When I think I'm all caught up they tell me, "You're still 3 payments behind." I continue to reach out to see how come – to find out it started with my first payment being due 30 days after getting the car. I have them defer the payments to extend my loan then when I go to buy a new car I find 6 late payments in a row. I dispute it with credit agencies then reach out to them. They report the information is accurate. I then ask for proof. They send me the proof. I ask, "If all this was going on why am I the last to be informed when I call at least once a week to check on my account?" They say, "All that's your problem. We can't assist nor assume you didn't know. Nothing more we can do for you."
I take some of the blame but then I ask why did I get locked out of my mobile app or why did it take 10 months to find the problem. There's no response. I filed numerous complaints with the CFPB and got the same declined message. My last response from the company from Capital One was pure lies. I changed account numbers, called and informed them, also made a principal payment and told them they could also take out my original payment on the next due date which was 7 days later. Instead of them updating the new account number they attempted to get from the closed account. My question why would they do that when I called and gave them the new account number.
They also lied and told CFPB I never had a mobile app from them but if I wait 5 days it'll be reset. Long story short all my attempts to get them to work with me failed and their bottom line was, "We don't care who you contact. Our decision is final. You've reached the end of the line." Sad for me. I still have 4 more years of having to deal with them.
Source : https://www.consumeraffairs.com/finance/capital-one-auto-financing.html344