Due to financial difficulties I filed a Chapter 13 bankruptcy in February. My car had been repossessed; however, because of the bankruptcy I was able to get it back. I was advised to continue making my regular payments to the same address where I had been sending them. Any past due amount was a part of the payment plan of my bankruptcy. I attempted to trade in my car (early 2004) to get rid of Capital One Auto Financing since they had been very difficult to deal with during our time of financial distress. When I asked for payoff, I was told it was a little higher than it was when I filed the bankruptcy. I asked where my payments went because I had been sending them to the Long Beach, CA address as usual. The guy on the phone said he did see where payments were received and he couldn't tell me why the balance never changed.
Then on May 5, a deputy appeared at my place of employment with a Warrant in Detinue that stated if I had a dispute, I must appear at the hearing... The hearing date: April 5!! A month earlier! The amount showed owing: the same as it was for the past year! I want to know what exactly happened to my 14 payments! Is someone embezzling in the company or is someone just plain stupid?!
I would not advise anyone to use this company... I refinanced because of the offer and it only saved me about $70 per month. I assure you I will NEVER do business with Captial One Auto Finance or Capital One anything ever again!!
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