Complaint Review: Capital One

Hey Charles, how's Phoenix City and Miss Hawthorne?  Chaz still rubbin' ya the wrong way with his comin's & goin's?  I'm just curious, where's your grandma gonna sail her house to?  Hope it's in better shape than Cap One's truck.  

All these banks screw everyone because the law lets them! I don't understand why Capital one decided to take the truck after 10 years of having it. THEY DONE IT OUT OF MEANNESS! like how wells fargo did their customers! Capital one is just as bad all banks and finance companies are! Well, the trick had engine problems the engine would vibrate and hot air came out of the air condition. Turn signals blinked fast no taillights bald tires where you can see the rims fuel filter needed replacing which cost about $1000 bed was all ruined and scratched up. The steering wheel had a tear which for a new wheel would cost about $400.

New 4  truck tires including wheel balancing would cost about nearly $700 new spark plugs $300 new wires for the tail lights, tears in the seat new knobs for the radio new battery new license plate tag lights bed needs to be repainted. That truck needed some serious body work before they could auction off. The steering wheel was shaking and vibrating because the wheels needed balancing which they hadn't been since 2014. The driver's seat needed replacing.

SO CAPITAL ONE THOUGHT THEY HAD ME AND WAS BEING MEAN AND EMBARRASSING ME IN FRONT OF MY NEIGHBORS. WELL, THEY FOUND OUT REAL QUICK HOW EXPENSIVE THE BODYWORK AND REPAIRS  THE TRUCK WAS GOING TO NEED BEFORE THEY COULD AUCTION IT OFF. BECAUSE NOBODY WOULD BUY IT WITH THE SHAPE IT WAS IN. AND IT HAD 85,000 MILES ON IT.

The ignorant scum on this site still hasn't learned that they can't treat people like this. I have rights to but according to the slime bucket sleazeballs on this site, I don't! They hadn't realized that they can't scare me away.

Since i seem to be a joke to them. But that doesn't really matter to me. They think they can harass people because their lives are so perfect and they don't have anything to worry about. I'm so entertaining to them. I don't care if anyone doesn't take me seriously.

The people responding to me are the true scum of the earth. And nothing that these people have said to me has offended me. 

So have a good day!

After Charliekins responded to me I looked up good ole boy boulevard, AKA Highway 80 and found it goes right through Phenix City. Charles, we love ya man! RipoffReports would be a ripoff of our time if it weren't for you good buddy! I'm rolling on the floor envisioning this rollawreck of yours, with you driving it with your feet through a rusted out floor like the Flintstones car.

I agree with you, Cap One should be ashamed of themselves taking such an entertaining classic, one of a kind vehicle away.

Guess we all gotta wait another few years until you turn whatever grandma buys you into an equally entertaining road hazard.

Its just outright harassment and abuse for some reason. By total strangers, they feel they have a right to treat people like this especially me but I'll know that I will never get an answer. I'm not afraid to make complaints when I have been wronged. But these rats on this site will never get the message about picking on me. 

  They don't want me to have access to medical care or anything!  KISS OFF! So doctors terminate me as their patient because of the rude B****** in the office staff are rude. This site wasn't invented for bullying or harassing victims of bad business. But they want to give people the wrong impression that its a safe haven for bullies to give victims the wrong impression and not to file complaints. Its like how they harass victims when they file lawsuits to get money damages. Just plain harassment.

It didn't hit me until VOR said so.  Then all of the Wells Fargo complaints and complaints about Republican Presidents all made sense, and I smiled.  I join with VOR, and say welcome back...we miss you good buddy.  You are entertaining!!  Perhaps you should try Chase, or US Bank?  Don't even try BOA; they probably screw everyone in Phenix City.

Next time, at least put one of the responses with your name on it.

Due to the fatal accidents on highway 80 during 2017-2018 they had to install a red light. But negligent drivers who text and drive or just plain careless run it still. I was a safe driver it's the redneck morons who act like they're the only ones on the road and not look for oncoming traffic are the ones who cause the accidents. And the abusers from capital one has to deal with the repairs before they auction it off! They wanted to be deceitful slime and take it fine! I should have never agreed to the loan with them at the dealership 10 years ago, knowing how bad they were when they took over a credit card I had.

They still abused me when I even tried to pay it off. Capital one abused me yet again by stealing my truck. But that's okay my grandma will buy me a new truck once she sails her house. And I will post a pic of it letting Y'all know I'm back on the road. But IT WILL BE PAID FOR WITH CASH THIS TIME!

Now I'm putting 2 plus 2 together! Anonymous name, no city, mentions Wells Fargo too, has titles almost as long as the text, calls us all names and sprinkles a lot of "y'all"s around.

HI CHARLES!!!! How the hell are ya, my man! My main man! A big, booming shout out to Phenix City! A safer place to be on the road now that your epically bad 10-year old roadkill has been taken off it.

Just because this is a public website don't give y'all the right to speak to people the way you do! And of course, Y'all think that capital one was in the right to take my vehicle even after they got bailed out with our tax money and they were still greedy and selfish by taking it. This is how these banks thank us taxpayer who bailed them out by taking our vehicles even though I paid enough on it. Even though it had a lot of problems with it. Capital one is the biggest abuser of consumers than capital one.

They abuse their own customers then they treat them like this with their vehicle. Capital one is nothing but a bunch of deceitful abusive scumbags!

You people on this site think Y'all have some right to throw stones at somebody who writes a complaint against a business! Y'all will not stop until you break down the person for them to want to commit suicide. Well, I will not give y'all the satisfaction that y'all had that type of control over my life.  There were no excuses that the banks had for why they needed "OUR TAX MONEY" to bail them out of their financial mess. They sure won't help us out! And this is how the banks thank us  the taxpayer. By stealing our vehicles without trying to help us to try and keep them!

It doesn't surprise me that Y'all call the army guys who fight for our FREEDOMS deadbeats. Even though they were current on their auto loan and wells fargo took it upon themselves to steal their cars! and ruin their credit. Even though they got our tax money this was how banks said thank you to the taxpayers by taking their cars!

Your comments about the TARP loans have been discredited by the fact that the loans were repaid [with interest] but you have elected to continue with the same childish rant.

You are correct that we don’t know the details of your financial situation but we know your troubles are not the fault of the lender. You claim that Capital One has committed theft and performed an illegal repossession yet you have failed to substantiate those claims.

It is evident that your claim that you have paid enough on the vehicle conflicts with the financial agreement. You are expected to fulfill the terms of the agreement. Would it be reasonable for an employer to tell an employee, ‘I’ve paid you enough over the past ten years so for now on I expect you to work without receiving a salary’? I anticipate you will dodge that question just as you have evaded other questions.

After all, you came here to complain about this company, right?  You wanted US to harshly judge the company based on your complaint.  Before we can do that, we first have to judge YOU to determine if the complaint is valid.  As this site says, you may be entitled to your opinion, but you are not entitled to your own facts.  You want us to judge Capital One and consider them a bad company - all because you decided you no longer wanted to make car payments.  Except that of course, that isn't your decision to make.  You have a contract with the bank - all your complaining about is the remorse you feel for still having car payments on a 10 year old car.  And who made that choice?  Why you did, of course.  So how can we judge the bank if you chose not to hold up your end of the deal?  We can't.  Therefore, we judge you.

All of these are facts you want us to either overlook or deem as unimportant.  We cannot overlook those facts, nor are they unimportant.  Therefore, we cannot judge this bank as doing anything wrong.  If you wish for us to harshly judge a company, then you need to be an innocent party in all of this.  You are not an innocent party; in fact, this entire complaint is your own fault.  Perhaps you should act like a grown adult and accept that responsibility.  Otherwise, you're just another deadbeat.

Just as a reminder - the banks all got bailed out. All the banks paid back their bail out amounts with interest, and they all paid back their bail out funds early.  If you wish to be treated the same as a bank, then you need to pay back your loan with interest - early.  If you cannot, then you cannot validly use the bailout of the banks for any reason.  It's just another rationalization from a deadbeat.

I really don't care don't care don't care don't care don't care what y'all think you don't know my personal financial situation so how can you sit there and be so judgemental

How can all you sit there and be so judgemental? Y'all are the one posting hate speech and intimidating comments. But for some reason, Y'all are allowed to do it! This website was invented to so people can make complaints about the injustices these rip off shady companies and banks do to people. This site is not a safe haven for you bully instigators to put people down or to personally insult them! 

I PAID ENOUGH ON THIS VEHICLE! But capital one is the thieves here! I really don't care about what y'all think! A person who is having financial difficulties who is unable to pay for their bills is not a dead beat. I had this vehicle for 10 years and paid enough for capital one to let me keep it but they did! 

  WELL, THESE BANKS ARE DEADBEATS THEN TO. FORGETTING THEMSELVES INA FINANCIAL MESS AND USING OUR TAX MONEY TO BAIL THEM OUT. AND THIS IS HOW THEY SAY THANK YOU BY TAKING OUR VEHICLES LIKE HOW THEY DID OUR ARMY GUYS FIGHTING FOR OUR FREEDOM. "AND THEY WERE PAYING FOR THEIR CARS WHEN WELLS FARGO STOLE THEM FROM THEM!" 

Who the hell even has a car loan for 10 years? I've never heard of refinancing a car loan, but I guess such things exist. Man, you are one original! No taillights, bald tires, shot engine and a defaulted loan! Hahahahahahahahahahahaha.......!!!!!!!

I can't even picture what this wreck looks like.

Tell us please, what consumer protections did Trump take away that would have allowed you to keep your car without making loan payments?

Oh, I suppose that you call all the army guys who wells fargo stole their vehicles, deadbeats, to uh?  A deadbeat is a deadbeat is a deadbeat.  You don't get a break if you were in the armed forces, or police, or a first responder.  You're not going to get sympathy for that.

You DO NOT know everyone's personal situation to make that kind of judgments and throw stones at people!  Your personal situation is completely irrelevant and again, has no bearing on you being a deadbeat.  With a loan, there is no such thing as a personal situation.

With the vehicle being 10 years old with nearly 100,000 miles on it. Capital one could have mercy and grace and let me keep the vehicle, considering how much money that I had paid on it already.  Why?  You haven't finished paying off the loan you were given.  You don't get either mercy or grace on a car loan.  Even the banks who were bailed out - paid their loans back early and with interest.  Perhaps you should as well.

But I get called unjustly a "DEADBEAT" People like you abuse this site. This site wasn't created for the bullies like schoolyards!  This site fully embraces the 1st Amendment and when you put forward an unjustified complaint, then you are going to be called out for it.  That's what this site was created for.  Stop playing the victim.  You aren't very good at it.

So capital one only got themselves if they thought they were hurting me.  They were cutting off their own noses to spite their faces!  Actually, you only hurt yourself.  In a repossession situation, Capital One will make sure your credit will be trashed so you can't get another loan.  But here is the best part...  I expect a 1099 form to come to you from Capital One in which you will have to declare income on your 2019 tax return for the uncollectible balance on your repossessed car, since the IRS considers that loan write-off as a benefit, or income, to you - if your car is in the condition you say it's in.  Yes, this means you will be paying the IRS (and Trump) for taxes due on that income.  Is that something you really want to do?  Perhaps you should rethink the harm that comes to you in a repossession situation?

You appear confused as to whether your complaint is about Capital One or Wells Fargo. Capital One honored their agreement by repaying the TARP loan with interest. Perhaps you should follow their example.

You defaulted on the loan. It is absurd for you to expect the lender to forgive the loan. What was illegal about the repossession?

Operating a vehicle with no taillights and bad tires is operator neglect and imposes a danger to others. It’s good to know there is one less dangerous vehicle on the road.

Your attitude is appalling. Better hurry or you’ll miss the bus.

Based on your rant and the few pieces of information you did give us, this is what you have layed out.

You purchased (or refianced) an older model/high mileage car and financed through Capital One.  When you got the loan that was a legal agreement that you would make ALL agreed to payments when they were due. There were no conditions that said you only had to make it when you could, or as long as the car was in "good shape". There was nothing in that legal agreement that stated once you felt you had "paid enough" you would no longer be subject to the contract and they didn't have to make any more payments.

So unfortunatly once you failed to make the payments, they apparently exercised their legal rights and reposessed the car and are very likely holding you responsible for the balance.  This is NOT a RipOff and no different than any other bank.

It appears you seem to have a history of failing to fullfill your obligations.  Now, because of your history. If you are even able to get another car loan, it will be most likely with a lender who deals with Sub-Prime borrowers. So not only will you be paying an even higher interest rate, many are much stricter in making sure you pay. Some will even put a GPS device in your car, where if you are even a few hours late on your payment they disable it and will not allow you to drive it  until you make the payment. This GPS device makes it even easier to reposess the car for them since they know exactly where it is.

Good Luck

I had 10 good years out of my car. It was falling apart anyway. It had nearly 100,000. It had no tail lights the engine needed new spark plugs when I drove it vibrated badly. It had no brake lights no tail lights or turn signals.  The tires need changing you could see the rim that was how bad the tires were. All 4 tires needed to be changed and balanced. The oil needed to be changed. I'm glad I didn't put any money for those things to be repaired. Knowing the low down dirty trick capital one did.

I almost filled the tank up. But I ran all the gas out! There were several thousand dollars of repairs that need to be done. There was a tear in the steering wheel. Which would cost about $400. The seats need to be replaced because they can't be repaired. So capital one only got themselves if they thought they were hurting me.  They were cutting off their own noses to spite their faces!

You are the real scum of the earth! I guess you "FAILED TO READ" you just wanted to jump right in to judge me. I paid over $10,000 on it. You just want to call people names and be a judgemental jerk! Oh, I suppose that you call all the army guys who wells fargo stole their vehicles, deadbeats, to uh? You DO NOT know everyone's personal situation to make that kind of judgments and throw stones at people!

With the vehicle being 10 years old with nearly 100,000 miles on it. Capital one could have mercy and grace and let me keep the vehicle, considering how much money that I had paid on it already! Capital one is turning like wells fargo. But I get called unjustly a "DEADBEAT" People like you abuse this site. This site wasn't created for the bullies like schoolyards!

It's capital one who is the true DEADBEATS! But capital one is greedy slime sleazeballs. Just like YOU who responded to my complaint!

YOU ARE THE ONE POSTING HATE SPEECH AND BEING INTIMATING! BUT FACEBOOK AND SOCIAL MEDIA SITES WILL LET YOU GET WAY WITH POSTING AGAINST SPEECH AND BULLYING PEOPLE. WHILE THE VICTIMS ARE THE ONES WHO COMMENTS ARE REMOVED AND BANNED. WHILE THE CREEPS LIKE YOU WHO ARE POSTING HATE SPEECH COMMENTS! AND BEING INTIMATING!

KISS OFF!

 Looks like another deadbeat who failed to do what they said they would do...pay on time...throwing a temper tantrum because of the repo they brought upon themselves!