Capital One Auto Finance Payment Obligation met, keyed in wrong, non-stop harrassment Long Beach California
I called in the beginning a march and was informed I was eligible to defer my March payment for a $35 fee. I paid the fee and was assured that everything was processed correctly. Started receiving non-stop collection calls (starting at 8am and ending at 9pm - at home & at work, multiple times a day). I explained each time that I did a deferral. I called customer service 5 times and was assured each time that it was corrected. I kept receiving the constant harrassment at home and at work.
Just called and spoke to a supervisor and again was assured that it's been taken care of. When I asked for him to guarantee me that the harrasment would stop I was told "there are no guarantees in life". When I asked for his supervisors name he gave it to me, but refused to give me his number stating "he doesn't take calls".
I have never had to deal with such a nasty company before. They mess up, then they harrass you, then all they can offer is some sarcastic remarks, no explanation. If I had the money to refinance or to pay off, I would. Now, I can't trust them when they say that my loan is okay or when I do meet my payment obligations - that it will get entered correctly.
Donna
Front Royal, Virginia
U.S.A.
2 Updates & Rebuttals
Use Your Brain
Wesley Chapel,Florida,
U.S.A.
To both Steve and Donna
#3UPDATE Employee
Mon, January 05, 2009
Steve, Capital One did not break the law by calling more than 3 times a day. Capital One is the original creditor there for not bound by the FDCPA regulations (which FDCPA allows 15 times a day FYI).
Donna, since you didn't really address it in your statement I can't really know exactly the circumstances. But if you were told you would get a deferral and then you continued to get calls right after that, that should have been your first clue something didn't go through right. I see that you said this started at the beginning of March and you posted this on April 1st saying you just talked to them. Did it take you a month to get back to them and find out why they were calling you all day? Just keep in mind, the deferral is a favor and should be taken as such. It shouldn't be taken as something you are entitled to. I understand that when someone says they will do something you expect it to be done, and done correctly. Just breathe and take the time to find out what is going on much sooner than a month later.
Steve
Colorado Springs,Colorado,
U.S.A.
Collections
#3Consumer Suggestion
Mon, May 05, 2008
Usually a collections and finance departments are separate. If it was sent there on accident you can clear it up easy. He's right about there being no guarantees, sometimes when mistakes happen in finance world it's hard to clear it up.
Just be sure that the payment was deferred with them, if it was talk to the collections and tell them it's not late or anything and that the collection is invalid, if they refuse to talk to you about that, get their address etc so you can mail a letter to dispute the collection.
If they continue to refuse they already broke the law, also if they called more than 3x in any given day they also broke the law because that's considered harassment to call that many times. If you have records of those, i'd contact a lawyer and the collection department may owe you money (as usually collection laws will allow you to collect from an agency for their mistakes).