so State Farm contacted them and gave them the correct fax number and still a week later no letter of guarantee has been sent. Meanwhile I’m paying interest on my car daily. I asked Capital One why I was being penalized for their negligence and they started blaming State Farm. Not to mention they still haven’t applied an $1,100 check that was sent to them for my vehicle. I will never do business with Capital One again. They are incompetent and it costs the consumer money.

Accidentally overpaid 2 months. Called me non stop 6 months saying I was late a month. Then I actually got behind, will not give me extension offer one did not inform me that I had to pay specific amount thinking the extension went through. BAD STAFF. SAD $CAM. God bless driver jobs Uber, Lyft, I don't know how I got approved for a loan that high yet could not get a loan for 5000$ for used safe car. ONE BIG SCAM.

I've been with Capital One Auto since 2015. Car will be paid off in another 3-4 months. I managed for 3 1/2 years to pay my payments on time until recently falling behind. I called. Spoke with a representative and arranged for an automatic payment to be debited from my checking account only to find out a week later the payment has not been debited and threatening voicemails left they are moving forward in the matter.

I used my Cap1 app and paid off my loan. It said I owed 2660.61 so I paid that and fully expected to see a zero balance the following day. Nope. Apparently because I didn't designate it to the payoff department they just split it to a monthly payment and then the balance and charged more interest and now want another r170.00. Who knows if I pay that off where they will add more fees and keep my title. I will be looking for a different company to refinance my new car, paying off both credit cards and ending my relationship with Cap1. Pissed off in Az.

I had informed C1 that I sent my truck to a shop and they beat out of $500 only to send my Honda to Honda dealership to get fixed a different engine even with warranty had to pay $1000. Engine went out within 2 weeks. Called C1 back to see if they hardship for customer. "NO". Talk to supervisor Maria. I was told I could take truck in to do even swap. When I get to dealership AC Motors C1 denied me for the swap knowing I had car note money but they rather for my grandchildren and me to be in an unsafe truck with Minnesota winter's being below zero 7 months out of year. My son was murdered and his children I spend a lot time with and we're always on the go. Thanks C1 for showing me how much you care about your customers. You lied and lied and try to make me take all my money and pay them for unsafe vehicle. Very disappointed in their service????

To start, their auto-generated emails accusing their clients of not having taken action when the only action/inaction is on their end?? They call USPS and their clients liars....refuse to correct themselves (or accounts). At what point does Capital One take responsibility and act accountably for its REPEATED failures? Second: I would like a formal apology, monies paid for unnecessary days missed at work, SEVERAL notary fees, Postal tracking fees, new ID Theft protection accounts (where are those forms Capital One????), and the account made current with both (although you got 2 copies from me and 3 or 4 from my estranged, oh, legal fees for communication with him, HUSBAND....all of which sent back in with your envelope, or, if not, with USPS tracking) POAs noted-- & no more abusive letters from the inept staff with Capital One telling me what we didn't do within hours of all email and hard mail requests! 3. Lastly, there needs to be training for everyone in the auto finance department on record keeping, filing, customer service, etc.

My vehicle was stolen. I spoke to them about it and all they said is, "Keep us updated," I asked, "Can payments be delayed until situation is resolved?" The rep told me that I'm still responsible for payments even though my vehicle is stolen!

I had intended to use my bank, USAA, to finance the car. They had a rate better than the dealer first offered. After a short time they convinced me that going through Capital One with the same interest rate as USAA would require less paperwork. As I look back on the process, I realize that any time I would have saved was wasted going through the application process. I don't regret going to Capital One but the next time I'll just use my bank. One less company to deal with.

Loans made under the guise of “special financing” for those rebuilding their credit are totally unfair because of the exorbitant interest rates without the possibility of reduction (refinancing) with successful and continued on-time payments.

They make it so easy with automatic payments. Never have to think about it. Website is always available for viewing and really never had to speak to a representative. That’s great. Less chatter more business.

Capital One Bank gave me low interest rate when I purchased my vehicle. They offer good service and I'm extremely happy with them. Also, Capital One has many branches throughout my area and areas I travel to.

Wonderful service, they even beat the interest rate my credit union offered. When we had questions regarding account they were answered fully. I would recommend Capital One for anyone. They did great by me and my family.

Financing through Capital One was so easy - I actually did it through their website over the phone - quickest and easiest I’ve ever done. I’ve recommended them to anyone I know who needs a better rate and great customer service.

I have been a loyal customer with Capital One for many years and I also have an excellent credit score. There is absolutely no reason for me to be paying 10.5% on a car loan. I have had my previous car loan with Capital One and was paying 3.74%. Now I financed a used vehicle and am paying 10.5%. Ridiculous and am looking to go somewhere else.

I have used Capital One numerous times for other credit services. When I purchased my new Toyota Tacoma, Capital One offered the best rate. You can’t go wrong with Capital One for any of your credit or financial needs!

It was so easy to accept my loan and I found it so convenient to pay online monthly payment. I recommend this company to apply for when it come to car loan. A lot of other companies request an adjustment to the loan conditions but Capital One accepted it on my condition.

I have multiple accts and they overcharged me on interest rate. They were supposed to be a preferred lender and I found out they were overcharging me. I went to my bank credit union and not only got my interest lowered several points also was able to get GAP warranty and car warranty for a third of the price dealer was charging to use them as a preferred lender. I'm currently looking to refinance my other car loan I have with them because I was charged too high of interest rate. I have good credit.

Moved into a new state. DMV needs the title from Capital One in order to register the car. I have been calling customer care for last three weeks. Still haven't got the title. Utterly frustrated. They keep lying.

The people was very informative and friendly. It was a pleasure talking with someone made you feel like a friend and you choose a great company to finance your car. I will definitely tell my family and friends.

Capital One doesn't look out for the interest of the consumer more so of the business! I'm very disappointed in my loan that the dealer shoved down my throat. Never received a call or letter from Capital One asking me about my experience with the dealer!

Easy to work. Rates are great, competitive. Fast & reliable, best in the current competitive market. Check is available up to one months. Would like to work with this bank again in future but have very strict guidelines.

Sick to my stomach, but it pays to have great credit though. I got a really good interest rate. I plan to pay off the balance in short order, until then the vehicle won’t be driven much till it’s mine.

Capital One customer service has always been easy to deal with. The loan was quick and easy with a fair interest rate. My questions and concerns were addressed with knowledgeable representatives. Also, the app allows you to track your loan easily.

Respond back to people that apply even if they have bad credit. At least tell them what their options are or how much of a deposit they would need to come in with in order to be approved even if it is a used car.

I did not plan on purchasing a new car for at least 10 years. Well, the VW TDI debacle changed all that, so I sold my Jetta TDI back to VW; researched replacement vehicles; chose a vehicle; applied for loans. I had a sizable chunk left over after paying off the Jetta. I secured a loan from Capital One at a competitive rate, and proceeded to purchase an Elantra Sport.

Capital One is very good at working with people that have challenged credit. I will definitely use them again for future purchases and credit cards. Also, I would recommend them to anyone. Thank you again Capital One.

I am beginning to establish my credit and credit score and I was quite honored to have a firm like Capital One approve my loan. They have given me a chance by having faith in me and I will not let them down.

I had a FICO score of 823 and yet did not receive the best interest rate from this company. The place I bought the car from recommended this bank so I went along with their choice. In hindsight, I should have done some more shopping around.

When I bought my car the dealership set up financing and Capital One was my designated bank. The website is nice, they send monthly reminders so if you miss an email it is best to set up auto pay because you will not receive any booklet or statement in the mail. Good communication in letting you know when a payment was processed. All in all a good experience.

I have never had a bad experience until recently. We have never missed a payment, and have never been late. I was diagnosed with Cancer in Feb., and had to have half a lung removed in May! This has caused us to have many bills piled up and or late! We do not like to be late or behind on anything and we never have been before. So we put in a call to request an extension and to my disbelief we were refused! I am so very disappointed in Capital One. They do not care or have one drop of sympathy for people having a hardship due to cancer! It is a shame, I can't believe the cold-heartedness of these people! SHAME ON YOU CAPITAL ONE, I PRAY NONE OF YOUR FAMILY EVER NEEDS HELP AND GETS REFUSED!

My credit is excellent and I was rate shopping. Capital One sent me an email stating I was pre-approved, but I had to call. I called and they again advised me I was pre-approved, but for some reason they couldn't send an SMS to my number and I had to speak with a different department. I got disconnected and had to call again. The next call I spoke with the verification department and was sent a link to their Auto Navigator. The vehicle I had my eye on was there, but no rates were available. They needed me to send proof of residence, which I did. They initially rejected my proof of residence and I had to take time to call again.

I was pre approved for a car loan and decided to take it to my dealership where I work. It was simple and quick. I have been making above my payments as well and paying extra on my principal to pay my loan off early. I haven’t had any issues with Capital One at all. I have 2 credit cards with them and I’m building my credit pretty quickly. It sucks for the bad reviews Capital One is getting but I’m giving a 5 as to they are doing wonderful in my eyes! You will have my business for life!

Paid off the car loan, got a paper saying my title would be mailed to me within a few days. Waited, and waited. Finally I called and they said it had been mailed. It a month ago. It is not mailed registered receipt requested, just regular mail. They have no record of ever sending it to me. Then they sent me a "Lien Release" which they told me I can take to my DMV and get a replacement title. For $60. Beyond pissed that after paying my loan Capital One basically screwed me again, and all they can say "whatever". Never again will I deal with Capital One. They got my money, paid in full, so why should they care? They should reimbursement me $60 for their incomptence.

I received a letter in the mail from Capital One with an offer to use Auto Navigator to see if we could pre-qualify for an auto loan. The first point in the letter said, "Pre-qualify with no impact to your credit score." On that basis I followed all the steps to see if we pre-qualified and we did. After discussing it with my husband, we decided not to move forward with a car purchase at this time. A short time later, our credit score dropped 3 points as a direct result of using Auto Navigator.

Capital One finance NOT recommended! Bought a car with Capital One Finance, 1 year later my car was totaled, Gap Ins paid all but 164.00. Never late on any payments! Worked with the Gap ins but I was responsible for the 164.00. I paid the 164.00 in full, 3 days later, Capital One Auto Finance reported my account as a Charge off/Collection! When I called and asked for a review as the account was paid in full and reported 3 days after payment of 164.00 (not thousands) to the credit agencies and wanted the credit report status to be changed as this report is hurting my score, Capital One refused!! 24,000 dollar car, never missed or late with a payment, paid the only small balance of 164.00 and now Capital One is hurting my credit score and they refuse to change it!

I have two credit cards with Capital One and that is how I came to refinance my vehicle. After being approved for auto refinance, they tell me they need my title so after a phone call with my current lien holder, the lady tells me to order my title and to upload the receipt for it before my application expires so that they at least can see that I am trying to get it. She said it usually takes a couple months but if I show the receipt then when my application expires, it won't affect my application. Of course when I call back now I have to reapply to get the same rate or a different one.

I got my car loan in 2017 July to be exact. I made my first payment in September thinking I had a 60 day grace period before first payment due. I made continuous payments for the first 11 months then I was late on a payment. I called, explained it would be late, received, "Don't worry. You're in good standings." I paid the payment the following month. Later on down the line I continue to make payments then come November 2018 I call and they tell me I'm 3 payments late. I'm like, "Huh?" So then I double my payments.

After have auto loan out for 1 year and six months I called to pay a large sum of money towards balance to pay off car early. Capital One will take large sum payment but balance will be the same as if you have loan out the whole term of agreement. Meaning you will be charge the whole interest amount no matter if you pay off loan early. Second if vehicle is damaged or broken you will still have to make payments. Capital One will not work with at all. They will not roll over loan into new loan but set you up for a new loan plus you still will be left with old loan.

After reading all the negative complaints, it seems like there is one underlying theme....either poor credit or not paying the loan on time. Everyone faced adversity from time to time, but if you don't communicate that early, they just can't help you. I refinanced through them and got a much lower rate and actually just paid my car off... early! There are several ways to pay a car loan, but if you're trying to pay it with a credit card, that's a bad idea all around. I had it drafted out of my bank account and have never had any issues with them. If I ever buy another car, I plan to use them to finance that loan.

The "Office of the President" was where I was transferred for the third time. They were completely unable to verify that my recurring payments were cancelled. They refused to send me a confirmation in writing that the recurring payments were cancelled. I was supposed to received an email stating that the recurring payments have been cancelled. What should have taken 5 minutes ended up taking 30 minutes and still no verification if my recurring payment has been cancelled or not. I find it hard to believe that no email correspondence in regard to cancelling the recurring payment could not be generated. Completely unprofessional. Never working with them again.

The majority of the complaints here are just rubbish besides the ones that paid off their loans and had to wait for the titles. I refinanced with them at received a much better rate that saves me $164 per month, I have cards with them also never had an issue. My refinance transaction went smooth and was set in stone within a couple of days maybe because I was already a customer. As far paying your loan with a credit card well yes you can. I do it every month. You must download the Capital One app on your device and when you go to make a payment there's an option to have it drafted from your bank account OR be redirected to the CheckFree website.

I sent them 17,398.15 through a ACH from my boss's bank showed it cleared. Sent proof to them it cleared. Talked to countless people all the way to the "Office of the president" If there even is such a thing. And no one can account for this money. How does a multi million dollar company not see or know when 17,398.15 hits their account. I was overcharged for this car and that's my fault but I go to pay it off to avoid their stupid highway robbery interest and guess what??? They can't find my money. Crooks... Legal crooks... Get away with it. I will never do business with them again. I would stay far away. Run.

Purchased a car and could not get Capital One to send the loan information to us. When we finally got it and I sent the payment in they said we were two months behind. I called and the gentlemen said he would move those two payments to the end of the loan so it will not cause a negative effect to our credit. Once the agreement was made Capital One would not honor it. I would not recommend that anyone get a car loan through them. The customer service is horrible.

I apply after my bankruptcy discharge but they denied me. It’s frustrating. How are you supposed to rebuild your credit if they deny you. What am I supposed to do? I’m not asking for much. Just a simple plan.

I was "pre-approved", signed the online contract, provided proof of income, advised that all was verified and that in 7-10 day my loan would be paid off with my current finance company. That didn't happen. Then I received a voicemail to call them. I did, I got recording saying I was approved and welcome to Capital One etc. etc. etc. Still not paid off my current loan. It has been since January 24th of contacting Capital One and being advised I'm all good and then nothing happens. Now, this morning I log onto their "site" for updates which never updates anything and it says my application has expired. WTH? I have Credit Cards with Capital One and am in good standing, not sure if the Auto Refinance is legit or not at this point and will just stay with my current lender even though the interest rate is a bit higher than what Capital One was going to give me. Seems a bit too sketchy at this point to pursue further.

I had an auto loan through Capital One from 2011-2017. I paid my loan for 6 yrs on time and in good standing. I found out that Capital One didn't report any of my payments to the three credit reporting agencies because they (Capital One) wasn't reporting my payments accurately so the file was deleted by Capital One altogether. When asked can my history be reinserted I was told no. So therefore, I got to take a loss for Capital One not doing their job. But you can bet if I was missing payments during those yrs I would have a credit history. This company doesn't care about its customers!!! NEVER got to worry about my business again.

I paid my auto off using a credit card and they claim they were to send my title to the bank. The bank said they did not say that nor have they received the title because it was not an auto loan. The Capital One Resolution people are say the Lien Release is in the mail. Auto was paid off 12/21/2018. They finally after two months sent a Lien Release dated for 01/31/2019. I made a request to have the Lien released so I could get money back on extra insurance Capital One Auto Financial made me paid; $850.00. I called and they lied. Someone named Justin ** signed as Authorized Agent for Capital One Auto Finance Titles Department.

I refinanced my car with Capital One. They offered lower interest rate. I set up automatic payments with them. I noticed that they did not debit my account as scheduled. Had to send in a payment. They assured me that they would debit my account as scheduled. They failed and charged me late fees. I stopped auto pay and set up payment through my checking account. For some reason they came in the middle of the night and took my car. I had no notices sent to me. No phone calls. And I was not behind in payments. I was forced to pay $200.00 to get my car back. No refund, no apologies. Stay away from this horrible company,

I have only had a positive experience with them. They have worked with me. In the last year, I’ve had financial difficulties and death with immediate family. They have always been kind and understanding. They have worked with me.

I got behind in my car payments because my disabled son has cancer. I told Capital One I would get caught up when I got my tax refund. The representative was very rude to me, said to take my personal belonging out of the car and didn't want to work with me at all. Today I received my tax return so I called to pay the overdue amount. They were closed! There was no way to pay automated. Long story short they come got my car tonight. Funny how they couldn't take a payment but could come get my car! I would not recommend this company!

I don’t know why there are so many negative reviews about Capital One Auto. I’ve had a great experience with them. I pay on time, or early, and I pay a little extra too. And contrary to what others have said, YOU CAN USE A DEBIT CARD!!! That’s how I’ve been doing it for the 2.5 years I’ve had my loan with them. So, like any lender, you have a contractual agreement with them. If you live up to your end of the bargain and pay like you’re supposed to, you won’t have anything to worry about.

I've only been with Capital One auto finance for a year and it has been a living hell. They DO NOT offer the ability to pay your bill using a debit card. I just opened up a new checking account and have not received all of my info yet. I wanted to pay with my old prepaid card in the meantime and Capital One will only take a checking account payment. Are you serious??? It's 2018. For a company this damn old and this damn huge, there is no excuse for this kind of crap. I just fought with their IOS app, the mobile site, AND the desktop website for the last 45 minutes and STILL I could not find a way to make a payment. I tried calling but there's a 15+ minute wait.

False reporting on credit report. DO NOT TAKE A LOAN FROM THIS COMPANY Capital One Auto Financing. PLEASE PUT IN A COMPLAINT TO THE BETTER BUSINESS BUREAU if you had a bad experience with them. They will mess up and destroy your credit. No matter how you pay. Please share this information with others.

I just paid off a car loan with Capital One. They seem to forget that if a customer is paying thousands of dollars, that customer is owed helpful, respectful, prompt customer service. They provide none of this. I would add that customers have a choice of where to do business, and that poor service is a deal breaker. Friendly reminder: You work for us.

Stay away from this horrible bank. They keep sending me letters that I am approved from up $35000.00 and I can't be pre qualified to refinance my current car from this bank. Outrageous!!! It makes no sense.

I purchased used 2014 Frontier for $24K on a 6 yr note, finance with Capital One for 2nd time. 3 yrs paid and $15K still owed on principle. Interest paid up front like mortgage. I am disgusted. I want to trade but I have no equity, even with low mileage. No recourse I hear from all. CRAP!

Have had my car with Capital One for almost 3 yrs. Have never been late. Recently have been experiencing some financial hardships and money is super tight in which is keeping me from making my car payment this month. Everyone I'm around talk about their finance company offers the option to defer a payment when unable to make it. So I decide to look into this option with ole Capital One, mind you I had already read the comments on this forum prior but still tried my luck. So I'm here with same sad experience. No bueno. They gave me this cockamamie mess about the system didn't approve me for the option of what they call an "extension". Me knowing how this customer service mess goes because I work as a customer service representative and tell people the same bs already know how the game goes.

Purchasing my car at the dealership was made easy by Honda, as well as setting up the financing, due to the knowledge and talent of my Honda financial specialist. However, beyond that, Capital One makes it extremely difficult to make payments. That’s right, they make it difficult for you TO GIVE THEM YOUR HARD-EARNED MONEY. I have had difficulty with submitting payments due to their online service and app not allowing you to use your debit/credit card for one time or auto payments. They need your checking account routing number, which I understand and willingly gave up. Then suddenly, my payments started being sent back with them saying it is incorrect info.

The price of vehicles they show is about half what the dealerships actually have the cars listed at. In my case, a 2018 Dodge Journey showed $16,172. I went to the dealership & the exact same car (VIN #'s matched), was $29,000. Salesman actually said I didn't read all the fine print in the offer letter. $12,282.00 in destination fees? Really? SHAME ON YOU. Complete hogwash! I did go directly across the street & financed with my credit union. Better APR & no lies about pricing.

I have been with Capital One for years and never had any kind of issue with anything. I recently bought a Car but had to go with Wells Fargo because that's the Institution they used. Well, Wells Fargo charged me way high Interest because of an old collection from DirecTV which was actually a cancellation Fee I refused to pay because they kept overcharging me for monthly payments. Anyway, as soon as I got my first statement from Wells Fargo I called Capital One to refinance and they have been amazing. They were fast did everything for me. Cut my interest rate in half and my monthly payments are down. Thanks, Capital One. As always you are a lifesaver.