Capital One Auto Finance Customer Service Issues

I am looking to refinance my [redacted] Kia Sorento. Currently, there is a loan of $31,[redacted] on the car, but its value is only $21,[redacted]. This discrepancy arose from a leasing arrangement followed by the car's purchase. I suspect the dealership was not completely transparent in this process. I am interested in exploring if Capital One may assist me with this refinancing dilemma. I would appreciate it if a Capital One representative could contact me at [redacted]. Thank you, Lois G.

I am an employee at Long Engineering, Inc. in Atlanta, GA. Recently, our company received a letter from Capital One Auto Finance mentioning that they are unable to assist us due to "no risk to our credit score." However, being a corporation, we have not submitted any credit applications. This has led us to question if someone is attempting to obtain credit through a pre-qualified offer. The reference number provided on the letter is [redacted]. We have been unable to locate a contact number to address this matter directly, so we are reaching out for assistance here. Thank you.

My spouse and I recently bought a vehicle in Maryland, and the title shows a lien with your company. The sellers informed us they settled the lien and provided proof, but Virginia DMV requires documentation from Capital One Auto Finance to register the car. However, we're having trouble reaching the sellers for the necessary paperwork. Can I supply you with the car's details, VIN, previous owners' names under the lien, and address, so you can fax the lien satisfaction proof to Virginia DMV?

Hello, I’ve tried to contact with no success due to high call volume. I work as a server and have been temporarily laid off due to COVID-19. My current unemployment payment of $[redacted] a week is insufficient for my payments, especially as it won't arrive until April 1st. I realize my payments have been late and unreliable, and this month I won't be able to make it without my recent week of work. I've sought grants and other income sources to manage my over $1,[redacted] in upcoming payments, but it’s challenging without income. I’m requesting an extension for my March [redacted] payment and to postpone April [redacted]'s to the end of my loan tenure until my situation improves. Thank you for understanding and for your support during this uncertain time. - J.S.

Due to the unfortunate circumstances of CoVid-19, my husband and I have lost our jobs. As a substitute teacher, I am affected by school closures, and my husband's catering business is also mandatory closed. I have managed to arrange payment extensions with my other creditors. However, your website does not offer options for this matter despite mentioning it in the automated voice system, which is frustrating. I am concerned because my payment is due on the 13th, and I have an automatic payment set up. I'm hesitant to cancel it to avoid impacting my credit score. I would appreciate a prompt response and contact regarding this issue. Thank you. Sincerely, Monica M. Account# [redacted] SS# [redacted] Phone# [redacted]

I discovered a number that connected me to a real person at Capital One! You can reach them at [redacted]. Surprisingly, I stumbled upon this number hidden on the "Loan Extension" section of Capital One's website, but it vanished quickly. Fortunately, I took a screenshot and tried calling - it worked! When I spoke to the representative, I learned they have 57 representatives and 98 calls waiting, which explains the wait time. It's a bit unfortunate that I had to dig around for this information, but I hope it helps everyone else. Stay safe, everyone!

Dear Team, I am writing to express my frustration with the two-hour phone wait only to be transferred to accounting and denied an extension. Subsequent calls dropped three times as there were no representatives available to assist me. I recently requested a payment extension to the end of my loan due in March but was advised to contact Capital One for ongoing financial hardship. Account services are required to place the additional payment at the end of the loan. I have been impacted by the coronavirus pandemic as a single parent and desperately need another extension or alternative solutions. Last 4 digits of my account number: [redacted] Monthly payment: $[redacted].28 Contact number: [redacted] Regards, N. Amato

My partner and I recently bought a new vehicle using Capital One Auto Financing this month. I am looking to discuss potential incentives available for new buyers during the Covid-19 pandemic. Additionally, I would like to explore the possibility of extending or deferring our first payment. When we asked at the dealership about the incentives promised to new buyers, we were informed that these were mainly for "well qualified buyers." However, when we inquired about the incentive of "No payment for the first 3 months or [redacted] days," we were advised to contact our finance company directly given the special circumstances due to the Covid-19 situation.

Roderick L. [redacted] Polanski Dr Wake Forest, NC [redacted] May 7, [redacted] To Whom It May Concern, I am writing regarding the late payments reported on my Capital One Auto Finance account in my recent credit report. After speaking with a representative named Jeanne (ID: JKX) on May 6, [redacted], it has come to my attention that my credit report shows late payments from January [redacted] to February [redacted], while the actual late payments were in January and March [redacted] only. I have been consistent with on-time payments since February [redacted]. I am aware of my financial responsibilities, and I have made significant improvements in managing my money since falling behind. I hope you can consider making a goodwill adjustment to remove the late payments from January [redacted] to February [redacted] as I plan to apply for a mortgage or auto loan. Thank you for your understanding and for reviewing my request. Best, Roderick L. Mobile: [redacted] Email: [redacted]

Subject: Urgent Action Required Regarding Late Payment Issue I am writing to address a pressing concern regarding my recent experience with Capital One. Despite previously being granted payment relief due to the Covid-19 pandemic, I was surprised to find a late payment reported on my account just a month later. This has significantly impacted my credit and financial standing. I have attempted to resolve this matter by contacting Capital One via phone and email, but unfortunately, my concerns have not been addressed. As a last resort, I am considering escalating this issue with the Better Business Bureau. I believe that as a responsible consumer, it is important to bring attention to this discrepancy publicly. I sincerely hope that we can resolve this issue promptly and am willing to wait for your response before taking further action. My ultimate goal is to have the late payment removed from my credit reports, in line with the payment relief I was offered by other creditors. Thank you for your attention to this matter. Sincerely, Q. Jerry

I finalized my loan payment on May 26, [redacted]. Requested a copy of the contract on June 17, and was informed it would only be sent by mail. As of August 5, [redacted], I have not received it despite requesting it again over the phone. I am urgently in need of it as I am in the process of buying my first home, with this document being the only thing holding up the process. Could you please email me a copy? My name is Angela F. and you can contact me anytime at [redacted]. Having the original contract is crucial for the bank to review my payment details, due dates, and loan amount. I appreciate your swift assistance in resolving this matter so I can proceed without further delays. Thank you for your help, your prompt response is greatly appreciated.

I am currently facing difficulties with keeping my car due to financial constraints. Despite being willing to negotiate payment arrangements, the representatives at Capital One Auto Finance have been unhelpful and uncooperative. The car is registered under my mother's name, but I am the one making payments. Although I was informed that arrangements could be made for me to retain the vehicle by speaking with a Capital One representative, they are now insisting on immediate payment before engaging in any discussion. I am struggling to meet the existing high payments, especially with reduced income. I am hopeful that Capital One will reconsider and discuss payment options either with me or my mother to avoid repossession. Should they remain unwilling to cooperate, I may have no choice but to surrender the car, resulting in a loss for Capital One. Your assistance in resolving this matter is greatly appreciated. Thank you.

A few years ago, I completed my auto loan with Capital One; however, they are now requesting late fees from me. During that time, I had lost my job and was struggling to support my two children and keep up with payments for the truck. Though several years have passed, I am slowly getting back on my feet despite current challenges. I hope to reach an agreement to pay a portion of the fees to clear the debt and obtain the truck's title. Unfortunately, I do not have the account number as it has been some time. Name: L. L. Address: [redacted] Valiant Way, Union City, CA [redacted] Phone: [redacted] Last Social: xxx9727 Vehicle: [redacted] Dodge Dakota I am unsure what other details would be helpful without the account number.

Hello, my name is Blake Drinkard from Thompson Automotive Group. We recently bought a vehicle from a customer named David Emerson. Unfortunately, the paperwork we received for his payoff turned out to be an account settlement amount, not the actual payoff. I have all the necessary paperwork signed and the title in hand. Due to our system being down and it being after hours, I was unable to obtain the correct payoff amount from the lender. I'm wondering if I can still send in the account settlement amount to pay off this vehicle. The vehicle details are as follows: Account number: [redacted], VIN: 1ZVBP8CF0D[redacted], [redacted] Ford Mustang.

I am requesting an extension for my [redacted] Rogue Sport account for October [redacted] due to not having returned to work yet because of the pandemic. I can make my Nissan Frontier payment but need an extension only for my Rogue account. I'm hoping to go back to work in a couple of weeks and then make payments on both vehicles by November [redacted]. Additionally, I have faced challenges with Arizona Unemployment payments and have not received them for about 5 months. I hope for your understanding during these tough times of the pandemic and the associated issues, and greatly appreciate if the extension is approved. If you have any questions, please contact me via email. Thank you. -Helen K.

My name is Jeremiah Stone. On 10/22/20, Bighorn Toyota in Glenwood Springs, Colorado, submitted an application to Capital One on my behalf. I provided them with a $[redacted] cashier's check as a down payment, and my first payment of $[redacted] is due on December 12, [redacted]. Today, I received a letter stating that the application was denied due to my credit history issues for auto finance. I do not have an account with Capital One. I plan to return to Bighorn to discuss this matter further. Does this mean I have to return the car because of my credit history? I really like this car and do not want to walk to and from work in the cold and snow here in Colorado. I am committed to making payments on time and improving my credit score.

I require guidance on the correct department or steps to proceed. I am Anthony D. from Metro Nissan Dallas. A customer of yours, Judith R., brought in a vehicle ([redacted] Rogue, vin# KNMAT2MT4GP619858) for service and left it behind. Despite multiple efforts, we couldn't reach her. Her family informed us she can no longer drive due to a medical condition and asked us to arrange for the vehicle's retrieval. Please instruct me on the appropriate actions to be taken in this situation.

I represent a towing company in Wisconsin that has a vehicle with a lien that belongs to Angela K. of Wausaukee, WI. The car is a [redacted] Dodge Journey with VIN# 3C4PDCBGXGT224548. Angela abandoned the vehicle after a rollover accident on 11/18/20 in Wausaukee, WI, Marinette County. The Marinette County Sheriff's Department requested us to tow it, and it is now in our storage yard. Angela mentioned there was a loan on the vehicle and no insurance. We are seeking guidance on the next steps to take. Storage charges are $35.00 per day starting from 11/18/20. Please advise us on how to proceed. Thank you, Hogans Towing.

I would like to discuss the removal of a late payment that occurred last October. Tragically, I lost my father in the first week of the month, followed by losing my sister at the end of the same month. I acknowledge that making payments on time is my responsibility. Since then, I have consistently sent my payments without any issues. I am seeking to have the late payment removed from my credit report as I am planning to buy a house for my family, and improving my credit score would greatly assist me in this endeavor.

Please contact me at [redacted] or call me at [redacted] regarding an auto loan I had a couple of years ago. The loan was paid off when I sold my Ford Taurus [redacted]. The person who bought the car was informed there was a lien on it, which is not the case. I reside at [redacted] Mitchell Ave, Hag, MD [redacted]. I am requesting a letter confirming that the loan was paid off and there is no lien on the vehicle. This situation has become urgent as my husband recently passed away, and I require your assistance. Kindly send me the requested letter.