Capital One Auto

what state are you in? state their in & address?

thanks!

;)

Welcome to the forums too milkmaid2001. Your not the first & won't be the last to have trouble like this. Take a look around, ask questions. Plenty of others here will be willing to assist you also.

;)

When the original rep you are talking with in uncooperative, get passed to a supervisor.

I am in Iowa. Their payment address is in Longbeach, CA but Correspondence goes to Plano, TX.

jeff offered some very good advice there - ask to speak to a supervisor and explain your offer to them. Hopefully they will work something out with you so you can avoid repossession of your car.

Don't be surprised that they don't start repossession on your vehicle. Capitol One Auto is a crooked as the credit card portion is. They have been known to call your references that you listed on your application.

You don't think they will repossession or you think they will? Another thing that pissed me off was that she asked if I had any family or friends that could support me financially. Now, I'm trying to get back on my feet, the last thing I need is to borrow money from family or friends, who are only able to loan the money short term and will need paid back. Then I'll have to figure out how to make my bills while playing catch up and pay back another loan to. Great!!! Now what sense would that make?

That is how they operate. They don't give a sh*t. From the experience my mom went through with them, they will probaly start the repossession process. Go into ripoffreportdotcom and read about them and what people have experienced with them.

They will definitely try to repossess your car. You need to get some help right away on this - try talking to a supervisor there and see if that helps.

Was this the first time you called them in those 3 months? If so, the lady is being a b**ch because she feels you have been ignoring their phone calls all this time. She may be the first line of defense, and you might have better luck speaking with a supervisor. But even a supervisor is going to want you to catch up very quickly. Don't expect him to accept "an extra $50 per payment until it's caught up." It's going to take a lot of effort on your part to demonstrate that you will not continue to be a collection problem to them.

If you make a promise, be prepared to follow through with it. Keep in mind, from the eyes of the finance company, every day that you have that car and you put miles on it, it's value is going down. For that reason, if they think they will need to reposess it, they won't let the account get too far past-due before taking it. If you make a promise to "catch up," and then don't follow through, chances are it will be on their repo list very quickly.

Depending on your state, they may or may not need to send you a cure letter. In Illinois, I can take your car for being a day late, without notice. In Wisconsin, I would need to send you a notice of default, and you have a right to cure the default within 15 days before I can take the car.

First of all Debt Cruncher, I don't appreciate your condescending tone. I'm not a child, I know all about promises. No, it is not the first time I have spoken with them. Nothing you have said helps me or answers any questions I have. Do me and others a favor, if you can't respond with helpful information, don't respond at all.

Hold up. Relax. I don't think Debt was trying to be condescending. I am sure what was said was meant to be helpful.

Now - when the rep asked about friends and family, I am sure that was also done to try and help you. As rough as these companies are, it is financially better for you to keep your car than to repossess it and resell. That costs them money, and they will loose more when they resell. So she was probably just checking to see if you have looked into all possible options. No one says you HAVE to get financial help from your family. She was probably just seeing if you have looked into that option.

Definitely stay in contact with them. Get a supervisor's name and number and work with them. They are still a business, and have provided a service, so they need you to make good on your contractual promise. But, like I said, you have some wiggle room in that they would like you to keep your car and pay it off. They key is negotiating with the supervisor. Be flexible, but also be honest. If you are honest with what you can send, and follow through with that honestly, they will work with you. If you get short, dig in and won't budge, expect them to make short offers that don't work well with your checkbook.

I agree, it would be better for both parties involved if I kept the car and paid it off. That is what I would like to do. However, the woman I spoke with kept insisting that she needed larger amounts than I could afford at the time. After losing one job and finding another, they are not the only ones I have to play catch up with. I tried to explain this to her. I told her I didn't want to promise something and then not deliver on the promise. She just kept persisting. I gave them what I could, which was more than one payment and she insisted that I had to call back Friday the 9th (today) with $800.00 more. I thought I would be able to swing it because my ex is a month behind on child support and was supposed catch up this week. He is usually pretty honest with me so I had no reason to believe he wouldn't. However, the money still hasn't come in and I cannot give them the $800.00. I have left several messages yesterday and today and have not yet received a return call.

Did you check whether the last payment was posted on your account? The woman is doing her part and trying to collect as much as she can. You keep doing your part and send as much that you can afford. Make sure that your payments are posted towards your account. Send a certified letter also have a proof of your actions on the specified dates. Phone calls won't prove your defense because there is no track of it.

Milkmaid, please don't take the words of DebtCruncher in a bad way. We know him more than you do. And believe me, he is a real help in need and he never looks anyone down. He is straight when he makes a point. It's quite helpful for me when I want to see things from a different perspective.

When I make a post, I try to analyze a situation based on the information I have available. I mainly try to keep my posts to matters of fact, although I sometimes interject a hypothesis that I may have derived from the original post. My rationale is usually based on past experience and knowledge that I have in a given situation.

It is paradoxical that every time I post something a person doesn't quite want to hear, I am all of a sudden condescending and useless. Without trying to be too defensive, I'm not here to blow smoke up anyone's rear end by giving false positives. What would you like me to say? I could say "Capital One is a bunch of meanies, send them what you can and everything will be alright. As long as you are trying your best, they have no right to reposess the collateral." ... But that would be a lie. The fact is everything is not all right.

I am sorry for assuming this was the first time you talked to them (I derived that from the original post). If you previously talked to them about the delinquency, what did they say/what did you say?

Since this account is only 6 months old (out of a 60 month contract?), and already so far behind, it is a big problem to the lender. They do not want to have a collection problem on their hands for the next 4 1/2 years. You may know in your head that this was a temporary situation and is/will be resolved soon, but they don't know that. And "telling" them, in all honesty, doesn't mean anything to a creditor. The only way to alleviate their doubts is by performance, namely putting the money in their hands.

So speak with a supervisor and see what arrangements he will accept. Others have posted that already, so I didn't feel the need to repost it in my original comment. I was just trying to give a heads up that he probably will not agree to an extra $50/payment until caught up; you will probably at least have to make 1 1/2 payments for the next 6 months.

As a final note, as condescending as it may be, your attitude will get you in trouble with the company. You are not entitled to be delinquent, whether there is just cause or not. When they call you about a payment (which they are not even required to call first, they could send it right out for repo), it is up to you to solve the problem and put them at ease. On the collector's end, a person's attitude does influence the ultimate outcome. When you tell them to FO and "that I didn't need some arrogant little wet behind the ears twit to tell me that I signed a contract" ... That actually is the whole purpose of her job, specifically to remind you that you signed a contract and inquire how you plan to correct the situation. Did telling her to FO resolve anything? We wonder why the collectors are so callous? If you told me that, I wouldn't be inclined to bend over backwards for you either.

Thank you for saying what I was thinking so well, debtcruncher.

I know it was posted because they sent me a confirmation letter in the mail.

74 complaints about capitalone1hassle auto finance.i
Told people to see complaints in this forum of debt consolidation care.


http://whocalled.us/lookup/9722440053

I have just received a blank check from Capital one. I am quite confident that I can make my payments......Over the years I have purchased and paid off 5 cars, two which were financed by Chrysler. As long as I sent my payment on time, I didn't have any problems........But I'm reluctant to use Capital One's Blank check because I've heard and read so many bad post about them.........Is there anyone out there that have had a postitive experience with Capital One........I also have a Capital One bank account and credit card and have experienced no problems.

Nope, I don't work for them (lol) I'm just skeptical about the auto finance because of all these post etc.

thanks and any input from anyone would be appreciated.

[color=Green][/color] I think you left a important part out of your story. Collection actions start 3 days after your payment becomes due... that mean you ingored calls for 60 days before contacting your debtors. And let's be honest you had the money. It was only until they called your friends and family did you probably returned the call? capital one is a wonderful company.. Yes company mean they can not make money if you don't play you bills. You are a typical lazy customer. And your family and friends know you don't pay your bills that is why they did not loan you the cash. GROW UP LOSER

Im sure RepoQueen works at capitolone otherwise he wouldnt be saying stuff like that. People struggle, economy sucks and where the f**k do you get off calling people losers? Lets see you post a copy of YOUR "PERFECT" credit report???????????

:x I agree that Capital One Auto is awful. They also wrongfully repossessd our vehicle and we are currently working with an attorney. If this happened to you, I encourage you to record ALL conversations that you have with them, get the persons name and their initials (that is what they use for identification), keep a log of the date and time and the arrangements that you made. This company will scam you, and "loose" your arrangements so that they can take the car and gain more money! Be careful! Stay in contact with them, and answer every call you get from them! Log every word that is said!. They put our payment through to the wrong acct and then acknowledged their mistake yet tried to get us to pay a processing fee for THEIR mistake! They are crooked! Call an atty! And if you can try to get the car loans refinanced through another company!

I also had a loan with capitol one. My car was repossessed. The company they used to repo my vehicle broke down my locked garage which is attached to my house. and took the car,doing 5700.00 in damage. This occured at 1:30 am....middle of the night. There is a pending warrant against the driver and the other 2 that helped. It changed my life forever. I will never finance throguh capitol one again. I will see them in court real soon. Hang in there, if u cant hang oneto it u can always buy it back from the auto auction for a litle bit of nothing....mine was sold for 5k I owed 15k.....go figure....Times are hard....good luck...they are hard to work with....if all else fails file chapter 13 or 7....an attorney will stop any proceedings even if they take it...they will have to bring it right back..u have 20 days to get it back before any sale can take place

This is the worst company thers is.it has the highest apr at year than any other company,their customer service its train to be a b***h.they dont understand in what situation u may be in and they dont give you a brake like most company do..

I must say, I have two loans now with Cap One and had not real problems until, after 4 years of faithful payments, I lost my job and was only able to make partial payments. I did speak with them and told them what was going on and that as soon as my tax returns came back I would be paying one car off (already near end of that loan) and catching up the other loan as well. They reposessed one of the vehicles anyway. Then I not only had to come up with the past due amounts, but also $300 in repo fees, $255 to the auction house for towing and storage, so now I am using the tax refund for that and am unable to pay the car off! Like I said, I let them know what was happening every step of the way and still they reposessed, even after being an excellent timely paying customer for over four years!!! Who does that?

I am having the same problem with capital one auto i even have documents they sent me on the payment arrangements we made. and now suzanne in repossession department is trying to say it is not going to work. but how can they do that when i have proof of the arrangements i made with richard a customer service rep at capital one auto and i had to give him 500 on the phone then to do the arrangements. they are dirty people and i will fight them on this cause i have proof of our agreements. like everyone else i got behind i had surgery and was out of work for 6 weeks that hurts.but they dont care. but like the good lord says do unto others as you would have them do unto you. i believe that to.. and what goes around comes around. one day they will be in a bad way and noone will help them either. we all need help sometimes.. thanks for understanding god be with you

I know how you feel they have customer service people that are rude and have no compasion i asked to speak to her manager and she told me it would not do no good that is what she was for, she just didnt want to get in trouble i hope they shut down all people quit dealing with them

I got a auto loan with the worst bank that can exist in the universe, yes CAPITALONE.

I recently lost my job, called them to see if we can work something out a settlement, because I have some money saved, so before I waste it in other things I told them I was willing to make a onetime payment to get this debt over with. I spoke with a nasty, unhelpful rep that told me don't worry as soon as you get a job u can keep on paying the car or just ask somebody to lend you the money, huh wtf? Are you serious...well to make the story short CAPITALONE don't help people (the customers) in anything I'm trying to settle for a little less I'm not trying to cut the debt in half but it seems like they rather me file for bankruptcy not make my monthly payments for at least 6 months dissappear the car and then they'll beg me for at least half of what I owe.

I got a auto loan with the worst bank that can exist in the universe, yes CAPITALONE.
I recently lost my job, called them to see if we can work something out a settlement, because I have some money saved, so before I waste it in other things I told them I was willing to make a onetime payment to get this debt over with. I spoke with a nasty, unhelpful rep that told me don't worry as soon as you get a job u can keep on paying the car or just ask somebody to lend you the money, huh wtf? Are you serious...well to make the story short CAPITALONE don't help people (the customers) in anything I'm trying to settle for a little less I'm not trying to cut the debt in half but it seems like they rather me file for bankruptcy not make my monthly payments for at least 6 months dissappear the car and then they'll beg me for at least half of what I owe...trust me capitalone won't find the car.. my car ain't osama!