Capital One Complaint - Beware of scam Capital One Auto Finance pulls
TEXAS -- I purchased a vehicle in August 2006 financed by Capital One. In February 2007, I was involved in a fatal accident and totaled the vehicle. I received a letter from Capital One stating I had to pay the remaining balance in full. I called the customer service right away to discuss this matter, and asked to make my payments on monthly basis. The representative refused to do so and told me to borrow money from a friend. Anyway, I was afraid that Capital One would mess up my credit, so I took money out of my credit card and paid the remaining balance off.
I recently did a credit check and found out that Capital One misreported everything. The only negative account on my credit is CAPITAL ONE. I have never been late. They reported the first delinquency in Jan. 2007. Major DELINQUENCY in Feb. 2007. The insurance company paid almost 15grand and I paid the remaining balance without being late. Yet, Capital One reported that I still owe them 726dollars & the account was charged off. How the hell in the world would I get the title if I still owed them money? I still have the pay-off letters from them.
I called the customer service just to go through bunch of hassles. They finally sent me a letter stating that nothing was wrong with my credit report, and that their record matches with the report they sent to the credit agencies. THIS IS B. S...... They basically ruined my credit... BEWARE OF THIS BANK. I would NEVER EVER do any business with this bank even if it was the last bank in the entire world.....
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