Usacomplaints.com » Cars & Transport » Complaint / Review: Capital One Auto - Finance ripoff. #152551

Complaint / Review
Capital One Auto
Finance ripoff

I had Kep bank for my van loan and no troubles with them. They were bought by Capital one Auto and my nightmare began.

I received a letter stating my payment was due by the 30th of Jan. So I sent in a certified bank check on Jan 17 along with the amount due and it had my account number on it. I also decided to send an extra payment the next day so I sent a money order along with my account number on it again on Jan 18.

I received a phone call at work from a rep and he told me my account was past due. I told him I received a letter stating it was due Jan 30th and today was the 21st. He told me that letter was wrong and he wanted me to stop payment on my check right now and do a check by phone. I told him I am not doing that I made the payment beore I needed to. He kept me on the phone for over 17 minutes while I am at work. I kept telling him no I made the payment plus one. The calls didnt stop. He called me 2 more times within 15 minutes finally I left work for the day. I just moved so they didn't have my new phone number thank god.

The next day Jan 22nd my employee took a call and told capital one I was not here. The rep procedded to ask her" well did she call in" my employee told him I don't think that is your business. He told her well I need to know so I know where to call her, she told him the same thing again and hung up. He called back later and told my employee well I talked to her mom and she said she is at work so where is she? My employee told him again she isnt here now what part of that don't you understand? And the rep hung up.

My mother called me and told me a rep called from the bank and wanted to know waht was going on so I told my mom. My sister called me on the 23rd of Jan and someone called asking where I was and all these questions and she told him she didn't know so I told my sister the story.

Finally I called and spoke with someone and told them I am 2 years old they don't need to call my mother and sister if I am nto at work it isn't their business and furthermore it is NOT my fault they lost my check. I spoke to someone in their " Operations dept" and they can trace checks so don't let them tell you that you need to cancel yours and do a check by phone bc you dont make them trace the one you sent! They still have not found them and they wanted to reposses my van. I called my personal bank and my bank confirmed they had cashed my check on January 22nd. Capital One has no record of this. On the 23rd they FINALLY found my second payment I made by mondey order and posted that to my account. I had to call my bank and get a copy of my cashed check, come into work on a weekend and fax a copy of my check to show proof they cashed it and I circled my account number and wrote on there that there was NO reason they misapplied it the correct account number is on there. I did that on Jan 28th called every day every 15 min and they confirmed on my account notes they received my fax and they were checking into it. I called all the way up until Jan 31st adn no check was posted to my account yet.

Fianlly on Feb 1st, I called and nothing yet. The dumb rep I talked to said ms I told you I need a copy of your check. I started yelling I had lost it by now that I had already sent it lookin your notes dummy and see that YOUR company confirmed the received the copy of a check. Then I made him transfer me to the Operations dept that I had been asking for all along. They can do research to see where your check it. Finally I got someone there and after yelling at them they found a copy of my check ona seupervisors desk that he had "misplaced" I made capital one take off all late fees and interest.

Theya re dumber then a box of rocks there, I hate them. My correct account number was on 2 checks and they still lost and misapplied one. They called and harassed me daily even though I was not late and had a letter stating my payment was not even due till the 30th. I have told them not to call mea t work adn they still did it. Thhey like to harass people.

They need to learn how to traint he reps to deal with people in a more professional matter and know what they are doing. I hope people read this and DO NOT go through them they are terrible!!!

Kelly
utica, New York
U.S.A.


Offender: Capital One Auto

Country: USA   State: Texas   City: Plano
Phone: 8009460332
Site:

Category: Cars & Transport

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