Capital One Auto Financing Reviews

I spoke to a supervisor, AJ badge no. **, who told me the same thing and proceeded to laugh at me when I asked for his name and a phone number to the corporate office. He refused to give me a phone number for a corporate office and said that he would not let me speak to anyone else. All I wanted was my payment, which I cancelled, refunded so my account would not be negative.

On March 2, 2009 at 12:45 am, I talked to one of Capital One's Hardship Department reps named Julia to see what was happening with my Hardship package. Then someone named Mathew called me on March 10, 2009 from their Repossession Department and said my Auto was in repossession and I explained to him that it shouldn't be in repossession because I sent in my monthly payments alone with an additional $310 by the request of Julia to get it out of repossession. But he said I needed to send in an additional $97 to get it out of repossession status. I sent it in Western Union and contacted him with the MTCH number.

I've been sending in my monthly payment by Priority Mail because they are not telling me the truth and seem to be stalling and have no intention of giving me a Hardship loan to modify my auto loan which I badly need. I pay $514.98 per month for a Dodge Caliber and I can handle the payments and keep the car if the monthly payments were less than $514.98 a month.

I am a 100 percent disabled Air Force Veteran, and it's a shame to be treated like this by an institution that has to use my hard-earned tax dollars to stay afloat. This is an embarrassment to the country that I serve and to our laws.

Recently, I underwent major surgery and was in the hospital for an extended period of time. My wife did not receive a statement in the mail, and forgot to mail in the payment. When the phone calls started, she answered and explained that she didn't receive a statement and had forgotten as I was in the hospital. The woman from Capital One, who was a Manager in the Collection Department, told my wife that she is well aware that the payment is due on the 15th regardless of whether she had received a statement. On top of that, she asked my wife that if I was in the hospital, what was wrong with her that she couldn't have mailed the payment.

I understand that it is not their problem what we are facing in our lives. However, a little sympathy, a little common courtesy would have been nice. The comment was completely uncalled for. This manager also told my wife that a statement had, in fact, been mailed and it was not her problem if we had not received it. When my wife asked when the statement was mailed, she only said she did not have that information. They demand to know exactly what day we will mail the check, but cannot tell us when they mailed our statement.

Again, the manager repeated that we are well aware of our payment schedule and we will be charged a late fee on the account. When my wife asked for the woman's name, she was told "Have a nice day," and disconnected.

Last night I spoke with an operator and had sent and complied with all of their requirements, noting that my proof of income was last month's bank statement which showed my deposits from the last month. I recently had the account closed because I did pull out all the money in that account to pay Capital One to get my car back. The operator on the phone told me that everything was fine but again they had not received my insurance documents. She assured me that that was the only document that they needed to release the car.

This morning my insurance agent sent the documents once again. Now when I called Capital One, they finally said, "Yes we do have your insurance documents, but now we need your proof of income." We noticed last night after the representative whom I was on the line with for over 30 minutes cleared me for all the documents, is now not accepting this because the account is closed. It seems every time I comply and have everything set, they can't find a document, want it resent, and now this. I asked to speak with a supervisor and they refused. They said it would take 24 hrs. to get back to me, which is another day with my car at the repo center.

My car is due to be auctioned out by the 25th, so it seems that they're doing it so it gets to that date and then they can gain more money and I'm out of a car. The representatives were very rude, instead of helpful. No one's on the same page when it comes to documentation. They have received over a 1000 dollars from me, and I also just paid for auto insurance. The representative told me I should get a real job and have them write me a letter stating I work there. Extremely inconsiderate employees.

Here is the trick they play on you. For Example your balance is $10,000, your monthly payment is $500.00 let's say, $100 of that is for interest. Your monthly payment is due on January 15. On January 10 you send them the normal payment $500...they received it on time. They take the interest $100 and apply $400 towards your principal... Now your balance is $9,600 ...your due date is now February 15. OK everything is fine at this point.

A few days later you got a bonus on your job and you decided to send $2, 500 to Capital One Auto financing so your balance is less. They receive the payment and MAKE YOU BELIEVE you're PAYING 5 MONTHS AHEAD by changing your DUE DATE to JULY 5. You are make to believe you don't have to pay anything for March, April, May, June...On July 10 you send a normal payment for $500...they receive on time but your balance did not decrease at all?... Guess what... ALL THE MONEY WENT TO PAY INTEREST FOR MARCH APRIL, MAY, JUNE, JULY!! And that folks is how CAPITAL ONE SCREWS PEOPLE. BE AWARE OF THIS TRICK...and pay attention to your payments and how they applied it towards your loan!!! Thank you very much.

When I went to the bank, I was greeted by one employee immediately. I told her my situation when suddenly the woman sitting in the nearest cubicle shouted out "it will take two weeks to get that sent out". I said "no, I need to speak to someone about it". I was then told to see the employee in the next cubicle. I told her my situation and she looked up the loan in her computer. Then she said "it's not even in here anymore". After a few minutes of her doing something on the computer, she said "I can get you the document in three days". The problem is that the person who bought the car is in the Navy and stationed on a base in Mississippi. He cannot bring the car on the base without the title. He did so with a copy of the title which I signed and gave him, but his superior officer started threatening him and told him he could face serious consequences for not having the title.

So, today I went to the main branch of Capital One in my town. I told the customer service rep that I needed to talk to the manager and she insisted on helping me first. So she told me that Capital One Auto Loans was a completely different division of the corporation and she had to call the New Orleans Louisiana branch. She called and the person told her there was no lien on the vehicle and that they would send the document in three days. I said "no, the buyer needs it today" and explained his situation. Then she went and got the manager. When she arrived she immediately told me that there was a lien on the car because I had lost the title. I said this is insane. She just told me there wasn't a lien. The manager kept stating that the fault was on me because I lost the title and that's why it showed a lien.

I am totally fed up and disgusted with this corporation and it's incompetent employees. Also, the manager is a bold face liar. I talked to my friend who works as a paralegal for a local attorney and we are going to see what we can do to straighten out the people at Capital One Bank. I will never again set foot in any of their banks or do business of any sort with them or anyone associated with Capital One. They are the most unprofessional, ignorant, and misinformed bank I have ever seen.

One tow truck took my car although Capital One apologized, I still had to pay all fees and the rep who wrote the notes in the system mysteriously does not work there anymore so they are still after 2 years charging me. Another time the tow truck broke the door handle off of a garage where they thought my car was. Another time they came to a home that was not mine but insist that I live there and was turning door knob, kicking door, and banging with hand saying "I know you're in there." I dialed 911 and police did not catch them but they saw them speeding away to avoid police. Damage Resulting.

At no time during those 3 months did we receive anything from Capital One regarding the late payment. After calling and waiting on customer service we were finally sent to some Resolutions Department. We explained the situation and were told to send in a new form and pay the fee and this would be corrected. We never received the new form. After contacting Customer Service again we were e-mailed a copy of the form. We sent it in with a check to pay the fee. The check cleared and all should have been taken care of. As of this morning I am still receiving my 8am Sunday morning collections call from Capital One.

The current issue keeping this from being cleared up... the form expired. It was dated Dec 28 but I did not receive it via e-mail until Jan 15. That being a minor issue because the major problem is that they are trying to process it as a new deferment and continue to charge late fees and collect on the original one. No matter how many calls we make or how long we stay on hold it makes no difference. Capital One can't seem to get it together and fix their mistake. I'm tired of explaining the situation every time we call and never getting anywhere. It's like starting over at square one every week.

On a side note, even though Capital One was willing to correct the problem it is still being reported on my credit as 120 days late. During the collections call last week we were told Capital One was only requesting that one 30 day late be taken off my credit. So now my credit is suffering due to their mistake. When (or if!) this is all cleared up I will seriously consider refinancing with another company. A major lender like Capital One should have its act together.

Since I knew who he was I told him that he was calling reference my account and that it was against the law. I also told him that immediate supervisor had informed me that he called him and he suggested that I take legal actions because he was not to call him nor me at my place of business. I informed my Capital One Case Manager of this and he treated me saying that he could call my job and that it was going to go higher than this. He was very rude and said that since I am on a military base that according to Article 134 he had the right to call my superior, but that article reference adultery of military personnel. I am a government employee. I would like for Capital One to stop the harassing phone calls to me and my superiors.

On 10/11/07, I made my usual monthly payment ($587.23) due 10/22/07. On 11/16/07, I made my usual monthly payment ($587.23) due 11/22/07. On 11/17/07, I decided to check my account activity online. Assuming that all would be in order, I got the shock of my life. Capital One had reversed the $5,000 pay-down and applied it toward (2) so called past due late payments and the difference was applied as interest. I went to the local Capital One bank seeking an explanation and was told it appeared to be an error but that they could not fix the error. The bank clerk told me it could only be fixed by customer service via the payment processing center which can only be contacted by phone.

Since 11/17/07, I have made numerous calls trying to get my account corrected and have been told a different explanation each time. First, it was a computer error which would be corrected within 2-3 business days. Nothing happened. Then I was told I didn't mail the $5,000 to the correct address which probably caused the confusion but that the error would be fixed within 72 hours. Still, nothing has changed.

All of my payments were made via on-line bill pay through a checking account I have at another bank, I called my bank and they looked into the matter and also found the error to be with Capital One as they had sent in all payments as directed. My checking account reflects the same. My bank contacted Capital One and was told the error had been corrected as of 11/16/07. Of course this was not true as I am still trying to get my account fixed as of date, 12/19/07. I have a print out from Capital One with dates (9/25 through 11/16/07) showing back and forward reversals (debits and credits) of my regular monthly payments including the $5,000 principal pay-down.

Capital One has totally taken advantage of my principal pay-down amount and are now stating they have an extra monthly payment amount floating around which they are trying to figure out where to apply the funds but that my account still shows I have (2) past due amounts. Now, as of date, Capital One has finally told me there are no errors on my account and it stands as shown. This is unbelievable and illegal as my payments have never been late and the $5,000 pay-down is gone with the wind.

I called as soon as I heard the message which I called at 2:15 PM which I had to call several times and be transferred a few times and got a rep by the name Angela who when answered ask for my social and I replied that I have a reference number. And she immediately got rude and ask why I couldn't give my social and what was the problem and who the loan is for. And I really didn't have a problem giving her my social. I thought it was either social or acct number but she freaked out when I said I had a reference number. Well when I gave her my social she wasn't able to find any info on me and that's when she starting asking about why was there a problem, who was the loan for like I was trying to obtain a loan under false information. I asked her if she had a rep number and she said no. So I asked for a supervisor and she said there was none and continued to ask what my problem was, why did I need to take it there for.

The only answers I got from her was that I would have to fax over my Center One acct info and I asked If I could mail it in because I do not have a fax. And she said no I could only fax. I had no other options. So after hanging up with her I got a few other reps and then I got a rep named Romero ** who told me I could call back with my Center One acct number and a number to call for Center One which I did. So then I got a rep named Chancy who took my info and put me on hold to call Center One to verify I had an acct with them and other info. Well then she came back on the line and told me she had verified everything and that was it. I assumed everything was taken care of. Well I waited about 3 weeks and on Oct 23 2007 I called Capital One to see when I would have a payment due and that's when I learned that the check did not cash.

A rep for Capital one told me I can call Center One and they can resubmit the check or Capital One can send me another check to send to Center One. Center One requested for a new check. Capital One over nighted me a check Oct 23 2007 and I sent it priority mail which should have been there by Monday Oct 29 2007 to Center One P O Box but it was sent to the regular payment center and not the payoff department which I did not know made a difference. And when I called Oct 23 to tell Center One I would resend another check they did not say where it should go. I sent the check at the full amount of 16062.50 to Center One on Oct 25 2007. Another reason I thought payment was made is because Center One issued me a refund for an over payment of 32.25 because my payoff on Sept 26 was 15667.25.

Well I asked Center One why I wasn't called about the bounced check and why would they issue my a refund check and they said they wouldn't know if the check would bounce that's why they sent the refund. But the refund was issued Oct 2 2007 and they have said the check bounced Sept 26. Well I called Center One and spoke with reps on Mon, Tues, Weds to see if they received the 2nd check and I was told no. Thurs and Fri I just listened to the automated system and it indicated that a check was not received yet too. Sat I received a call from Center One Delinquent department stating they have not received a payment and demanding me to make a payment then and I try to explain to him how I had resent another check the week before and he kept saying that mail gets lost all the time.

So I stated that maybe the check was there in some department but just not posted yet. And he stated that in the system there was nothing stating that and I said I that's because it's probably there but has not been opened yet. I told the rep I would have to call them back when I got home so I could gather all my information and call Capital One and I would let him know what I would do. So he kept on insisting me to promise and guarantee that when I called back I would make him a payment. And I told him I would not guarantee anything that I would call and let him know what I would do before PM. And he just kept on going on so I hung up on him. Well when I got home after that call I called Capital One and they told the checked had been cashed Oct 31 2007 which was the Weds before.

So I called Center One the next day which was Sun to tell them. And they told me no they do not have anything in the system. I would have to call back Tuesday and maybe it would be in the system. Well I called today several times to check status and they still do not have as being received. And I feel they are not really trying to locate it they just keep telling me to call back. They don't tell what I should be doing to get this issue corrected. Finally I asked a rep if I get a Copy of the cashed check front and back could I fax it to them which I did. The rep told me then that I would have to call tomorrow to see if it has been received and reviewed which I wanted confirmation today that the fax was received in case I call tomorrow. And they say it didn't come thru then I would have to fax it again then wait another day but they didn't even try to do that for me. But I did get from my fax machine that it was a completed transmission.

Then I called Capital One and asked if they could take of the interest that accrued Sept 26 to until now. And I was told from Chancy that Capital One was not responsible. That I was responsible because first I should have called when I sent the check which that was not indicated in the packet when I received the check. It just has it to sign and to be sure to send the lender the request to where to send the title and add the vin. Nothing about calling to verify before I sent the check and nothing about a federal reserve time expiration. And she said also that it was my responsibility because when they called to verify info Oct 4 I didn't get back to them on time. She said it was an hour after they had left me a message and the time frame for approval to cash the check from the federal reserve had expired right after the message was left.

I told her that I called back right away. And I had to go thru several reps and I was having issues with some of them. And she stated that wasn't her fault that I couldn't get thru to them on time and as a matter of fact Chancey was the one who back on Oct 4 was the one who called Center One to verify the info and did not mentioned about the time frame or about resending a new check. All she said was that she verified the info with Center One and since the message left indicated the check came in for payment and I need to just verify some info, I could only assume all was good. I stated they should have verified everything before they sent the check or they should have not sent it to me to send out to be cashed and it is their fault that is bounced and I have this extra interest.

Now Center One says I'm over due and will be sent to the credit report. And also Capital One is saying I owe payment to them also since the check was cashed because they do not opened an acct until the check is cashed. So now my credit is about to be ruined which I have A+ and both companies say I owe them. I have also asked for either companies to call the other and they decline and state it is up to me to get this straightened out. I just keep getting different answers and the run around from both companies. And I have called several times on several occasions to both companies even asking for supervisors and nothing gets done. Please can you assist me Please. Any questions I can be reached at **.

As of today Nov 6 2007 I was told that Center One has been fully funded and that was confirmed with Dana in the refinancing department of Capital One. And neither will accept responsibility of interest owed for Sept 26 2007 until Nov 6 2007 because if it had been paid by Capital One to Center One Financial when they tried to cash on Sept 26 2007 I would not this extra interest to pay. And they should not have sent me the check to send out to the lien holder if it was not going to funded.

After several minutes of refusing to accept what this rep. is telling me, she begins to get rude and defending the misinformation she gave me in August and abruptly ends the call. I left a message with her department manager and still have not received a call back. I do intend on sending letters and filing formal complaints until my questions are answered and the rep. I spoke with is properly disciplined IF the company has a POLICY in place for such rude service and misinformation. This company should be called BAIT and SWITCH BANK.

The next day I checked my bank account to make sure the balance included the profit from the sale of my auto. The bank told me all the money had been taken out of my account by the Capital One Auto Finance Group. I have called Capital One bank and auto finance group to see where my $5,000+ over 10 times. Every time I get a different answer. I have the auto title but no car or money. All this took place on 9/21/07. Capital One's ad on their web says the seller will have their money in 24 hours - 30 days and still waiting!

Two weeks after our visit to the bank, we received a letter from Capital One - Auto Finance (A company we never dealt with or applied to). It stated that our loan payment was 17 days overdue and it included a $ 121.17 late fee. We immediately went back to North Fork Bank to complain. The same teller and branch manager advised us again that the loan information showed "paid in full" and they had no explanation for the Capital One letter. We tried to contact Capital One but it is impossible to get to a human when using their 800 number.

Since calling them is not a viable option, I simply mailed a letter to them with the $ 269.44 payment. I am demanding that the late fees be removed from the account. I also want to know why the bank had no information about this loan balance transfer and why the bank did not inform us that North Fork & Capital One had merged. We found the information on the web. This is quite a scam and we can only wonder how many other customers will be abused by this questionable business practice.

It took me all day back and forth on the phone with both places to get an answer from them. A manager from Capital One called me to tell me that they had not sold my vehicle on Sept 4th, and they had not put it up for sale on that date (The auction house told me that wasn't even a Capital One auction day). The manager finally told me that the vehicle would be up for sale on Sept 19th @ 9:30am.

Capital One sent me a letter stating that they sold my 1999 Chevy Blazer for only $1600. They state that I owe a balance of $1300. I would like to see documented proof for what they sold the vehicle for. This vehicle had a value of $6000. There is no reason that they should have not gotten close to the value of the vehicle at auction. The vehicle was in great condition. There should be some kind of law in effect to protect the consumer from this type of damage. For all I know, Capital One has sold my vehicle for what it was worth which would have paid off the balance of the loan and they are still harassing me for more money.

I need documented proof of what the vehicle sold for that day. I received their letter about the auction yesterday (10/01/07) which shows their figures of what is still owed after the sale and fees associated with the repossession and sale of the vehicle. Today a collection agency called me to find out what I am going to do about the balance. I informed them that once I receive documented proof of what the sale price of the vehicle was, that I would be more than happy to come to a decision about the balance.

I think we need to have some laws in place which would protect consumers from being scammed by finance companies. When they only have to send a letter to prove the sale price they received and a balance I still owe, that doesn't show me proof. They lied to me once about the sale date of the vehicle, why should I believe they are truthful now about the sale price and what I still owe? We need to have laws in place so finance companies like Capital One cannot sell a vehicle for less than two-thirds the value of the vehicle. Along with that, the consumer should be given a copy of the proof of sale that Capital One received from the auction house. Do we have any laws in effect that can help a consumer in circumstances like this?

Called again Cap. One, they told us to pay this and they would straighten it out and refund our $450.00, but paying this right now would ensure us getting our title to our truck. Well, now we did get our title, but no refund of any amount. They play stupid, and when I demand a written explanation of these charges of $450.00, they say "Look over your payment history we send you". I see nothing on my payment history that says we owe anything except the 60 payments that we made. They refuse to explain this charge, and have not refunded anything. We are very annoyed that we were "blackmailed" into paying $450.00 extra for the title on our truck! Capital One is a ripoff company and I'm sure that I am not the only one they rip off like this! Something needs to be done with Capital One doing this to people!

We are sick and physically drained from trying to make sense with Capital One. We are out $450.00 which we can not afford. We were "blackmailed" into paying this extra amount or they refused to get us our title to truck. We also recieved nasty, threatening letters from Capital One like we were some kind of person who does not pay their payments after making 60 payments on time to them!

My wife, and daughters are on vacation at home being stressed by the calling. I'm distracted at work and losing time, concentration, and sleep over the overall situation. At this very moment I can't work because I'm writing this complaint.

At this point in the phone call he told us the check had been paid over a week ago and there was nothing he could do to void the check. In summary, the dealership was paid twice with all the untruths that were told from Allan at Capital One. Dealership wrote us a check to reimburse Capital One's funds at which time we immediately forwarded the dealership's check to Capital One to pay off our loan account with them. At this point in time we are receiving collection letters and past due notices and phone calls from Capital One on an account that shows $0.00. Any phone calls we attempt to Capital One to deal with the matter are transferred on and on and on to different people with no answers given to us. The last phone to Capital One we made today was met with 40 minutes of us on hold and no one talking to us.

My husband gets call from Cap. One at work, demanding payment or they are going to take action to recover truck! Then we get letter of same in mail. Again call Cap. One, this time they say to send the money certified funds only, and when and if they find their error they will send us a refund. Not to ruin our credit we send money. Now another letter even nastier. We call Cap. One from our bank, check not received, not cashed. Put stop payment on that check, reissue another and send it return receipt request. Then go online to view account, Cap One cashed check that they told me to stop payment on. Then next morning I find that they have received other bank check. Now Cap One has over $900.00 of monies that are not owed.

I am so upset. We have always paid our bills on time and the Lord has blessed us to be able to have the monies they have demanded. But I have two small children and would be spending that money on something our family could enjoy not fatten someone pocket at Capital One Auto Finance! Where does it end? Does Capital One Auto Finance just keep demanding more and more monies and they just keep your Title? Very upset, and do not know what to do about this situation!

Granted, I did get my loan deferred but I totally forgot about it. I was told that when the payment was deferred, interest was added on that deferment from that point until now!!!! Is there anything that I can do? My son was killed March 8, 2007 and we had to scrape up money to send these people. It's just not fair not to have been explained this ongoing interest and balloon payment due. Oh yeah, payment was sent March 12 and they still call saying payment could be there, just in another department not posted yet. Interest is still being accured. When asked to speak with a supervisor to track down the check, I was told there is no direct line to the complaints dept. My complaint will be emailed to me and they may get to me in 4 days. Not ain't that some **.

They have told me their names, address, and the make, model, and year of the car they threatened to repossess. After the last call, I called them back to further explain my situation and to demand that they stop calling me. The customer service representatives refused to let me speak with a manager or to even transfer me to a manager's voice mail so that I could explain my situation. One of the representatives even hung up on me. What this company is doing and the way in which they are conducting themselves is illegal, violative of state debt collection law and the deceptive trade practices act, and a privacy violation. This harassment must come to an end.

I also called their customer service line and spoke to a rep and told her I am turning in the car if I get any more calls like that again. My credit score is excellent and I can get rid of Capital One in a blink of an eye. She said, "Please don't do that," and that she can stop the calls. I have since walked the payment into a branch Saturday morning. We'll see next month what happens, but from all the complaints I've been reading, I think I'll start shopping around for a different car or financing company. Capital One is making me nervous, and after having many car loans, I have never had an experience like this.

I attempted on numerous occasions to try and work with C-One to grant me some additional time to meet my monthly responsibilities. They flatly denied my requests, knowing full-well that I was trying to make a good-faith attempt to pay my bills. I did end up behind on a couple of payments and the outrageous amount of fees the government allows these lenders to charge simply added up. I ended up with an $1800 deficit. So instead of working with me to make this up, Capital One flexes its big corporate muscle and repossesses my vehicle.

Again, keep in mind that I had made every good faith attempt to make good on this. C-One refused to consider the individual customer in this case and lumped me into a stereotypical class of defaulters. After selling my vehicle at auction, I am now stuck with a balance of $7300. And don't forget the fees are accruing on that too! Did they want to work with me to make up the much smaller and more manageable amount of $1800? NO! They would rather use the old corporate line and stick it to the customer who is trying to make up for financial difficulties. This is living proof that lenders are all about the lenders and customers are dirt under their feet.

I strongly advise anyone to think twice about using this outfit. Capital One is all about Capital One! Keep reading other complaints on this site. I'm far from being the only one who has been screwed over by this bottom-line driven company. STAY AWAY FROM CAPITAL ONE! THEY ARE ALL ABOUT THEM AND NOT THE CUSTOMER! YOU ARE LITERALLY TAKING THE FUTURE OF YOUR FINANCIAL STABILITY IN YOUR OWN HANDS WHEN SIGNING ON THE LINE WITH THIS CUSTOMER-FRIENDLESS COMPANY. I'm fed up with C-One and will never, as long as I live, give a penny of my business to such a sorry company as Capital One! Lastly, don't tell me that if they did it for me they would have to do it for everyone! The problem is they won't be a good customer service friendly company and help people like me maintain my account.

He was semi helpful but it took forever. They do not have direct lines and I estimate I would spend at least 20 minutes on the phone each time. This gentleman, Jamie, said he would send out papers and that I should have been informed that it would cost money and I had to sign a paper to get a deferment. I was not informed by the numerous CSR I spoke with about this. He said he would send the paper and I would need to return it in a certain amount of time. I travel for my job so I told my parents to send my mail to me about a week after it was supposedly sent. They sent my mail and NO PAPER was received. I tried to reach Jamie and I believe it was a good week before I could reach him.

I would leave messages and would not ONCE get a call in return. He said it was too late now to do anything. Needless to say I was upset. Now it's their word against mine. I called again and reached another CSR who was rude (most times they are anyway so that wasn't very unusual) but this time I had enough. I asked for her name so I could report it and she refused to give it to me. I asked to speak to a "live" person and she refused. I asked to speak to her supervisor and she refused. I hung up and called again. This time after the usual wait time of 20 minutes I was put thru to a supervisor. This gentleman listened to what I had to say and basically said, "sorry for your luck."

He said they can't be held responsible for what their CSR tell the consumers...WHY CAN'T THEY??? I work for a corporation and I am held accountable for what I say regarding my work. Every single CSR I talked to said something different so that makes you wonder what kind of training they have. We talked for about 45 minutes, but never got anything resolved. He did say he talked to his boss and his boss said I was in violation and I was indeed late with my payment. All this time the collection dept would call my cell phone (they still do about a week before my payment is taken out) which I use for business also up to 20 times a day starting at 7:45am and ending at 9pm.

I ended up putting those numbers on silent so it would not interrupt my work. Since technically I am never 30 days past due I don't think I am being reported to the credit bureau. I reported them to the Better Business Bureau and Capital One Auto Finance sent me a letter stating they weren't wrong and that the decision stayed. So now I am always a month behind and am accruing interest charges every month. All I wanted was that payment deferred, my late charges/interest rates taken off and not reported to the credit bureaus if it had.

I asked her to have the collection calls stopped immediately because I felt that was harassment and was upsetting me so much at work that I would start shaking. She said that she could not do that because their collection calls are on automatic redial and I would just have to suffer through the situation. I then asked her for the address for the main offices to send a complaint.

I received a letter informing me that the current month's payment was being deducted in the next two days. I had already mailed a check the day before, and it was still in transit. I was running the risk for overdrafting my bank account by having the payment withdrawned twice and Capital One was of no help.

I requested that they disengage the autodraft however the representatives refused to do that. One representative even mocked me. Ultimately, I got a supervisor who hung up on me. Fortunately, I have a friend who worked at my bank who placed a stop payment on the check and was willing to waive the fees.

I refinanced the car in March, got a lower rate, and got to skip my payment for one month. Bye, Bye Capital One!

When I asked them to speak to a manager they say that the manager is out today. I spoke to Nye who was going to talk to her manager on October 29, 2003 and have her manager talk to the payment department but never heard back from them. It has been 10 days since my check arrived at their office as per Fedex but they still have not credited my account nor returned any of my calls.

I explained the above situation to several reps at Capital One Auto Loans on the phone in my research to find out if they were the right company for me. I was told by each and every one of them not to worry because if Capital One could not give me a loan at their regular rates they would transfer me to their custom finance people which is for people with challenged credit. I explained that I had never had any judgments but because of the amount of debt that I have my credit score is low. They reassured me that their custom finance department would be able to help me. After thorough research I applied and was turned by both Capital One and their custom finance department in a matter of an hour. They sent me an e-mail stating that some jumpstart auto could help me but after I went to the site it didn't even have the car that I wanted to buy.

June 4,03 I get a nasty phone call from the dealer stating Capital One needed more information from me, and if I didn't get that information to them immediately they were going to repo my car. June 4, 03 Capital One supposedly contact Anthony **, finance manager of Toyota of Cerritos, California (where I purchased my car). June 6, 03 the contract was returned to Toyota of Cerritos, California. The reason.... it was missing some stipulations. June 12/03 I talked to Felicia, still said that Capital One was still waiting to hear from Toyota. But, assured me that there was no other information that was needed from me. I did all that was required of me. June 25, 03 I talked to Rick at Capital One and confirmed the same information as Felicia. He was very rude about it though. He wouldn't take the dealer's phone number at all. he just said THEY have to call us.

June 26,03 I talked to Rick again at Capital One and asked for a supervisor or manager. I said it was their policy for me to leave a message on their voice mail and he would call me back within 24 hours, And his name was Joe. Rick refused to give a last name. So, I left a message where he routed me. June 26, 03 later that day I called back and talked to Tom. He explained the same thing also couldn't tell me what was missing. If I wanted to make a formal complaint I would have to write to their corporate offices. June 26,03 I talked to Felicia again, and she stated the same information as before. June 26, 03 I received a phone call back from Melody in the Spanish department where Rick routed me to his supervisor. I explained the situation and she said to have the dealer call her directly at (800-946-0332 ext **).

June 26, 03 I called Richard ** at Toyota and told the information that I had from Capital One which was pretty much nothing but, just a phone number to a nice lady in the Spanish department of Capital One. Richard ** said that Capital One returned the contract because they wanted more information from me. Yet, I asked that several times to Capital One. Richard said Capital One needed a letter from my employer, and 3 more pay stubs. June 26, 03 I talked to Dorothy at Capital One and she said my account or file is closed/cancelled. She didn't even offer to help or offer to re-apply. I asked her if she could do anything... She would rather see me take my business elsewhere? She never responded.