Be careful when dealing with Capital One for any form of loan, especially if your loan originated with Hibernia Bank. My wife and I have run on rough times and our car note has been paid late several time, never more than one month. However we have been visited twice now by a repo man sent to take my wifes car for non-payment.
Upon inspection and with hassle we come to find that our late payment fees have instead been charged to our principle without our knowledge or permission. We are now told that we owe $1300 in unpaid fines, fines that were paid but not placed where they should go. Very sneaky Capital One, everyone hope we do not have to pay these jokers twice!
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