Complaint Review: Capital One Auto Finance - Plano Texas

You act like the borrow is totally responsible for this morgage crises and the leding institutions have zero responsibility for it. Do the research. You will learn that many of the failed morgage holders had no idea that they were getting into such risky loans until the day of closing or after closing has taken place. These companies are in a mess because the failed to properly quality the borrower. Look at the number of loans that were issues by morgage companies without a credit check. This wasn't just a few, but millions issued with ZERO credit check. That's flat the banks fault. Then the farmed these risky, trash loans out the investement company to use and morgage based securitied. It was a setup for failure. You can break it down and blame the borrow all you want, but the bottom line is the lenders and morgage companies, knew how ricky these loans were and still issued them. And the kicker is that they screwed themselves and we the tax payer and our children get to pay for it.

Mortgage companies did this to themselves yes, but the reason we are in this whole situation is because they gave bad mortgages out to people that couldn't afford them. If I were buying a home I dont think I would take on a 2000 dollar mortgage knowing I made 8 dollars an hour. The reason the lenders are doing so badly is because of default on auto and home loans. Outsourcing I see your point but don't defend the majority of America that doesn't know how to pay their bills or manage their debt.

Talk to them. If you tell them to not call your work they will remove the number. But the manager was right. Lack of overtime is not a reason to not pay. You should never...ever...ever...budget on overtime. It is not a guarantee you will always get it. I worked for them for 2 years and know the ins and outs of it all. You're in collections, read your contract it explains they will call if you are late. They don't start calling until 4 days late and it's mostly to prevent late fees and to not allow the accounts to escalate and get further and further behind. Honestly...they can set up payment arrangements out pretty far so just look into it.

You have some nerve blaming the failed mortgage industry and bank collapses on the consumer!. If you had any insight into the current economic crisis you would understand, that banks and mortgage companies have failed because the predatory lending practices finally are catching up with them. Capital One's need for a bail out is point blank their own fault. If they would watch their finances like you say the consumer should they wouldn't be in the trouble that they are in. The best thing that could happy to Capital on is for them to fail. These large companies need to learn that their predatory lending, outsourcing of America jobs, treating customers like crap is not going to impact positively on their bottom line. Do you research before you post something else so stupid.

You have some nerve blaming the failed mortgage industry and bank collapses on the consumer!. If you had any insight into the current economic crisis you would understand, that banks and mortgage companies have failed because the predatory lending practices finally are catching up with them. Capital One's need for a bail out is point blank their own fault. If they would watch their finances like you say the consumer should they wouldn't be in the trouble that they are in. The best thing that could happy to Capital on is for them to fail. These large companies need to learn that their predatory lending, outsourcing of America jobs, treating customers like crap is not going to impact positively on their bottom line. Do you research before you post something else so stupid.

You have some nerve blaming the failed mortgage industry and bank collapses on the consumer!. If you had any insight into the current economic crisis you would understand, that banks and mortgage companies have failed because the predatory lending practices finally are catching up with them. Capital One's need for a bail out is point blank their own fault. If they would watch their finances like you say the consumer should they wouldn't be in the trouble that they are in. The best thing that could happy to Capital on is for them to fail. These large companies need to learn that their predatory lending, outsourcing of America jobs, treating customers like crap is not going to impact positively on their bottom line. Do you research before you post something else so stupid.

You have some nerve blaming the failed mortgage industry and bank collapses on the consumer!. If you had any insight into the current economic crisis you would understand, that banks and mortgage companies have failed because the predatory lending practices finally are catching up with them. Capital One's need for a bail out is point blank their own fault. If they would watch their finances like you say the consumer should they wouldn't be in the trouble that they are in. The best thing that could happy to Capital on is for them to fail. These large companies need to learn that their predatory lending, outsourcing of America jobs, treating customers like crap is not going to impact positively on their bottom line. Do you research before you post something else so stupid.

I have financing through Capital One and when I was unable to make a payment they allowed me to defer one payment (their maximum). I would ask them if that is an option for you. Good Luck.

Just so you are aware above poster, You are considered in default of your loan when you go past that due date. You signed a loan to pay one time and thats what is expected of you. Hence Capital One wouldn't have needed the bailout if people would have kept to their agreements and made their car payments on time. ( same goes for mortgage companys) Third if you get a blank check or a credit card offer in the mail and you know you can't afford to have anymore debt then it is your responsibility to not take the offer. Capital one doesn't have to protect you from running your debt higher.....you do. One last thing if they called you one hundred times in two weeks than it was probably for a good reason, and if you would have picked up the phone they could have offered you an extension or maybe a hardship rewrite depending on your situation. You have no one to blame but yourself if you didn't pick up the phone and ask for help.

(filed original complaint) There's no excuse for calling anyone over 100 times in seven days on a loan that never reached 20 days late. It serves NO GOOD PURPOSE to any party involved. Only one of their low-life employees would ever defend the mass of complaints coming out. There was no excuse for pretending to turn a loan over to collection and lying on my credit report that the account was ever actually in collection and in default. It never was. And after all that harassment about one late payment, throw in a derogatory lie on my credit report, call me a dead beat, and then send this same alleged dead beat another new pre-approved auto loan check for up to $30,000. Just what I need, another auto loan from harassment is us.' Capital One even sent a pre-approved auto loan check to my mom, which she immediately shredded, and my sister who is in foreclosure, due to becoming disabled while raising a child with a birth defect. Yeah, that makes her an irresponsible dead beat too doesn't it. No excuse for not having money on demand in this country...unless your some sleazy banks who lost trillions of $$$ in stupid loans, then cried for federal help for being incompetent. Capital One is sending people credit cards who are bankrupt, in foreclosure, dead broke, no job, no income, who didn't even apply. I'm glad Capital One got federal money for some hope of accountability...maybe. Hopefully some Capital One people will earn time in a federal pen for defrauding the federal government now. Capital One has no business in auto loans. When the low life collectors finally get the boot, and are unemployed, I'm sure the mafia has a position for their customer care skills. Poor poor Capital One Auto, you're just sooo misunderstood, aren't you. Only 3.5 billion. Oh that's nothing, once it gets classified as government waste.

(filed original complaint) There's no excuse for calling anyone over 100 times in seven days on a loan that never reached 20 days late. It serves NO GOOD PURPOSE to any party involved. Only one of their low-life employees would ever defend the mass of complaints coming out. There was no excuse for pretending to turn a loan over to collection and lying on my credit report that the account was ever actually in collection and in default. It never was. And after all that harassment about one late payment, throw in a derogatory lie on my credit report, call me a dead beat, and then send this same alleged dead beat another new pre-approved auto loan check for up to $30,000. Just what I need, another auto loan from harassment is us.' Capital One even sent a pre-approved auto loan check to my mom, which she immediately shredded, and my sister who is in foreclosure, due to becoming disabled while raising a child with a birth defect. Yeah, that makes her an irresponsible dead beat too doesn't it. No excuse for not having money on demand in this country...unless your some sleazy banks who lost trillions of $$$ in stupid loans, then cried for federal help for being incompetent. Capital One is sending people credit cards who are bankrupt, in foreclosure, dead broke, no job, no income, who didn't even apply. I'm glad Capital One got federal money for some hope of accountability...maybe. Hopefully some Capital One people will earn time in a federal pen for defrauding the federal government now. Capital One has no business in auto loans. When the low life collectors finally get the boot, and are unemployed, I'm sure the mafia has a position for their customer care skills. Poor poor Capital One Auto, you're just sooo misunderstood, aren't you. Only 3.5 billion. Oh that's nothing, once it gets classified as government waste.

(filed original complaint) There's no excuse for calling anyone over 100 times in seven days on a loan that never reached 20 days late. It serves NO GOOD PURPOSE to any party involved. Only one of their low-life employees would ever defend the mass of complaints coming out. There was no excuse for pretending to turn a loan over to collection and lying on my credit report that the account was ever actually in collection and in default. It never was. And after all that harassment about one late payment, throw in a derogatory lie on my credit report, call me a dead beat, and then send this same alleged dead beat another new pre-approved auto loan check for up to $30,000. Just what I need, another auto loan from harassment is us.' Capital One even sent a pre-approved auto loan check to my mom, which she immediately shredded, and my sister who is in foreclosure, due to becoming disabled while raising a child with a birth defect. Yeah, that makes her an irresponsible dead beat too doesn't it. No excuse for not having money on demand in this country...unless your some sleazy banks who lost trillions of $$$ in stupid loans, then cried for federal help for being incompetent. Capital One is sending people credit cards who are bankrupt, in foreclosure, dead broke, no job, no income, who didn't even apply. I'm glad Capital One got federal money for some hope of accountability...maybe. Hopefully some Capital One people will earn time in a federal pen for defrauding the federal government now. Capital One has no business in auto loans. When the low life collectors finally get the boot, and are unemployed, I'm sure the mafia has a position for their customer care skills. Poor poor Capital One Auto, you're just sooo misunderstood, aren't you. Only 3.5 billion. Oh that's nothing, once it gets classified as government waste.

WHAT DOES THEIR BAILOUT SHARE HAVE TO DO WITH YOU POOR FINANCIAL MANAGEMENT SKILLS? BY THE WAY THEY GOT 3.5BIL NOT 35BIL..

I had the same problem with very deliberately harassing phone calls and threats from Capital One auto. Most of the time I keep my payments as much as three months ahead as is the case now. But this year, believe it or not, I was one of those rare people who have had some financial setbacks. I called Capital One auto in advance and explained to them I would be two weeks late on the payment as mentioned, thinking after two years of being on time or well ahead, they would possible treat me like a customer they valued. They refused to allow any payment arrangements, and demanded payment. So the harassment calling to collect what they KNOW I don't have amps up triple. They called my girlfriends cell phone every weekend morning before 9 a.m. like an alarm clock, and didn't even bother speaking, just hung up. That's illegal but no one cared. They only did this on weekends. I got over 100 calls in the two weeks at home. Even after a got one of their people to accept a scheduled payment, the phone calls would not stop. Capital One also turned my loan over to collections, put it on my credit report, and demanded the entire loan in a collection letter, even after making payment arrangements. And one an additional note, I just saw my credit card form Capital One has an over the limit fee for $39.00 making the balance $35 over the limit. Yet again, they used the over the limit fee to make my card over the limit. Makes me so proud my government tax dollars went to Capital One in the amount of 35 billion in Gov bailout funds. People , we gotta fight this crap and get consumer protection. Contact your reps every day until they act. We cannot experience financial recovery in our country if we're still letting companies like this act lawlessly and abusively, with NO consumer protections of any consequence.

I had the same problem with very deliberately harassing phone calls and threats from Capital One auto. Most of the time I keep my payments as much as three months ahead as is the case now. But this year, believe it or not, I was one of those rare people who have had some financial setbacks. I called Capital One auto in advance and explained to them I would be two weeks late on the payment as mentioned, thinking after two years of being on time or well ahead, they would possible treat me like a customer they valued. They refused to allow any payment arrangements, and demanded payment. So the harassment calling to collect what they KNOW I don't have amps up triple. They called my girlfriends cell phone every weekend morning before 9 a.m. like an alarm clock, and didn't even bother speaking, just hung up. That's illegal but no one cared. They only did this on weekends. I got over 100 calls in the two weeks at home. Even after a got one of their people to accept a scheduled payment, the phone calls would not stop. Capital One also turned my loan over to collections, put it on my credit report, and demanded the entire loan in a collection letter, even after making payment arrangements. And one an additional note, I just saw my credit card form Capital One has an over the limit fee for $39.00 making the balance $35 over the limit. Yet again, they used the over the limit fee to make my card over the limit. Makes me so proud my government tax dollars went to Capital One in the amount of 35 billion in Gov bailout funds. People , we gotta fight this crap and get consumer protection. Contact your reps every day until they act. We cannot experience financial recovery in our country if we're still letting companies like this act lawlessly and abusively, with NO consumer protections of any consequence.

I had the same problem with very deliberately harassing phone calls and threats from Capital One auto. Most of the time I keep my payments as much as three months ahead as is the case now. But this year, believe it or not, I was one of those rare people who have had some financial setbacks. I called Capital One auto in advance and explained to them I would be two weeks late on the payment as mentioned, thinking after two years of being on time or well ahead, they would possible treat me like a customer they valued. They refused to allow any payment arrangements, and demanded payment. So the harassment calling to collect what they KNOW I don't have amps up triple. They called my girlfriends cell phone every weekend morning before 9 a.m. like an alarm clock, and didn't even bother speaking, just hung up. That's illegal but no one cared. They only did this on weekends. I got over 100 calls in the two weeks at home. Even after a got one of their people to accept a scheduled payment, the phone calls would not stop. Capital One also turned my loan over to collections, put it on my credit report, and demanded the entire loan in a collection letter, even after making payment arrangements. And one an additional note, I just saw my credit card form Capital One has an over the limit fee for $39.00 making the balance $35 over the limit. Yet again, they used the over the limit fee to make my card over the limit. Makes me so proud my government tax dollars went to Capital One in the amount of 35 billion in Gov bailout funds. People , we gotta fight this crap and get consumer protection. Contact your reps every day until they act. We cannot experience financial recovery in our country if we're still letting companies like this act lawlessly and abusively, with NO consumer protections of any consequence.

I had the same problem with very deliberately harassing phone calls and threats from Capital One auto. Most of the time I keep my payments as much as three months ahead as is the case now. But this year, believe it or not, I was one of those rare people who have had some financial setbacks. I called Capital One auto in advance and explained to them I would be two weeks late on the payment as mentioned, thinking after two years of being on time or well ahead, they would possible treat me like a customer they valued. They refused to allow any payment arrangements, and demanded payment. So the harassment calling to collect what they KNOW I don't have amps up triple. They called my girlfriends cell phone every weekend morning before 9 a.m. like an alarm clock, and didn't even bother speaking, just hung up. That's illegal but no one cared. They only did this on weekends. I got over 100 calls in the two weeks at home. Even after a got one of their people to accept a scheduled payment, the phone calls would not stop. Capital One also turned my loan over to collections, put it on my credit report, and demanded the entire loan in a collection letter, even after making payment arrangements. And one an additional note, I just saw my credit card form Capital One has an over the limit fee for $39.00 making the balance $35 over the limit. Yet again, they used the over the limit fee to make my card over the limit. Makes me so proud my government tax dollars went to Capital One in the amount of 35 billion in Gov bailout funds. People , we gotta fight this crap and get consumer protection. Contact your reps every day until they act. We cannot experience financial recovery in our country if we're still letting companies like this act lawlessly and abusively, with NO consumer protections of any consequence.

You signed a contract to make your payments by a specific date for a specific amount. By your own admission you are late, so, of course they are going to call to find out when you will be making a payment. How can you say that you are "only 10 days late", but then claim that they are ripping you off? Live up to the contractual agreements you voluntarily entered into and the phone calls will stop. If you are 10 days late now, what are you going to do in 20 days when the next payment is due? As was stated to you, lenders (mostly) base your borrowing power on your base salary, because extras such as overtime & bonuses are not a sure thing. You should have based your expenses on your base salary.