Review and analysis of over 216 complaints against Capital One
Capital One consumers have reported over 216 official complaints related to Problems when you are unable to pay. Out of the 216 consumer complaints against Capital One, 21% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 100% were processed in a timely manner. 4% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 9% resulted in non-monetary compensation.
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Capital One Consumer Loan problems when you are unable to pay June 8, 2016 - We purchased a vehicle in - 2012 through Capital One bank. My husband was - - military at the time and had just left for -. He was not getting correct pay while on - and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to fi... |
Capital One Consumer Loan problems when you are unable to pay June 1, 2016 - -/-/- Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I mad... |
Capital One Consumer Loan problems when you are unable to pay May 29, 2016 - -/-/- I signed up with Capital One Auto for a vehicle loan on my - Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through - - and via - - app. Come to find out I had been behind on a total of 9 or so months. I in... |
Capital One Consumer Loan problems when you are unable to pay May 27, 2016 - I had a car repossession on - - by Capital One auto Finance. I 'm trying to get my car back and paid made a $1300.00 payment which I was told I needed to make a payment of $2500.00 to get the car back. I could make this in payments. I spoke with a rep on - - and was told I would then need to pay $500.00 my regular payment which I informed him I did n't have. He put me on hold and came back offered a extension took my payment of $1300.00 and we ended the call. Only to find out on - - from the - - - where my personal items were cleaned out of my car that my car... |
Capital One Consumer Loan problems when you are unable to pay May 4, 2016 - I was awarded a settlement against Capital One Auto for an illegal repossession on - - -. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for - - - at -. However, I paid Capital One what was needed to retrieve my car back before it was sold -/-/-, afterwards I was given the car back from -... |
Capital One Consumer Loan problems when you are unable to pay April 28, 2016 - this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a - fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru - - - third even though it states you can call them - to - at - we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until -/-/- to m... |
Capital One Consumer Loan problems when you are unable to pay April 7, 2016 - I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on -/-/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance. ... |
Capital One Consumer Loan problems when you are unable to pay March 30, 2016 - My case number is -. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my - credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. ... |
Capital One Consumer Loan problems when you are unable to pay March 25, 2016 - -/-/- I purchased a - chevy 4x4 truck for $42000.00. The vehicle was financed through " Capital One Auto Finance '' ( here after referred at as Capital One ). They loan payment was $880.00 per month for 72 months. In -/-/- I had financial trouble due to being in construction and the housing market drop dramatically effected my income. The last loan payment made was - -. I explored every possibly option to keep the vehicle, but unfortunately I ultimately agreed to a voluntary repossession approximately $ - was owed at the time of surrender. The vehicle was sold by Capi... |
Capital One Consumer Loan problems when you are unable to pay March 23, 2016 - I have received hundreds of calls from this company, despite being on the Do Not Call Registry. I waited for the representative to appear on the line and I asked for the name of the company ( Cardmember Services ) and its main phone number ( - ). This is, I understand, a Capital One solicitation,. CONSTANT CALLS TO SAY I OWE MONEY, I HAVE BEEN IN THERE PAYMENT PROTECTION PLAN FOR MONTHS EVEN HAVE THE STATEMENTS TO PROVE WHERE THE PAYMENTS HAVE BEEN MADE. CANT WAIT UNTIL I CAN GET RID OF THEM. IF THEY KEEP CALLING I WILL HAVE NO CHOICE BUT TO SUE FOR HARASSMENT AND UNDO - THIS IS CAUSING ... |
Capital One Consumer Loan problems when you are unable to pay March 14, 2016 - I had a car loan from capital one auto that was charged off in early -. I entered in a settlement agreement in late - to payoff $2500.00 at $150.00 a month. Capital one auto never updated my credit file with any of - reporting agencies to reflect the new status. When i called capital one auto, they stated that they would not report the " true '' status until it was paid off. This is a clear violation of the consumer trust by refusing to report a positive status to the credit reporting agencies as away to maintain power over the consumer. I repeatedly asked them to update, they wou... |
Capital One Consumer Loan problems when you are unable to pay March 8, 2016 - I fell at work - feet and sustained -. I was out of work from -/-/- the day of the accident until -/-/16 when I was allowed to return to work. Capital One knew I had been hurt and was out of work, my workmans comp case was originally approved for $970.00 per week, almost 30 days after my accident the - -, - - decided to deny the claim so I received no money for two months. I kept in contact with capital one all this time I tried to make two payments one for $420.00 and one for $320.00 I told them that I was applying for short term - since the workmans comp... |
Capital One Consumer Loan problems when you are unable to pay March 7, 2016 - On - -, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time. ... |
Capital One Consumer Loan problems when you are unable to pay January 26, 2016 - I had lost my job and therefor feel behind on - payments. I kept up communication with Capital One and had just agreed to send them - of the past due payments on the following Friday on top of already making that months normal payment. Less then - or 6 days after speaking with them and the agreements being discussed they came and took my car with no warning. After they took my car they failed to follow many CT regulation and/or laws. An example is never sending me writen communication prior to or after the car was repossed. I found out the car had been auctioned, again no communicatio... |
Capital One Consumer Loan problems when you are unable to pay January 25, 2016 - I made a agreement to settle my account with capital one for $5000.00 in the amount of $750.00 for 6 months. I have made - payments which the balance now is $3700.00. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for -. My son was going to college and he was receiving student financial aid which was the reason i was able to make these - payments. For a personal problem he had to withdraw from college and transfer to a new -. It will be two more months before he will receive his refund money. We will be able ... |
Capital One Consumer Loan problems when you are unable to pay January 22, 2016 - I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corr... |
Capital One Consumer Loan problems when you are unable to pay January 15, 2016 - The COAF loan went into a charge-off situation. They mailed me a settlement offer on -. I did not have the funds available to take advantage of it. On - I sent a letter and check for $1100.00 with a settlement letter. They cashed the check, yet left the $8900.00 balance on our credit reports. We have gone back and forth for months until COAF, - - send us a letter saying they would accept the payment to settle this on -. Except COAF is still posting the $8900.00 balance? Will this nightmare ever end? ... |
Capital One Consumer Loan problems when you are unable to pay January 4, 2016 - A few weeks ago, I contacted Capital One for a 60 day extension due to me having - and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called -/-/- and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have - other vehicles that I purchased the same da... |
Capital One Consumer Loan problems when you are unable to pay December 29, 2015 - I purchased a Car in -/-/- and CapitolOne Auto Finance financed the vehicle. The Car was paid off in -/-/- and I was never late on making a payment, however in reviewing my all - of my credit reports capital one auto finance reported that I madone late payment. I requested the negative item be removed from all - of my credit reports by sending challenged letters to dispute the - negative item, however the item has remained on all - of my credit reports. ... |
Capital One Consumer Loan problems when you are unable to pay December 15, 2015 - Started having mechanic issues with the vehicle and I have been unable to pay for the repairs and keep the vehicle. I would like have my payments reduced & modified. My payment is currently $480.00. I do want to retain ownership my - vehicle. ... |
Capital One Consumer Loan problems when you are unable to pay problems when you are unable to pay November 17, 2015 - I was in a - -/-/- 2013. The day before I flew to - for tour I was - year old who was not paying attention. I was at a -, he was going over -. - company, the person at faults insurance company and Capital One Auto Finance were in touch with each other to dispute the issue. - - was going to pay, however we ended up going with the person at faults insurance. This obviously took a month or so to get worked out, during this entire process I was told everything was fine and my credit would be intact since the car was a total loss. In - Capital One sent me a bill ... |
Capital One Consumer Loan problems when you are unable to pay problems when you are unable to pay November 9, 2015 - Capitol one autofinance has continually called me and my employer. They call me multiple times a day from multiple numbers. They dont leave messages or identify themselves. They had disclosed the nature of the call to my employer when i wasnt there. ... |
Capital One Consumer Loan problems when you are unable to pay problems when you are unable to pay October 23, 2015 - I have never missed a payment of any kind in my life, and have made over 110 on time payments to my Capital One line of credit. I recently moved from - to -, and have ended up with a late payment issue with Capital One. Here is the sequence of events. I called to change my address and was told that it updated my loan as well, it did not. I realized that I had not received a statement and called to inform Capital One that I would be making a payment, and at that time they updated my address ( - - ). There was a mix up with bill pay and I paid one of my other Capital One accounts. Th... |
Capital One Consumer loan problems when you are unable to pay October 17, 2015 - Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency. ... |
Capital One Consumer loan problems when you are unable to pay October 12, 2015 - My vehicle is financed through Capital One Auto Finance. Initially in - 2015 the - payment was due although I did not receive a payment notification on this payment. When I spoke with customer service around the - of - I was advised of the payment and at that time I requested a due date change because the due date did not work for my budget. I was advised this would be changed and when my - payment would then be due. I made my - payment 8 days early or at least I thought I did based on the new payment date I was advised of. Toward the end of - I received another call stati... |
Capital One Consumer loan problems when you are unable to pay October 2, 2015 - My auto loan with Capital One Auto Finance was Charged Off effective - -, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future d... |
Capital One Consumer loan problems when you are unable to pay October 1, 2015 - My vehicle was re-possessed without ANY prior communication. My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was fine. Fine '' apparently means just kidding, we 're coming for your car. I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the rep... |
Capital One Consumer loan problems when you are unable to pay September 28, 2015 - I received a call from - from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from - court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it... |
Capital One Consumer loan problems when you are unable to pay September 23, 2015 - My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In -, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of $710.00 for a - Pathfinder, and on a fixed income, this ... |
Capital One Consumer loan problems when you are unable to pay September 18, 2015 - I got behind on my loan, I ask for 7 months can you give me and extension and put 2 months in the back and they keep telling the next month for 120 days. So they decided it was time to repo the car and the company they hired did almost - worth of damage towing it, So a week later I get the car back and it is leaking transmission fluid and there was a little crack under the front bumper that got bigger from driving it. I could n't drive the car due to the leak and the bumper .The repo man found my work shirt from a part time summer job that I worked at the past two summer that I never report... |
Capital One Consumer loan problems when you are unable to pay September 10, 2015 - I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least - calls and at least - text messages daily. Now I would consider after - calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but - calls at least a hour apart is ridiculous in any form of communication. ... |
Capital One Consumer loan problems when you are unable to pay September 9, 2015 - I had an account since - 2012 with capital one auto. After - years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a - times back to back. I have enclosed only a handful of calls. ... |
Capital One Consumer loan problems when you are unable to pay July 16, 2015 - I am being harassed while at my place of employment by Capital One Auto Finance regarding a late payment. Several fellow employees have received phone calls from - Representative name - continues calling my employer in spite of being instructed not to contact me here. ... |
Capital One Consumer loan problems when you are unable to pay July 11, 2015 - On - -, 2015 I contacted Capital One Auto Finance via online message. I advised them I was ill and in the process of going on - and that I wished to make arrangements to satisfy my contractual obligation to my auto loan. I advised them I could continue paying monthly once my - payments begin and asked to defer a payment or for help with an arrangement. They responded and advised me to call in and request the deferral and arrangements as well as offer to fax my medical documentation. I did as they asked, and was told that even though I am past due 1 payment, I do not qualify for any... |
Capital One Consumer loan problems when you are unable to pay July 10, 2015 - I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One - reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having - bills from the birth of my son ; however, that hasbeen discharged for - years, my reaffirmation agreement with Capital One was declined by the judge. Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n'... |
Capital One Consumer loan problems when you are unable to pay May 19, 2015 - I sent a financial hardship letter to Capital One Corporate Office on - -, 2015. At that time, my balance was $1400.00. This includes late fees and interested. - - responded from the office of the President on - -, 2015. I spoke with him over the phone as well. - - placed my account into their repossession department, froze my access to my account online, which does not allow me to view the payments that are being applied to my account. In his letter, the balance that I was told was past due is $1700.00. On - -, - - also told me that my loan was too new ... |
Capital One Consumer loan problems when you are unable to pay May 18, 2015 - I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act. ... |
Capital One Consumer loan problems when you are unable to pay May 2, 2015 - Starting in - I started receiving calls from Capitol One regarding my loan for the - - 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 - months to get caught up. Well, the phone calls started anyway and - person actually stated that if you are - month behind they will call me. I paid in - 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 - the calls continued and I was told twice I did not pay in -. Well, I started ignori... |
Capital One Consumer loan problems when you are unable to pay April 18, 2015 - The last payment made on this Account was - ... |
Capital One Consumer loan problems when you are unable to pay March 26, 2015 - A vehicle that I co-sgined for was repossed around -/-/-, and when I found out I contacted Capital One Auto to find out what I needed to do regarding the matter. I was contacted once by Captial One in -/-/- to tell me that they were making arrangements to obtain the vehicle and that I would be able to receive additional information once they obtained possession of the vehicle. I never received any more information regarding this matter until I received a letter from a - collections Agency in -/-/- stating that I owed them $8000.00. I immediately contacted them because I was... |
Capital One Consumer loan problems when you are unable to pay March 19, 2015 - Capital One Auto Finance repossessed and subsequently sold my car while it was under my husband 's Chapter - Bankruptcy. When I inquired to Capital One about regaining possession and rectifying the account I was told to call back when the bankruptcy was over. I called back. They had already sold car. My credit report showed a repossession and recovery amount owed. I was not given a chance by Capital One to regain possession of the car or take over payments. ... |