Capital One Consumer Loan Complaint

Capital One Consumer loan department,

Vehicle loan Taking out the loan or lease Texas

I purchased a 2011, - - from - - -. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( $2200.00 ) or the deal would not go through and # 2. The selling price including the warranty was $18000.00, the interest was 19.79 %. Before I made my - payment on the vehicle I received a letter that stated I owed an additional $280.00 Plus dollars. I am charged a daily interest rate that I was not informed about of $9.00 per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the - of the month but I pay usually on or about the - except for the month of -. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that - of the issues apply to me but I can only pick -, they are : Shopping for a loan, Taking out the loan and Managing the loan.