Due to a layoff, I got behind on my truck payment. I was paying but was about only able to make payments about every 45 days.By this month (March) I had reached 60 days past due but was beginning to get some work. When the account was about to be 80 days I made an arrangement with someone who claimed to be a manager named Gustavo. The arrangement was that if I would pay $815 (two payments - December and January) that he would defer the February payment and I would be due for March 24.
I agreed and made the payment by moneygram on March 16th.
On March 18 I received a collection call stating that not only was I past due for February but that I had to pay $200 additional in late fees. When I explained the arrangement the collector confirmed that the notes were on the account and that he would "take care of it"
On March 19 the calls continued, each time I explained the situation just as I did with the first call.
Finally I was told by someone supposedly named Frances that the deferral had been canceled and that I am past due.
The only conclusion to which I can come is that Capital One Auto Finance collection representatives are both dishonest and incompitent.
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