I have an auto loan with Captial One Auto Finance which is one of four car loans that I have, plus a new house loan. We have had the loan for about three years and have never been more then 30 days late. We have been a few days late about 3-4 times during the entire three years. Our most recent experience with this company has been terrible. At this time, we are about 7 days late and have been recieving daily calls from them regarding payment. When we speak with the representative, whose is not even American (from India), they are very rude and seem to not even care about what we have to say. They simply want to know when we are going to make the payment.incidentally, today we recieved four phone calls from them even after we informed them that the payment had been made. They wanted to know more about the payment; when we made it, how much it was, etc.
What I find troubling about the situation and the company is that, they are recieving payments and have for three years, and yet if you are a few days late, they find it necessary to harass you about getting their money which has never been more then 30 days late, just a few days. Not one of the other three loan companies have ever called us regarding payment. I guess that Capital One has to pay for a college football game. The second problem I have is that the calls are always from India. I guess Americans aren't good enough to work for Capital One. With the economy being in the shape it is one would think that big businesses would try to keep their jobs in the country. I image though that the CEO wouldn't get a big bonus if he had to spend more money to keep jobs here in the states. Plus, sending the jobs to other countries helps establish resentment between the US and the other countires, which is also good business, right.
One thing is for sure. I will never use Capital One again to finance anything. I think that they are rude, inconsiderate, un-American, and nothing more than a money grubbing company.
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