Capital One Auto Finance Customer Service Issues

I recently reviewed my credit report and noticed that your company has made an inquiry to the three major credit bureaus without my authorization. I have not given permission to Capital One Auto Finance or any related entities to check my credit report. According to the Fair Credit Reporting Act, it is required for a creditor to have written authorization from the consumer before accessing their credit information. If you are able to provide a signed credit application showing my consent for the credit check, I will acknowledge the inquiry. However, if no such authorization can be provided, I request that you promptly remove the inquiry from all three credit bureaus. The presence of this unauthorized inquiry is negatively impacting my credit score and is hindering my ability to secure necessary credit. I urge you to address this matter promptly. Kindly send me a copy of the signed application or a letter confirming the removal of the inquiry to [redacted] Jamestown Rd, Hattiesburg, Ms. [redacted]. Sincerely, Derrick E. [redacted]

Dear Sir/Madam, I am writing to seek assistance with our auto loan, as we are close to completing the payments. Recently, we faced challenges with our rental property. The owners requested us to vacate by the end of the month, forcing us to urgently find a new place. Due to unforeseen circumstances like health issues and steep moving costs, we were left financially strained. Having worked in the financial sector for nearly three decades, I understand the importance of communication with creditors in tough times. I kindly request an extension until the end of June to resume our payments. Our recent move depleted our resources, and we are keen on settling our debts to improve our financial standing. Your understanding and support in this matter would be greatly appreciated. Thank you, Frances Lollis & Lawrence Lollis

I feel deceived by Arapahoe Hyundai regarding a car loan. Originally, I was informed the car would cost $6,[redacted], but it increased to $8,[redacted]. They included a false $2,[redacted] down payment to adjust the loan amount. Moreover, the car's value was reduced due to a prior accident in [redacted], which was not disclosed, and I did not receive a Carfax report. I demand Capital One Auto Finance pursue the dealership for the $8,[redacted] - $6,[redacted] deviation and the diminished value due to the undisclosed accident. I have reported the issue to the Colorado dealer licensing board, and they advise me to take legal action. Ideally, I hope to resolve this matter without going to court, as the car loan should have been $4,[redacted], not $8,[redacted].

1.0 star rating 6/6/[redacted] It seems Capital One is only focused on profit. I completed my car payment on May 16, [redacted], with an overpayment of $[redacted]. Despite contacting them since May 18, I am still awaiting my refund. An agent from the "Office of the President" mentioned a mandatory 18-day wait period. Promises of receiving the refund by June 3 were unmet, and when I tried to follow up, the agent's extension was out of service. The refund check was allegedly mailed on June 5, with an additional 7 to 10 business days for delivery. Capital One's delay in returning my money is frustrating and seems like they are using it to generate more profits. I will escalate the issue to the Maryland Attorney General's Office and address my concerns with Capital One's President and Chief Financial Officer.

I am seeking assistance with an auto loan through Capital One for my [redacted] Hyundai Sonata. In April, I fell more than 30 days behind on a loan payment. However, my credit reports from TransUnion, Experian, and Equifax (retrieved on 07/05/[redacted]) inaccurately show the April payment as overdue and report my last payment as being in March. They suggest I owe $[redacted] and classify the payment status as "past due." This information is incorrect as I have paid for April, May, June, and July. I am unable to connect with a live representative in the auto loans department to address this matter and learn about Capital One's goodwill adjustment process. I am requesting Capital One to rectify the records to reflect the payments I made and provide details on how to request a goodwill adjustment.

I recently bought a [redacted] Toyota Camry from Performance Toyota in Reading, PA. The financing was supposed to be handled by Capital One. However, upon reviewing the paperwork, I noticed an unexpected charge of $[redacted] for an "Optional Gap Contract" on line 4D of the "Retail Installment Sale Contract." I was assured I didn't need any additional insurance, and I certainly did not agree to this purchase. How can I have this charge removed and refunded? I feel it's unfair, especially considering that I may have been taken advantage of due to my age. We have been satisfied Capital One Customers, and I hope to resolve this issue promptly to continue our positive relationship.

Subject: Request for Removal of Late Payments from Credit Report Dear Sir/Madam, I have been a loyal Capital One customer since [redacted]. Upon refinancing my auto loan in August [redacted] from Wells Fargo to Capital One, I have experienced exceptional service and financial products. Recently, due to health issues related to postpartum depression, I encountered difficulties in making timely payments on my Capital One Auto Loan for May and June [redacted]. Despite these challenges, I have since settled all outstanding debts and am committed to maintaining a positive relationship with Capital One. I have noticed the impact of the late payments on my credit report and how it may affect my future financial endeavors, particularly in securing competitive financing for a home loan. As these late payments remain on my credit reports from Experian, TransUnion, and Equifax, I kindly ask for your understanding and support in removing these instances from my record. With my health concerns addressed and a renewed commitment to meeting financial obligations, I aim to rebuild trust and improve my credit standing with Capital One. I believe in the value of our partnership and hope for your favorable consideration in this matter. Thank you for your time and I look forward to continuing our positive relationship. Sincerely, J.D.

I am attempting to contact Plaid to have my financial institution added to Truebill for sign-up on the Truebill app. Not in need of Capital One anymore. Unfortunately, my GetHuman app is frozen, preventing me from making the necessary changes. Apologies for any confusion caused. Regrettably, I am unable to navigate back to my initial contact. For assistance, please get in touch with me at [redacted] or email me at [redacted] Thank you. - Marla Bonecutter

I have a Capital One car loan for my [redacted] Ford Fusion, but the engine is broken and not running. Due to financial hardship, I can't repair it until September 15th. I need a two-month extension, as my best friend will make the full payment, including the back payment and interest, by September 6th, [redacted]. Your website mentions payment extension options, but my previous attempts to discuss this over the phone haven't been successful. I worry that the car's value will decrease further with the engine issue. It's crucial to me that we find a solution that works. Additionally, I am concerned about the security breach that exposed my information. Please reach out at [redacted] if you are willing to assist me with my loan. Thank you. Sincerely, A.H.

A few months ago, I was laid off from my job. Last month, I started working temporarily at a lower-paying job and made our June car payment late in two installments. I will begin a new job next week at the same pay rate as when we got the car over two years ago. I am hoping to defer both July and August payments, or at least July's. My first paycheck will be in early September as the new job pays bi-weekly. Please reach out to me at [redacted] or [redacted] to discuss and arrange this deferral. I will provide the loan account information at that time. Thank you.

I recently sent a $23K payoff check to Capital One Auto on 7/25/19, and it cleared on 7/26/19. Despite this, the payment has not been applied to close out my loan. I have contacted multiple representatives in different departments, and each time I am told the payment will be posted within 3-5 business days since 7/25/19. However, every time I follow up after the 3-5 days, I receive different excuses and another delay of 3-5 business days. This issue has affected my credit report with two vehicles showing up, and I am now making payments for two cars. I have tried all avenues to resolve this, but I cannot seem to reach a manager or supervisor for assistance.

I recently bought a car financed through Capital One, and I have now paid off the loan in full. The seller, also a Capital One customer, has provided me with a properly prepared Bill of Sale. I possess insurance for the vehicle, have a wire receipt for the purchase, and the car is with me. However, I am unable to drive it in Florida as I can't obtain a tag due to Capital One not promptly releasing the lien. They insist on sending a lien release letter only via standard mail, causing delays. I am requesting Capital One to email me a letter confirming the car is paid off, so I can get a temporary tag while waiting for the title. If I don't hear back, I may have to involve the authorities as this situation is causing me financial strain with renting a car indefinitely. I urge Capital One to follow the standard process of providing an email or fax confirming the payoff to resolve this issue promptly.

I contacted to arrange payment for my account as stated in the letter from September 11th, [redacted]. However, I was directed to Radius, the collections agency in Minneapolis. I emphasized closing the account directly with Capital One per the instructions in the letter. Radius returned the account (#[redacted][redacted]) back to Capital One Auto Finance. It is crucial to resolve this before the September 21st deadline mentioned in Capital One's letter. I need assistance from Capital One, not Radius, immediately to avoid any credit issues. I, Bonnie Rae Shaver, want to settle the outstanding balance promptly. My husband, Robert Swern, is managing this. Please contact us at any time, his number is [redacted], and his email is [redacted] We are eagerly awaiting your prompt response. Thank you, Bonnie Rae Shaver (Capital One Auto Acc't #[redacted][redacted]).

After my best friend passed away last year, he left me his [redacted] Hyundai Elantra, which needed repairs to be usable. He signed a title request form before his passing, which we submitted to the NJ DMV. However, I recently received a letter from the DMV asking for a lien paid verification from the auto lender, Capital One. I am now looking to obtain this verification. What steps should I take to acquire the necessary document?

In [redacted], I filed for chapter 7 bankruptcy, and it has been successfully discharged. Among the assets included in the bankruptcy is my motorcycle, which is held by Capital One as a lienholder. Unfortunately, the motorcycle developed significant engine issues shortly after purchase and has been dismantled for the past three years. Despite this, Capital One has not retrieved the motorcycle, and I am unable to continue storing it. It is my wish for Capital One to provide the necessary paperwork to transfer the title so that I can donate the motorcycle to a school for educational purposes. I am facing a relocation in the next 30 days and cannot bring these motorcycle parts with me.

Approximately 8 months ago, I requested Capital One Auto Finance to promptly send a certified letter confirming no lien on a [redacted] Cadillac Deville with Vin Number: 1G6KD54Y1YU218689. The request was made because Capital One had previously transferred all financial interests in the vehicle to another entity but failed to update the records with the state of Maryland. This led to a violation of state laws. The entity that received the financial interest also allowed the statute of limitations to expire, making the information requirement crucial. The document should be sent to J. Edward Agee at [redacted] Sir Thomas Court, Chesapeake, VA [redacted]. If the requested paperwork is not provided within five days, legal action in federal court will be taken, seeking costs, damages, and attorney fees. J. Edward Agee [redacted] Sir Thomas Court Chesapeake, VA [redacted]

I recently received a notification about the overdue balance on my account totaling over $5,[redacted].00 as of 10-10-19. I am concerned about losing my car, as it is my only means of transportation, especially with no nearby family or access to public transportation. With three children to care for and a new job, I urgently need to establish a payment plan to resolve this issue. I have attempted to contact your office multiple times during regular business hours, but the automated system indicates that you are closed. I kindly request assistance in preventing the repossession of my vehicle.

I appreciate your contact regarding my situation. Starting this month, I will ensure to make regular monthly payments going forward. Unexpected circumstances led me to fall behind on my payments. Ideally, I would like to add the delinquent payments to the end of my loan term if possible. However, if that is not an option, I am committed to paying off the past due amount in full by the end of May [redacted]. Thank you for your attention and understanding in addressing this issue.

Reference Letter: [redacted] I did not apply for an auto loan from Capital One. I solely have a Capital One credit card, and I diligently maintain its balance. I am puzzled as to how this auto loan application surfaced. I request details such as the applicant's phone number or IP address. I already finance one of my seven cars, staying current without any credit issues. There are no collections on my credit report. I am a proud veteran dealing with an unresolved billing matter between a hospital and the VA. My substantial assets, including my house, three airplanes, 36-foot RV, four antique cars, and two boats, are owned free and clear. I do not require more credit cards or financing, as my lack of a credit history is due to owning all my possessions outright. I am considering seeking legal advice due to the concerning implications of your letter. Please address this matter promptly. Kindly cease targeting individuals with financial difficulties. I intend to pursue legislative action through Governor DeSantis. Sincerely, Dennis D. [redacted] Hastings Blvd. Hastings, Florida [redacted] (rephrased for clarity and conciseness)

I need assistance accessing our auto payment setup account for our [redacted] Ford Escape. We have all the necessary information except for the complete account number since we only have e-statements. The last four digits of the account are [redacted], and the last four of the social are [redacted]. You can reach me at [redacted] The username is CooperEscape17. Kindly provide the full account number or contact me on [redacted] to assist in retrieving it. Thank you.