Capital One Consumer Loan Complaint

Capital One Consumer loan department,

Vehicle loan Problems when you are unable to pay North Carolina

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 stating my account was more than 30 days behind and after informing customer service of the information I once again was told everything would be updated and the account would reflect what they had said. I waited for the confirmation but did not receive -. In - customer service contacted me saying the same thing about my account status. I spoke with the agent and she assured me that after the account was so called


what I had been advised my next payment was due on - - which I did pay. Unfortunately due to reasons beyond my control my account was hit by fraud and - 's payment was not available by the time the check cleared. I advised Capital One of what happened the first of - and advised them as soon as - - credited my account I would make the payment which I attempted to do on - - in the amount of -. I received confirmation of the payment scheduled and then on - - Capital One called and requested a payment which I did understand due to the payment on the -. - stated no payment processed on the - and due to it being 30 days she could work out a catch up plan with me. I was advised my account was - payments behind and according to the changes it is not. I told the agent that I had the - to pay on my account and the payment was scheduled but she insisted on putting me in this catch up plan '' and I was concerned about my credit being affected. The agent plainly stated to me that this would keep the credit from being affected because it would appear to be current. Finally I agreed on the plan and gave her a - payment. I called into Capital One after receiving the notice because it stated the status would be turned into the credit bureau totally opposite from what I was told. She stated to me that once the plan was complete the negative marks would show current. I heavily stressed the negative being off and she assured me if the plan was carried out the late payments would be removed. Once again I was lied to after getting another letter and speaking with a customer service agent. The late payments would not be removed and would remain as late pays on my credit is how the plan works. I am upset at my the initial lie where I was granted a date change and thought my payments were being paid correctly but were late from the beginning but even more so the catch up plan '' they claimed to not affect anything has impacted my credit severely when I was paying a payment and then another - 4 days later but was advised no that with the plan I only needed to pay - and not - on Tues and - on Fri. Had I not been informed correctly with the deceptive lies my credit would not show late payments and a balance due of - payments.