I have a car loan through Capital One.in an honest attempt to pay in a timely manner, I signed up for automatic bank draft. At the time the rep advised me to go ahead and send a check for my September payment because the bank draft would take 45 to 60 days to take effect.
I did and to my surprise they check I mailed cleared as well as the automatic deduction on the same day!!! I called them to alert them of this and the fact that I can't afford to pay two car payments in one month, they assured me I would have my funds back into my account within three (3) business days which would have been a Friday.
Friday, no money, and it is now almost Friday of the next week and I still have not gotten my money back into my account but yet I have gotten rude reps, insensitive, arrogant managers.
If you are one day late with payment they will call, harrass and badger you 3 or 4 times a day, but for their mistake they drag their feet and tell you there is nothing they can do. That is complete and full BS!!! I am fed up with Capital One and I am considering filing a lawsuit against them. I have a freeze on my bank account and therefore my family is more or less out in the cold all because of Capital One. I have over $300 in overdraft fees on my account, which they will agree to reimburse me for In 25-30 Days!!! Is there any attorney who will take these clowns through the ringer???
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