- Report: #308767
Complaint Review: Capital One Auto Finance - Internet
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Capital One Auto Finance
http://www.capitalone.com/autoloans Internet, U.S.A.
Phone:
972-378-5011
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Capital One Auto Finance Punitive, Harrassing Phone Calls. Admit they do it INTENTIONALLY Plano Texas Internet
I lost my job and asked for a deferment. I was granted the deferment. Up to this point, I paid every month, on time and through the net (no wait for checks, instant payments from me).
Following the deferment, I was still unemployed. I asked for another deferment and, predictably, was denied. They give one deferment every 6 months. I gave my apologies and could only offer that I was searching for a job.
After 3 months, I have a job and a guaranteed source of income. I let Capital One know when I can pay and how much. Despite this, they said, "well, the calls are going to keep coming until its paid." I said, well what do you think will change between now and the next time you call?
"I'm sorry sir but the calls will keep coming until you pay. We have the right to do that."
They dont stop calling. Everyday, I have the caller id showing capital ones non-stop calls even after 7 PM EST. When I pick up, they get some person who reiterates the same question: "When are you going to make a payment?", and I say, "the same time i told you yesterday."
"I'm sorry sir. But, the calls will keep coming."
Folks, Capital One admits they purposely harass their account holders like this. They claim they are within the law. I told them they are abusing the law because the law never took into account their restless, robotic phone system.
Now, I am not a rip off or a deadbeat, or someone who never pays or is late all the time. I truly had a crisis in my life. Now, I am back on my feet and know when I can pay Capital One. I even have a nice tax check coming.
So, everyday they call, I have to either pick up the non-stop ringing phone or ignore it.
Why do they do this? Are they brain dead? No, they PURPOSELY DO THIS to PUNISH us even when we have a plan to pay. They are MONSTERS who are ABUSING people under the "FAIR" debt collection act which did not take into consideration that someone as big as Capital One would automate their phone systems to cause this much trouble with account holders.
The laws need to change. Capital One is proof that even with a balanced law, they will take it to the nth degree, determined to annoy people. Its unfair, and I would be willing to speak to a lawyer if it means some laws should be changed to reflect the honesty coming from myself and others who are going to pay but have come upon hard times.
I am not a slacker or a deadbeat, I really am paying my bill on a certain date, Capital One is still harrassing me. Its not fair!
Eric
Harleysville, Pennsylvania
U.S.A.
Following the deferment, I was still unemployed. I asked for another deferment and, predictably, was denied. They give one deferment every 6 months. I gave my apologies and could only offer that I was searching for a job.
After 3 months, I have a job and a guaranteed source of income. I let Capital One know when I can pay and how much. Despite this, they said, "well, the calls are going to keep coming until its paid." I said, well what do you think will change between now and the next time you call?
"I'm sorry sir but the calls will keep coming until you pay. We have the right to do that."
They dont stop calling. Everyday, I have the caller id showing capital ones non-stop calls even after 7 PM EST. When I pick up, they get some person who reiterates the same question: "When are you going to make a payment?", and I say, "the same time i told you yesterday."
"I'm sorry sir. But, the calls will keep coming."
Folks, Capital One admits they purposely harass their account holders like this. They claim they are within the law. I told them they are abusing the law because the law never took into account their restless, robotic phone system.
Now, I am not a rip off or a deadbeat, or someone who never pays or is late all the time. I truly had a crisis in my life. Now, I am back on my feet and know when I can pay Capital One. I even have a nice tax check coming.
So, everyday they call, I have to either pick up the non-stop ringing phone or ignore it.
Why do they do this? Are they brain dead? No, they PURPOSELY DO THIS to PUNISH us even when we have a plan to pay. They are MONSTERS who are ABUSING people under the "FAIR" debt collection act which did not take into consideration that someone as big as Capital One would automate their phone systems to cause this much trouble with account holders.
The laws need to change. Capital One is proof that even with a balanced law, they will take it to the nth degree, determined to annoy people. Its unfair, and I would be willing to speak to a lawyer if it means some laws should be changed to reflect the honesty coming from myself and others who are going to pay but have come upon hard times.
I am not a slacker or a deadbeat, I really am paying my bill on a certain date, Capital One is still harrassing me. Its not fair!
Eric
Harleysville, Pennsylvania
U.S.A.
3 Updates & Rebuttals
R
USAFDCPA
#2
Thu, August 13, 2009
I understand you find these calls harrassing but unfortunately under FDCPA guidelines COAF can technically call you 15 times a day Mon-Sun from 8am-9pm in your timezone. Not all of the collections departments use the automatic dialer(which is what we call it) I hand dial every number up to 15 times a day and work on average 50 accounts a day. We do have the option of stopping the phone calls but as they say, you scratch my back I'll scratch yours and set up a legitimate payment plan we can cement in our systems, such as our Fresh Start Package. Look into it! You might find out we are more willing to work with you than you think :-D
Kevin
Elgin,South Carolina,
U.S.A.
Maybe
#3Consumer Comment
Tue, February 10, 2009
Look what laws are being broken. First Capital One is not subject to the FDCPA as is no orgianal creditor. That applies to collection agencies. Second they have every right to call you between the hours of 8am and 9pm as does any creditor. Yes you had a unfortunate situation and you are trying to pay your bill however creditors here this everyday and yes they use a robocall system as does every major creditor as well as cable companies phone companies etc etc etc. They just want what you agreed to pay them. Everybody thinks that these caompanies are relentless well they took a chance on you and right now you are not keeping your end of the contract
Use Your Brain
Wesley Chapel,Florida,
U.S.A.
Consider this
#4Consumer Comment
Tue, January 13, 2009
Who are you more likely to pay first? The people who annoy the ever living crap out of you? Or the ones who never call? I know I personally would pay the one annoying me. I also know that last month when I couldn't pay one of my bills, and I had work, I went to get a pay day advance. That was the ONLY time I have done one and will be the only time I do one. It cost me $166 to get $150. That was so my payment wasn't late ($16 to borrow is better than $35 for a late fee in my book). Just food for thought in the future.
