Purchased vehicle from Chrysler dealership in Charlotte, NC in Dec. 2000. Had received a Pre-Approval letter from Capital One Auto Finance. Car financed through the dealership with Capital One Auto.
Upon leaving the dealership, I was given a Generic contact form that had Capitol One Auto Finance typed on it. I never received any type of paperwork from Capital One explaining their "collection" practices. Never told that I had 'No Grace Period' to make my payments.
Found out very quickly that once the due date arrives, so do the phone calls. Mornings, Nights, weekends. They call EVERY OTHER DAY! I tell them when I can mail my payment, etc, and they say "The calls will continue until we receive your payment". This has been going on for three years now.
I have recently divorced and the car is in my x-husbands name first and I am the co-signer. The property settlement with our divorce has not been settled yet. Therefore, since my home number is the last number they have; they continuously call my X-Husband at my home. I have told them everytime they call that HE does not live here and that we are no longer married.
My teenage sons started answering the phone to keep ME from going through the harrassment. My boys are harrassed, called liars, and questioned to the 3rd degree. My boys are 13 and 17. They tell Capital One that their dad does not live here and that I cannot come to the phone or that I am not home.
When I talk to the collectors, one man in particular is RUTHLESS. He NEVER gives his name or he makes up one; the last one he gave was "CARLOS". I tell these people the truth every time and 2 days later someone else is calling and says they have no record of my last conversation claiming they do not know I am divorced, they do not know my x-husband doesn't live her.
It is TOTAL HARRASSMENT. I told them that I wished I had never financed with them and that no one else has ever treated me this way. I am given the reply "We are not EVERYONE ELSE."
Do NOT use CAPITAL ONE FINANCE. You will be sorry you did and you will not get alot of sleep because they love to call and wake you up, interrupt your holiday dinners and your Sunday Family Time with no regard to your requests to stop harrassing you.
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