- Report: #85349
Complaint Review: Capital One Auto Finance - Plano Texas
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Capital One Auto Finance
3901 N. Dallas Parkway Plano, 75093 Texas, U.S.A.
Phone:
469-241-7000
Web:
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Capital One Auto Finance rude, harrassing, greedy, sneaky, dishonest, liars, Plano Texas
I have been using Capital One Auto Finance for the past 2 years on a car I bought. No, I do not have the best credit and I am thankful for them to give me a chance, but all they are doing in screwing up my credit even more.
Last year, I ran into some trouble with a job and was behind on payments. I made payment arrangements with a lady to pay $100 a week out of each paycheck to get caught up. Sounds good right? Well, she failed to tell me that I only had 6 weeks to do this. Then one night while sitting at home with a friend, I get a knock at my door (sounded like someone breaking in, scared me and my friend). It as a lady there to repossess my car. I told her I had made a payment, but Cap. One was closed so no one could be reached. This was 9:00p.m. I asked the lady to leave and she had to according to KS state law. After getting all of that taken care of, the same lady showed up at my work. I had made my payment. Where is it all going???!?!?!? I had to take off work to make phone calls and finally my boss gave me a check for the amount so I wouldn't lose my car. She left town later that day.
Now I am facing another situation with Cap. One. My payment is due on the 16 of each month. They start calling on the 17th if it is not in their grubby little hands. And it is not once a day, or twice a day either. One day they called me 15 times!!! And they call from 2 different numbers. 972-244-0051 and 866-279-0830. These calls start as early as 8:12 a.m. until 8:59 p.m. When I tell the rep I have already talked to them, (I may answer it once a week) they tell me they do not know about the other number and that they only call once a day. I have all the proof on my phone. Isn't Caller ID wonderful!!! Then when I do talk to these people and explain (like my situation right now) that I am off work due to pregnancy and no child support for the past 2 months and that i will pay as soon as I get the Child support payment, they keep asking me over and over again when I will make a payment. Didn't I just tell you I didnt have a specific date?!?!?!? If I knew I would tell you and get it all made up, but I don't. How can I give you anymore information? These people are all rude, snotty, and out for our money. Oh and on top of this, I have a $25 a month misc. fee that no one can explain. I refuse to pay it and have turned this company into the BBB.
I am sure I will get a rude rebuttle from one of their employees but I have read several other reports made by Cap. One Auto Finance's unhappy customers and I think there is something fishy going on? NO grace period, two different mailing addresses, late fees have to be mailed seperate, misc. fee, and who knows what else.
PLEASE PLEASE do not use this company. I am so deperate to get rid of my car just so that I do not have to deal with them again.
Oh and this just in, in January I had a payment due of $700 and some odd dollars. I paid $900 on the 29 of that month. My monthly statement is now saying that I am behind $700. It should be $480. Hmmmmmmm, what is the extra $220 dollars for????
Heather
Osawatomie, Kansas
U.S.A.
Last year, I ran into some trouble with a job and was behind on payments. I made payment arrangements with a lady to pay $100 a week out of each paycheck to get caught up. Sounds good right? Well, she failed to tell me that I only had 6 weeks to do this. Then one night while sitting at home with a friend, I get a knock at my door (sounded like someone breaking in, scared me and my friend). It as a lady there to repossess my car. I told her I had made a payment, but Cap. One was closed so no one could be reached. This was 9:00p.m. I asked the lady to leave and she had to according to KS state law. After getting all of that taken care of, the same lady showed up at my work. I had made my payment. Where is it all going???!?!?!? I had to take off work to make phone calls and finally my boss gave me a check for the amount so I wouldn't lose my car. She left town later that day.
Now I am facing another situation with Cap. One. My payment is due on the 16 of each month. They start calling on the 17th if it is not in their grubby little hands. And it is not once a day, or twice a day either. One day they called me 15 times!!! And they call from 2 different numbers. 972-244-0051 and 866-279-0830. These calls start as early as 8:12 a.m. until 8:59 p.m. When I tell the rep I have already talked to them, (I may answer it once a week) they tell me they do not know about the other number and that they only call once a day. I have all the proof on my phone. Isn't Caller ID wonderful!!! Then when I do talk to these people and explain (like my situation right now) that I am off work due to pregnancy and no child support for the past 2 months and that i will pay as soon as I get the Child support payment, they keep asking me over and over again when I will make a payment. Didn't I just tell you I didnt have a specific date?!?!?!? If I knew I would tell you and get it all made up, but I don't. How can I give you anymore information? These people are all rude, snotty, and out for our money. Oh and on top of this, I have a $25 a month misc. fee that no one can explain. I refuse to pay it and have turned this company into the BBB.
I am sure I will get a rude rebuttle from one of their employees but I have read several other reports made by Cap. One Auto Finance's unhappy customers and I think there is something fishy going on? NO grace period, two different mailing addresses, late fees have to be mailed seperate, misc. fee, and who knows what else.
PLEASE PLEASE do not use this company. I am so deperate to get rid of my car just so that I do not have to deal with them again.
Oh and this just in, in January I had a payment due of $700 and some odd dollars. I paid $900 on the 29 of that month. My monthly statement is now saying that I am behind $700. It should be $480. Hmmmmmmm, what is the extra $220 dollars for????
Heather
Osawatomie, Kansas
U.S.A.
3 Updates & Rebuttals
Ryan
Lexington,Kentucky,
U.S.A.
Employee rebuttle is false.
#2Consumer Comment
Wed, December 01, 2004
This "employee rebuttle" is false, because I've had my car financed through Capital One for over 2 years and once when I was out of town on business they called my cell claiming they hadn't recieved my check. I talked to whoever was handling my account and told them they should have recieved payment, but at the least I'd be back in town the following Monday and check my bank statement. They said that was fine, they'd call me the following week and make a note on my account. I had my phone on silent the next day while in meetings, and they called my cell 23 times! 10 in the span of one hour, no joke. I've found this company, above and beyond ANY I have ever dealt with, to have horribly crass customer service reps and a generally ignorant way of handling things. this isn't my ONLY story regarding them, but it's the one that pertains. I hope the employee is getting paid well enough to spin his company's poor customer service which is WELL reknowned.
Christina
MANASSAS,Virginia,
U.S.A.
Happy Cap One Customer
#3Consumer Comment
Sun, November 28, 2004
I have been with capital one for 3 monthes now, and am totally satisfied. I am a 21 year old un-married mother who really needed a car but had insufficient credit to get a loan from most other companies. I am very statisfied with them. I have not gotten one phone call from them. At the same time though, I have made my payments on time. My fiancee also financed through Capital One. He got a letter stating that the gace period was TEN DAYS.. maybe people are upset they didn't get a grace period beyond the grace period. He has called in on the 10th day of the grace period a couple times to make a payment and was never charged. People need to realize they had to go to Capital one because they had bad credit, and there is a reason they had bad credit, because payments weren't made on time. They are just protecting themselves. Look at it from their point of view. They gave you money when you were in a bad position, so you need to be gracious and pay them back! This will improve your credit so in the future you can have beter interest rates, and more options.
Matt
Tulsa,Oklahoma,
U.S.A.
Solution
#4UPDATE EX-employee responds
Wed, July 28, 2004
To avoid calls and a recovery agent coming to your house, make your car payment on time. If a collector calls you, answer the phone or return the call. They will not keep calling. Your situation is unfortunate, but because you are off work and not getting your child support does not mean you don't have to make the payment. The contract you signed, you agreed to make a monthly payment on a certain due date each month. Capital One like any other finance company is not breaking the law by trying to collect on the past due debt you owe to them. If payments are made on time, you won't be bothered. Its as simple as that.
