Capital One Complaint - Phone calls every month
PLANO, TEXAS -- I have my car loan with Capital One Auto Finance for 2 yrs, biggest mistake! Every month I get phone calls asking me for a payment", how would you like to make that payment"? I know it by heart. My payment is due on the 18th of each month. I send it out way before due date it's just the way my pay day falls so I'm able to do that. If I send it in to far in advance they call me for a owed late payment. I'm not sure who does the book keeping but the company has inadequate customer service not to mention poor English speaking people to handle the phones. I ask one girl to help me with a mistake about my car payment she told me my card payment was not due. (I have a credit card with them also,no problems with that) After being transfered to 3 other customer service" specialist" (right) I got no where. I received an e mail offering to pay my car payment on line (which I like) they sat on the payment for 10 days or more. took them more than 10 days to tell me they were missing a number to my checking account so they couldn't debit my account. Now they are telling me I am in collection.
My payments are NEVER late. It look Capital one over a yr to finally fix my profile so I did not show that I owed a double payment. One lady called me at work & told me if I didn't make the payments they were going to repo the car and that I have void & null my contract with them. I never owed them a double payment & after they said they found the mistake I ask them to send me a letter of correction that they made the mistake,which I got. I would never gotten this letter if it wasn't their mistake.Well this month again 2/8/08 phone calls again.It never stops. So, I'm such a risk Capital One sent me a letter saying I can refinance my car, just call. Are these people nuts? I don't understand how they can do the things they do & get away with it. I am so fed up with them I would never have another loan with them again.
Capital One is to large of a company not to know whats going on.I also notice after watching my checking statement they sit on payments & do not process them right away. What ever happen to good customer service? I am very disappointed in Capital One.
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