I made 2 payments to Capital One Auto that they have but, they have not posted them to my account. The first one was and ACH bank draft on 8/1 and the second was a Money Gram wire on 8/15. They have called me numerous time threatening to repo my car. I have contacted my bank several times - I and my bank have supplied all of the "proof" documentation.
I have supplied the refernce number for the Money Gram. And, when I call and talk to Capital One they look it up and say "yes, it is pending and the account# & amount are right". So, why is it not posted to my account? They just keep telling me we are researching it... This has been going on for about 3 weeks.
I was already dealing with them over the ACH when I made the Money Gram payment (which is why I did it that way... They said Money Gram would post immediately)... Well, here it is 2 weeks later and it still is not posted.
They called this morning and the girl told me the tracing number from my bank for the ACH is for an NSF so they do not have the money - I should contact my bank. So, I called my bank once again. The lady at the bank said "no, the info I gave them is for a cleared apyment to them on 8/1". I told her I don't know what else to do at this point - I am afraid they will come get my car - and it is their error not mine. Anyway, the lady at the bank said she would call them again herself and see if she could get anything straightened out. She said she thinks they are just giving me a run-around and cheating me out of my money... Because they definitely got the payment (what they did with it is the question).
So, I called back the lady at the repo dept of Capital One and told her what was going on. She said she didn't understand the problem and she read the notes from the other lady (the one that handles payment processing) about the payment being NSF. But, then she looked at an eamil that has been going around about this and she said it says right on there the ck was NSF on 7/28 and sent back in 7/30 as ACH which cleared on 8/1. So, why won't they post it to my account? I don't know what to do? But, I know I will NEVER use Capital One again and I make sure to tell everybody I know not to use them.
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