Company: Capital One


Company:  Capital One 

Nature of Complaint: Vehicle loan; Managing the loan or lease 

Result: 

Response from Company: Closed with explanation

Complaint:  Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX ‘s and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.. ( 1372909)

 

Submitted on 5/13/15 by a consumer in FL

 


Company:  Capital One 

Nature of Complaint: Vehicle loan; Shopping for a loan or lease 

Result: 

Response from Company: Closed with explanation

Complaint:  Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. Phone : XXXX. Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.. ( 1361383)

 

Submitted on 5/5/15 by a consumer in SC

 


Company:  Capital One 

Nature of Complaint: Vehicle loan; Problems when you are unable to pay 

Result: 

Response from Company: Closed

Complaint:  Starting in XXXX I started receiving calls from Capitol One regarding my loan for the XXXX XXXX that I am financing through them. I do not remember when we set this up but I was to pay a higher amount per month for XXXX months to get caught up. Well, the phone calls started anyway and XXXX person actually stated that if you are XXXX month behind they will call me. I paid in XXXX the amount they said with a different bank card. I set up auto pay but the bank card I originally gave did not have enough. In XXXX the calls continued and I was told twice I did not pay in XXXX. Well, I started ignoring the phone calls I do not like being called a liar. I paid at the end of XXXX the amount I was given. In XXXX I started a new job and how I was getting paid I could not pay the entire amount I agreed to so I called in and talked to a VERY NICE person. I told the situation and was told, Go ahead and pay what you can and call back on next Thursday to pay the rest. Which was the first week of XXXX and I did. The calls continued.Then since I was not taking their calls I found the date I paid in XXXX and printed that and mailed to them. I told them after you receive this I will answer your call after XXXX. So I waiting and XXXX evening I answered it. The person on the phone was very rude and when I asked about the letter the response was no letter. When I told what the letter was there was a pause and oh I see that you did pay on the XXXX of XXXX. Then the subject of XXXX came up and according to the conversation I paid the incorrect amount and I still owed {$45.00}. I inquired what it was for the response was, you just did not pay it. ” I was already lied to about payment and now to me if it was for late payment fine but to be told just did not pay it I will not accept. Then since I paid up to XXXX I thought I was up to date but I guess not. The called continued. I am a former XXXX, I have a completely XXXX that prevents me from walking far at all otherwise I am in excruciating pain. I realized that I kept quitting my jobs because I could stand that long or my XXXX and XXXX prevented me from working. I do not and can not afford insurance and the last time I applied with the state I was told I can not be receiving unemployment well since I work as a XXXX is saying I lied and they over paid me for the week of XX/XX/XXXX and I have to pay that week back. My XXXX medication is {$300.00} every XXXX weeks. Now I a petrified that my apartment complex is going to find a way to evict me and I as of XX/XX/XXXX I have missed XXXX work day as a temporary employee and XXXX days as a part time employee for XXXX XXXX XXXX. Capitol One repossessed my ford on XX/XX/XXXX ( and my regular payment is due XXXX of each month ) which is XXXX month and XXXX day of non payment. I can not walk anywhere with out pain or very far or my XXXX will kick in and I am stuck at the store. I do not like to call my friends to take me back and forth and do not have a Primary Care doctor to fill out a form for XXXX for the XX/XX/XXXX. Please help me.. ( 1357760)

 

Submitted on 5/2/15 by a consumer in AZ

 


Company:  Capital One 

Nature of Complaint: Vehicle loan; Taking out the loan or lease 

Result: 

Response from Company: Closed with explanation

Complaint:  1. I applied for a loan thru capital one auto finance in order to purchase a new van on or approx XXXX XXXX 20152. I got approved by capital one auto finance with no further documentation or verification needed. ( see approved and no doc needed email attached ) 3. I went to the dealer freehold ford to complete the process and obtain the VIN ” number of the vehicle i was interested in and finalize the sale. 4. As required by capital ones process and navigator ” system i entered the VIN ” into the system .The system came back with a approval of both the vehicle and gave me the Interest rate, Terms, and payment amount as in the attached XXXX capital one approval ” email. 5.The dealer XXXX XXXX was listed on capital ones website as a preferred dealer ”, however XXXX ford did verify my capital one approval etc however they was n’t listed on capital one ‘s end of the system as a dealer since it was a revised financing program and were dropped as a approved dealer so the dealer had to resign up and get trained in the new processing procedure. 6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see i owe you ” doc attached ) however in order to take delivery they had another bank as well to fall on. 7.The dealer finally got reactivated into capital ones system however they withdrew the approval verbally last minute citing that the vehicle was commercial and also they dont finance vehicles over XXXX passengers ” to note, the vehicle was approved ” by their navigator ” system by giving me the rate and terms it did not state on the system that the vehicle was n’t approved etc! otherwise i would not complete the sale or take delivery. so here im left with a vehicle at a very high rate and payment as outwardly the dealer stated that a lot of banks wo n’t finance it as it can be considered commercial use however santander approved financing ( santander was only supposed to be to take delivery, until the dealer was set up with capital one ). 8. On or approx XXXX/XXXX/2015 capital one sent a letter citing denial due to application submitted was incomplete or can not be verified which was untrue, as on the approval email it was clear that no further documentation or verification was needed and i received verification from the navigator software that the vehicle was approved and they provided the terms and payment amounts due. In addition the application does not expire until XXXX/XXXX/15 so the excuse for final denial is void and inexcusable. ( 1355653)

 

Submitted on 4/30/15 by a consumer in NJ

 


Company:  Capital One 

Nature of Complaint: Vehicle loan; Shopping for a loan or lease 

Result: 

Response from Company: Closed with explanation

Complaint:  I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. The IRS behind this concern has been over for over a year. What is Capital One ‘s problem. Please Help with this issue.. ( 1342705)

 

Submitted on 4/24/15 by a consumer in TN