I have just started to deal with COAF collections after missing one payment. I am not disputing the amount owed. I am disputing the collections and phone harassment that is happening. The rep told me he would call 50 times a day if he wanted to. After calls back to talk with a manager, they still state they will call every day until a payment is made - I have even given them a date I can make the payment on. They told me I can sell stuff from my house, have a garage sale or beg for the money to make the payment sooner to stop the calls. Now that's ridiculous. I even stated if this really is the way it's going to happen (yes I have a long story too about why I have fell on hard times-but I won't get into that) than just come pick up the car. They went on to say after they do and have added money to it for pick up etc; they will be calling again for the balance.
All I have done is asking to work with me; I can make the payment on a certain day final. So after the fourth call today, I went to the COAF web site to look for information to call someone else at this company to try to resolve and found under Corporate Governance - a number for a third party for concerns or complaints about Capital One' accounting, internal accounting controls or auditing matters and that it can be submitted anonymously and confidentially via the Capital One EthicsLine at (866) 785-9735. The representative was committed to take information and fill out the report while on the telephone (up to 10 mins needed) well worth it if this helps with collection practices and yes phone harassment practices (again not disputing amount owned) disputing the above. I did give all my personal contact information to see where it leads. Check out the Corporate Governance page and make a report. It will make a difference if we all do.
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