I just had to write about my unfortunate experience with this company. I made payments on my beloved Jetta for three whole years.
Not one single payment was ever late! One evening after work, I parked my Jetta in my carport and went into my apt. Approximately 10 minutes later. Car burned to a crisp due to a mechanical malfunction.
I called Capital One the very next morning and told them what had happened and asked them what my payoff amount would be so that I could submit that to my insurance. They gave me an amount, and I then gave the amount to my insurance. So far, so good. Well, about 2 weeks later I called Capital One to see that the payment had been received and posted to my account so that they would release the pink slip to my insurance. They had not received the check. Well, waited another 2 weeks, and still no check had arrived at Capital One. I verified with my insurance that they sent the check to the proper address, and they did! Finally, the insurance adjuster decided to issue a stop payment on that check, and issue a new one. Ok, but then guess what happened? The lost check was deposited by Capital One the following day!!! Talk about right hand not knowing what the left was doing!
I tried to resolve the matter with one gentleman there who was extremely rude on the phone and verbally attacked me. Literally! I was shocked, and appauled.
Ultimately, they did receive the payment and post it after all that was said and done, but the "posted" date went beyond the date that the payoff amount gave me was good. So, the insurance check was not enough!
This check was probably sitting in their mail room for who knows how long! They know were demanding $125.00 for additional interest! I had to pay this to keep my credit good.
Shame on Capital One for charging me for their negligence in their mailroom. I will never use that company again!
Julie
Downey, California
U.S.A.
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