My car was totalled on August 21, 2009 by someone who ran a red light. I amazingly was not badly injured because I was hit on the driver's side. I had been paying on time every month including the month of August to Capital One like agreed. I had the car since November 2008. When I purchased the car, I also purchased GAP insurance and of course I had full coverage. My insurance paid everything to Capital One less $1900 which
GAP would be paying the balance.

I have been harrassed at home, at work, my cell phone everyday including Sunday demanding I pay them the balance. It has not been even a month since the accident. It was very scary and something I still have nightmares. They have received the insurance check and know GAP is paying within the next week, yet they are making my life a living hell. They have made me feel like I was the one who caused the accident! Is there anything I can do to stop this kind of treatment?

I did an annual free credit report and found 3 inquiries from Capital One Auto Finance listed on my credit report in the past year. I did not apply for any type of loan from Capital One. I called the 800 number I found online and was told that unless I gave them my social security number they could not help me. I refused to give them my social security number and asked to speak to a supervisor. I was then transferred to a voice mail. I left a message but still have not received any call back.

I just want to warn others that this company seems unscrupulous in it's policies. I did have a Capital One credit card about 10-12 years ago and they charged me a late fees which then placed my account over limit thereby adding ridiculously high overlimit fees. I paid them off and shredded the card.

My advice is to anyone reading this, Do not deal with Capital One for any type of loan or credit card and be sure to check your credit records regularly.

We had a 66 month contract with Capital One Auto Finance which began with the first payment due on 11/1/2003. Somewhere along the way (hurricanes and evacuations/no power or phones) the contract was extended to 68 months. On June 1, 2009 I knew that my balance was $1138.47 plus $643.76 for the late charges that we had accumulated over the course of the loan. I had been paying my $559.99 payment to them on line or through my bank since 2005. On 6/19/09 I went on line and Capital One was stating that my payment of $559.99 was due on 6/1/09. I paid the $559.99. After this payment had cleared my bank account I went back on line and Capital One is now stating that on 6/1/09 another payment of $559.99 was due and now the total due on the account is $589.76. This amount did NOT include the late charges. I called Capital One Auto Finance and was told that my contract had expired on 6/1/09 and that I was required to pay the entire $1138.47 and I had only paid $548.71 toward that amount ($11.27 had been applied to interest). I asked this agent that if we indeed did owe them $1138.47 on 6/1/09 why, when I went on line to pay our June payment did it not state that my 6/1/09 payment due was $1138.47 instead of the $559.99 that the on line account wanted for payment. I was told that my payment was applied to interest first and then to principal. I then asked why I still owed money on a loan when I had made all of my 66 payments. I was told that the additional $589.76 that I still owed was interest accrued (on a daily basis) over the course of the loan because I didn't always pay my payment on the day it was due. I agreed to pay them the $589.76 on 7/20/09 and on 8/20/09 I would pay the $643.76 in late charges. I received two sets of transaction history reports, both of them showing that my loan balance due was $589.76. On 7/20/09 I paid the loan balance due of $589.76 on line. On 7/25/09 I went back to Capital One's web site and my balance due is still $589.76 but my payment history shows that my payment of $589.76 was received on 7/20/09. I sent them a message on their web site asking why, if I paid the $589.76 on 7/20/09, was my balance owed still $589.76. Their reply on 7/26/09 was that they took my $589.76 and applied it to my late charges. I still owe them the balance of 589.76, interest on the 589.76 of 9.45 plus $54.00 in late charges.
They took my loan balance due payment and applied it to late charges because that way they could still charge me interest on the balance due. They can NOT charge interest on the late charges but they can on the balance due. Their payoff figure is only good until 8/5/09 whereupon they can, on 8/6/09 start charging me more interest on the loan balance due figure of $589.76.
Can I legally get them to reverse where they applied my 589.76 so that they can NOT charge me interest?
Susan Linton
[email protected]

I have paid my Capital One Auto Loan in full, having never missed a payment in nearly 4 years, and sold the vehicle. Now, they say they cannot release the Lien on the vehicle as I used "unsecured funds" to pay off the loan. I paid the loan at their web site, using their system to draw the funds electronically from my account. The money is gone, and I have an impatient person who purchased the car and would like a clear title. I have been told it could take up to 30 days. And talking to them on the phone is horrible, as nobody speaks English, or just came out of 3RD grade. I keep getting the old run-around. DO NOT USE THIS COMPANY, I promise you, you will regret it.

While my husband lay dying, Capital One took 2 payments rather than 1 out of my account and would not return it... they caused my account to be 600.00 over drawn!!!

And the day of the funeral they hounded me for money after I said he was DEAD and it was the day of the funeral... I would talk to them the next day... NO they just kept hounding me in front of my family. I finally hung up on them. They are relentless on their calling and I have had a loan with them for almost 5 years!!!

Do not ever do a payment over the phone.. they will get it wrong

And after making arrangements, I had a funeral back in the state we are from originally and they did it that day as well!!! in front of relatives again... I was appalled at thier treatment of a customer they are making thousands of dollars off of at a time like that

Infurated in Tempe